Most Viewed Videos

Credit Counselors Career Video

Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explaining loan requirements or restrictions. May help develop debt management plans, advise on credit issues, or provide budget, mortgage, and bankruptcy counseling.

13-2071.00 – Credit Counselors

13-2072.00 – Loan Officers
Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, and loan underwriters.
13-2071.01

Learn more about this and other career clusters, industries, occupations, jobs, careers paths, education, training, salaries, trends, outlooks, and related career exploration resources and tools on CareerOneStop’s website.

** https://www.CareerOneStop.org
** https://www.CareerOneStop.org/Videos
** https://www.CareerOneStop.org/OccupationProfile
** https://www.CareerOneStop.org/Salary
** https://www.CareerOneStop.org/FindTraining
** https://www.CareerOneStop.org/JobSearch

551 views no comments

How Debt Counselling Transformed This Married Couple

Discover the journey of a married couple who triumphed over debt with the assistance of DebtBusters. In this video, they share their personal account of how DebtBusters’ debt counselling services became the turning point in their relationship.

#DebtBusters #debtcounselling #marriagesuccess #financialtransformation #debtmanagement #loveandfinance #debt-freejourney #relationshipcounselling #financialtriumph #overcomingdebt #couplegoals #counsellingimpact #debtrelief #financialadvice #buildingastrongermarriage #DebtBustersservices #marriedincommunityofproperty #marriedCOP

551 views no comments

The *only* video you need to watch about debt review removal

Depending on where you on in the debt review removal process, a different answer about debt review removal will apply to you.

The best way to be removed? Settle all your debts and don’t fall for scams online.

Have you paid all your debt, but still have the debt review flag? We can get you cleared. Start your online application now: https://bit.ly/3Y497US

550 views no comments

What is Debt Consolidation

What is debt consolidation, how to consolidate your debt, and should you consolidate your debt. There are two primary ways to consolidate debt, both of which concentrate your debt payments into one monthly bill.

Get a 0% interest, balance-transfer credit card: Transfer all your debts onto this card and pay the balance in full during the promotional period. You will likely need good or excellent credit (690 or higher) to qualify.

Get a fixed-rate debt consolidation loan: Use the money from the loan to pay off your debt, then pay back the loan in installments over a set term. You can qualify for a loan if you have bad or fair credit (689 or below), but borrowers with higher scores will likely qualify for the lowest rates.

Success with a consolidation strategy requires the following:
1.Your total debt excluding mortgage doesn’t exceed 40% of your gross income.
2.Your credit is good enough to qualify for a 0% credit card or low-interest debt consolidation loan.
3.Your cash flow consistently covers payments toward your debt.
4.You have a plan to prevent running up debt again.

Consolidation isn’t a silver bullet for debt problems. It doesn’t address excessive spending habits that create debt in the first place. It’s also not the solution if you’re overwhelmed by debt and have no hope of paying it off even with reduced payments.

If your debt load is small — you can pay it off within six months to a year at your current pace — and you’d save only a negligible amount by consolidating, don’t bother.

Try a do-it-yourself debt payoff method instead, such as the debt snowball or debt avalanche.

If the total of your debts is more than half your income you’re better off seeking debt relief than treading water

Hey ya’ll ! I really love finances and talking about ways to make it easier to make more, save more, give more, and of course spend more. So most of the stuff we will be diving into will be related to finances with the odd topic here and there, plus maybe a special appearance from Rocko, my big pittie baby! I want to start off with easier concepts and the basics of money and work my way into the more difficult and nuance topics. You may be asking, why would I ever listen to you about anything? That’s a fair point, and you don’t have to. However, I would love to take this journey with you into the financial world and together we can learn and grow, not only our knowledge but our bank accounts too! I am not a Financial Advisor, any investment commentary are my opinions only.

550 views no comments

When You Learn NOTHING After Filing Bankruptcy… $92,000 in Debt

When you learn NOTHING after filing bankruptcy, this is how you end up $92,000 in debt all over again. In this video, we break down one of the wildest post-bankruptcy debt stories on the internet: $92,589 in total debt just six years after bankruptcy, nearly $3,976 in monthly minimum payments, and roughly $1,800 every single month going straight to interest.

From new car loans to high-interest credit cards, Klarna, Affirm and Bread furniture financing, Upstart, Upgrade, and Avant personal loans, and lifestyle spending that never actually stopped, this is a real-world example of how debt cycles repeat when the root problem isn’t fixed. Bankruptcy wiped the slate clean, but the spending behavior stayed exactly the same.

We walk through the real math behind credit card APRs, why minimum payments keep people trapped for years, how debt consolidation loans often make the situation worse, and why “building credit” means nothing if spending is out of control. This video also breaks down debt-to-income reality, convenience spending, instant gratification, and how small financial decisions compound into overwhelming debt over time.

This is personal finance commentary meant to help you avoid the same mistakes, because the future version of you always pays the price. If you’re trying to pay off debt, rebuild after bankruptcy, stop overspending, or finally escape the minimum payment trap, this breakdown will hit hard — but it’s necessary.

????????????????????????
Comment below: Do you think bankruptcy actually helps people, or does it just delay the consequences when spending habits don’t change?

Chapters:
00:00 Filed bankruptcy… back in debt again
00:27 Two car loans total $41,216
00:56 Affirm/Bread + Upstart/Upgrade/Avant loans
01:21 Comments roast: “You learned nothing”
02:24 $3,900 minimum payments… $1,800 interest
03:01 Minimum payments vs principal explained
03:43 She considered filing bankruptcy AGAIN
04:18 “Used credit to buy a house” reality check
06:14 Breakdown of monthly minimum payments
07:20 The true cost of staying on minimums
07:40 Root cause: instant gratification spending
08:14 Eating out is the real problem
09:36 Bankruptcy should require rehab/classes
11:03 Viral backlash + debt snowball plan
11:40 Tax refund + side hustles to fix it
12:51 Future-you working overtime for past spending
14:31 “Affirm will handle it” is NOT a budget
16:19 Income isn’t the problem—expenses are
18:19 Debt snowball: dozens of small balances
19:52 Waffle House pay breakdown
21:04 Bills + rent + phone costs
23:44 79 accounts after bankruptcy
24:25 “Bankruptcy was a get out of jail free card”
26:10 Spending first, bills later = debt cycle
27:19 Loans to pay cards ? run cards up again
28:23 New cars after bankruptcy explained
31:28 Grocery delivery while 90K in debt
34:29 28–35% credit card APR after bankruptcy
35:26 “Instacart costs too much” + gift card plan
36:01 Final takeaways + reality check

just some cool words:)
Bankruptcy, bankruptcy chapter 7, budgeting, debt, free journey, credit card debt, bankruptcy and debt again, filed bankruptcy and still in debt, debt after bankruptcy, 92589 debt story, minimum payment trap, credit card interest rates, 28 percent APR credit card, 35 percent APR credit card, debt snowball method, affirm debt, upstart loan debt, upgrade loan debt, avant loan debt, car loan debt, overspending habits, eating out budget, personal finance commentary, debt payoff journey, rebuild credit after bankruptcy, how to get out of debt, social symone, finance, tiktok, money, react, reaction debt free journey, car loan, financial education, money mindset, credit card debt #debt #money #finance

550 views 12 comments