Should you do debt relief: https://bit.ly/3ZoMOXT
3 Debt Consolidation loan companies we like: https://bit.ly/3ZN5VKW
2 Debt Settlement companies we like: https://bit.ly/3EZYCaQ
Lawsuit likelihood Calculator: https://bit.ly/3JkF1Vy

What are the differences between Debt Consolidation and Debt Settlement? Which one would be a better fit? What are the pros and cons? Hopefully this video was helpful in informing you about the differences between Debt Consolidation and Debt Settlement. Let us know if you have any questions in the comments below!

Chapters:
0:00 Intro
0:30 Companies we’ve vetted Consolidation Loans and Debt Settlement
0:56 Overview
1:16 Pros and Cons of Debt Consolidation Loans
2:27 Pros of Debt Settlement
5:02 Cons of Debt Settlement
8:08 What should you do?
8:25 Should you do debt relief calculator

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At Ascend, we are dedicated to making debt freedom cheaper, easier, and faster.

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Here are the debt couselling or debt review advantages and disadvantages listed. This will help you determine if debt review is for you?

Lets talk about the pros & cons of non profit credit counselling

? Student Loan Consolidation / Refinancing – https://www.thesimpledollar.com/loans/student/student-loan-consolidation-and-refinancing-guide/?utm_source=youtube&utm_medium=video&utm_campaign=loans&utm_content=UOYoQrwdRx8

? Best Student Loans – https://www.thesimpledollar.com/loans/student/best-student-loans/?utm_source=youtube&utm_medium=video&utm_campaign=loans&utm_content=UOYoQrwdRx8

The Pros (and Cons) of Student Loan Consolidation. This video is all about consolidating and refinancing student loans. Kamilah explains the main pros/cons of student loan consolidation, including when it comes to debt from private lenders and the government. We are not saying that you should consolidate or refinance your student loans, but it might be something to look into. In some cases you can save money and start paying just one company rather than multiple. Different companies like Credible and Discover offer specific products for student loan consolidation.

Video Host – Kamilah of Focused Spender:
https://www.youtube.com/user/FocusedSpender

? RELATED CONTENT ?
How to Pay Off Student Loans Fast:
https://www.thesimpledollar.com/loans/student/15-ways-to-deal-with-student-loan-debt/?utm_source=youtube&utm_medium=video&utm_campaign=loans&utm_content=UOYoQrwdRx8

Take These Steps to Deal With Massive Student Loan Debt:
https://www.thesimpledollar.com/loans/student/steps-to-deal-with-massive-student-loan-debt/?utm_source=youtube&utm_medium=video&utm_campaign=loans&utm_content=UOYoQrwdRx8

Student Loan Refinance Guide:
https://www.thesimpledollar.com/loans/student/student-loan-refinance-guide/?utm_source=youtube&utm_medium=video&utm_campaign=loans&utm_content=UOYoQrwdRx8

Balancing Act: Pay Off Student Loans or Save More?
https://www.thesimpledollar.com/loans/student/balancing-act-pay-down-student-loans-or-save-more/?utm_source=youtube&utm_medium=video&utm_campaign=loans&utm_content=UOYoQrwdRx8

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So, what are the pros and cons of debt relief, or debt settlement?

Let’s start with the pros. Settling your debts through a debt relief, or debt settlement company could resolve your debts in a shorter amount of time.

When you enroll into a debt relief or debt settlement company, they negotiate down your debts on your behalf with your creditors, so that way you can settle your debts for less.

Nothing happens overnight, however, in a few short years, or even months, you may be able to have your debts resolved and paid off for good.

Settling your debts may be a better option than filing bankruptcy, depending on where you’re at financially.

Everyone’s financial situation is different, so that would be something that you would have to talk with a debt expert about to make sure that debt relief or debt settlement is the right option for you.

In a debt relief or debt settlement program, you typically have one lower monthly payment that you can afford to pay, and throughout the program, when you resolve your debts, you’re settling your debts typically for less.

Okay, so here are the cons. Debt settlement could negatively impact your credit, however, if you have a high debt-to-income ratio, that may already be keeping you from getting a loan, even if you have a good credit score. You may be charged a fee if your debts are settled.

A debt relief company is not able to charge you an up-front fee. However, if your debts are settled and you’re using their negotiators and their program, then you may be charged a fee for settling your debts.

Debt settlement and debt relief companies should not charge you a fee until they have reached a settlement agreement that you have agreed to. However, they are still a business and you’re using their top negotiators to settle down your debts with your creditors for less.

Although, you can settle your debts on your own without a fee, going with the right debt relief or debt settlement company that can get you results, may be worth it.

If you’re in financial hardship, debt relief or debt settlement may be a good option for you because you can settle your debts for less and in less time. Your credit, however, may take a slight impact, but once you resolve all your debts, you can start rebuilding your credit again and start fresh.

Thank you for watching, feel free to like, comment, or share on this video below. And if you want more information about if debt relief or debt settlement is the right option for you, visit us on our website at alleviatefinancial.com.

Schedule your free debt analysis with an Alleviate Financial Solutions debt expert here -https://alleviatefinancial.com/get-started/

Find us on Facebook: https://www.facebook.com/alleviatefinancial

Read more on our blog: https://alleviatefinancial.com/blog/

#alleviatefinancialsolutions #debtrelief #debtsettlement #whartaretheprosandconsofdebtrelief

Watch or Listen to this recording of to my latest podcast to hear expert views on how debt counselling works, how to choose a good debt counsellor, plus what to do if you are already in debt review and want to get out.

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Should I Consolidate My Debt? | Debt Consolidation Pros and Cons

Ever researched how to pay off debt fast and been told to use a credit card for debt consolidation. It sounds like just more credit card debt and it is! But if you understand what is debt consolidation and how debt consolidation works, you can easily get debt free. No more student loans or credit card loans – just a soon-to-be debt free life. We’re breaking down the pros and cons of debt consolidation and how to use it effectively to pay off debt and save money!

You’re ready to stop the paycheck-to-paycheck cycle and constant scramble to make more money, but it’s seems like you can never get ahead! Have you ever considered that it’s because no ever told you where to focus your financial energy? Get crystal clear on what to do FIRST by joining the Dreamers Financial Sanctuary community and snagging your free guide today! https://www.tianabclewis.com/sanctuary

Get more tips and strategies on getting out or debt. I have just what you need right here: https://www.tianabclewis.com/pay-off-debt

#debtconsolidation #shouldiconsolidatemydebt #tianabclewis

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COMMUNITY: Looking for a safe place to have real conversations about money and how to leverage it better? Dreamers’ Financial Sanctuary is that safe haven you’ve been looking for: where you can talk money and finance in an encouraging and inspiring space that is designed to help you reach the next level. JOIN US AT https://www.tianabclewis.com/sanctuary

BOOK: Ready to stop suffering under the weight of debt or living trapped in the paycheck to paycheck cycle with no hope of making your dreams come true? In “That Tool Called Money”, Tiana equips families with a step-by-step plan to discover and create the lifestyle that they have only dreamed about. Grab your copy at https://www.tianabclewis.com/book

COACHING: You may know what you need to work on or you might have your financial goals, but you still need help getting there. Let’s hop on a video chat and talk through what’s getting in your way and how to knock it out of your way! Best part is… the first session is on me! Grab your Rapid Strategy Consult today at https://www.tianabclewis.com/bookonline

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Debt consolidation home loans: how Aussies are paying less interest & saving // If you’re juggling multiple debts, one way to simplify your finances is to bring all your loans together to make one monthly repayment. Consolidating debt into your home loan can not only make managing your finances easier, if you structure your repayments in the right way, can also help you save money in the long run.

0:45 What are debt consolidation home loans?
1:20 What are the benefits of consolidating debt?
2:07 What should you watch out for?
3:17 How to get approved for a debt consolidation loan
3:35 Can you consolidate debt if you have bad credit?

Choose a time to speak to an expert to discuss your situation and help find a consolidation option that will fit your specific needs: https://www.lendi.com.au/lp/book-appointment/

Join our Facebook group ‘Home Loan Hacks Australia’ to ask any questions about home loans:
https://www.facebook.com/groups/home.loan.hacks.au/

For more information on important home loan topics, check out these videos below:

Impact of credit scores on home loans :
https://www.youtube.com/watch?v=1Lo5Vo6b2cs
How to refinance your home loan:
https://www.youtube.com/watch?v=Vvuz9RJdgtk

Say hi on social:
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Watch this video again: https://youtu.be/h3bJYjRpTM4

Using credit counseling to consolidate your bills into one lower monthly payment may be a great way to manage falling behind on finances for some, but others may not qualify or have a steady income to support the payment. Who is CCCS the perfect fit for?

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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.