The actual process I used to negotiate debt and save thousands plus how to plan your own debt negotiation strategy without a debt settlement company. https://www.youtube.com/watch?v=AGUZ5paqvCQ&index=8&list=PLjsZ3KrTlZozfKrkG8uKVUa_yoC6xUVvn

The average American owes $16K in credit card debt and a full year’s income in total debt. That’s too much and sometimes you just can’t pay it off. That’s when it’s time to start negotiating debt with creditors, agreeing to pay some of the money if they wipe out the rest.

This isn’t an easy way out of debt and shouldn’t be used as an excuse to run up thousands in credit card debt. It’s a powerful process and must be used responsibly. For those in true financial trouble, it can be a way out and a way forward.

I start by sharing my debt negotiation story, how I used this process to save over $6,500 in credit card debt and personal loans. I also reveal the two biggest traps in debt negotiation, filing bankruptcy and debt settlement companies, and how you can avoid them.

This is a four-step debt negotiation process that will guide you step-by-step into dealing with collection agencies and bill collectors. I’ll help you plan your negotiating strategy and reveal the secrets to getting as much of your debt wiped out as possible.

– My debt negotiation story
– A warning about bankruptcy and debt settlement companies
– Four-step debt negotiation process
– Planning your debt negotiation strategy
– Dealing with a debt collection agency
– Two negotiating strategies that WORK

Don’t forget to click through to the debt payoff playlist above and follow the entire series. I may eventually turn this series into a paid course but you can watch it all free right now. I start out by revealing the debt payoff strategies that will work with any budget, even on low income, and finish by showing you how to get a perfect credit score.

SUBSCRIBE to create the financial future you deserve with videos on beating debt, making more money and making your money work for you. https://peerfinance101.com/FreeMoneyVideos

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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.
#creditreport #creditscore #debt

Save $500 Monthly With Refinance Tips Today

Are you paying too much on your mortgage every month? With refinance rates dropping in 2025, Virginia homeowners are saving $300–$500 monthly just by restructuring their loan. In this video, I, Duane Buziak – The Mortgage Maestro, break down how refinancing works, who qualifies, and why now is the perfect time to act. Whether you’re in Fredericksburg, Richmond, Charlottesville, or Williamsburg, refinancing could free up cash for travel, family needs, debt consolidation, or home improvements. We’ll cover the step-by-step process, compare loan options, and explain how much you could realistically save. Don’t let today’s historic rates pass you by—these opportunities won’t last forever. Subscribe for mortgage tips, refinance hacks, and Central Virginia housing market updates.

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? ???????????????????????????????????? ????????????????????????: This video and my YouTube channel contain Dialogue, Music, and Image that are property of “Duane Buziak” You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube Channel is provided.

? ???????????????????????????? ????????????????????????????????:-

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Are multiple debts keeping you up at night? ???? Debt consolidation might be the solution you’ve been looking for! In this video, we break down how consolidating your debts into one manageable payment can make your financial life so much easier. ????????

Don’t let high-interest rates and confusing bills drag you down! Learn how debt consolidation can simplify your payments, reduce stress, and help you get back on track. Start your journey toward financial freedom today! ????

Watch till the end to learn more about how to take control of your financial future!

#DebtConsolidation #FinancialFreedom #MoneyManagement #SmartMoney #DebtRelief #FinanceTips #PersonalFinance #FinancialGoals #Budgeting #FinancialPlanning #MoneyHacks #DebtSolutions #CreditCardDebt #SaveMoney #WealthBuilding #FinanceReels #SalarySe #debthelp

Discover the number one way to tackle the debt situation in the United States through smart fiscal policy and a focus on lowering the deficit. Learn why sustainable long-term debt management requires a country with sound financials, and how productivity and smart budgeting can lead the way. Explore examples, including Australia’s approach. #DebtManagement #FiscalPolicy #LoweringDeficit #FinancialSustainability #BudgetingTips #ProductivityMatters #UnitedStatesDebt #SmartFinance #DeficitReduction #FinancialStability

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Any questions? Email casting@calebhammer.com
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Chapters:

00:00 Job and income
04:35 The cost of fun at 27
06:35 Rakuten
09:00 So you DO have a degree
15:17 Girl is on something
19:47 Please be joking’
26:19 She is honestly impressive
29:19 I called her DAD ????????
32:45 She’s “working on it”
38:00 This is ridiculous
44:40 How do you live like this?
50:24 This isn’t LIFE
52:37 Two new things for you!
53:15 Let’s see the truth!
55:20 You need a budget (Makes no money)
1:05:05 Hammer Financial Score

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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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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

In this video, we’ll cover four easy steps you can take to get a clear picture of debt – vs – saving. Make sure you watch to the end, because we’ll also give you some important precautions you can take, which will make the whole process run more smoothly.

It can be very frustrating when you are digging in your heels and pushing HARD to pay off debt – only to be left feeling like other needs you SHOULD be saving for are going by the wayside. Yet, if you set money aside for those needs, it seems like you are just prolonging the pain of carrying that debt around.

Whether you are on the journey to becoming debt-free or you are paying off debt, you’ll find tips in this video which apply to your situation.

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? How to Beat Inflation with a Side Hustle: https://www.youtube.com/watch?v=wBbmDi6oYWo&t=1193s&ab_channel=UndertheMedian

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We’re Hope and Larry and we love practical frugality. We raised our four sons, debt-free, including paying cash for our home when our income was well under the national average. For tips on saving money, budgeting, paying off debt, and setting goals (while living with a spirit of joy and abundance), subscribe to us here on YouTube and visit us at our website and on social media.

Information on Under the Median represents our opinions only. We are not medical doctors, medical professionals, nutritionists, or investment professionals. All content found on Under the Median is intended for informational purposes only. Please be sure to exercise due diligence and always contact a professional with any questions you may have regarding any information you have seen or heard on our YouTube channel. Use caution when following instructions in this video. The creator and publisher of this video will not be held responsible for any adverse effects that may arise from the use of any method on this channel.

//CONTACT:

For all inquiries, please use this email: hope@underthemedian.com

Get early access to our debt consolidation loan calculator at https://tryascend.com/consolidate to estimate whether you actually save money with a debt consolidation loan.

Understanding the pros and cons of debt consolidation loans is vitally important to make the most informed decision. For example, while you may save on your interest rates, did you know that consolidating mixed interest rates could effectively make you lose some money? Did you know that the origination fee is removed from the total amount? So, if you took a loan of $10,000, you may only see $9,400 after the origination fee is removed.

In this video, we will cover the following areas around the pros and cons of debt consolidation.

Chapters:
0:00 Intro
2:30 What is Debt Consolidation?
3:07 Two Types of Debt Consolidation
4:15 Pros of Debt Consolidation
8:20 Cons of Debt Consolidation
14:00 Conclusion

#debt #debtconsolidate #debtfreejourney

Music: www.bensound.com

Should I Let My Fiancée Save Up to Pay Off My Debt?
Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q

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Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!

Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1

Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!

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Approximately 1 in 8 Americans hold student loan debt. Amy Richardson, a certified financial planner with Schwab Intelligent Portfolios Premium, joined CBSN’s Tanya Rivero with tips for how new college graduates entering the workforce can pay off debt and save money.

CBSN is CBS News’ 24/7 digital streaming news service featuring live, anchored coverage available for free across all platforms. Launched in November 2014, the service is a premier destination for breaking news and original storytelling from the deep bench of CBS News correspondents and reporters. CBSN features the top stories of the day as well as deep dives into key issues facing the nation and the world. CBSN has also expanded to launch local news streaming services in major markets across the country. CBSN is currently available on CBSNews.com and the CBS News app across more than 20 platforms, as well as the Paramount+ subscription service.

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At dtr, we’ve been helping kiwis do the things they want for nearly 60 years. And our latest 0% debt consolidation offer has been so popular, we’ve extended it until June 7. So, if you’ve got debts of over $5,000 with other lenders. Like personal loans, store cards, credit cards, or car loans. We might be able to help you simplify things. And save money.
By bundling them all up into a debt consolidation loan at 0%p.a. interest for the first 6 months repayments. With no establishment fee!
That means your repayments will be spread evenly across the full term of the agreement, but you’ll only pay principal payments for the first 6 months, then principal and interest for the remaining term. So you’ll save you a bundle in interest!
With our 100% online application process, it should only take around 10 minutes to apply for an easi-cash debt consolidation loan of between $500 and $20,000. But if you’d like some help applying, just call 0800 825 008.

If you’re applying online, here’s what you’ll need:

• Valid NZ Drivers Licence or NZ Passport
• Online internet banking access
• Valid email address
• Valid mobile phone number

With 0%p.a. interest for 6 months, and no establishment fee on easi-cash debt consolidation loans, we reckon you’ll feel right at home with dtr.

Offer valid until 7 June 2021 for debt consolidation loans over $5,000. Offer only valid for qualifying customers. +Responsible lending criteria, terms and conditions apply.*Interest rate 0% p.a. for 6 months. At the end of that period, the applicable interest rate for the remaining term of your loan will be 9.95% pa – 29.95% pa variable depending on your circumstance. Repayments are spread evenly across the full term of the agreement, the first 6 months payments are principal only, then principal and interest for the remaining term. Mandatory Fees: administration fee of $8.49 a month and a PPSR fee of $8.05 apply. Security required. Optional dtr Liability Waiver (DLW) may also apply. Satisfactory evidence of household insurance may be required. Thorn Group Financial Services (trading as dtr).