On this video, we explain the consequences of Reckless credit/lending and its implications for the credit providers. I also highlight the importance of keep a hands on your profile by monitoring your payment progress with your Debt counsellor.
I also explain the importance of choosing the right Debt counsellor (DC), as some Debt counsellors tend to prey or take advantage of ill-informed and vulnerable consumers, which is one of the reasons you need to SUBSCRIBE to my channel so that you do not fall prey to such individuals. I cannot stress enough the importance of staying informed.

Send me your comments and questions if you have any, and I will get back to you soonest.
Thank you for watching.
Sellina

I’m Aja Dang and here are the 7 things I wish I knew about paying off debt while I was paying off my credit card, car and student loan debts. Just remember, you are so brave for wanting to tackle your debt. I feel like now there is this huge momentum for people in our generation to want to get out of debt – we are stick of feeling broke and tired of watching our paychecks go to someone else. No more! This is an exhausting journey but hopefully these 7 things will remind you that you are not alone in your experience. Here are the lessons I learned about paying off debt.

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This is PART 1 of our informative video series on things you need to know about Debt Counselling or Debt Review as a relief measure to curb the scourge of over-indebtedness. In this video we define the terms “Over-indebted” and “Reckless credit or Reckless lending”.

Remember to watch our upcoming video series on Debt Counselling/Review to stay informed on how the process works as well as some of its pros and cons. We would like to hear from you.

Cheers!

A debt settlement company won’t tell you these 5 critical things, and with good reason. You would not need to hire them, or would be better prepared to compare companies and alternatives if you were aware of these important facts about how they generally operate.

READ THE ARTICLE THAT INSPIRED THIS VIDEO: http://consumerrecoverynetwork.com/debt-settlement-companies-5-things-you-will-not-hear

SHARE THIS VIDEO: https://youtu.be/8a7sU0eH13k
WATCH MORE RELATED VIDEOS: https://goo.gl/efd1Eq

For a list of of best practices for negotiation companies and additional information about how to settle credit card debt yourself see: http://consumerrecoverynetwork.com/debt-settlement-company-review-best-practices/

????????????????????????????????????????????????
For more tips on how to get out of debt,
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(reader questions for our channel are selected from here)

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.

In this video, I share 6 things I gave up to get out of debt. DISCLAIMER: I am NOT debt free yet. This video shares the choices I’ve made to stay focused on getting out of debt. These are things I don’t buy to save money and get rid of debt.

SIGN UP for Dave Ramsey’s Financial Peace University: https://www.daveramsey.com/fpu/?snid=…

DOWNLOAD reflection questions, budget forms, and budget with me next month. Sign Up HERE: http://eepurl.com/dgP7Lb

DOWNLOAD the Every Dollar Software: https://www.everydollar.com/

If you have any questions or requests please leave them in the comment section. I hope you all enjoyed this talk through budget report card. Please Subscribe and Like!!

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WATCH MY FINANCIAL PEACE JOURNEY FROM THE BEGINNING

How I Fell Back into $208,453.27 Debt (Part 1) // https://youtu.be/XSgBkYc7egw

How I Fell Back into $208,453.27 Debt (Part 2) // https://youtu.be/T5i8XOg9oz8

My First Budget OCT. 2017// https://youtu.be/6j17gNRXtxo

My 2018 Financial Goals // https://youtu.be/kYzxM1DroKw

My Debt Snowball Update – March 2018 // https://youtu.be/FBA0uLCca_I

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Disclaimer: Honesty is awesome, so I share numbers and dollars in this post. I trust you’ll honor my honesty. Just so we’re clear, everything filmed here is based on my personal experiences + opinions. Not everything I say here will work for you, but I have faith that you’ll take the information presented and apply some of it to your own finances in a new and creative way.

Get Credit Counseling Here – http://creditcounseling.debtconsolidation.com

What Is Credit Counseling?

Are you struggling financially and trying to dig out from a mountain of debt? Credit counseling could be just the solution you’re looking for.
Credit counselors work with consumers to educate them about money and debt, and help them develop household budgets a plan to eliminate debt. Credit counseling can offer financial guidance or negotiate with creditors to resolve unsustainable debt. However, counselors cannot offer legal advice. All meetings between a credit counselor and clients are considered confidential.

Accreditation Groups

Credit Counseling agencies typically belong to an accreditation group, such as the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies. These groups develop standards, provide accountability for its member agencies and set suggest fee schedules. The National Foundation for Credit Counseling suggests fees should be no more than $50 for a set-up and $25 monthly thereafter. Members of the Association of Independent Consumer Credit Counseling Agencies must agree to cap the initial charge at $75 and the monthly maintenance fees at $50.

The Credit Counseling Plan

When you meet with a credit counselor, having an honest discussion of your finances is paramount. You must be prepared to disclose all aspects of your financial life so the counselor will have a clear and complete financial picture of your income, household expenses, existing debt and spending habits. Copies of financial statements – including the debt accounts — will be needed.
The credit counselor helps develop a unique plan that might include a debt management plan, improved budgeting, bankruptcy, or a combination of these. Financial management and educational tools are provided, as well as materials to help clients develop savings and retirement plans.

Finding A Credit Counselor

Finding a credit counselor in your area has never been easier. Start by making a list of member agencies of the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies. Next, contact either your state attorney general local consumer protection office to find out whether there have been any complaints filed. You can find information on your state’s regulations by visiting the state pages on our site.

Most agencies will offer an initial meeting at no charge. This meeting usually lasts about one hour, and gives you the opportunity to find out if the agency will be a good fit.

About Nonprofit Agencies

Many credit counseling agencies are nonprofit and typically derive their funding from fees paid by clients, grants from the credit/lending industry and a percentage of the payments made by debtors. Up to 15 percent of what is collected can be returned to the agency. Under IRS guidelines, a non-profit credit counseling agency can only collect up to 50 percent of its revenue from these payments.

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