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What is credit counselling all about?
On this week’s show we talked with Heather Cudmore, a credit counsellor with Mosaic Counselling and Family Services, a program of Carizon Family and Community Services in Kitchener, Ontario. We had an open and honest conversation about credit counselling, debt management plans, and your options when dealing with debt. Some of the topics we covered:
What exactly does a credit counsellor do?
Who does a credit counsellor work for?
Is it true that they are just a collection agency for the big banks?
What does it cost? What are the fees?
Isn’t a debt settlement better and cheaper? What about other options?
Carlos D. Martinez Esq. explains scams related to debt consolidation and outlines what really goes on after you enroll in a plan to manage your debt.
There is an enormous stigma that goes hand-in-hand with filing for bankruptcy. The mere term bankruptcy can cause a feeling in some of immorality and failure. Nonetheless, certain terms like debt consolidation, credit management, debt resolution, debt relief, etc., cause a dramatically divergent emotional response. These matters are marketed as a sweet, painless alternative to bankruptcy. In reality, this is most certainly not the case.
Only filing bankruptcy can deliver the legal safeguards needed to dismiss creditors offer the ability to effectuate a fresh start. The bankruptcy procedure is a well-oiled machine, composed by Congress to treat debtors and creditors fairly. Do not let their deceitful marketing fool you. Bankruptcy is not equate with failure. Utilize the handy tools our legal system has offered and center focus on your future with a clean slate.
If you have any questions about your choices and are interested in seeing if bankruptcy is right for your situation, we would love to meet you for a free consultation. Visit www.scura.com to get started on your financially-free expedition.
Part 2 in our Social News Interviews Series – Find out why certified credit counselor Avineet Kalsey decided to become a credit counselor.
You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!
or Visit:
Business Solutions & Credit Counselling Services
Surrey/Vancouver office:
12033 92A Avenue #205, Surrey, British Columbia V3V 4B8
Tel: 604-951-8984
https://plus.google.com/105539074476281215342
Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://plus.google.com/110829514532144758690
Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984
Edmonton Office:
10665 Jasper Ave,
Edmonton, AB, T5J 3S9
Tel: 780-716-8984
Winnipeg Office:
330 St. Mary Ave,
Winnipeg, MB, R3C 3Z5
Tel: 204-962-8984
Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984
49.047552, -122.337449
https://plus.google.com/114098025449167198058
akalsey@bscc.ca
http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about
https://youtu.be/RtAnbWY1Xls
Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.
Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free
consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!
For over 18+ years, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.
For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.
Become our fan on Facebook:
https://www.facebook.com/CreditAndFinancialCounselling
Follow us on Twitter:
https://twitter.com/AKalseyBSCC
Check out our Pinterest Boards:
http://www.pinterest.com/akalseybscc/
Follow us on Instagram:
http://instagram.com/creditcounselingbscc
Join us on YouTube:
https://www.youtube.com/channel/UC4YyGuJMge9uUlFHQA-0L2A
More Insider Revelations about Credit Counselling Firms – Avineet Kalsey – recent interview series, Part 19-1, explains about ‘non-profit’ credit counselling companies and how many of them have arranged deals with creditors and are not actually working in YOUR best interest.
Debt reduction is front and center on many Canadians’ minds right now with soaring household debt levels – it doesn’t have to be this way – call our experienced credit counselors such as Avineet Kalsey right now. You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!
or Visit:
Business Solutions & Credit Counselling Services
Surrey/Vancouver office:
12033 92A Ave #205 Surrey, BC V3V 4B8
Tel: 604-951-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kjLPMNEqwaxo
Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kfJ5qQURWhEs
Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984
Edmonton Office:
Tel: 780-716-8984
Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984
http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about
Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.
Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!
For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.
For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.
Become our fan on Facebook:
https://www.facebook.com/CreditAndFinancialCounselling
Follow us on Twitter:
https://twitter.com/AKalseyBSCC
Check out our Pinterest Boards:
http://www.pinterest.com/akalseybscc/
Follow us on Instagram:
http://instagram.com/creditcounselingbscc
Join us on YouTube:
https://www.youtube.com/user/acreditcounseling
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The Debt Counsellor is appointed by the NCR set out by the National Credit Act. (section 44.(2) A person must not offer or engage in the services of a debt counsellor in terms of this Act, or hold themselves out to the public as being authorised to offer any such service, unless that person is registered as such in terms of this Chapter
The Debt Counsellor may be reprimanded by the regulator if he/she does not work in the frame work set out by the regulator and the NCA
$1 trillion is 1 with 12 zeros, not 9. We were attempting to make a joke that didn’t get edited properly! Oops lol.
Credit cards and financing is more accessible now than ever before with credit cards. However, debt is very expensive if you don’t use it wisely. Here’s what banks don’t want you to know.
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What Banks Don’t Want You To Know About Debt
0:17 – How to get all the nice things you want without paying for it today
0:35 – Financial problems and money issues are real and very serious
1:37 – Banks make money by lending
1:59 – Americans have more debt than ever
3:26 – How to get paid with credit cards
4:58 – The credit score system is one big game
6:08 – How to invest your money when you have credit card debt and get the best return
What Is The Minority Mindset?
The Minority Mindset has nothing to do with the way you look or what kind of family you’re from. It’s a mindset.
Give the majority $200 and they will come back with a pair of shoes. Give the minority $200 they will come back with $2,000.
Think from the mindset of a consumer and be the provider, that’s the Minority Mindset. Don’t be the majority. #MIH #ThinkMinority #FinancialLiteracy
Twitter/Snapchat @M2JaspreetSingh
Personal Instagram: @M2JaspreetSingh
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http://www.TheMinorityMindset.com
This Video: https://youtu.be/zyrpJA4gPlE
Channel: https://www.youtube.com/MinorityMindset
Based in Detroit. #Punjab
Jaspreet Singh
You’re in deep with credit cards, student loan debt and car loans. Minimum monthly payments aren’t doing the trick to help nix your debt. Something has to change, and you’re considering debt consolidation because of the allure of one easy payment and the promise of lower interest rates.
What Is Debt Consolidation?
Debt consolidation is the combination of several unsecured debts—payday loans, credit cards, medical bills—into one monthly bill with the illusion of a lower interest rate, lower monthly payment and simplified debt relief plan.
Check out this article from Dave Ramsey on Debt Consolidation: https://www.daveramsey.com/blog/debt-consolidation-truth
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I feel so blessed to share with you all here on YouTube. This video may contain links to affiliate programs. If you click on the link and make a purchase I will receive a small percentage of that sale at NO extra charge to you. However, you are under no obligation to buy anything I ever mention in a video. Sometimes I am lucky enough to have products sent to me for review. If I partner with a company I will always disclose it here. All opinions and reviews that I share are and always will be my own I will only share products that I myself would buy.
Thank you for watching!
Freedom In A Budget
