A Debt Counsellor is a professional registered with the National Credit Regulator (NCR) who helps people struggling with debt to manage their finances and pay off their debt in an affordable, structured way.

? They assess your debt situation
? Create a personalised, reduced payment plan
? Negotiate with creditors on your behalf
? Protect you from legal action and harassment
? Support you every step of the way to becoming debt-free

It’s legal. It’s safe. And it’s your right.

???? Speak to a registered Debt Counsellor today ???? www.gautengdebtcounselling.co.za

#WhatIsADebtCounsellor #DebtHelp #DebtReliefSA #GautengDebtCounselling #TakeControl #FinancialFreedom

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In 2025, credit card debt has hit record highs, leaving millions of Americans struggling to keep up. With inflation still squeezing household budgets and interest rates hovering near 23%, people are turning to credit cards just to cover basic expenses. Groceries, gas, and rent are being charged more often than paid in cash, and balances are growing faster than people can pay them off. What used to be a tool for convenience has turned into a lifeline — and for many, a financial trap that keeps tightening every month.

The pressure is overwhelming. Minimum payments barely make a dent, and late fees only push people deeper into debt. Younger adults are getting hit especially hard, carrying thousands of dollars in balances before they’ve even built real savings. Many are watching their credit scores fall and their stress rise as they struggle to stay afloat. In 2025, credit card debt isn’t just about overspending — it’s about survival in an economy where everything costs more and paychecks simply don’t go far enough.

This one mindset shift could completely change how you approach debt review. We sat down with @Datanamix at the DCASA conference. watch the full discussion https://www.youtube.com/watch?v=hNLy-hQ6HiQ&t=190s – #debtreview #debtcounselling #intuitivediscussions #podcast #consumereducation #financialeducation #knowledgeispower

The Annual Debt Review Awards 2025 was held on October 24th 2025 in Ballito, KZN.

Here are some of the highlights from the day.

For info about the Awards head to: www.debtrviewawards.co.za
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To get more information on how to defend yourself in from debt collectors, including tips, blog posts, forms, and courses, go to https://www.debtbrief.com.

If you want to have a 1:1 coaching session with me where I teach you how to defend yourself and beat your debt collector in court, sign up at https://debtbrief.com/live-course. If you aren’t in court yet, I can even teach you how to negotiate your debts.

If you need forms for your debt collection lawsuit, check out https://www.debtbrief.com/forms_sale.

If you need help settling your case, Solosuit has a great tool that helps you negotiate your debt without having to talk to a debt collector. You can find it at https://solosuit-1.pxf.io/debtbrief

If you want to see if you have a basis to sue your debt collector for a violation of the Federal Debt Collection Practices Act, send us an email at contact@debtbrief.com and we will find you an attorney who can look at your case.

If you think bankruptcy might be a good option to discharge your debt, send us an email at contact@debtbrief.com and we will find you an attorney to review your case.

Also, please like, subscribe and share. Our mission is to help as many people as possible defend themselves in court against debt collectors, but we need help spreading the word. Every like, share or subscription helps.

Could you write off some debt? Go here: https://moneynerd.co.uk/write-off/
Get legal advice from a solicitor (£5): https://moneynerd.co.uk/legal-advice/

Read more here: https://moneynerd.co.uk/debt-solutions/

“The information provided in this video is for editorial purposes only and not intended as financial advice. Free debt counselling, debt adjusting and providing of credit information services are available from MoneyHelper, an independent service set up to help people manage their money. You can find out more by contacting MoneyHelper. MoneyNerd is not associated with MoneyHelper, we just think they’re great.

MoneyNerd does not give specific debt advice and we recommend that you always discuss your personal situation with a qualified adviser that works for a company that is authorised and regulated by the Financial Conduct Authority. With your consent MoneyNerd may pass you on to a trusted debt counselling company or insolvency practitioner. MoneyNerd Limited is an Introducer Appointed Representative of Pacific Financial Solutions Ltd who is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 688034) and is classed as a debt counselling firm. Their in house IPs are Jason Bowen who is authorised to Act in the UK by the Institute of Chartered Accountants of Scotland (ICAS). Licence no. 22150 and Laura Stewart who is authorised to Act as in the UK by the Insolvency Practitioners Association (IPA). Licence no. 23590.”

Are you confused about the difference between debt consolidation loans and personal loans? Wondering which option is better for your financial situation?

National Debt Relief’s Financial Wellness Board Member Marc Russell will help you understand:

? The key differences between debt consolidation and personal loans

? Pros and cons of debt consolidation loans

? Pros and cons of personal loans

? Which option might be best for your situation

? How to make the right choice for your financial future

???? Learn more about debt consolidation: https://www.nationaldebtrelief.com/resources/debt-consolidation-relief/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description

And personal loans:

Personal Loan Debt

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National Debt Relief’s award-winning approach to debt relief helps people on their path to becoming debt-free as quickly and inexpensively as possible. Our Whole Human Finance approach to debt relief focuses on the “whole human” realities of debt and its impact, and supports our clients behaviorally, emotionally and psychologically during their debt relief journey.

National Debt Relief is rated A+ with the Better Business Bureau and has been ranked #1 in debt settlement by Forbes Advisor for two consecutive years. We’ve helped over half a million people resolve their debt, reclaim their independence and get their life back on track. We work with most major creditors and banks to reduce our clients’ debt, and we can help with most unsecured debt, like credit card debt, medical debt, personal loans, private student loans, collections, small business debt, and more.

For anyone with at least $7,500 in debt and feeling overwhelmed by it, call us for a free, no-obligation consultation to see how we can help. You can learn more about debt relief, managing expenses and more on our blog at https://www.nationaldebtrelief.com/blog/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description

We’re one of the top-rated and best debt relief companies in the United States.

Trustpilot: https://www.trustpilot.com/review/www.nationaldebtrelief.com?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
ConsumerAffairs: https://www.consumeraffairs.com/debt_counsel/national-debt-relief.html?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description

To learn more, visit us at https://www.nationaldebtrelief.com/howitworks/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description

or call 800-485-0769

To apply for debt relief, please visit us at https://www.nationaldebtrelief.com/apply/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description

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Follow us on social media

Instagram: https://www.instagram.com/nationaldebtrelief/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
TikTok: https://www.tiktok.com/@nationaldebtrelief?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description
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Facebook: https://www.facebook.com/NationalDebtRelief/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description

#DebtRelief #PersonalFinance #DebtConsolidation #PersonalLoans #FinancialEducation #BetterWallet #DebtFree

Show notes

[1] – https://www.nationaldebtrelief.com/blog/?src=ytube.owned&aff_sub=debtconsolidationvspersonalloans&aff_sub2=description

Independent analyses, ranging from Yale University to the Wharton School to the Congressional Budget Office, have each said that President Trump’s Big Beautiful Bill will add trillions of dollars to the U.S. deficit over the next 10 years. Yet, this year, the U.S. deficit is already exceeding 6 percent of GDP, a level roughly 63 percent higher than the average in the past five decades. And unlike past spikes, the current one isn’t driven by war or economic crisis, leading many to worry. In this documentary, through dozens of interviews with experts including Former Treasury Secretary Robert Rubin, macro investor Ray Dalio and Former Chairman of the Joint Chiefs of Staff Mike Mullen, CNBC’s Leslie Picker explores what will happen if the deficit is not reined in.

Chapters:
0:00 Introduction
1:27 How we got here
4:17 Market fallout
9:45 Economic ripple effects
13:48 International implications

Reported by: Leslie Picker
Produced by: Ritika Shah
Edited by: Erin Black
Senior Managing Producer: Tala Hadavi
Camera: Magdalena Petrova, Carlos Waters, Natalie Rice, David Soltis, Leroy Jackson, Alex Bedoya, Mark Aster, Michael Luciano, Tyler Roth, Jordan Smith, Miles Ross, Tara McCurrie, Vincent Castaldo, Marco Mastrorilli, Erin Black
Animations: Jason Reginato, Emily Park, Virginia Davies
Production Support: Kathy Mavrikakis, Darren Geeter
Managing Editor: Lacy O’Toole
Senior Director of Video: Jeniece Pettitt

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How America’s Debt Spiral Could Spark the Next Crisis

Debt mediation offers short-term relief by negotiating lower payments with creditors, but it doesn’t offer legal protection if things go wrong.

Debt counselling, on the other hand, is a regulated process under the National Credit Act — protecting you from legal action while helping you become debt-free through a structured repayment plan.

If you’re feeling overwhelmed, choose the route that truly leads to financial freedom — not just temporary relief.

???? Contact Gauteng Debt Counselling today and let us guide you toward a lasting solution.

#DebtCounselling #DebtMediation #GautengDebtCounselling #FinancialFreedom #DebtReview #SouthAfrica #MoneyMatters #DebtRelief #SmartFinance