[Credit] Videos
http://www.nomoredebts.org/blog/credit-counselling-society/credit-counselling-society-canadas-best-workplace-employer
Hear what employees of the Credit Counselling Society think of where they work. We have been recognized by the Great Place to Work® Institute Canada as one of the “Best Workplaces in Canada” for 2012. Call us today. 1-888-527-8999
TV interview highlights high cost of credit counselling as a debt relief option
What is CREDIT COUNSELING? What does CREDIT COUNSELING mean? CREDIT COUNSELING meaning – CREDIT COUNSELING definition – CREDIT COUNSELING explanation.
Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license.
Credit counseling (known in the United Kingdom as Debt counselling) is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt. Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor’s ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves. In the United States, individuals filing Chapter 13 bankruptcy are required to receive counseling.
In the United States, the National Foundation for Credit Counseling was established in 1951. The modern practice known as ‘‘credit counseling’’ was initiated by creditor banks and credit card companies during the mid-1960s to address the growing volume of personal bankruptcies.
Although there is variation from country to country and even in regions within country, consumer debt is primarily made up of home loans, credit card debt and car loans. Credit counseling includes an array of services to address consumer debt that is not within the debtor’s ability to pay. In addition to education, a popular credit counseling option is the ‘‘Debt management plan’’ (‘‘DMP’’, known in the United Kingdom as the Individual voluntary arrangement or “IVA”). In order to initiate a DMP, a consumer would authorize the credit counselor to contact each of the consumer’s unsecured creditors and negotiate with each creditor to lower the consumer’s monthly payment amount, to lower the interest rate, and to waive any outstanding late fees. The debt was then ‘‘consolidated’’ into a single payment.
Credit counselors can sometimes negotiate debt relief, where part or whole of an individual debt is forgiven. Another option is Debt consolidation, in which one new loan replaces multiple unsecured credit debts. The Debt-snowball method is a budgeting approach that addresses debt systematically.
Global criticism of credit counseling comes primarily from predatory practices that take advantage of debtors that are already struggling. These practices include failing to meet required standards, charging unlawful or unreasonable fees, failing to provide affordable solutions for consumers, and neglecting to make customers aware of free debt services available elsewhere.
Credit Counseling Services can provide lower monthly payments on credit card debt and other unsecured bills. One phone call can quickly help you learn for yourself if you qualify and understand just how much lower your payments can be.
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Credit Counseling is often referred to as a form of debt consolidation because you combine all of your payments that are in the debt management program into one payment.
LEARN MORE ON CREDIT COUNSELING:
Credit Counseling Services Help Lower Your Monthly Credit Card Payments
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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
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http://www.pinterest.com/akalseybscc/
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http://instagram.com/creditcounselingbscc
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https://www.youtube.com/channel/UC4YyGuJMge9uUlFHQA-0L2A
Paying off your credit card debt can seem like a MONUMENTAL challenge. And getting rid of your credit card debt FAST is even harder. Here are the 4 steps I took to eliminate my $14,000 of credit card debt in just 7 months!
Please LIKE or COMMENT if you enjoyed the video! It helps a lot. ?
If you found any of this so INSANELY useful/helpful/inspiring, I wouldn’t mind waking up to a free coffee tomorrow morning. ? buymeacoff.ee/rapidweblaunch
More of a reader? Check out my full blog post: https://blog.rapidweblaunch.com/2016/08/29/pay-off-credit-card-debt-fast/
Learn about the cornerstones of credit counselling and the advantages it provides in helping you build a better future.
For a wide range of educational material on personal finance, check out http://www.consolidatedcredit.ca
http://www.nomoredebts.org/canhelp/needhelp.shtml
Are you struggling or can’t pay your bills? This is one of the first warning signs of debt. We can help you make a plan. Call us today. 1-888-527-8999
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
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http://www.pinterest.com/akalseybscc/
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Thinking about filing for bankruptcy? Before you can file you are required to take a credit counseling course and submit the certificate of completion along with your petition and schedules. After you file, a second course and certificate are required to qualify for a discharge.
In this video, I explain what is involved with these two mandatory bankruptcy education courses.
Here is a list of approved vendors: http://www.bankruptcyworksheet.com/credit_counseling_vendors.html
Here is a link to my Atlanta bankruptcy web site: http://www.atlanta-bankruptcy-attorney.com.
Jonathan Ginsberg
Atlanta bankruptcy attorney
Ginsberg Law Offices
1854 Independence Square
Atlanta, GA 30338
770-393-4985
