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Got a question from a client, and they wanted to know how settling their debt would effect their credit. In this video we compare it to bankruptcy, a consumer proposal, and credit counselling.

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The Credit Counselling Society is a non-profit service that has helped thousands of Canadians solve their debt problems. Call them today for free, confidential help: 1-888-527-8999.

As the coronavirus pandemic deepens, millions of Americans are skipping their credit card payments. In response, banks and other lenders are preparing for further economic fallout. CBS News business analyst Jill Schlesinger joined CBSN with more.

Debt consolidation might be the right plan of action for you, but how will it affect your credit score? Watch Jeff Schwartz from Consolidated Credit Canada break it down.

CREDIT COUNSELLING CANADA NON PROFIT

I review a credit counselling Canada site that has been very active in blogging about Canadian insolvency, bankruptcy and consumer proposal issues.
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Ira Smith Trustee & Receiver Inc. 167 Applewood Crescent #6, Concord, On L4K 4K7 (647) 799-3312

http://www.irasmithinc.com/blog/credit-counselling-canada/
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#creditcounsellingcanada #bankruptcy #debt #consumerproposal

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CREDIT COUNSELLING CANADA: VERY BUSY WITH BANKRUPTCY ONLINE CHATTER

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Credit Counselling Society – Bankruptcy Misconceptions and Options Canada | The Credit Counselling Society – Credit Counselling Society

Here are some of my other favorite youtubers and their videos!
Should I Use Bankruptcy or a Consumer Proposal in Canada?
What not to do before filing bankruptcy
Bankruptcy from Tax Debts
Personal Finance Q&A: How do I know when to declare bankruptcy?
Proven Biblical Money Principles – Dave Ramsey
Proper Use of LLCs for Real Estate
How to Start a Speech
Mark Cuban: How I Became a Billionaire
Should I File Bankruptcy Or Pay Off $80,000 In Debt?
Former CIA Officer Will Teach You How to Spot a Lie l Digiday
Bankruptcy – 3 Secrets to Rebuild Credit the Day After Discharge
Don’t Talk to Cops, Part 1
How We Help – Consumer Credit & Debt Counselling Canada | The Credit Counselling Society
Our Bankruptcy Story. What It Was Like to Go Bankrupt.
BANKRUPTCY IN ONTARIO CANADA SECRETS REVEALED
The Pros and Cons Of Bankruptcy
Consumer Proposals: What’s the Catch?
Bankruptcy in Canada Video 2: Provincial Exemption Limits and Asset Seizures
46% of Canadians on the brink of insolvency as rates rise: Survey
Sample retirement plan for 50 year old getting late start.
Total Debt Freedom
Epstein Epstein
Tax Audit Solutions
CBC News
Seacoast Church
Real Estate Asset Protection
Conor Neill
Bloomberg
The Dave Ramsey Show
Digiday
David Hetti
MP Anon
Credit Counselling Society
CreditDebtLife
Ira Smith
Hoyes Michalos
Hoyes Michalos
moneyandbusiness
BNN Bloomberg
Jazz Wealth Managers

Take a look at Credit Counselling Society stats and you’ll understand why I am a fan.

Video Url: https://www.youtube.com/watch?v=cqWIvnvHOX8
Video Title: Bankruptcy Misconceptions and Options Canada | The Credit Counselling Society
Username: Credit Counselling Society
Subscribers:
Views: 3,839 views

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CREDIT COUNSELLING CANADA: VERY BUSY WITH BANKRUPTCY ONLINE CHATTER

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Salyzyn & Associates – Credit Counselling

Have your Credit Cards Negotiated down by half within 3 weeks, talk to Credit Mediation Service at https://www.creditmediation.com.au

There are so many companies out there on the internet vying for your attention online every single day, many who want to sell you their product. This includes debt consolidation companies. As it turns out, there are a lot of ways to do debt consolidation but only ONE WAY to do it CORRECTLY.

Debt Snowball Method: https://youtu.be/KWp7ZjD6AD8
Debt Avalanche Method: https://youtu.be/d3H2ODyQo0I

Before you can even THINK about utilizing debt consolidation, you MUST make a few commitments/promises to yourself:

1. Remember that you are in DEBT! The Focus is GETTING OUT!
2. Cut up your existing Credit Cards!
3. You MUST use a WRITTEN BUDGET!

You are in debt! That is why we are even talking about Debt consolidation at all. You need to make a commitment to NOT use your existing credit cards AT ALL while you pay off your credit card debt. Your focus needs to be 100% on paying off your existing debt as quickly as possible. On this same note, you MUST HAVE a written budget to do debt consolidation the right way. You need to be in control of your finances each and every month to make sure your income is being used efficiently and you have extra money left over each month to pay off debt.

The 1st step to completing debt consolidation the right way is to utilize a debt consolidation credit card that has (2) characteristics:

– The debt consolidation credit card MUST have a 0.00% interest rate period of at least 12 months but longer is definitely preferred.
– the debt consolidation credit card MUST have a $0.00 balance transfer fee

There are a lot of credit cards out there that offer a 0.00% interest rate period of 12-18 months, but very few credit cards out there also offer a $0.00 balance transfer fee. Most credit cards will have a balance transfer fee of $10 or 5% of the outstanding balance whichever is higher. As you can imagine, this could end up being a very significant amount of money depending on how much debt you have to consolidate.

The only credit card that I could find that meets these requirements is the American Express EveryDay Credit Card. This card currently offers a 0.00% interest rate for the 1st 18 months after the credit card is opened and it also offers a $0.00 balance transfer fee for every balance transfer completed during the first 60 days after the account is opened.

Some things to consider before opening and using this credit card are:

– How much debt do I need to consolidate?
– Will I be able to pay off this debt during the first 18 months?

After you have utilized the American Express EveryDay loan consolidation credit card, the next best option would be to utilize a debt consolidation personal from a company like Marcus by Goldman Sachs or Discover. Both of these companies offer excellent options for fixed-rate low interest rate unsecured personal loans that you can utilize to pay off your high-interest credit card debt. A debt consolidation personal loan will allow you to have one payment instead of multiple payments with an interest rate lower than your credit cards.

Here are the takeaways:

1. START with a WRITTEN BUDGET for your personal finances
2. Cut up your existing credit cards to avoid additional debt
3. START with the American Express EveryDay card then utilize a personal loan

My name is JOE and I am just your AVERAGE JOE ON MONEY. This channel talks about ALL THINGS personal finance that help people like YOU and I, the Average Joe, learn the fundamental principles of money and win with our finances. Whether it is learning how to budget, saving money for retirement, investing, paying off debt, and all things in between, I have you covered here on the Average Joe on Money YouTube channel.