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Ding dong the witch is dead! Which old witch? The credit debt witch! Here’s how I killed the wicked old witch of debt and eliminated twenty two thousand of credit card debt in just three years.

Credit counseling service I used: https://twitter.com/ClearPoint

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Recommended for all viewers: 5 Great Money Books for Young Adults- http://youngfinances.com/blog/best-books/

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Using credit counseling to consolidate your bills into one lower monthly payment may be a great way to manage falling behind on finances for some, but others may not qualify or have a steady income to support the payment. Who is CCCS the perfect fit for?

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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

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How Does Credit Consolidation Work

If you are asking yourself how does credit consolidation work, then it just means that you are in a debt situation. It may be that you are having a hard time tracking all the payments or you have trouble making the payments altogether. Regardless of the particular scenario in your financial life, too much debt only means one thing: you need a debt relief program.

Credit consolidation simply refers to any program that will combine your multiple debts into one easy and convenient payment plan. There are many reasons why you want to do this.

First of all, you want to keep yourself from missing out on your monthly payments. Bottom line is, it simplifies your payments. Instead of monitoring different creditors and sending payments at different times throughout the month, you make only one payment. This is very important because a lot of things will happen if you start being late on your due date. Your credit score could go down, harassing collection calls will start to take place and your debt amount can increase. You definitely want to keep your record clean by paying on time.

Another thing that credit consolidation can do is lower your monthly payments. There are two ways for this to happen and it depends on the specific debt relief program that you will pursue. With a debt consolidation loan and debt management, you get the lower payment by stretching your balance over a longer schedule. You can also lower your interest rate – although this is not a guarantee for debt management.

The other way that you can lower your monthly payments is through debt settlement. The purpose of this debt relief program is to reduce your balance by convincing your creditor that you are in a financial crisis. You want them to allow you to pay only a portion of your debt and have the rest forgiven.

Any of these options will help you pay down your debts. You only have to choose one based on your payment capabilities. Since debt settlement can give you debt reduction, this can be an option for people with low paying jobs or unstable ones. With a debt consolidation loan and debt management, you will need a more steady and stable paying job. That is because you will still end up paying for the whole debt that you owe. It will only seem lower because it is distributed over a longer payment period.

Although the debt reduction option of credit consolidation may sound like a good idea, you need to consider your options carefully. Debt settlement can ruin your credit score in ways that a debt consolidation loan and debt management cannot. But if you are really having a hard time raising the funds for your payments, then you need to let your credit score be damaged and just negotiate to settle your debts.

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How Can Credit Counselling Stop Wage Garnishment? Recent interview series, Part 9, where Avineet Kalsey tells us how using their credit counselling services can put a complete stop to wage garnishment and ease the pressure of debt once and for all.

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.

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Welcome to The Dave Ramsey Show like you’ve never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

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The main misconception about bankruptcy is that it is the only option. Call us today and we will find the best solution for you. 1-888-527-8999

Renee and her husband are around $200,000 in debt. She calls Dave to ask about consolidating her credit card debt, but Dave has other advice for her instead.

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Welcome to The Dave Ramsey Show like you’ve never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

Credit counselling is a way to impart proper guidance and support on consumer credit, money and debt management and budgeting. Know more http://debtcancellationhelp.com/credit-counselling-services

How to consolidate credit card debt using three different methods.
LightStream Loans: http://bit.ly/LS_DebtConsolidation
(I may be compensated by LightStream through this link.)

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If you want to know how to get rid of credit card debt, then you’re watching the right video. I’ll be covering why you’d want to consolidate credit card debt, which has to do with your credit utilization score and credit card interest.

I’ll also be covering 3 unique ways to consolidate credit card debt that I believe work the best. Getting a personal loan, balance transfer offers and cash-out refinancing are the three ways to consolidate credit card debt that I’ll be covering.

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— Resources and Recommendations —

DISCLAIMER: This video description contains affiliate links, which means if you click through the links, I can receive a small commission (at no cost to you). This helps support the channel and allows me to continue making in-depth content for you. Thanks for the support.

COURSES I RECOMMEND:
– How to Grow and Rank on YouTube: http://bit.ly/YTRankingAcdmy

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– Lightstream loans is who I recommend for any auto loans, personal loans or debt consolidation. They have the best rates and don’t charge any fees or pre-payment penalties. http://bit.ly/lightsteam_loans

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Welcome to the Honest Finance Channel!

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