Episode 2230 – December 14th, 2022

????There are two ways that can help you solve your debt, a debt consolidation program or a consumer proposal. Which one would work best for you?

?????We have Stacy Yanchuk Olesky, CEO of Credit Counselling Canada, join us to help explain the difference between the two.

????For more episodes, head over to https://moolala.ca/.

In Episode 3 of Financial Firsts, host Kopano Shimange is joined by Dr. Nosipho Mhlanga and an expert from Nedbank to explore effective ways to manage student loans and consolidate debt.?

Whether you’re struggling with repayments or seeking a way to simplify your debt, this episode offers expert insights and actionable advice to help you get back on track financially.?

Don’t miss out! Watch the episode now and learn how to handle your student loans with confidence.?

Join Nedbank Private Clients today: https://private-clients.nedbank.co.za/accounts/private-bundle-young.html?

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Debt consolidation can be a good way to reduce the span of your debt and possibly bring down monthly payments, but is it always a good choice? Watch full video @justinmirche

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In Episode 5, join financial experts Ester Ochse, Denise Hartley, Elmarie Dreyer, and Maya Fisher-French as they dive into the crucial topic of Debt Consolidation and Debt Review.

Gain valuable insights and expert advice on managing your finances, understanding the intricacies of debt review, and how you can use debt consolidation as a tool to empower you to take control of your financial future. Don’t miss this informative discussion to secure a brighter, debt-free tomorrow.

Are you striving to enhance your credit score and take control of your debt? In this comprehensive guide, we delve into proven strategies to elevate your creditworthiness and achieve financial stability in 2025.?

In This Video, You’ll Learn:

The key factors influencing your credit score, including payment history and credit utilisation.

Effective methods to reduce debt and avoid common pitfalls.

Tips for maintaining a healthy credit mix and length of credit history.

How to monitor your credit report and dispute inaccuracies.?
Better money habits

Whether you’re aiming to qualify for a mortgage, secure a loan, or simply gain financial peace of mind, these insights will set you on the right path.?

Resources Mentioned:

Annual Credit Report – Access your free credit reports.

Credit Counselling Services – Get professional financial advice.?
Contact Mr Edem Amewowor ( Financial expert, qualified) – The website – www.aegisfp.com
His Amazon store for his book:
https://www.amazon.co.uk/YOU-WIN-Inspiration-each-week/dp/B085KG73DL/ref=sr_1_fkmr0_2?crid=LMQCDWXMOA2D&dib=eyJ2IjoiMSJ9.PKtY_zstIoM3A9M1ORiy5tRDECIuAteYD2MQWccoBtjGjHj071QN20LucGBJIEps.MTxzEAFXgKH2ZvKjy5b8kmcRZFh7GytH4ijV2xDfGC0&dib_tag=se&keywords=edema+amewowor&qid=1742289532&s=books&sprefix=edem+amewowor%2Cstripbooks%2C63&sr=1-2-fkmr0

Don’t Forget to: ???? Like this video if you found it helpful. ???? Comment below with your questions or tips. ???? Subscribe for more financial advice and updates.?

How to Increase Your Credit Score Fast
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#CreditScore #DebtManagement #FinancialFreedom #ImproveCredit #MoneyTips #PersonalFinance #CreditRepair #Budgeting #FinancialHealth #2025Finance?
00:00 Introduction
02:44 factors that determine your credit score
07:33 common misconception on credit score
13:04 strategies to support build your credit
21:56 Best ways of paying off debts
24:17 common mistakes
27:43 Best ways to get out of debt
34:17 advice to anyone struggling with credit card debt

Is debt relief ACTUALLY worth it? 6 Pros of debt relief

#getoutofdebt #debtfreejourney #debtfree

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All #50swomen to call for mediation NOW

Sign & share the updated petition with all your networks Please:

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Listen to Dr Jocelynne Scutt’s Radio Interview on SCR 21/11/24:

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Ever wondered what debt collectors can’t do when trying to collect money from you? This video will help you understand your rights and protect yourself from unfair practices by debt collectors. Learn about debt collection laws, debt validation, and how to stop debt collector harassment. You’ll find out what debt collectors are not allowed to do under the Fair Debt Collection Practices Act and other UK laws.

In this video, we discuss important topics such as debt collector rights and what debt collectors can’t do in the UK. We explain how to deal with debt collectors, including requesting debt validation and reporting illegal debt collection practices. With this knowledge, you can stop debt collector calls and threats effectively.

We also cover debt collection rules and the process of disputing a debt. Find out how to protect yourself from debt collector violations and harassment. Learn the steps to take if a debt collector is using illegal practices to collect a debt. This video provides valuable advice for anyone dealing with debt collection in the UK.

Understanding debt collection practices is crucial for managing your financial health. This video gives you a clear picture of what debt collectors are restricted from doing. Knowing these restrictions can help you handle debt collectors confidently and report any unfair practices.

We also share real-life examples of how people have successfully dealt with debt collectors in the UK. These case studies will give you practical tips and strategies for handling debt collectors. Learn how to keep records, dispute debts, and report violations.

If you are struggling with debt collection issues, this video is for you. It is packed with information on debt collector laws, consumer rights, and how to protect yourself from harassment. Watch the video to gain a better understanding of your rights and take control of your financial situation.

Steps to Safeguard Yourself from Debt Collectors
Keep Detailed Records: Document all communications with debt collectors. Note the time, date, and nature of each contact. This will help you if you need to dispute any claims.

Verify the Debt: Request a written validation notice to confirm the debt is legitimate. The notice should include the debt amount, creditor’s name, and how to dispute it.

Dispute Incorrect Debts: If you believe the debt is incorrect, send a written dispute within 30 days. The debt collector must stop all collection activities until they provide verification.

Consider Repayment Options: Explore options such as setting up a payment plan. Seek help from a credit counselling service if needed. Ensure any agreement is in writing.

Request Cease Communication: If you feel overwhelmed, you can request that the debt collector stop contacting you. Send a written request for them to cease communication.

Report Violations: If a debt collector breaks the rules, file a complaint with the Financial Conduct Authority. Provide any detailed records you have kept.

Know Your Rights: Familiarise yourself with the Fair Debt Collection Practices Act and other relevant laws. This knowledge will empower you to handle debt collectors confidently.

For more information, visit the UK Care Guide at www.ukcareguide.co.uk

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The National Treasury is considering introducing reforms to stop the abuse of garnishee orders.
Many consumers have been issued garnishee orders by clerks of the court instead of by a magistrate…
A move regarded as fraudulent.
The National Debt Mediation Association, says there are as many as 3-million active garnishee orders in South Africa at present