The Insolvency Department has recorded 4,194 bankruptcy cases involving civil servants from 2020 to June 2025, representing about 0.3% of the nation’s 1.6 million public sector workforce.

Responding to a question from Abdul Latiff Abdul Rahman (PN–Kuala Krai) in Parliament on Wednesday (Aug 13) regarding government measures to tackle rising household debt among civil servants, Deputy Finance Minister Lim Hui Ying said the Credit Counselling and Debt Management Agency (AKPK) provides advisory services, financial management assistance, and debt restructuring programmes for individuals facing serious financial challenges.

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???? Telegram channel Link
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We do not claim any ownership over third-party materials used in this video such as logos, PDFs, official documents, or screenshots. All rights and credit go to their respective owners.

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Confused about the Jharkhand NEET 2025 counseling process? ????
This video explains the complete step-by-step process of Jharkhand MBBS/BDS counselling for NEET UG 2025 aspirants.

???? Learn everything about:
? Eligibility Criteria
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? Seat Allotment Rounds
? Category-wise Seat Matrix
? Government vs Private Colleges
? Document Verification
? Mop-up Round Guidance
? Tips to Get Your Dream Medical College in Jharkhand

???? Whether you’re from General, OBC, SC/ST or EWS — this Jharkhand NEET counseling 2025 guide is for you!

?? Don’t miss the common mistakes students make and how to avoid them.

???? Share this with all NEET UG aspirants from Jharkhand!

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Discover the best debt consolidation services for 2025 to simplify your payments, lower interest rates, and regain financial control.
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00:51 Freedom Debt Relief – About
01:48 Freedom Debt Relief – Fees
02:54 National Debt Relief – About
03:22 National Debt Relief – Fees
04:43 Accredited Debt Relief – About
05:17 Accredited Debt Relief – Fees
06:19 JG Wentworth – About
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07:48 Final Thoughts

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Dealing with debt can be overwhelming, but solutions like debt consolidation offer a practical path to financial freedom. By combining multiple debts into one manageable payment, you can simplify your finances and negotiate more favorable terms.

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Disclaimer- Some contents are used for education purpose under fair use. copyright
Disclaimer under section 107 of the copyright act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favour of fair use. All credit copyright material used in video goes to respected owner.

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Stop paying unfair medical bills now! The updated 2025 laws are here to protect seniors like you from wrongful charges, outdated debts, and financial exploitation. In this video, you’ll discover how new regulations empower you to challenge denied medical claims, avoid illegal debt collection tactics, and take advantage of expanded financial protections.

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These changes are designed to protect your health, wallet, and peace of mind. Don’t let outdated practices hold you back. Watch now, stay informed, and start taking control of your finances today! Together, we’ll navigate these protections and ensure you get the benefits you deserve.

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CHAPTERS:
00:00 – Senior Protections Overview
00:49 – Denied Medical Bills and Insurance Issues
07:59 – Debt and Statute of Limitations Explained
13:43 – New Illegal Collection Agency Tactics
19:39 – Utility Bill Assistance Programs
27:21 – Credit Card Debt Relief Options
33:53 – Property Tax Exemptions for Seniors
41:50 – Identifying Unused Subscriptions
49:21 – Strategies for Reducing Monthly Expenses
49:35 – Prohibited Bank Fees for Seniors
55:50 – Challenging HOA Fees and Assessments
1:03:20 – Shocking Medical Bill Loophole
1:09:10 – Medicare Prescription Payment Plans
1:11:07 – Accessing Financial Protections for Seniors

Hey friends, in today’s short video I break down Upgrade Loans—the good, the bad, and the fine print! We’ll cover interest rates, eligibility, repayment terms, and whether it’s the right fit for your needs.

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Indogulf Cropsciences IPO Review 2025
In this video, we break down the complete analysis of Indogulf Cropsciences Limited IPO, including GMP trends, valuation, financials, debt analysis, and most importantly, whether you should apply for listing gain or long-term!

???? Topics Covered:
IPO Dates, Price Band & Lot Size

GMP Today & Listing Gain Possibility

Company Background & Business Model

Financials: Revenue, Profit, Cash Flow

Debt vs Profit Analysis

Valuation vs Industry Comparison

Risks Investors Must Know

Final Verdict: Apply or Avoid?

???? Watch till the end for our final conclusion based on GMP trends and past IPO patterns!

???? Don’t forget to Like, Share, and Subscribe for more IPO reviews and financial content!

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In this video, I’m breaking down the real reason auto loans are defaulting in record numbers in 2025—something most influencers, including Lucky Lopez, completely ignore.

?? This is NOT just about bad consumers or greedy lenders.
The dealerships are a HUGE part of the problem—and no one’s talking about it.

???? Why Should You Listen to Me?
I’ve approved and denied thousands of auto loans over the past 10+ years. I worked directly with dealer-submitted loan packages, structured indirect loans, and stopped fraud at the dealership level.

I’m not guessing—I’ve lived it as a Senior Consumer Loan Underwriter at places like Zion’s Bank, Arivo Acceptance, USF Credit Union, where I oversaw auto loans, recreational vehicles, unsecured lines, and more.

???? What Lucky Lopez Gets WRONG
Lucky says it’s all the borrower’s fault—or sometimes the lender.
But guess who’s missing?
???? The dealership.

???? Dealers are:

Packing loans with hidden fees and useless add-ons

Overpricing used cars way above value

Fudging income and employment to push approvals through

Exploiting first-time buyers with markups and bait-and-switch tactics

And then influencers blame the buyer for defaulting?! That’s not the whole truth.

???? Inside This Video You’ll Learn: ? How car dealerships are fueling auto loan defaults
? The shady tactics dealerships use to get consumers approved
? Why influencers like Lucky Lopez are missing key pieces of the puzzle
? How underwriting actually works behind the scenes—and what red flags WE see
? What you can do to protect yourself in 2025 when buying a car

???? Final Message
If you’re following advice from influencers with no underwriting experience, you’re playing a dangerous game.

???? Don’t fall for half-truths.
???? Learn how credit and auto loans really work from someone who’s been on the front lines.

???? Drop a comment — Have you ever felt ripped off by a dealership or gotten stuck with a bad auto loan? Let’s talk about it.

???? Subscribe for REAL finance and credit advice from a certified underwriter—not just viral opinions.

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