The hidden truth about credit counseling ????

If you’ve been searching for the 2025 pros and cons of credit counseling, we’ve got the details that most people never learn ????????

Freedom Debt Relief host Rob Wilson TV breaks down how it really works, the benefits, and its drawbacks—so you can decide if it’s right for you.

???? Ready to find your path out of debt? Visit https://bit.ly/4o5OJwx for a free consultation.

???? Watch the full video for a complete breakdown of credit counseling pros and cons, plus how it compares to other debt relief options. Like, comment, and share if this helped!

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Join us as we sit down with Enrolled Agent, and Founder of Golden Lion Tax Solutions, Morgan Q. Anderson, to discuss what Divorce Mediation Testimony is, and how it can help you avoid tax headaches after a divorce is finalized.

As a leading divorce firm in Portland, our attorneys provide guidance on custody, alimony, separation, estate planning, and more. Learn what to expect in Oregon and Washington divorce cases and how we can help.

If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.

To learn more about Morgan and how she can help you with your tax questions, you can visit her website at: https://www.goldenliontaxsolutions.com/

Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

The Truth About Debt Management and Credit Scores #moneyhabits #money #budgeting2024

???? PLEASE SUBSCRIBE to My Couple’s Channel,
Sitting in a Tree: https://www.youtube.com/channel/UCEhUizCZI_rzTB7WNHG_QfA/

???? FOLLOW on INSTAGRAM!

Tinesha Davis: https://www.instagram.com/tinesha_davis/
My Couple’s Channel: https://www.instagram.com/sittinginatree33/

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???? ABOUT ME:

People ask me this a lot: What do I do for a living? Here’s the answer..I’m a magician. I am. For me, money grows on trees and is as abundant as raindrops falling from heaven. Yup…that’s it, heaven grants me my wishes and my heart’s desires simply because it is law. For real…all sacred texts say so…so why wouldn’t YOU believe it to be true?

But in layman’s terms, I am a computer software engineer by day and a landlord of sorts. I also create Youtube content and these things are the bulk of my income.
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???? BOOKS I WROTE:

You can order autographed books directly from me using Cash.App or PayPal (all books are also available on amazon)

All Black Girls Ain’t Got Rhythm: $7
Holler at the Moon: $11

Price includes shipping and handling

My Cash.App: $TineshaDavis3
Paypal: TineshaDavis@gmail.com

Send me an email with your mailing address and instructions on to whom you’d want it autographed.
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???? The following books are available on Amazon:

A Course in Gratitude by Tinesha Davis, Querin Hamilton and Ashley Williams aka Violet Grace Link: http://a.co/2dITKNb
Holler at the Moon by Tinesha Davis Link: http://a.co/h2B3JJX
All Black Girls Ain’t Got Rhythm by Tinesha Davis Link: http://a.co/2QHupmZ
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P.O. Box Address:
Tinesha Davis
PO Box 220312
Chantilly, VA 20153-0312

Email: TineshaDavis@gmail.com
Instagram: Tinesha_Davis

Episode Summary:
In this informative episode, host Sophia Morales and family law attorney Jana K. Jones discuss equitable distribution in North Carolina divorces. Jana explains how marital assets and debts are divided, what constitutes separate property, and provides crucial advice for fathers navigating property division during divorce proceedings.

Key Timestamps:
00:04 – Introduction and episode overview
00:52 – Definition of equitable distribution in North Carolina
02:08 – Discussion of inheritance and separate property
03:11 – Types of property exempt from equitable distribution
04:01 – How marital assets are handled and distributed
04:51 – Treatment of marital debt and non-marital expenses
06:16 – How fathers can protect themselves during property division
07:19 – Factors that affect equitable distribution
08:12 – Discussion of income contribution and stay-at-home parents
09:40 – Important first steps for fathers preparing for divorce
11:09 – Final advice on separation agreements

About the Show:
“Advocating for Dads” is a podcast dedicated to helping fathers navigate family law issues, including custody, divorce, and separation. Host zofia Morales and family law attorney Jana Kay Jones provide practical advice specifically tailored for fathers in North Carolina.

#FamilyLaw #DivorceLaw #FathersRights #EquitableDistribution #NorthCarolinaLaw #DadRights #PropertyDivision #DivorceAdvice #LegalAdvice #CoParenting

Welcome to the Law Office of Jana K. Jones, where we stand strong for your rights in family law matters. We focus exclusively on representing fathers and ensuring they have an equal voice in family law cases, especially during divorce, child custody, and support issues in Mecklenburg County, North Carolina. With over 20 years of experience, our firm is dedicated to protecting your interests and helping you navigate the complexities of family law. Whether you’re facing divorce, fighting for custody, or dealing with child support, our compassionate and experienced team is here to guide you every step of the way.

In this channel, you’ll find helpful information on divorce, custody battles, child support, and fathers’ rights in North Carolina. We also provide advice on how to navigate the emotional and legal challenges of family law and offer insight into your rights as a father in a legal system that often favors mothers.

Services We Specialize In:

Divorce & Separation

Child Custody & Visitation

Child Support

Fathers’ Rights

Alimony & Spousal Support

Uncontested Divorce

Mediation & Settlement

???? Contact Us for a Free Consultation:
(704) 275-0951

???? Website: www.janajoneslaw.com

???? Office Location:
5960 Fairview Rd, Suite 325, Charlotte, NC 28210

The Truth About Credit Cards (And How They Keep You in Debt)”

???? Credit cards seem like free money—until you’re drowning in debt! Ever wondered why banks encourage you to spend with credit? The truth is, credit card companies make billions by keeping people stuck in never-ending payments and high-interest debt.

In this video, we expose how credit cards really work and what banks don’t want you to know:
?? The hidden tricks credit card companies use to make money ????
?? How minimum payments keep you in debt longer ????
?? Why interest rates and fees add up so fast ????
?? How to use credit cards wisely without falling into a debt trap ?
?? The best strategies to pay off credit card debt faster ????

???? Credit cards can be a tool or a trap—it all depends on how you use them!

???? Disclaimer: This video is for educational and entertainment purposes only and should NOT be considered financial advice. Always do your own research before making financial decisions.

???? Like & Subscribe for More Finance Explainers! Don’t forget to hit the ???? notification bell so you never miss a new video.

???? Hashtags for SEO:
#CreditCardDebt #CreditCardTricks #HowCreditWorks #FinanceExplained #MoneyMatters #FinancialEducation #PersonalFinance #DebtFreeJourney #SmartMoney #TheUltimateFinanceChannel

Debt expert Gordon Oliver, Director of Business Development at Cambridge Credit Counseling, breaks down how Debt Management Plans (DMPs) work, when they’re the right choice, and how they compare to bankruptcy vs. debt settlement. If you’re looking for debt relief options, this webinar is for you.

???? What You’ll Learn in This Webinar:
? How a Debt Management Plan (DMP) can lower your credit card interest rates & monthly payments
? When to choose a DMP vs. bankruptcy vs. debt settlement
? How to qualify & enroll in a DMP and what to expect
? The impact of DMPs on your credit score & long-term financial health
? The biggest mistakes people make when managing debt repayment
? BONUS: Expert budgeting tips & financial wellness strategies

––––––––––––––––––––––––––

???? Struggling with Debt? Take Action Now!

???? Learn More About Debt Management Plans:
https://link.upsolve.org/3X7aOj4

???? Book a FREE Debt Counseling Call:
???? https://calendly.com/camupsolve-appt/upsolve-appointment

????? Learn More About Cambridge Credit Counseling:
https://www.cambridge-credit.org/

????? Listen to the Financial Wellness Today Podcast:
https://open.spotify.com/show/5TiTZd2SXoE9onL3tikNdR

???? More Debt Relief Advice on YouTube:
https://www.youtube.com/user/CambridgeCredit

???? Considering Bankruptcy? Get Free Help With Your Bankruptcy Filing:
https://link.upsolve.org/4k4dbgA

––––––––––––––––––––––––––

? Timestamps:
00:00 Welcome and Introduction
00:20 Meet Gordon Oliver: Debt Management Expert
00:52 Understanding Debt Management Plans
02:51 Gordon’s Journey and Financial Wellness
06:11 How Debt Management Plans Differ from Bankruptcy
08:10 The Counseling Process at Cambridge Credit Counseling
13:59 Benefits of Debt Management Plans
17:26 Is a Debt Management Plan Right for You?
19:04 Understanding the Impact of Debt Management on Credit Scores
19:53 Exploring Bankruptcy and Debt Relief Options
20:22 The Importance of Evaluating All Debt Relief Options
22:06 Cambridge’s Additional Services for Debt Relief
23:37 Incentives and Savings in Debt Management Plans
25:51 Fees and Eligibility for Debt Management Plans
28:37 Educational Resources and Spending Plans
31:00 Final Thoughts and Contact Information

???? Subscribe for more free bankruptcy help & debt relief tips!

––––––––––––––––––––––––––

???? Upsolve is the internet’s leading nonprofit source of financial education. Nearly 3 million Americans visit Upsolve.org each year. Our services are 100% free. Here’s how we do it: https://link.upsolve.org/4gNcjKg

???? My Book is Now on Amazon: https://www.amazon.com/dp/B0DSLT8SRZ

FREE STOCKS:
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Receive FREE STOCKS (as a sign-up bonus) when you open a free account.

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ClearValue Tax and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Thank you for your support!

Legal Disclosure: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Before investing, please consult a licensed professional. Any stock purchases I show on video should not be considered “investment recommendations”. I shall not be held liable for any losses you may incur for investing and trading in the stock market in attempt to mirror what I do. Unless investments are FDIC insured, they may decline in value and/or disappear entirely. Please be careful!

Learn how to break free from the stress of debt with practical, actionable steps that go beyond generic advice. From understanding your debt and choosing the right repayment method to boosting your income and building an emergency fund, this guide will empower you to take control of your finances. Transform your financial future and reclaim your peace of mind-starting today!

???? If you found this video insightful, please give it a thumbs up, subscribe to our channel, and hit the notification bell to stay updated on the latest in global politics. Share this video with friends and family to keep the discussion going!

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Learn the power of cash! This video reveals how saving and paying cash for purchases eliminates debt, builds financial responsibility, and gives you true ownership. Avoid the debt cycle and take control of your finances! #CashPayments #FinancialLiteracy #DebtFree #SaveMoney #Budgeting #FinancialFreedom #Ownership #PersonalFinance #SmartSpending #MoneyManagement #daveramsey #debtfreedom #minimalism #frugal #frugalliving #fyp #shorts #shortsvideo #viralvideo #viralshorts

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