This is the first of four short videos that explain key features of the Farm Debt Mediation Act 1994 (NSW). In NSW a lender has to offer confidential mediation before taking possession or other enforcement action for a farm mortgage. Farmers may ask for mediation at any time. This video explains the main steps in a mediation process, the benefits of mediating, and that farmers can seek help to prepare for mediation from Rural Financial Counsellors, accountants or lawyers. More information is available from the NSW Rural Assistance Authority’s website (https://www.raa.nsw.gov.au/) or a NSW Rural Financial Counsellor.

Hey Guys!

In today’s video, I am setting up my 2019 #DebtSnowball in my 2019 Budget Happy Planner. I’m excited that we have paid off over $25,000 in credit card debt but since then I’ve gotten pretty relaxed. it’s time to get the ball rolling again!

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BUDGET WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAeI34RlDtQRjZ0WM7anKBTx

MONEY PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAcovAcTO8YqYAzudyPFl4Dq

PLAN WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAehmpOLOU4Gtj_T3W2X-g1P

ORGANIZE WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAcujP30e_JfrpjECuWUIpXx

FAITH PLAN WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAcjK8IAQ_4UFt7vt3SZzvQF

READING PLAN WITH ME PLAYLIST:
https://www.youtube.com/playlist?list=PLOllMwG3zaAf4_Gxd1ixah-TrzSZCF_Uj

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Many would say the heart of any business , is the business income , but truly the heart of every business is the team leading together as unity to the purpose. We are a debt counselling firm and our purpose is to serve as a team to help the over-indebted, to help unlock financial freedoms where there is financial strain. We have asked each and every employee/ member of CS Debt Counselling the reason they like working for such a small business. Thank you to every team member working at CS. It is a privilege to work with you. This is a dream team to be proud of. This is CS Debt Counselling. www.csdebtcounselling.co.za

Consumer credit counselling is a service that can help you get out of debt. The process starts with a free credit counselling session that helps you identify the best debt solution for your needs, credit, and budget. If you need help getting out of debt, the counsellor can help you enroll in a debt management plan.

To learn more about the process visit: https://www.debt.ca/credit-counselling/how-does-consumer-credit-counselling-work

How to exit debt review

A consumer can apply for debt review if they are unable to meet their debt commitments. However, in some cases, a consumer’s finances may improve and they wish to exit. Whether or not you are able to exit will be determined by where you are in the process.

When you apply for debt review, a debt counsellor issues form 17.1(b) which protects you from further legal action by your creditors. Creditors must provide a certificate of balance and the debt counsellor then assesses whether you are overindebted.

Once this assessment is completed, the debt counsellor issues form 17.2 (b). This includes a repayment plan which could include interest rate concessions from your creditors. Although this agreement still requires court approval, the consumer can start the new repayment schedule. All credit bureaus are notified, and you are effectively under debt review.

The next step is to apply to the Magistrates Court and the magistrate declares the consumer overindebted.

If you have applied for debt review and the debt counsellor has issued form 17.1(b), you can still cancel the process. Be aware that creditors can immediately act against you, if you are in arrears with repayments, as you are no longer protected.

Once form 17.2(b) has been issued, you are under debt review, but a magistrate has not yet issued a court order. If your financial circumstances have changed, then you can provide this information in the court application. If the magistrate agrees that you are no longer over-indebted, this terminates the debt review.

Once a magistrate has issued a court order placing you under debt review, you cannot exit until all your debts, apart from your mortgage, are settled as per the court order. This means even if your financial circumstances change you will not be able to exit debt review.

The only way to exit in this case is to accelerate all your debt repayments and settle as quickly as possible. If you received an interest-rate concession in the debt review agreement as you would settle your debts sooner than if you were not under debt review.

In the season one finale of The Minimalists’ video-essay series, LET’S TALK ABOUT LESS, Joshua talks about how impulse and instant gratification lead to debt that ruins our lives.

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#LetsTalkAboutLess #TheMinimalists

What happens once you have paid up your debt while being under debt review?

In this video “A Persons Value Is Above The Debts Value” Abraham Esther Hicks has a beautiful conversation with a wonderful man about debts and losing it all (from a material standpoint) as well as the economic and financial system.

Tip: You can use this video as a meditation too. I love sitting or lying in a comfortable position and listening to the conversation and knowledge of Abraham Esther Hicks

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??? Support Me On My Journey ???

? Buy me a coffee on buymeacoffee.com (pss.. I like coconuts more)
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? Become a member of the beautiful omgDreams family on patreon.com
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? My philosophy
??http://www.omgdreams.com/giving_first_philosophy

??? Thank you very much ???

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Photo by rawpixel.com from Pexels

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All Abraham-Hicks audio materials are copyrighted by Esther Hicks and we are sharing these following the USE OF COPYRIGHTED MATERIAL GUIDELINES:
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For additional information please visit the official website:
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??? Powerful Habits ???

? Start Meditating ?
Meditation is “the” wonderful act to silence your mind and to connect to source.
A very practical tip to start meditation is to breath in deeply and to breath out deeply. Repeat this breathing several times and you will feel a different state of your mind after a few seconds. Furthermore you can support your meditation with nature sounds and binaural beats.

? Build A Reading Habit
Reading books is such a beautiful habit. Sometimes you might not find the time to dive into the written adventures of an author and thats totally fine. A powerful rule of thumb is to read 20 pages a day (that are 600 pages a month or around 2-3 books a month and around 24-36 books a year). This reading habit will change your life for the better and may change your direction totally 🙂 So give it a try and start reading now.

? Stay Positive
Positive vibes are so important and a very noteworthy quote is the following one: “Your problem is not the problem, your reaction is the problem.”
Stay positive and always react in a empowering and positive way, this will make all the difference 🙂

?? Follow Your Dreams
Do what your heart wants to do and dont do what other people might think is the right path to follow. Maybe it wont be easy but it will be totally worth it and you will become the most amazing person you can become.

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??? omgDreams Sites & Projects ???

?? www.omgdreams.com
?? www.instagram.com/omgdreams_goodvibes

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I wish you all the best for this wonderful day and a magnificent life in abundance ??????

For more information:

Call us on: 0210038733
Visit: https://nationaldebtadvisors.co.za/
Twitter: https://twitter.com/NationalDebtAdv
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Should you do debt relief: https://bit.ly/3ZoMOXT
3 Debt Consolidation loan companies we like: https://bit.ly/3ZN5VKW
2 Debt Settlement companies we like: https://bit.ly/3EZYCaQ
Lawsuit likelihood Calculator: https://bit.ly/3JkF1Vy

What are the differences between Debt Consolidation and Debt Settlement? Which one would be a better fit? What are the pros and cons? Hopefully this video was helpful in informing you about the differences between Debt Consolidation and Debt Settlement. Let us know if you have any questions in the comments below!

Chapters:
0:00 Intro
0:30 Companies we’ve vetted Consolidation Loans and Debt Settlement
0:56 Overview
1:16 Pros and Cons of Debt Consolidation Loans
2:27 Pros of Debt Settlement
5:02 Cons of Debt Settlement
8:08 What should you do?
8:25 Should you do debt relief calculator

Did you enjoy this video? // Like and subscribe for more content like this! Comment down below if you have any questions or any content you would like to see from us in the future.

At Ascend, we are dedicated to making debt freedom cheaper, easier, and faster.

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