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Debt Consolidation Companies Near Me – The Truth About Debt CONsolidation


Debt Consolidation Companies Near Me – Whats The Best?

The Truth About Debt CONsolidation
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  1. Bruce Sharp
    July 24, 2021 at 8:09 am

    As a firmer debt collector I hated working with debt companies. They always offered low ball settlement offers and they don’t reach out to us we have to reach out to them. And they can not stop garnishment

  2. Dusty Safrit
    July 24, 2021 at 8:09 am

    Fml I literally just found out I’m on the loosing end of this bc I sat back letting my other half make the financial decisions signing up for one of these over a year ago…🤯🔫🤬 talking about screwing the pooch!!!

  3. HarryLopez82
    July 24, 2021 at 8:09 am

    What if your income dosen't cover all the payments and just roll in to one

  4. Pure O Mentality
    July 24, 2021 at 8:09 am

    I almost got talked into this. I didn't like that I had to default accounts before settling.

  5. SEph
    July 24, 2021 at 8:09 am

    Is it honest to pay less than the full amount owed,, according to Dave? Please answer.

  6. MiketheYung God
    July 24, 2021 at 8:09 am

    I have my own consolation company. I pay off the customers high interest CCs right away. Usually around 25% interest. I then charge the customer 8-10%. Everyone wins! I get 8-10% return and the customer saves 15% in interest.

  7. Skarz9338
    July 24, 2021 at 8:09 am

    Can you really take financial advise from a guy who’s filed bankruptcy?

  8. Josh Grabenstein
    July 24, 2021 at 8:09 am

    Those are crucial headsets. Are they directing finance or space command?

  9. Grant V
    July 24, 2021 at 8:09 am

    Debt settlement will work if you feel you aren’t able to negotiate them yourself or don’t have the time. It hurts your credit rating for a while and they take a lot in fees and get paid first so that part really sucks. They will do the work for you but you pay for it. So it’s not a scam. They do what they tell you and help you get in the mindset that things will be paid off and you will see progress but it’s an expensive route. You’re way smarter negotiating and getting something in writing than relying on them because you can do the same thing but you may not get as good of settlement if you aren’t skilled at it and know the ins and outs of who will do what. Then you get a 10-99 in the mail after it’s settled saying pay taxes on the amount you saved so a 40% settlement offer means the debt collectors only getting that. The settlement company might be getting 20% or more of the original debt and then you might have to pay back 10-15% in taxes unless youre insolvent which you may be at first but as you go through the program you won’t be. 40% settlement sounds great. The dirty secret is you end up paying back 75% it just goes 3 different ways and it’s a lot messier.

  10. Amanda Schwartz
    July 24, 2021 at 8:09 am

    Just posted the link to this in a debt consolidation ad.

  11. Gerald Footman
    July 24, 2021 at 8:09 am

    Thank you needed to hear this one

  12. robin sutton
    July 24, 2021 at 8:09 am

    thanks so much for this video! Ted helped me at no extra cost. Here's my referral as promised

    mx076 on wickr or telegram

  13. Arnold Robertson
    July 24, 2021 at 8:09 am

    I feel so lucky for coming across this. I was in severe bankruptcy and glued to crushing student loan debt which I still battle in my mid 40’s. Thanks to Anthony +13109862321, I am no longer in bankruptcy and all negative remarks have been erased and to top it off they assisted me with my student loans, which I no longer have! I can now move forward in my life and be free of financial hardships.

  14. Roc Stone
    July 24, 2021 at 8:09 am

    with all that money can dave get a hidden mic instead of those headsets??? I'm pretty sure he can afford it LOL

  15. Tina Hayes
    July 24, 2021 at 8:09 am

    My parents did a debt consolidation I think it was about 23 months in they started getting all sorts of notices from everybody they were taking their money and not paying any thing to the credit card companies!! Pure scam!!!!!

  16. John Ward
    July 24, 2021 at 8:09 am

    I'm a simple man, I have a debt…I pay it.

  17. Christian Christiansen
    July 24, 2021 at 8:09 am

    US military refers to this as DEBTCON 1

  18. DT
    July 24, 2021 at 8:09 am

    This isn’t totally true, I had multiple debts and consolidated them myself by getting a single bank loan and paying them all off, giving me one single monthly payment rather than 5 or 6 over a period of a month. Not only did this help me save on interest it also helped me MASSIVELY with my organisation and budgeting, then I managed to save up enough to pay off my personal loan early and save even more interest. If you do it correctly it’s hugely a beneficial methods of settling debt.

  19. Kabloosh
    July 24, 2021 at 8:09 am

    I did debt consolidating myself. I was bad with credit cards and had so many racked up. So I took out a personal loan which was a third of the size of the interest rate of my credit cards. This allowed me to dump all my credit cards into one loan which I ended up paying off in half the time.
    That kind of requires to have credit in the first place to do this. Another strategy of course is to find a credit card with a zero balance transfer fee and have 0% interest rate for 12 or 18 months or however long that credit card has that initial offer.
    This really requires some discipline to accomplish and to not rack up your credit cards after you transferred or used a loan to pay off that money. It helps me quite a bit in getting out of debt and not forking over so much money to interest as well.

  20. David Georgia: Personal Finance
    July 24, 2021 at 8:09 am

    The best way to clear your debt is to do it yourself. Don't rely on other people to do it.

  21. Kris Smith
    July 24, 2021 at 8:09 am

    I just signed up for this same thing 2 weeks ago… Thank God I canceled in time …

  22. Daniel
    July 24, 2021 at 8:09 am

    Hello Dave. After following most of you YouTube, I finally managed to settled all my credit cards balance of almost 40k in less than 6 months and student loan. I am looking at the option of selling my house and settle a personal loan in 4 month's time. Will be debt free soon. Yahoooo.

  23. Bibi Pin
    July 24, 2021 at 8:09 am

    If I call each bank and I agree to do debt consolidation/agreement, does this debt consolidation hurt my credit score? My credit score is good. Any advice is really appreciate it.

  24. Janine McCaskill
    July 24, 2021 at 8:09 am

    National Debt Relief was a complete waste of time for me, I was paying them on time, the credit card company still proceeded to take me to court after NDR assured me that they were going to apply my payments to them to my credit card companies. I left them, got a partial refund.

  25. ф和 palamorchuck
    July 24, 2021 at 8:09 am

    con solid poops?

  26. Lynn Ly
    July 24, 2021 at 8:09 am

    Getting a personal loan for a single digit % to pay off credit card loans is way better and faster.

  27. Hoppy Beer Drinker
    July 24, 2021 at 8:09 am

    You could borrow the beans and rice from your brother , since he asked you to call Dave. Good luck

  28. theonlyone522 -
    July 24, 2021 at 8:09 am

    National debt relief worked fine with me. Paid off debt for 5 cents a dollar.

  29. S L
    July 24, 2021 at 8:09 am

    WOW! They get you coming and going!

  30. Emelia Herrera
    July 24, 2021 at 8:09 am

    I almost fell for it about 1-2 years ago but as soon as they said what exactly they're going to do I said nope! And they told me my credit wouldn't be affected😂😂 yeah right! This was before finding out about Dave Ramsey. We're almost debt free though!

  31. Dr Tune
    July 24, 2021 at 8:09 am

    My dad once saw an ad that said "Now you can borrow enough to get yourself completely out of debt!"

  32. Robert De Pesci
    July 24, 2021 at 8:09 am

    Why arent there laws that protect people in debt consolidation programs?

  33. Adam Venus
    July 24, 2021 at 8:09 am

    Totally irrelevant, but well meant thing I’ve just noticed: Rachel is left-handed! Dave’s always saying not to do what the majority do and there’s another example of it!

  34. scorpiomaj27
    July 24, 2021 at 8:09 am

    Many years ago I went with a company that would pay out my debts for me, they were a non profit and they'd charge you a voluntary fee of $30 a month to manage it for you. After a couple months I called them and dropped it to $5 a month – it worked very well for me, because they kept the credit card companies at bay and things like that. Seems like many of these are not legit, but it worked for me at an irresponsible time in my life.

  35. TeKnoVKNG23
    July 24, 2021 at 8:09 am

    From someone who has been in a similar situation before finding Dave, you're much better off calling the credit card companies or collectors yourself and negotiating with them. They would rather get some money than nothing at all so just be strong and clear about how much you can pay and always start low. They sell your debt for pennies on the dollar so the collectors have a pretty wide margin for settlements they will accept. As someone that also used to work in collections, the success rate on collecting is pretty low so often times they will take what they can get from you. Just make sure they give you a letter saying you've settled your account WITHOUT PREJUDICE, this way they can't come after you later and if they do get scummy and try to collect again you have proof that will stand up in court.

  36. Saul Goodman
    July 24, 2021 at 8:09 am

    Not all of them are scams.
    If if this guy paid them less them $15,000, and 5 accounts were settled in all for $15k. Then it's not a scam.

  37. Saul Goodman
    July 24, 2021 at 8:09 am

    Jake, what are you wearing?

  38. newton raymond
    July 24, 2021 at 8:09 am

    Was that Jake from State farm?

  39. cvillefarmer
    July 24, 2021 at 8:09 am

    Are the debt "consolidation" companies the new pay day lenders? In terms of taking advantage of broke people?

  40. rayn1ful
    July 24, 2021 at 8:09 am

    how come we here so much about USA and so little about Canada ?