Save money when you are broke by increasing your income with a second job, taking a close look at expenses and cutting out unnecessary spending. Consult a non-profit credit counseling agency for help with saving money using tips from a financial service specialist in this free video on saving money. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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Creative ways to lower monthly bills include creating a monthly budget, cutting out minor expenses, getting rid of unnecessary services and renegotiating debts. Get debt refinancing terms in writing before making any payments with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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A certified credit executive is an individual who has taken classes on how credit works and how to give options to people with credit problems. Make sure a credit executive is certified and not working for profit with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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An unsecured credit card is a credit card that has no security behind it, meaning that it is not tied to any collateral. Get an unsecured credit card by having good credit with insight from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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Set up a household budget by recording all expenditures for a month or two, organizing expenses in different categories and deciding which expenses are necessary and which can be cut out. Be honest and record every single expense when setting up a budget with instructions from a financial service specialist in this free video on budgets. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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Buying a car on a consolidated credit loan requires discussing the price of the car, talking to an attorney on the consolidation case and making sure that the car will help you make money to pay off debt. Find reliable counsel to discuss buying a car with consolidated credit using help from a financial service specialist in this free video on consolidated credit. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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Digging out of the credit card pit falls. Tips on how to negotiate a lower interest rate on your credit cards using the 6 things from Part 1

Duration : 0:1:4

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Create a personal balance sheet by listing income, assets and liabilities on a piece of paper or computer program, and figuring out net worth. Keep track of your financial situation with a personal balance sheet using instructions from a financial service specialist in thisfree video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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Applying for a credit card with bad credit requires trying to get on a budget, applying for a secured credit card and making regular payments on all debts. Consider the reasoning behind getting a credit card if you are already in debt with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

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http://www.payasyousettle.com/debt-options/ My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.IT IS NOT AGAINST THE LAW TO OWE MONEY!Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve.KNOW YOUR RIGHTS UNDER THE FDCPA:Collectors can NOT call you before 8 am or after 9 pmCollectors can NOT threaten to have you arrested or charged with a crime if you dont payCollectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.)For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.)To the scum debt collectors reading this: We’re mad as and we’re not going to take this any more! We the People are being educated as to your tactics, garnering strength and numbers, and proposing legislation. We’ll be in touch with you…

Duration : 0:5:57

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