This small claims video series was made possible thanks to a grant from the State Bar of Nevada’s Lawyer Referral and Information Service

There isn’t one way to just obtain a debt consolidation loan or to pay off all of these debts. In fact, there are numerous amounts of ways you can get them. What we’re going to talk about here are the most common ways United States citizens consolidate debt.

Read our full article:
https://infoforinvestors.com/methods-to-consolidate-debt

If you are feeling overwhelmed with debt, if you do not know where your money is going, or if your money is not covering all of your bills. It may be time to meet with a credit counsellor. We will help you examine your financial situation, discuss possible debt repayment options and help you create a plan of action that best suits your needs. We offer budgeting and money management tools, advocacy with creditors, referrals to other supports and consumer education. A credit counsellor will help you to set your financial goals, track your spending and identify your spending habits that may need to change so you are paying bills on time, saving and living within your means.

http://www.applyfordebtcounselling.co.za/ Get Debt Counselling Help – Debt Counselling will help you get rid of your debt, avoid repossession and pay one reduced installment to creditors.

The law forbidding creditors from collecting on prescribed debts which falls under the National Credit Act 34 of 2005 (NCA) is well known.

The aim of this law is to safeguard consumers against unfair and exploitative practices by creditors and has been in effect for a number of years.

Despite the legal requirements and the guaranteed protection they offer consumers, Reana Steyn, the Ombudsman for Banking Services (OBS) warned that the OBS is still receiving, investigating and resolving complaints from bank customer’s relating to prescribed debts.

In some cases, banks have been found guilty of engaging in this illegal practice. This may sound all complicated, but the Ombudsman for Banking Services Reana Steyn is here to simplify it for all of us.

For more news, visit sabcnews.com and also #SABCNews on all Social Media platforms.

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Dispute Like a Pro is Metro 2® DIY Credit Repair. Our AI technology will analyze your credit reports and generate 6 rounds of fully-customized dispute letters so you can dispute like a pro.
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Debt collector calls can be stressful and threatening. However, debt collectors frequently break the law in their attempts to extort money from victims. You’ll be able to identify when a debt collector is crossing the line into illegal territory if you know your rights, and you won’t be frightened by illegal techniques. You could even be able to take advantage of the debt collector’s legal infractions.

Learning some fundamental dos and don’ts for dealing with debt collector calls might also help you relax. More significantly, understanding what to say and do when a debt collector calls might help you avoid making a mistake that puts you in legal or financial danger.

You must first determine whether or not you wish to speak with the collector. If that’s the case, keep track of what you and the collector talk about. If you believe the debt is not yours and you can’t afford to pay it, you should tell the collector. If you opt not to speak with the collector, send the collector a written request to stop communicating with you.

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Here’s what you shouldn’t do, on the other hand. Give no personal financial information to a collector, make no “good faith” payments, make pledges to pay, or accept the debt is valid.

You don’t want to make it easier for the collector to recover your money or do anything that could bring the statute of limitations back into effect. If a debt collector approaches you to collect a past-due obligation, the most important thing you can do is not say or do anything that implies you owe the debt. You may mistakenly restart the restrictions period by admitting the obligation or even making a little payment. Finally, even if debt collectors are frequently nasty and demanding, keep your cool.

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About Limitless Culture and Mike Meza:
Hi, I’m Mike. I established Limitless Culture with a singular objective, to improve creditworthiness and provide credit education for regular, everyday people with fun and engaging content, DIY products, and (for some because not everyone needs it) monthly credit repair services for people with specialty disputing needs. I want to empower working-class people and their families to take control of their credit files confidently.

#debt #collections #credithacks #credit #creditrepair #calls #howto

Free Debt Options Calculator: https://tryascend.com/qualify/calculator/quick/ytdcproscons24
Top Debt Consolidation Loans: https://tryascend.com/consolidate
Best Debt Consolidation Programs: https://tryascend.com/debt-relief/company/3-top-debt-relief-companies

When does it make sense to consolidate your debt? And what does debt consolidation even mean nowadays? Let’s find out.

Here’s what we cover in today’s video:
0:00 Debt Consolidation Loans vs Debt Consolidation Programs
6:20 Debt Consolidation Pros and Cons
9:45 Is Debt Consolidation Worth It?

Music I use: https://www.bensound.com
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Do you have LESS than 5 open accounts? Let’s Fix that!!
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Video Title: Remove Late Payments Fast! How to Dispute & Avoid Debt Consolidation Traps

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Thanks for watching, and here’s to taking charge of your credit health by effectively handling late payments! ????????

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In this video, I’ll show you exactly how to pay off credit card debt so you can get out of debt, save money, and increase your credit score. We’ll cover everything from lowering your credit cards interest rates and balance transfers, to the best 0% interest credit cards, plus debt snowball and avalanche methods, debt consolidation, and budgeting. By the end, you’ll know exactly how to pay off your credit card debt fast.

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???? Other videos you may like:
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https://youtu.be/0jAgVX1P0TQ?si=LtPhNLu8bdvEbdc3
https://youtu.be/D4fT4mUrCyI?si=wrFhShjbgzAbDZuQ
https://youtu.be/WkS8lu2QGms?si=WRNap4u8V5gl0UJ8
https://youtu.be/Q5fDZk0yuVE?si=2v_9vqgZ35BYt_Tg

DISCLAIMER: I am not a lawyer,CPA, lender, realtor or a financial advisor. The content in my videos should not be taken as legal, tax, financial advice, etc, and may or may not be outdated or inaccurate as the time this video was posted. It is your responsibility to verify all information from the video on your own. This is a YouTube video for Entertainment purposes ONLY. If any company is mentioned is because Dayanaplays has an interest in them. Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a commission or referral bonus. PLEASE DO NOT make buying or selling decisions based on Dayanaplays videos. If you need advice, please contact a qualified professional as I am not one

Today I’m going through my student loan debt pay off strategy and kicking off my debt free journey. I’ll be looking at the exact amounts I owe in student loans, why I want to pay them off now, and how I am using my annual budget to determine how much I can realistically pay each month while still saving for my financial goals and unexpected expenses. Finally, we end with making my first payment.

Thank you for watching. If you enjoyed this video and would like to see more content like this, consider liking the video and subscribing to follow my financial freedom journey.

Resources / Links Mentioned
Try YNAB 34 Days Free! https://ynab.com/referral/?ref=NGjR9aw384rLUfFn
If you would like, you can support my channel by buying me a Coffee. Any support will go towards paying off my student loans buymeacoffee.com/averysmoneymoves
Follow me on instagram: https://www.instagram.com/averys.money.moves
Email Inquiries: averysmoneymoves@gmail.com

Videos / Channels Mentioned:
My New Budget for 2025: https://youtu.be/z8ESackGTU4?si=C1ky6oM4bcW8DLIQ
https://www.youtube.com/@laurensmoneymindset Budget Spreadsheet: https://www.etsy.com/listing/1031721868/budget-spreadsheet?click_key=c2c52960388acf4c0598098de1c63e60adbda5f2%3A1031721868&click_sum=140bfb16&ref=shop_home_active_7

Chapters:
Intro: 0:00
How much I owe + Why pay off my loans now?: 1:04
Using my annual budget to determine the amount I can pay each month: 8:11
Making a payment!!: 23:11

A little about me:
My name is Avery, I’m 26 years old and I live in Ohio. I make a gross salary of $60k a year and have $18.5k in student loan debt. My channel is all about my financial freedom journey, going from a low income childhood to a (hopefully) financially prosperous adulthood.

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