Podcasts about Credit counseling

Learn how to use AI to boost your career and finances—plus, what to do when debt consolidation tanks your credit score. How can you use AI to stay competitive in your career and manage your money better? What should you do when debt consolidation tanks your credit score? Hosts Sean Pyles and Elizabeth Ayoola discuss the rapid rise of generative AI and how it's reshaping both the workplace and personal finance tools. Senior news writer Anna Helhoski joins the show to share her conversation with Maria Curi, technology policy reporter for Axios, which explores how generative AI is reshaping white-collar jobs, the skills you'll need to stay competitive, and why you should be cautious about sharing personal financial data with AI tools. They cover how to use thoughtful AI prompting for budgeting, researching financial topics, and automating everyday tasks. Then, personal finance Nerd Amanda Barroso joins Sean and Elizabeth to answer a listener's question about how to recover from a steep credit score drop after working with a debt consolidation company. They dive into the differences between debt settlement and credit counseling, walk through ways to rebuild your credit score, and share strategies to avoid falling back into debt. They also explain how to check your credit reports for red flags, make the most of credit utilization thresholds, and evaluate whether to stick with or switch from a debt relief company. In their conversation, the Nerds discuss: how to rebuild credit after debt consolidation, AI and personal finance, using AI for budgeting, credit score dropped after debt consolidation, debt settlement vs debt consolidation, credit counseling vs debt consolidation, how to use AI in your job, credit utilization and credit score, generative AI tools for finance, credit monitoring tips, how to check your credit reports, how to avoid debt settlement scams, credit score recovery strategies, prompt engineering for AI tools, AI hallucinations explained, privacy risks of AI financial tools, best ways to use ChatGPT for money help, AI in white collar jobs, AI in blue collar work, how AI is changing the workplace, National Foundation for Credit Counseling, credit mix and credit score, 0% interest balance transfer cards, how to get out of debt without ruining credit, Consumer Financial Protection Bureau debt settlement warnings, risks of debt consolidation companies, and how to diversify your credit. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Credit card debt has been rising at one of the fastest rates in history. The amount Americans owed on credit cards hit an record high of over $1.2 trillion at the end of 2024. And people are not only spending more on plastic, they're also paying down less, carrying high balances and shelling out more in interest and also late fees. A third of Americans now have more credit card debt than emergency savings, according to an annual survey from Bankrate. MPR News host Angela Davis talks about why credit card debt is growing and strategies for tackling it. Guests: Chris Farrell is a senior economics contributor for MPR News and Marketplace. His new 12-part series for Marketplace, “Buy Now, Pay Later,” focuses on the worrisome trend of older Americans carrying debt into retirement. Joanne Lundberg is the financial counseling supervisor at LSS Financial Counseling, a service of Lutheran Social Service of Minnesota. She is based in Duluth. Resources mentioned during the show: The National Foundation for Credit Counseling provides advice on how to avoid and handle credit card debt and manage your credit score. It also provides referrals to nonprofit organizations that can work with people individually on reducing credit card debt. The nonprofit organization LSS Financial Counseling runs a debt management program.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hey friend!   Are you facing some kind of financial burden? Are you overwhelmed with your current financial picture? Is the stress of your finances affecting you or your loved ones?   In today's episode, I am talking about some ways you can recognize if your finances are causing physical harm to you or your family members. And, I am going over some strategies to help you reduce the stress you feel and lessen the impact to your kids. Here are a couple resources I mention in the episode: Suicide Crisis Hotline (free 24 hours a day): dial 988 National Foundation for Credit Counseling: nfcc.org   Blessings to your family, Mandy Thank you for helping this show rank in the top 2% globally! I appreciate you so much!

Unfortunately, companies like National Debt Relief are spending a ton of money getting in front of people that carry debt to manipulate and deceive you into believing their debt settlement program is the relief you have been seeking. They are the last resort- please don't work with a debt settlement if you can try other options first. Your credit coach explains 3 other options to try prior to debt settlement, including Credit Counseling agencies. Check out National Foundation for Credit Counseling first: https://www.nfcc.org/ Questions@CreditKristi.com and please give me a review!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2961: Jackie Beck outlines the essentials of a debt management plan (DMP) as a structured, non-profit-led approach to paying off unsecured debts like credit cards or small medical bills. She highlights its pros, cons, and alternatives, providing actionable steps to determine if a DMP suits your financial needs and encouraging accountability to make the debt repayment journey smoother. Read along with the original article(s) here: https://www.jackiebeck.com/what-is-a-debt-management-plan/ Quotes to ponder: "Working with a non-profit to use a debt management plan lets you make one monthly payment for your consumer debts." "It may cut interest and fees, but you may have to pay a monthly fee to take part." "No matter what you decide, you'll need to make changes in your financial life to help make sure things go well in the future." Episode references: CESI Debt Solutions: https://www.cesisolutions.org Consumer Credit Counseling Service (CCCS): https://www.credit.org National Foundation for Credit Counseling: https://www.nfcc.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2961: Jackie Beck outlines the essentials of a debt management plan (DMP) as a structured, non-profit-led approach to paying off unsecured debts like credit cards or small medical bills. She highlights its pros, cons, and alternatives, providing actionable steps to determine if a DMP suits your financial needs and encouraging accountability to make the debt repayment journey smoother. Read along with the original article(s) here: https://www.jackiebeck.com/what-is-a-debt-management-plan/ Quotes to ponder: "Working with a non-profit to use a debt management plan lets you make one monthly payment for your consumer debts." "It may cut interest and fees, but you may have to pay a monthly fee to take part." "No matter what you decide, you'll need to make changes in your financial life to help make sure things go well in the future." Episode references: CESI Debt Solutions: https://www.cesisolutions.org Consumer Credit Counseling Service (CCCS): https://www.credit.org National Foundation for Credit Counseling: https://www.nfcc.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2961: Jackie Beck outlines the essentials of a debt management plan (DMP) as a structured, non-profit-led approach to paying off unsecured debts like credit cards or small medical bills. She highlights its pros, cons, and alternatives, providing actionable steps to determine if a DMP suits your financial needs and encouraging accountability to make the debt repayment journey smoother. Read along with the original article(s) here: https://www.jackiebeck.com/what-is-a-debt-management-plan/ Quotes to ponder: "Working with a non-profit to use a debt management plan lets you make one monthly payment for your consumer debts." "It may cut interest and fees, but you may have to pay a monthly fee to take part." "No matter what you decide, you'll need to make changes in your financial life to help make sure things go well in the future." Episode references: CESI Debt Solutions: https://www.cesisolutions.org Consumer Credit Counseling Service (CCCS): https://www.credit.org National Foundation for Credit Counseling: https://www.nfcc.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Collaboration with faith-based organizations is one of the most underutilized ways that housing professionals can build their business in the communities they serve. In this episode, Hermond Palmer, Senior Vice President of Outreach and Inclusion at the National Foundation for Credit Counseling shares how lenders can support faith-based organizations and convert those relationships into repeat business.

Living with MS is expensive. A recent study funded by the National MS Society found the average cost of living with MS in the United States is $88,487 a year.  Even with insurance, that can turn out to be a heavy lift. One thing you don't need is to be worrying about money while you're already worrying about MS. So, when I think about discussing budgeting and managing your personal finances when you're living with MS, I think we're really talking about preserving your quality of life. Joining me with strategies for budgeting and managing debt when you're living with MS is the Senior Vice President of Membership and Media Relations at the National Foundation for Credit Counseling, Bruce McClary. We'll also tell you about the updated Pathways to Cures Research Roadmap and the first ever global landscape analysis of MS research funding. We're sharing very encouraging results from the Phase 2 open-label extension study of Fenebrutinib, an experimental BTK inhibitor. We'll give you the details of a pilot study that demonstrated what may be a successful treatment for sexual dysfunction among men and women living with MS. We'll tell you why middle-aged people with MS may want to consider resistance training. And we'll tell you how to register for the National MS Society's Voting Without Barriers webinar.  We have a lot to talk about! Are you ready for RealTalk MS??! This Week: Budgeting for Living with MS  :22 The Pathways to Cures Research Roadmap has been updated and refined  1:25 There's very encouraging news from the Phase 2 open-lable extension study of Fenebrutinib    5;31 Results from a pilot study point to successful treatment for sexual dysfunction among men and women living with MS  6:35 Study results show that resistance training is beneficial for middle-aged people with MS  9:52 We're 8 weeks away from election day in the U.S. and the National MS Society is hosting a webinar about access to polling places  11:36 Senior Vice President of Membership and Media Relations at the National Foundation for Credit Counseling, Bruce McClary, shares tips and strategies for taming your household budget and budgeting for living with MS  15:49 Share this episode  33:16 Have you downloaded the free RealTalk MS app?  33:36 SHARE THIS EPISODE OF REALTALK MS Just copy this link & paste it into your text or email: https://realtalkms.com/367 ADD YOUR VOICE TO THE CONVERSATION I've always thought about the RealTalk MS podcast as a conversation. And this is your opportunity to join the conversation by sharing your feedback, questions, and suggestions for topics that we can discuss in future podcast episodes. Please shoot me an email or call the RealTalk MS Listener Hotline and share your thoughts! Email: jon@realtalkms.com Phone: (310) 526-2283 And don't forget to join us in the RealTalk MS Facebook group! LINKS If your podcast app doesn't allow you to click on these links, you'll find them in the show notes in the RealTalk MS app or at www.RealTalkMS.com RealTalk MS Episode 297: From the Pathways To Cures Global Summit (Part 1) https://realtalkms.com/297 RealTalk MS Episode 298: From the Pathways to Cures Global Summit (Part 2) https://realtalkms.com/298 The Refined Pathways To Cures Research Roadmap https://journals.sagepub.com/doi/10.1177/13524585241266483 The First Global Landscape Analysis of Multiple Sclerosis Research Funding https://journals.sagepub.com/doi/full/10.1177/13524585241265961 STUDY: Tibial Nerve Stimulation in the Management of Primary Sexual Dysfunction in Patients with Multiple Sclerosis: A Pilot Randomized Control Trial https://link.springer.com/article/10.1007/s10072-024-07687-2 STUDY: Is Resistance Training an Option to Improve Functionality and Muscle Strength In Middle-Aged People with Multiple Sclerosis? A Systematic Review and Meta-Analysis https://www.mdpi.com/2077-0383/13/5/1378 REGISTER for the Voting Without Barriers Webinar https://p2a.co/Dqy1Xpk Join the RealTalk MS Facebook Group https://facebook.com/groups/realtalkms Download the RealTalk MS App for iOS Devices https://itunes.apple.com/us/app/realtalk-ms/id1436917200 Download the RealTalk MS App for Android Deviceshttps://play.google.com/store/apps/details?id=tv.wizzard.android.realtalk Give RealTalk MS a rating and review http://www.realtalkms.com/review Follow RealTalk MS on Twitter, @RealTalkMS_jon, and subscribe to our newsletter at our website, RealTalkMS.com. RealTalk MS Episode 367 Guest: Bruce McClary Privacy Policy

In Episode 155 of the Debt Matters podcast, Daniel Maksymchak Licensed Insolvency Trustee provides valuable strategies on how you can control your credit card debt:Key points and topics covered:Understanding credit card debt: Explore the psychological and financial impacts of credit card debt and why people fall into the debt trap.Debt management strategies: Gain practical tips that lower your card debt, from debt consolidation to budgeting tips to seeking professional advice from a Licensed Insolvency Trustee.Avoiding debt pitfalls: Learn the common dangers that can push you back into credit card debt, like balance transfers and low-interest offers.Building Financial Health: Practice better financial health habits such as creating an emergency fund and living within their means.If you struggle with credit card debt, Daniel's insights are essential. Listen in to take back control of your finances from high-interest credit debt: Additional ResourcesLCTaylor Licensed Insolvency TrusteeCredit Card Debt ReliefIs Your Credit Card Debt Getting the Best of You?

Learn how Gen Z is tackling their debt in the final episode of our three-part series "Gen Z & the Debt Trap." We'll talk with 20-year old Michenzie Sommerville, who shares how after struggling to keep up with her auto loan, her car was repossessed. We'll hear from Corebridge Financial on how Gen Zers are using social-media apps like TikTok to learn about financial literacy at a younger age than other generations. Also, financial experts from organizations like the National Foundation for Credit Counseling and the Financial Therapy Association explain how to manage personal debt and prevent collecting more. Tadeo Ruiz Sandoval hosts.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

If you are already under stress as a result of your financial situation, it's difficult to decide where to turn when looking for debt relief. Meeting with someone in person who has an office where you live can be helpful. Licensed Insolvency Trustee, Derek Chase explains the benefits of seeking out a local Trustee firm that you feel comfortable with. Meeting face to face can be reassuring, avoiding the pitfalls of doing business on the internet. Derek also discusses:The benefits of consulting with a Licensed Insolvency TrusteeThe strict code of ethics LIT's must followWhy Bankruptcy is the last option discussedWhen to seek helpGetting fair and honest advice from a local LITLicensed Insolvency Trustees are federally regulated and experts in debt management solutions. They follow a strict code of ethics as well as government regulations. About Derek ChaseDerek Chase is a Licensed Insolvency Trustee in British Columbia. He has been helping individuals and corporations restructure their debt since 1997. His areas of practice include personal and corporate insolvency including Consumer Proposals and Bankruptcy. The best part of his work is to be able to witness lives change for the better when the heavy burden of unmanageable debt is lifted.  Additional ResourcesChase & Associates Licensed Insolvency TrusteeCode of Ethics for Licensed Insolvency TrusteesThree Things to Know About Insolvency

Nestle is introducing a new line of meals designed for people taking weight loss drugs - such as Ozempic, how artificial intelligence can enhance your paycheck and place to visit where the US dollar is strong. 

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers.

Hold onto your hats, lovebirds, we have a juicy confession from a listener named Amelia. Here's the deal: Amelia's been with her boyfriend for a blissful two years, but their path to happily ever after seems to have hit a major detour. Brace yourselves, because Amelia's boyfriend is refusing to propose... until she pays off her debt! The Confession "Hi Stacey and J Sbu, it's Amelia. My boyfriend of two years told me that he wouldn't propose to me until I paid off my debt. I had acquired medical bills and a few credit card debts before we met. I'm R260,000 in debt as we speak. It has me thinking, is he using my debt as an excuse not to purpose." This is a situation that'll leave you saying, "Whoa, there!" Financial stability is important for marriage, but should it be the only reason to delay a proposal? Amelia's situation is a complex one so we scoured the web to find some advice to help her navigate this tricky terrain: Open Communication is Key: An honest conversation with her boyfriend is crucial. What are his specific concerns about the debt? Does he see it impacting their future lifestyle or stability? Understanding his perspective will shed light on whether it's a genuine worry or an excuse. For tips on effective communication in relationships, check out the Gottman Institute. Crafting a Debt Management Plan: Amelia's already tackling her debt, but creating a concrete plan with him can be reassuring. This could involve outlining a budget, setting realistic repayment goals, and tracking progress together. Resources like the National Foundation for Credit Counseling offer free tools and guidance on creating a budget and managing debt. Remember that communication and a shared vision for the future are vital. If Amelia feels her boyfriend is hesitant for the wrong reasons, it might be time to re-evaluate the relationship's long-term prospects

Discover the power of collaboration between workforce programs and employers in this insightful podcast episode. Learn how Consumer Credit Counseling, a nonprofit organization dedicated to helping people achieve financial independence, successfully partnered with the workforce system to create a new position and provide opportunities for a dislocated worker. Explore the benefits of this partnership, from financial assistance for the employer to personal and professional growth for the employee. Gain valuable insights into the process of working with workforce boards and the positive impact it can have on both businesses and job seekers.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers.

Damon Day and Steve Rhode explore the myths and misperceptions about the charitable non-profit credit counseling industry. We are not suggesting you should avoid credit counseling but to better understand how this works to make better decisions about what is right for you or the people you care about. --- Send in a voice message: https://podcasters.spotify.com/pod/show/get-out-of-debt-guy/message

Advice on lowering your debt load and credit card rates, plus pros and cons of filing bankruptcy. With Bruce McClary, Senior Vice President of Media Relations & Membership at the National Foundation for Credit Counseling.  

In this episode of the Texas Real Estate and Finance Podcast, host Mike Mills and credit expert Sue Buswell discuss the importance of understanding and managing credit. They delve into topics such as teaching children about financial responsibility, the differences in credit scores and how they're calculated, and the significance of credit history. They also discuss the role of credit repair companies and the upcoming changes in credit scoring models for the mortgage industry. The episode concludes with a discussion on the importance of data in the mortgage industry and the responsibility of professionals to educate borrowers on credit management.Becoming a Credit Ninja [00:02:05]Sue Buswell shares her journey of becoming a credit expert and her experience in the credit industry.Starting Credit Education Early [00:05:25]Sue Buswell and Mike Mills discuss the importance of teaching kids about credit and financial responsibility from a young age.Using Apps to Teach Financial Responsibility [00:07:32]Mike Mills talks about an app called Busy Kid that he uses to teach his children about chores, earning money, and managing their finances.Teaching kids about credit and debt [00:09:16]Discussion on the importance of teaching kids about credit and debt, and the necessary evil of debt in certain situations.Getting a credit card for young adults [00:10:41]Exploration of whether it is advisable to get a credit card for an 18-year-old and how to teach responsible credit management.Credit monitoring and credit scores [00:13:41]Explanation of credit monitoring systems, the importance of regularly checking credit reports, and the differences between credit scores used by different industries.The impact of different credit models [00:19:09]Explanation of how different credit models can result in different credit scores for the same individual.Factors that affect credit scores [00:20:14]Discussion of the factors that contribute to credit scores, including payment history, debt utilization, and length of credit history.The importance of credit history length [00:21:15]Explanation of how the length of credit history can significantly impact credit scores and the importance of establishing credit early.Teaching about credit and financial education [00:28:59]Discussion on the importance of empowering people with financial knowledge from a young age and the need for better education on credit.Generational differences in financial education [00:29:44]Exploring the lack of financial conversations and education in previous generations compared to the progress made in educating younger generations.Impact of technology on financial education [00:31:50]The role of technology in providing access to information and educating the next generation on personal finance and credit management.Timing is crucial [00:39:26]Importance of timing in credit reporting and how it can affect credit scores.Credit report dates and balances [00:39:57]The significance of credit report dates and how balances can impact credit scores.Disputes and their consequences [00:45:38]The potential negative impact of disputes on credit reports and the importance of removing them when applying for a mortgage.Legitimate dispute and credit reporting act [00:49:12]A coworker's experience with inaccurate credit reporting and the legal action they took to resolve it.National Foundation for Credit Counseling [00:50:55]Recommendation to seek assistance from the National Foundation for Credit Counseling for credit repair and financial empowerment.Changes in medical collections reporting...

Today, The Two Mikes spoke again with Gordon Oliver from the non-profit organization Cambridge Credit Counseling. Mr. Oliver said that the total of credit card debt is still above $1 trillion dollars and that interest on college loans began this month and payments for the loan will restart in November. The combination of both will be adding about $370 per month to a loan-holders payment. Mr. Oliver asked that we remind listeners that they can call Cambridge and get sound advice on how to handle debt and to work through a budget that will keep each person or family apprised of how their finances are looking, and perhaps where some monthly costs could be cut. Mr. Oliver also explained that the federal government still has plans whereby public servants at all levels and aspects of government can still get some forgiveness of their loans. The process for applying for this program sounds to be a bit convoluted, but Mr. Oliver said Cambridge is ready to help people understand the process and work through it. He also said that Cambridge has prepared webinars on this process and groups of public servants interested in using the forgiveness program can call to schedule times to view the webinars Always, credit counseling from Cambridge is free. Tel: 1 800-235-1407 Click on the Cambridge link on our www.twomikes.us page For a free consultation SponsorsTriangle Fragrance: https://trianglefragrance.com/?sca_ref=4171318.dUndUHDKz3Cambridge Credit: https://www.cambridge-credit.org/twomikes/ EMP Shield: https://www.empshield.com/?coupon=twomikesOur Gold Guy: https://www.ourgoldguy.com www.TwoMikes.us

Today, The Two Mikes spoke again with Gordon Oliver from the non-profit organization Cambridge Credit Counseling. Mr. Oliver said that the total of credit card debt is still above $1 trillion dollars and that interest on college loans began this month and payments for the loan will restart in November. The combination of both will be adding about $370 per month to a loan-holders payment. Mr. Oliver asked that we remind listeners that they can call Cambridge and get sound advice on how to handle debt and to work through a budget that will keep each person or family apprised of how their finances are looking, and perhaps where some monthly costs could be cut. Mr. Oliver also explained that the federal government still has plans whereby public servants at all levels and aspects of government can still get some forgiveness of their loans. The process for applying for this program sounds to be a bit convoluted, but Mr. Oliver said Cambridge is ready to help people understand the process and work through it. He also said that Cambridge has prepared webinars on this process and groups of public servants interested in using the forgiveness program can call to schedule times to view the webinars Always, credit counseling from Cambridge is free. Tel: 1 800-235-1407 Click on the Cambridge link on our www.twomikes.us page For a free consultation Sponsors Triangle Fragrance: https://trianglefragrance.com/?sca_ref=4171318.dUndUHDKz3 Cambridge Credit: https://www.cambridge-credit.org/twomikes/ EMP Shield: https://www.empshield.com/?coupon=twomikes Our Gold Guy: https://www.ourgoldguy.com www.TwoMikes.us

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ep: #68 Picture this: A world where your dreams of homeownership are no longer distant aspirations, where the car you've always wanted becomes an achievable reality, where unexpected financial emergencies don't send you into a spiral. This world is within reach, and it starts with understanding and improving your credit. In this episode of the Budget Divas podcast, Rhonda Alexander Monkres, the credit coach and owner of Kūpa'a Consulting Services, discusses the important topic of credit. Rhonda shares valuable insights and tips on maintaining, establishing, and improving credit scores.Rhonda introduces herself as a credit coach based in Maui, with a mission to help Hawai'i residents improve their credit scores and achieve their financial goals. She compares credit scores to adult report cards, ranging from 350 to 850, reflecting creditworthiness. Responsible credit use, keeping balances under control, making payments on time, and managing inquiries are essential practices for demonstrating creditworthiness.Rhonda emphasizes the significance of credit monitoring and explains the difference between FICO and Vantage credit scores. Monitoring credit helps detect unauthorized accounts due to identity theft, and Rhonda provides guidance on reporting and protecting against identity theft.Rhonda illustrates the substantial difference in interest rates for someone with a 500 credit score compared to someone with a 750-800 credit score when applying for loans, such as car loans and home loans. Rhonda offers actionable steps to improve credit, including maintaining low credit card balances, making timely payments, avoiding unnecessary credit inquiries, and becoming an authorized user on an account with excellent payment history.Rhonda's expertise sheds light on the crucial role of credit in financial stability and the steps individuals can take to manage their credit effectively. To learn more about Rhonda and get a free credit review, visit her website at https://kupaaconsulting.com/. You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Bruce McClary of the National Foundation for Credit Counseling, who discusses the special needs of military and the many frauds targeting other consumers. He describes how the debt relief promised may only increase the debt load, how promises to erase credit card debt may backfire and other scams that trap consumers.

Nos encontramos en una nueva era de consumo. Estamos llegando a la mítica cifra de $1 Trillón de dólares en deuda de tarjeta de crédito colectiva.En este episodio te damos siete datos que no conocías sobre las deudas y un montón de consejos que te van a cambiar la manera en que ves las deudas.

Host Shirley Rooker speaks with Bruce McClary, senior vice president of membership and communications at the National Foundation for Credit Counseling, about how to alleviate credit card debt and keep your credit rating strong. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Shirley Rooker speaks with Bruce McClary, senior vice president of membership and communications at the National Foundation for Credit Counseling, about how to alleviate credit card debt and keep your credit rating strong.

Abuse can come in many different forms in a relationship, and many times it manifests itself in the form of financial abuse. It's not something that you might immediately realize is happening, but it can have a huge emotional impact on a person.  Today's guest experienced it first-hand but is thriving now after overcoming that in her marriage. We're happy to welcome Claudia Porter, CFP® with Financial Reserve in Portland, Oregon, onto the show to tell her story. If you are going through a divorce or have been through divorce, you know how difficult it can. Wait until you hear Claudia's story about tenacity. Trigger warning: This podcast does talk about an abusive relationship.Here's some of what you'll learn on this episode:·      Her experience in an abusive relationship and specifically financial abuse.  (3:56)·      The common pitfalls that women fall into with financial abuse.  (7:03)·      How she came up with the money to retain an attorney when she didn't have any money. (11:02)·      What steps you can take right after divorce to get back on your feet financially?  (13:18)·      How can you best plan for litigation with an abusive ex from a financial perspective?  (17:11)If you or someone you know needs help, here are some great resources:Innocent Spouse Relief Form: https://www.irs.gov/individuals/innocent-spouse-relief National Foundation for Credit Counseling: https://www.nfcc.org/  Get in touch with Claudia: www.financialreserve.comJoin the Purse Strings Facebook group: https://www.facebook.com/pursestringsco/ To learn more about money and access additional episodes, visit us online: https://pursestrings.co/

Today's show will have two parts: since we're in the middle of Hanukkah and Christmas is coming soon we'll discuss “Holiday Spending Without Adding to Your Debt”. Then we'll move on to “Tips for Paying Down Holiday Debt”. Money Talks welcomes back Bruce McClary, a Senior Vice President at National Foundation for Credit Counseling. Our resident experts are also on hand for personal finance questions. https://www.nfcc.org/https://www.nfcc.org/blog/holiday-spending-without-adding-to-your-debt/https://www.nfcc.org/blog/3-tips-for-paying-down-holiday-debt/Bruce spoke with us about Pandemic Student Loans on March 9th of 2021 http://moneytalks.mpbonline.org/episodes/money-talks-pandemic-student-loans and Credit Counseling on May 12th of 2020 http://moneytalks.mpbonline.org/episodes/money-talks-credit-counselingHoliday debt is a problem for many Mississippians. Money Talks has discussed this topic two other times: June 29th of 2021 http://moneytalks.mpbonline.org/episodes/money-talks-avoiding-holiday-debt and October 8th of 2019 http://moneytalks.mpbonline.org/episodes/money-talks-holiday-debt.From a February survey by money geek dot com - More than one-quarter of Americans regret their level of holiday spending; most wished they'd spent less, but some regret not spending more.Credit cards were the payment method of choice, with 65% of holiday spending paid for with credit cards. The more credit cards someone had, the more of their spending they financed with credit.By February 11, 2022, 40% of Americans had not paid off their 2021 holiday debt.https://www.moneygeek.com/credit-cards/analysis/2022-holiday-debt/ Hosted on Acast. See acast.com/privacy for more information.

On this episode of Millennial Debt Domination, Katie discusses different aspects of a credit counseling journey. Credit counseling provides consumers with guidance on consumer credit, money management, debt management, and budgeting. If you realize your debt has accumulated more than you can handle, reaching out to a certified credit counselor will help you in the long run. Today, Katie will be joined by Don Hicks and Lisa Stecker from Navicore Solutions. Don is the Director of Counseling and Lisa is a Customer Service Generalist. The three talk about all things credit counseling including debt management plans, the customer service experience, how the program can change your life, and much more.  Follow Navicore on Social Media: Twitter: @NavicorePR Instagram: @navicoresolutions Facebook: NavicoreSolutionsPR More questions for Katie? E-mail us: olm@navicoresolutions.org About Navicore Solutions: We are a national nonprofit provider of financial education and compassionate personal finance counseling. We can help you gain control of your finances. A debt-free future is possible. Learn more about us here: http://navicoresolutions.org/ NFCC  

To deal with record inflation, many Americans are making ends meet by piling up record amounts of credit card debt. A trained credit counselor can help you pay down that debt, even if it seems insurmountable, and learn how to have a successful financial future. In this episode, you'll hear a real-life success story. Cara, who lives near Boston, was drowning in credit card debt five years ago. Today she is debt-free and has good credit. We'll also talk to Bruce McClary, a senior vice president at the National Foundation for Credit Counseling, a nonprofit dedicated to helping people deal with debt and better manage their finances. Find out how the counseling process works, and why some of the advice provided by for-profit debt relief companies can make your situation worse. Additional Resources: To find a nonprofit credit counseling agency, visit the National Foundation for Credit Counseling or call 800-388-2227.

In this episode, hear from Marcia about how she not only stopped gambling, but also made changes to how she and her partner handle money.  Almost two-years in, she tell us "It feels amazing to not be worried about money.  Having that security also helps my gambling recovery." Amanda Martin, from the Credit Counselling Society, also returns to Fold em and offers tips for taking charge of your money. Listen now and learn about: Three reasons why taking charge of your money is an important part of addressing compulsive gambling How to track where your money is going How to have more control over spending and saving How to keep going with budgeting and reach your financial goals Tools, apps and free help with money management For more information on taking charge of your money, read the blog for this episode at www.gamblingproblemhelp.ca For more information on credit counselling and to find a credit counselling service in Canada, visit this federal government website.  In the United States, visit the National Foundation for Credit Counseling.  If you live outside of these areas, search for accredited credit counselling services in your country. If you live in British Columbia and would like to access our free, confidential counselling and outreach services, connect with us online at Gambling Support BC or call 1-888-795-6111. For a list of free gambling help services in Canada, click here.  To access free help in the United States, visit the National Council on Problem Gambling website.  If you like what you hear on Fold em and haven't yet followed us on your podcast app, make sure you do.  You'll be notified when a new episode is released and help our visibility.  If you're not sure how to follow or subscribe to this podcast, read our blog for instructions.  Fold em is funded by Gambling Support BC.

Johnika Dreher lives in Upper Marlboro, Maryland, which is about 45 minutes east of Washington DC. While working with the debt relief counselors at MMI, she paid off $70,000 in debt. Johnika was recently awarded the Brighter Financial Future Award from the NFCC, or the National Foundation for Credit Counseling. On this episode, Johnika shares her story of finding guidance, getting on the right track, and celebrating success.

MAS INFORMACION https://www.consumerpr.org www.mitigatuprestamo.com

Today on the Jimmy Barrett Show: Jimmy discusses writing letters Bruce McClary of the National Foundation for Credit Counseling on credit cards Inflation for the 4th

Arianna wrote to me through my website at GetOutOfDebt.org and said she was living on disability income. She wanted to know if the nonprofit credit counseling group American Consumer Credit Counseling was a reputable company to go with to deal with her debt since she was struggling to make minimum payments only. In this podcast, I give Arianna a lot to think about and consider. She might not have to repay her creditors at all. Her situation is an interesting look at how multifaceted debt problems can be. What would you do in Arianna's situation? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/get-out-of-debt-guy/message

58% of those who are feeling stressed, depressed, and lonely attribute it to financial problems.* Whether employers realize it or not - a majority of their employees are dealing with financial stress which leads to distractions at work and decreased productivity. For business leaders who truly care about their employees and want them to be able to thrive at work while also being ready to retire on time, tune into this episode with Gordon Oliver at Cambridge Credit Counseling. You'll walk away with actionable steps you can put into place now to better support your workforce moving forward. *John Hancock. "The impact of the pandemic on stress, finances, and well-being." August 2021. Music By: Colin Cross Music

Did you know the average American can't withstand an unexpected $1,000 bill? When it comes to paying for schizophrenia, the two biggest costs are medication, followed by hospitalization. For someone who has had psychiatric hospitalization, the average annual cost of mental health treatment is around $37,000. Host Rachel Star Withers, a diagnosed schizophrenic, and cohost Gabe Howard search out options for managing the financial costs of schizophrenia in this episode of “Inside Schizophrenia.”   Greg McBride, chief financial analyst for Bankrate.com, joins us to discuss the best ways to approach unexpected expenses. Guest Bio Greg McBride is the senior vice president and chief financial analyst for Bankrate.com, the preeminent personal finance website. He leads a team responsible for researching financial products, providing analysis, and giving advice on personal finance to a vast consumer audience. With more than 25 years of experience in personal finance, he is a subject-matter expert who has the unique ability to provide both in-depth commentary and practical advice to consumers. Through Bankrate.com's Money Makeover series, he has helped consumers plan for retirement, manage debt, and develop appropriate investment allocations. McBride has appeared on hundreds of national cable and network broadcasts, including NBC's "Nightly News," CBS's "Evening News," and ABC's "World News Tonight," and has been a frequent guest on CNBC and Fox Business. McBride is routinely quoted by major media outlets such as The New York Times, Wall Street Journal, and USA Today, and is a regular guest on financial talk shows throughout the United States.  McBride currently serves on the board of Money Management International of Sugar Land, TX, the nation's largest nonprofit credit counseling agency accredited by the National Foundation for Credit Counseling, and is chairman of both the compensation committee and the investment committee. He has a distinguished record of serving on boards in the credit counseling industry. McBride has also served on the funding board of the Consumer Financial Education Fund through the Rose Foundation of Oakland, CA. McBride is a graduate of the University of Florida and has earned the designation of chartered financial analyst. Inside Schizophrenia Podcast Host Rachel Star Withers creates videos documenting her schizophrenia, ways to manage and let others like her know they are not alone and can still live an amazing life. She has written Lil Broken Star: Understanding Schizophrenia for Kids and a tool for schizophrenics, To See in the Dark: Hallucination and Delusion Journal. Fun Fact: She has wrestled alligators. To learn more about Rachel, please visit her website, RachelStarLive.com. Inside Schizophrenia Co-Host Gabe Howard is an award-winning writer and speaker who lives with bipolar disorder. He is the author of the popular book, "Mental Illness is an Asshole and other Observations," available from Amazon; signed copies are also available directly from the author. Gabe makes his home in the suburbs of Columbus, Ohio. He lives with his supportive wife, Kendall, and a Miniature Schnauzer dog that he never wanted, but now can't imagine life without. To learn more about Gabe, please visit his website, gabehoward.com.

President & CEO Kristen Holt, is leading GreenPath Financial Wellness toward a bold vision: Remix the American dream so that it works for everyone. She believes that financial wellness is a cornerstone of people's ability to achieve their full potential, and that improved access to better financial tools and services will improve the lives of all Americans and can be achieved through collaboration, networked communities and human-centered design. Kristen brings a lifetime of experience and insight to this work. Her career leading global corporate enterprises, managing mergers & acquisitions, and helping to transform traditional nonprofits into innovative organizations, prepared her for the financial wellness work of GreenPath. She is passionate and driven to empower all people to take control of their finances, so that they can pursue their dreams. Her leadership sets a tone of integrity, compassion and a deep commitment to positive change in the world. GreenPath's mission is to empower people to lead financially healthy lives. A national nonprofit focused on financial wellness for everyone, where people have turned for 60 years as their guide through financial crises: overwhelming debt, foreclosure, or credit challenges. Today, GreenPath works to strengthen financial wellness at every step of the financial journey.GreenPath is building a new financial culture and system to work for everyone. Its people-centered approach, ambitious goals, and creative strategies is the GreenPath difference and sets it apart from other credit counseling agencies. As one of the largest financial counseling agencies in the nation, GreenPath has assisted millions of people with education and products in debt and credit management, student loans, homeownership and foreclosure prevention. Headquartered in Michigan, GreenPath and its affiliates work directly with individuals, banks, credit unions and employer partners across the U.S. from more than 50 locations and through phone access and online tools. GreenPath is a member of the National Foundation for Credit Counseling, Michigan Diversity Council, Texas Diversity Council, and is accredited by the Council on Accreditation. Phoenix Performance Partners Website: https://www.phoenixperform.com/ Culture Eats Everything Apple Podcasts: https://podcasts.apple.com/us/podcast/culture-eats-everything/id1526731051 Culture Eats Everything Spotify: https://open.spotify.com/show/1utf9dZh2PRQKxe6qg5I5M Tom Willis: https://www.linkedin.com/in/thomasawillis Checkout our book: https://www.phoenixperform.com/book #CultureEatsEverything ______________________ Download & Share!

In this conversation, Todd Christensen gives advice to dads of kids of all ages on how to develop financial awareness skills. He teaches kids as young as Kindergarten-age how money works and how to manage it. He also has important advice for dads of college-age kids and how they can develop good credit without risk of making mistakes.Author, speaker, Accredited Financial Counselor®, certified HUD counselor, Todd Christensen, MIM, MA, is the education manager at Money Fit by DRS, a nonprofit credit counseling agency founded in 1996. He also runs the blog, 50PlusOnFIRE.com. Todd has facilitated thousands of personal finance workshops since 2004, has served in leadership positions with national and local financial education organizations, and volunteers on committees and panels for housing authorities, school districts, governmental initiatives, and military base service programs. In 2014, he published, Everyday Money for Everyday People, following in 2021 by 50+ On FIRE.https://moneyfit.org/learn-more​ Take a step to a more stable financial life with our education programs and debt reduction services.https://moneyfit.org/todd-christensen​

If you are a consumer looking for debt or credit help, you may run across the following terms… Credit Counseling, Debt Settlements, Bankruptcy, Debt Management, Credit Repair and Debt Consolidation. If your relative went through credit counseling, it does not mean it is the best option for you. Understanding each strategy and credit repair program is important in choosing which is the right one for you. In this Episode we break down who is the right consumer that can benefit from a Credit Repair program, and go in depth as to when consumers are NOT ready for credit repair. Listen to the latest episode and Master Your Credit Score. The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit consulting and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY P.S Section 609 Credit Repair Loophole is bogus, in fact it has nothing to do with credit repair. Read it for yourself. Link to FCRA: https://www.ftc.gov/system/files/fcra_2016.pdf Contact: TheExtraCreditShow@gmail.com

The economy may be on the up-swing, but not everyone is profiting.  Even if you are struggling with finances, there are 2 things you can do to avoid filing for bankruptcy.  Shane Stewart, certified financial planner from DMBA, has tips to keep you in your home. https://www.dmba.com/nsc/savings/fpOverview.aspx Find out why Credit Counseling is better than Debt Relief, and won't cost as much.  Should you file for bankruptcy when the finances get tight?  Will you lose you house and car?   Learn the difference between Chapter 7 and Chapter 13 and which one is best for your personal situation.  And what happens after bankruptcy? http://www.ksl.com/?nid=1387&showid=2032&n=Cents%20&%20Cents-Ability    See omnystudio.com/listener for privacy information.