Debt Review is a process where a consumer gets assistance from an NCR registered Debt Counsellor. Read more about debt review at http://www.debtcounselling-southafrica.co.za or www.debtcounselingsouthafrica.co.za

Get Credit Counseling Here – http://creditcounseling.debtconsolidation.com

What Is Credit Counseling?

Are you struggling financially and trying to dig out from a mountain of debt? Credit counseling could be just the solution you’re looking for.
Credit counselors work with consumers to educate them about money and debt, and help them develop household budgets a plan to eliminate debt. Credit counseling can offer financial guidance or negotiate with creditors to resolve unsustainable debt. However, counselors cannot offer legal advice. All meetings between a credit counselor and clients are considered confidential.

Accreditation Groups

Credit Counseling agencies typically belong to an accreditation group, such as the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies. These groups develop standards, provide accountability for its member agencies and set suggest fee schedules. The National Foundation for Credit Counseling suggests fees should be no more than $50 for a set-up and $25 monthly thereafter. Members of the Association of Independent Consumer Credit Counseling Agencies must agree to cap the initial charge at $75 and the monthly maintenance fees at $50.

The Credit Counseling Plan

When you meet with a credit counselor, having an honest discussion of your finances is paramount. You must be prepared to disclose all aspects of your financial life so the counselor will have a clear and complete financial picture of your income, household expenses, existing debt and spending habits. Copies of financial statements – including the debt accounts — will be needed.
The credit counselor helps develop a unique plan that might include a debt management plan, improved budgeting, bankruptcy, or a combination of these. Financial management and educational tools are provided, as well as materials to help clients develop savings and retirement plans.

Finding A Credit Counselor

Finding a credit counselor in your area has never been easier. Start by making a list of member agencies of the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies. Next, contact either your state attorney general local consumer protection office to find out whether there have been any complaints filed. You can find information on your state’s regulations by visiting the state pages on our site.

Most agencies will offer an initial meeting at no charge. This meeting usually lasts about one hour, and gives you the opportunity to find out if the agency will be a good fit.

About Nonprofit Agencies

Many credit counseling agencies are nonprofit and typically derive their funding from fees paid by clients, grants from the credit/lending industry and a percentage of the payments made by debtors. Up to 15 percent of what is collected can be returned to the agency. Under IRS guidelines, a non-profit credit counseling agency can only collect up to 50 percent of its revenue from these payments.

Ignited about crushing debt takes you through a journey where you learn about the steps to take control of your financial life. Debt has made many individuals its slave, and it’s time to turn a chapter and take control. With a simple step-by-step process Matthew Meyers take you on a journey of self discovery with easy to use tools in taking back your life. You deserve the opportunity to live a more fulfilling life, get ignited and crush the debt that has been holding you back.

Are you getting deeper and deeper into debt while they make bigger and bigger profits? Not after you read…Debt Cure$ They Dont Want You To Know About!In this new book, Kevin Trudeau blows the lid off the banking and credit card industries, exposing the greatest rip off of our citizens in this nations history. The credit card industry is one of the most profitable industries in this country, but they dont want you to know it. You can fight back! You can apply Kevins solutions to your debt problems, and keep more money in your pocket today. You can learn how to use credit to build wealth! Read Debt Cure$ and cure your debt forever. You will learn: * How the credit lending business is rigged against you! * How the financial industry wants to keep you in debt! * How the banks and credit card companies are making obscene profits off of you and how you can change that! * How to reduce or possible totally eliminate your debt! * How you could cut your payments in half! * How to correct your credit with two magic words! * How to improve your credit virtually overnight! * How to get free money that you never have to pay back! * Find out why the financial industry wants to keep you in debt. * Turn bad debt into good credit. * Create wealth through financial health.

Product Features

• ISBN13: 9780979825811
• Condition: Used – Very Good
• Notes: 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

A New York Times-bestselling author–and one of the most controversial men in corporate America–blows the lid off the banking and credit card industries.

Product Features

• You will learn: How the credit lending business is rigged against youl
• How the financial industry wants to keep you in debt.
• how the banks and credit card companies are making obscene profits off of you and how you can change that.
• How to reduce or possibly totally eliminate your debt.
• How you could cut your payments in half.

In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom.

Inside Dear Debt you will learn to:
– Find the debt repayment strategy most effective for your needs
– Avoid spending temptations by knowing your triggers
– Replace expensive habits with cheaper alternatives
– Become a frugal friend without being rude
– Start a side hustle to boost your current income
– Negotiate your salary to maximize value
– Develop a financial plan for life after debt

A “New York Times”-bestselling author–and one of the most controversial men in corporate America–blows the lid off the banking and credit card industries.

Every student wants Extra Credit! Extra Credit is not just another boring finance book. You’ll learn: • The top 10 ways credit card companies trick you. • When to use debit cards and when to use cash. • What is a credit score? • How to choose the right student loan. • The keys to succeed in college. • And much more…

Product Features

• Used Book in Good Condition

Jon Acuff’s hilarious thoughts on all things Dave Ramsey. Perfect for the Dave fan who has everything, or the person who wants to laugh about money while on their journey to financial peace.

Product Features

• ISBN13: 9780978562090
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

Put the most valuable business tool to work for you!

The balance sheet is the key to everything–from efficient business operation to accurate assessment of a company’s worth. It’s a critical business resource–but do you know how to read it? How to Read a Balance Sheet breaks down the subject into easy-to-understand components.

If you’re a business owner or manager, this book helps you . . . Manage working capital Generate higher returns on assets Maximize your inventory dollars Evaluate investment opportunities

If you’re an investor, this book helps you . . . Determine the market value of a company’s assets and operations Predict future earnings and trends Assess the impact of capital expenditures Identify potential “red flags” before the crowd

How to Read a Balance Sheet gives you the bottom line of what you need to know about:
Cash Flow * Assets * Debt * Equity * Profit and how it all comes together.