National Debt Relief Review: See how it works, who qualifies, and whether it’s the right solution for your debt.
???? Get National Debt Relief ? https://bit.ly/3GRfLaR
????EXCLUSIVE DISCOUNTS AUTOMATICALLY APPLIED????

National Debt Relief Review: See how it works, who qualifies, and whether it’s the right solution for your debt.

Timestamp Sections:
00:00 Intro
00:49 About National Debt Relief
01:13 How It Works
01:53 Credit Scores
02:16 Cost
02:42 Negotiation
03:03 Final Thoughts
03:37 Outro

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National Debt Relief: How It Works
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National Debt Relief helps individuals negotiate and settle unsecured debts like credit cards, medical bills, and personal loans. The process starts with a free consultation, where a representative evaluates a person’s financial situation. If eligible, the client deposits money monthly into a dedicated account, which is later used for lump-sum settlements with creditors. While this can lower the total debt owed, the process typically takes two to four years and requires consistent payments to succeed.

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Pros and Cons of National Debt Relief
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The biggest advantage of National Debt Relief is the potential to reduce overall debt and simplify payments into a single deposit. This can make budgeting easier and provide financial relief. However, drawbacks include credit score damage due to paused payments, fees ranging from 15% to 25% of the enrolled debt, and no guarantee that all creditors will settle. Additionally, forgiven debt might be taxable, and legal actions from creditors remain a possibility.

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Alternatives to Consider
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Besides debt settlement, options like debt consolidation loans, DIY negotiations, and even bankruptcy exist. A consolidation loan can preserve a credit score but requires a good financial standing, while self-negotiation saves on fees but demands time and skill. Bankruptcy can offer a fresh start but has long-term credit consequences. Before enrolling in any program, it’s crucial to evaluate fees, timeline, impact on credit, and tax implications to make an informed decision.

Hope you enjoyed my National Debt Relief Review | Is It Legit or Just Another Debt Scam? Video.

A report from Axios indicates ongoing discussions within the Department of Education about the intensity and timeline for pursuing borrowers struggling to make payments. The U.S. Department of Education has identified that over 5 million borrowers are already in default, facing potential wage and tax refund garnishments if they fail to resume payments.

In New York State alone, 2.5 million borrowers owe an average of $39,000 each.

A student loan expert speaking to CBS6 offered advice.
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????You should consider debt counselling if you are: Struggling to afford your monthly debt repayments? Feeling overwhelmed by creditors? Debt counselling might be the solution you need! In this video, I break down why debt counselling is a smart choice for South Africans who are drowning in debt.

???? What You’ll Learn in This Video:
? What is debt counselling?
? How it protects you from creditors & legal action
? How it reduces your monthly payments & interest rates
? How it helps you become debt-free!

? Take Control of Your Finances Today!
? If you’re in debt and need help, don’t wait until it’s too late.

Debt counselling is a legal and structured way to regain financial freedom.

???? Got questions about debt counselling? Drop them in the comments below!

???? Don’t forget to LIKE ????, SUBSCRIBE ????, and SHARE this video with someone who might need help!

Email: jacques@debtwipe.co.za
Website: debtwipe.co.za
WhatsApp: 073 285 4196

?Okay… I need to call the husband and get them to confront the truth. Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

??Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don’t overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW*

??? *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5

???Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay

? Watch this episode’s *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky.

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?OTHER CHANNELS:

1. Financial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups

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Chapters:

00:00 Intro

___________________________________________
?EXTRA

1. My website: https://calebhammer.com/

2. My socials: https://stan.store/calebhammer

3. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply

Any questions? Email:
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?*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.

?Sponsorship and business inquiries: business@calebhammer.com

Financial education

Take your personal data back with Incogni! Use code NEWMONEY at the link below and get 60% off an annual plan: https://incogni.com/newmoney

The US national debt has skyrocketed to a staggering $36.22 trillion, raising concerns about potential bankruptcy. The focus on this issue has intensified due to the alarming rise in interest payments, which have surged to an estimated $1.13 trillion for the fiscal year 2024. In this video, let’s uncover the problems the US economy faces, and whether they can stop a default.

? ? IN PARTNERSHIP WITH STAKE ? ?
????Get $10 FREE credit and a FREE U.S. stock, use code NewMoney: https://on.hellostake.com/newmoney
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? ? LEARN TO INVEST ? ?
Get started investing on the right foot with our step-by-step investing courses:
https://newmoney.education/

? ? CONTENTS ? ?
0:00 The US Debt Problem
6:20 Will the US Default?
8:20 The Statistic to Watch
12:00 Trump’s Dangerous Policies

My Podcast: https://www.youtube.com/c/TheYoungInvestorsPodcast

Brandon van der Kolk is authorised to provide general financial product advice in Australia and is an Authorised Representative (Number 1305795) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice is general & does not consider your financial situation, needs or objectives so consider whether it’s appropriate for you. Read Brandon’s Financial Services Guide available from https://guideway.com.au/NewMoney.pdf. Past performance is not a reliable indicator of future investment returns.

Contact email: hello@newmoney.contact
Note: I do not have the ability to answer all emails, but know that each email is read. If enquiring about sponsorship, New Money is currently only seeking sponsorship from established brands.

Botswana’s economy is on the brink.
In 2025, the diamond industry is collapsing, public debt is near its legal ceiling, and growth has flatlined. In this deep dive, SnapFlash unpacks the latest Econsult Economic Review, revealing shocking figures:

???? Mining down 24.1%
???? Budget deficit at P24.7 billion
???? De Beers’ sales down 44%
???? U.S. tariffs hit diamonds hard
???? Government savings nearly depleted

Botswana’s Economic Crisis 2025: Diamonds Fall, Debt Soars, and Reform Urgently Needed

Will urgent reforms come in time to prevent an economic meltdown? And can Botswana reduce its over-reliance on diamonds before it’s too late?

?? Watch now for a clear, compelling breakdown of the numbers, the risks, and what comes next.

#BotswanaEconomy #SnapFlashNews #DiamondCrisis #DebtCrisis2025 #BotswanaFinance #EconsultReview #DumaBoko #DeBeers #AfricanEconomy #USATariffs #PolicyReform

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Settle your debt: https://www.solosuit.com/solosettle?mkt=yt+negotiate+debt+settlement+on+your+own
Respond to a debt lawsuit: https://www.solosuit.com/debt_answer?mkt=yt+negotiate+debt+settlement+on+your+own
Make a motion to compel arbitration: https://www.solosuit.com/motion_to_compel_arbitration?mkt=yt+negotiate+debt+settlement+on+your+own

We wanted to know how to negotiate debt settlement with creditors and debt collectors, so we asked a lawyer, John Skiba:

0:00 Intro
0:46 Don’t threaten bankruptcy unless you actually mean it
1:28 Give them reasons to accept your debt settlement offer, such as hardship
2:20 Tell them about any other debts you have
2:45 Be prepared for a counteroffer
2:54 Make a fair offer
4:34 Negotiate with the opposing attorney

If you want to settle your debt, making empty bankruptcy threats isn’t the best move. Instead, illustrate your financial hardship and other obligations, such as tax debts or child support, which can affect a creditor’s ability to collect.

Make a realistic offer, and be prepared to receive a counteroffer.

BOUT: John Skiba has 21 years of experience in consumer bankruptcy and debt defense. He runs the @Consumer_Warrior YouTube channel and owns Arizona Consumer Law Group, PLLC: https://skibalaw.com/

In this episode of The Higher Standard, Chris and Saied take a wrecking ball to the myths of modern homeownership—armed with caffeine, sarcasm, and a well-earned chip on their shoulder. From the Fed’s tightrope act to the slow-motion implosion of consumer confidence, they unpack the real estate market’s latest mood swings, including a 5.9% drop in existing home sales and why homebuilder incentives might not be the golden ticket they appear to be. Whether it’s mortgage points, ARMs, or the lock-in effect, the guys explain how debt, equity, and psychology are shaping a volatile new paradigm for aspiring homeowners.

?? But wait—this isn’t just economic therapy. It’s also gym confessions, cold plunges, burrito-based diet plans, and a hard truth: you’re probably not timing the market better than Warren Buffett. The duo dives into the dangers of being house poor, why your credit score isn’t as accurate as you think, and why buying a home should be more about life fit than market timing. If you’ve ever wondered whether intermittent fasting, lifting routines, and homeownership prep could be discussed in the same breath, buckle up. This is The Higher Standard—where financial literacy meets real-life chaos and a lot of unsolicited fitness advice.

???? Share your experiences and thoughts in the comments below.

? *And don’t forget to subscribe!* ?? https://www.youtube.com/@higherstandardpodcast?sub_confirmation=1
—–
???? *Listen to THS on:*
??Apple Podcasts: https://podcasts.apple.com/us/podcast/the-higher-standard/id1596999039
??Spotify Podcasts: https://open.spotify.com/show/4GWJoCTk8jQRwKyutOERtP?si=70a1afa6b362474f
—–
???? *THS MERCH:* http://thspod.com
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*Welcome to the official YouTube channel of The Higher Standard, the #1 financial literacy podcast in the world.*

????This isn’t a different standard, it’s The Higher Standard. We go beyond just reporting news; we simplify complex economic events into clear, useful insights.
???? Have you left your “honest ??????????” review?

???? *Don’t just follow the norm; elevate your financial literacy with us. Subscribe and hit the bell (????) to never miss an episode.*
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???? *Let’s Connect!*
?? Instagram: https://www.instagram.com/higherstandardpodcast/
?? Website: https://www.higherstandardpodcast.com
???? Join The Higher Standard private email list for written articles, show resources & more: http://eepurl.com/hLykI1

???? *Follow Chris On:*
https://www.youtube.com/chrisnaghibi
https://www.instagram.com/chrisnaghibi/
https://www.facebook.com/ChrisNaghibi/
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https://www.tiktok.com/@chrisnaghibi

???? *Follow Saied On:*
https://www.instagram.com/saiedm.omar/
—–
???? *Referenced Show Links:*
CNBC
March home sales drop to their slowest pace since 2009
https://www.cnbc.com/2025/04/24/march-home-sales-drop.html
—–
? *Chapters:*
00:00:00 Welcome Back to The Higher Standard
00:03:07 Existing Home Sales Drop: What It Really Means
00:04:30 The Equity Illusion: Why Confidence May Collapse
00:06:44 The Disappearing Middle Class & Homeownership Divide
00:09:33 How Homebuilders Use Incentives to Survive
00:13:04 Mortgage Points & Buying Down Your Rate Explained
00:15:13 ARMs: Useful Tool or Financial Trap?
00:21:08 Financial Awareness 101: Stop Overcomplicating It
00:44:10 The Lock-In Effect: Why Nobody’s Selling
00:47:03 Rate Cut Fantasy: The Fed’s Political Tightrope
00:48:39 Homebuyer Prep: Credit, Cash, and Caution
01:01:00 The Case Against Timing the Market
01:03:02 Don’t Be House Poor (Seriously)
—–
?? *Disclaimer:*
Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.
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#TheHigherStandard #Podcast #FinancialLiteracy #HousingMarket #HomeownershipCrisis #MortgageRates #ARMloans #Equity #ConsumerConfidence #RecessionWatch #InterestRates #FedPolicy #RealEstateInvesting #MiddleClassShrinkage #CreditTips #PersonalFinance