April 30 is the next big deadline for student loan borrowers seeking to have their debt forgiven. Yahoo Finance Senior Columnist Rick Newman explains who this may be applicable to — particularly long-term borrowers who are still paying off loans due to their income — and the steps to apply and qualify for this benefit.
#youtube #stockmarket #
About Yahoo Finance:

Yahoo Finance provides free stock ticker data, up-to-date news, portfolio management resources, comprehensive market data, advanced tools, and more information to help you manage your financial life.

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Jessica Burbank and Amber Duke discuss mounting credit card debt amonst American GenZers. #Credit #genz

About Rising:
Rising is a weekday morning show with bipartisan hosts that breaks the mold of morning TV by taking viewers inside the halls of Washington power like never before. The show leans into the day’s political cycle with cutting edge analysis from DC insiders who can predict what is going to happen. It also sets the day’s political agenda by breaking exclusive news with a team of scoop-driven reporters and demanding answers during interviews with the country’s most important political newsmakers.

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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
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1:05:05 Hammer Financial Score

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Is Debt Review a scam?

In this video, I will be explaining the Debt Review process in detail, sectioning it into advantages and the disadvantages thereof.

The sim is to help you make an informed decision when considering Debt Review because ignorance of what it entails is not a leg to stand should you wish to end the process prematurely.

PLEASE NOTE: I am not a financial advisor! This is a general overview of Debt Review. Should you wish to inquire about your legibility for this process or any other financial advice, kindly contact a registered financial practitioner.

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E-mail: teffoshela@gmail.com

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South African Lawyer | South African YouTuber | Legal Content | National Credit Act

#lawyer #financialfreedom #financialeducation #financialplanning

Learn about the differences between Debt Management Plans and debt consolidation loans.

Visit our website at lssfinancialcounseling.org or call 888.577.2227 to schedule a free, confidential appointment with one of our experienced, trusted financial counselors.

What to Expect From a Consumer Credit Counseling Agency
How+To+Start+A+Debt+Counseling+Company Reputable agencies provide money management advice, help you prepare a budget and offer free educational workshops and resources. Good counselors are certified and provide money and debt management specialists for you to use. The initial counseling session can last at least an hour with follow-up sessions scheduled if necessary. The counselor discusses your financial situation and develops a personalized plan. Depending on the amount of your debt the counselor might recommend a debt management plan where you make monthly payments to the agency and they pay your creditors. The counselor will negotiate late fees, lower interest rates, and term extensions with your creditors.

Do not sign up with an agency that claims their services are a bankruptcy alternative.

These agencies also claim that their services do not impact your credit. They may tell you to stop paying your creditors and to send that money to the agency. There is no guarantee that creditors will accept a partial payment. And, late fees and interest accrue on unpaid balances. Usually, these types of agencies will charge exorbitant fees with little going towards your debt.

How to Select a Consumer Credit Counseling Agency
Consider it a red flag if a credit counseling agency does not send free information about the organization prior to requesting details about your situation. Check the Better Business Bureau, the local consumer protection agency, and with the National Foundation for Credit Counseling about the legitimacy of a list of potential counseling agencies. These organizations can identify any that have had consumer complaints. However, not having a complaint is no guarantee that they are legitimate.

As a follow-up resource, contact the United States Trustee Program for a list of approved credit counseling agencies that can provide pre-bankruptcy counseling.

Once you have narrowed your list, prepare a list of questions to ask such as:

What are your services? You want an organization that has a range of services such as budget counseling and debt management classes. Steer clear of agencies that have a debt management plan (DMP) as the only option. They should provide other counseling services as well.
Do you provide free information? Organizations should not charge for educational materials or information about the agency.
Do you charge fees? Get specific pricing for set-up or monthly fees, if applicable.

How can you help me avoid future debt problems? You want a plan for managing debt, not a quick scheme to get rid of debt obligations.
Is this agency licensed to provide financial management services in the state? Are your counselors certified and trained by a non-affiliated party?
Is a Consumer Credit Counseling Agency Suitable for Your Situation?
Speaking with consumer credit counseling agencies is just the beginning. Now, you have to determine whether the services are suitable for your situation, or if you can accomplish more on your own. In essence, credit counseling does not do anything that you cannot do; they simply provide guidance for the best approach to managing your debt. You can contact creditors and negotiate the payment terms of your account. Anybody can do this on their own, but sometimes people need a little extra help staying on track.

Another consideration is whether or not you can become disciplined in spending and creating financial obligations without the credit counseling assistance. These counselors can coach you into staying on target with your financial goals. The reason you are considering these services is because you have fallen off a sound financial path. Utilizing the help of a credit counseling agency could help you gain financial stability.

If you decide to use credit counseling services, read the contract agreement before you sign. The contract should disclose fee or contribution amounts; a description of services; an estimated payoff schedule; termination provisions; and, the dispute resolution process.

The desire for financial freedom is something many people share. If you decide to work with a consumer credit counseling agency, make sure their goals match yours and you are not tied to a scam that can put you into a bigger financial hole.

The debt bubble crisis is upon us. Rising delinquencies and skyrocketing household debt could be signs we are heading toward another Great Financial Crisis like in 2008. Let’s talk about it….

Lynette Zang is an economist that has been involved in the markets at some level since 1964, as a student, banker, stockbroker and precious metals and currency analyst. She has been studying currency lifecycles since 1987 and discovered similar social, economic, and financial patterns that occur throughout the stages of a currency’s lifetime. She believes that recognizing these patterns enables people to see what’s coming and make well-informed choices that put their best interest first.

Together, Lynette, her team of experts and special guests share how to best prepare for economic uncertainty. Focus will be in the areas of Lynette’s mantra and how to be equipped in the key areas of Food, Water, Energy, Security, Wealth Preservation, Barterability, Shelter and last, but certainly not least, Community.

This channel is dedicated to supporting sound money globally and building a community that connects us worldwide. Subscribe and keep watching and you too shall have the knowledge needed to make educated choices and thrive through whatever the future holds.

Debt Options Calculator: https://tryascend.com/qualify/calculator/quick/ytcreditcounsel
Schedule free chat with me (Ben): https://calendly.com/ben-tejes-ascend/free-chat

Credit counseling has its pros and cons, but there’s one thing that many people may not know about a debt management plan. At Ascend, we are dedicated to making debt freedom cheaper, easier, and faster.

Here’s what we will cover in this Credit Counseling video:

Chapters:
0:00 Intro
1:10 One Essential Thing to Understand Before Signing Up
2:25 How Credit Counseling ACTUALLY Works
3:40 3 Questions to Ask Credit Counseling Company
4:30 Should You Sign Up for Credit Counseling?
4:50 Conclusion

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