I’m enrolled and it’s going well, one of my credit cards has already been settled for way less that what I would have owed
@AscendFinance53 минут бұрын
That's great! I hope the rest of the plan continues like that!
@mrs.hernandez2204 сағат бұрын
Do you recommend national debt relief?
@AscendFinance52 минут бұрын
We typically recommend finding a company that is transparent about their fees, risk of the program, potential tax obligations, etc. as well as help you compare other options. So if National Debt Relief goes through all of that, then they may be helpful! If you'd like, you can call or text my team at 833-272-3631. We'll help you compare options and then find the right provider out there.
@thedenthero739917 сағат бұрын
You need to get a new credit card because my credit card will pay all that stuff
@Spritualsection18 сағат бұрын
I moved to California from Chicago to open a restaurant ,I did open the restaurant with my wife with a LLC I am in a big financial mess now like around 150k If I apply for chapter 7 will I be able to lose my restaurant business ?
@AscendFinance51 минут бұрын
I am so sorry to hear that things are not going as planned. You may be at risk of losing the restaurant, although it may depend on the value. You'd want to get this confirmed with a local attorney. You can call or text my team at 833-272-3631 and we can help you connected with someone locally.
@AgnesArnold-d1o18 сағат бұрын
Clark Susan Perez William Hall Brenda
@mar91942Күн бұрын
Dave’s debt advice is awesome for the financially irresponsible and financially illiterate. However, Dave’s advice isn’t good for those that are financially capable of making smart decisions but have come up on unavoidable circumstances
@aristotlep.49823 күн бұрын
Great video. Question, If I file ch13 and on a 100% payback, what are the chances of unsecured debt get dismissed and why?
@AscendFinance3 күн бұрын
Thank you! That's so kind. Great question - if you're already structured in a 100% plan, then I'd say it's a low likelihood of the unsecured debt being dismissed/discharged/not paid back. That said, if your income decreases or mandatory expenses increase, that could change the plan. All that in mind, you would want to confirm this with a local attorney, as I am only able to provide high level info. If you'd like to speak with someone locally, give my team a call/text at 833-272-3631.
@ramblinralph76094 күн бұрын
Good info., thanks.
@AscendFinance3 күн бұрын
Thank you so much for the kind words, glad it could help! If you have any questions, give my team a call at 833-272-3631!
@sonjakeesee69776 күн бұрын
Okay so my husband recently paid off a debt via payroll garnishment the last payment was made via payroll deduction on July 11 now last Friday August 16 we were served for the same debt that was just paid again. What do we do to stop this company from trying to collect on the debt twice? Isn’t that illegal? So yeah it was paid off July 11 and on the 16th of July. They went back to court stating that it wasn’t paid off when it wasn’t got the stuff done all over again for the same debt, it’s not a debt. It is the same debit. We are in Washington state I don’t know if that will help you so what do we do to stop them from doing it? Legal things? This company has very bad reviews even down to making up fake debts. I don’t know if it’s true or not, but that’s neither here nor there we’ve dealt with them before they are really shady. They do really bad things they review on, BBB better business bureau is horrible
@sonjakeesee69776 күн бұрын
PS it states on the document that we have 20 calendar days from the date that was stamped on there the date that it was approved by the court not the date it was served basically we have 20 days from July 16 to respond but we didn’t get served until August 16 that’s 3031 days something like that not looking at the calendar so yeah isn’t that illegal as well? I’m really confused. How do we respond? I’ve never done this before but I’m not gonna allow this company to mess with us anymore.
@professorbrain95146 күн бұрын
He works for LPG and Phoenix law your validating bs, I’m a client and that’s not was promised LPG said that they would hold funds in an account that I put funds into and pay creditors out of monies collected. Wasn’t just negotiating the debt it was paying off the debt with money paid into program based on the amount of debt that client has or had.
@AscendFinance6 күн бұрын
Thanks for the comment! We don't work with them nor have any affiliation with them whatsoever. I worked for Ascend Finance, and we just wanted to put this video out to help answer any questions for people confused about what's going on.
@5amura1156 күн бұрын
Was litteraly about to take the program. I can't do it. Really could use the loan tho.
@AscendFinance6 күн бұрын
I totally get it. I'd be curious to understand your cash flow and sustainability on things. If you'd like to chat, give my team a call or text at 833-272-3631.
@KM-yl4uy7 күн бұрын
Can I file for chapter 7 bankruptcy without adding my 2 car loans and 3 credit cards? I have 5 unsecured personal loans I want to file for and that's it.
@AscendFinance6 күн бұрын
Typically it's hard to exclude debts from the bankruptcy. That being said, you could always consult with a local attorney on whether they may find it feasible. Feel free to call/text us at 833-272-3631.
@NnCreators8 күн бұрын
Hey, just got this video recommended, and your insights are just amazing, however the quality of editing of thumbnails and editing can be improved, you should also start making shorts, to boost your reach, we can help you in all of them, if you are interested give us a reply
@AscendFinance6 күн бұрын
Thanks! Always open to feedback - feel free to provide the feedback here. Appreciate it!
@NnCreators4 күн бұрын
@@AscendFinance We have the best editing team over here, we were curious if you guys were interested
@luiscastro54569 күн бұрын
is VA disability pay and social security considered income for filing bankruptcy?
@AscendFinance6 күн бұрын
Not always, but it does depend. If you're open to it, give us a call/text at 833-272-3631 and we can go through this in more detail!
@Poleaux9 күн бұрын
False marketing to veterans all the time
@AscendFinance6 күн бұрын
Yeah, I see that too! So sad. Thanks for your comment.
@fidelquiah9 күн бұрын
I am considering bankruptcy. Any referral to who i can talk to?
@AscendFinance6 күн бұрын
Thanks! Yeah if you have a few minutes, give us a call/text at 833-272-3631 and we'd be happy to get you connected.
@Prodigal19 күн бұрын
What about settling debts with creditors yourself?
@AscendFinance6 күн бұрын
Yes that's definitely a possibility. Is everything already past due?
@Prodigal16 күн бұрын
@@AscendFinance yes but not all charged off, yet
@Prodigal16 күн бұрын
@@AscendFinance one is only month behind because it’s my credit union and I get direct deposit through them and don’t want them closing account. One is at Midland (junk debt buyer) one I settled on for 50% off and making last of 3 payments in two weeks. Still have a large Capital One card $14,000 that’s 6 months delinquent that will be hardest to negotiate, and $9,000 charged off Citi Card which I hope to work out a settlement with next. Bankruptcy (CH/7 I have too much disposable income for, apparently, even though I am under the annual median income as a single person in my state, CH-13 although probably beneficial considering my past due taxes but I don’t want to be trapped in a 5 yr plan. Would feel like a parolee having to constantly be checked on by a Parole officer (trustee/courts).
@AscendFinance4 күн бұрын
Thanks for sharing all of that. Super helpful - it's clear you've been comparing options - nice work! For Capital One and Citi, it sounds like they are close, if not ready, to be settled on. You could do it yourself or we could jump on a call and see whether there are any companies out there worth checking out. If you want to text me at 833-272-3631, we can chat more there! Thanks!
@TryorDie202410 күн бұрын
If you do any kind of research you know this is the worst program on Earth. KZbin should never allow these scammers
@AscendFinance10 күн бұрын
Thanks for your comment! Yeah, it's definitely not a program for everyone -- let me know if you have any questions or anything!
@Nsmithq9910 күн бұрын
Did I miss where he tells you the interest rate on the existing debts and the line of credit being used? This strategy only makes sense if the new credit is a lower rate than the bills you are trying to pay off.
@melchaos528810 күн бұрын
Do you have an information video on Chapter 13 in Massachusetts?
@AscendFinance10 күн бұрын
Yes! Please call my team at 833-272-3631 and we can go through that with you.
@user-no8fw8mf8t10 күн бұрын
I’m a shit marriage the wife has everything what do I do ??
@AscendFinance10 күн бұрын
I am so sorry to hear that. I'd like to hear more about your debt situation, could you call my team at 833-272-3631?
@MidlifeMoneyMoves11 күн бұрын
Awesome info as always! Thanks for all y’all do!
@AscendFinance11 күн бұрын
This is so encouraging, and I appreciate your kind words so much! Thanks!
@misseyespy671111 күн бұрын
I think it’s really helpful wages into cc yes I get that we going to try it better than avalanche is taking me forever years and snowball I think
@AscendFinance11 күн бұрын
Thanks for watching! As I mentioned, you can take the Chapter 7 Bankruptcy Calculator here: tryascend.com/qualify/bankruptcy/ch7/ytwhatisch7
@FunnyLilyFace11 күн бұрын
Not actually state specific
@AscendFinance11 күн бұрын
Yes, it is! It asks for your zip code in the beginning, which provides different results than someone in a different area.
@donphillips59912 күн бұрын
A lawyer wanted a few thousands to do a chapter 7 !!
@AscendFinance11 күн бұрын
Thanks for the heads up! Did they provide a payment plan? And did they mention whether you had a complex case?
@donphillips59911 күн бұрын
@@AscendFinance It is my son who wants to What your number to call you
@donphillips59911 күн бұрын
@@AscendFinance It is my son whose needing to I’m assuming you do bankruptcy ? Contact info ? St. Louis area
@AscendFinance4 күн бұрын
Hey Don, I am sorry for the delay! Thanks for looking into this for your son. Could you call/text my team at 833-272-3631? They'll be able to help him out.
@macray6312 күн бұрын
What is the best company for debt consolidation?.my debt is 35k,its very hard for me to recover.i wish i can make a 5 years loan to pay this debt
@AscendFinance11 күн бұрын
Thanks for the question. It depends on the state you're in, could you call my team at 833-272-3631? They can get you taken care of.
@LorenzoOpenito12 күн бұрын
Thks
@AscendFinance11 күн бұрын
You're very welcome!
@colemanh944713 күн бұрын
If I settle a medical debt with a debt collector, will it affect my score any more negatively? I got a letter stating they would be willing to accept 35% of the stated value.
@angelrosado769413 күн бұрын
Companies like this a trash because they basically not paying your bills for 3 months anyway so I was going to damage your credit I'd rather start over and do a bankruptcy you can always get somebody else to remove all those negative items from your credit report
@Mano_on_Point13 күн бұрын
Me and my wife just make 150k combined but have a lot of expenses. They said we make too much but wouldn’t they have to calculate our expenses???
@flashoflight81607 күн бұрын
They limit expenses unless it's going to a high priority creditor like mortgage, car loan, back taxes, and child support, They made it really hard to wiggle out of a 13 to do a 7 for high income.
@ryand840614 күн бұрын
“You’re never getting that money back, I’m stealing from you” “be more parasitic” - Sam Hyde
@ifeedchickens73878 күн бұрын
ffr
@AscendFinance2 күн бұрын
Thanks, can you explain what you mean? Sorry!
@119jle14 күн бұрын
If you’re on social security you don’t owe *£€<~. Easy to hide assets
@AscendFinance2 күн бұрын
Hi, what do you mean exactly?
@markguilbeau16 күн бұрын
From the very beginning, I knew that I could not pay the mortgage or car payments with a credit card. I use the money leftover after paying the mortgage and car payments to then pay minimum on all the other credit cards but then focus the remaining cash flow on one credit card. I have some side jobs and all of that then goes onto that one credit card that I’m paying off. That cash flow going on the credit card meets the minimum payment plus more. The side jobs have really helped. And now my wife is on board and her check is going towards paying off our debt too. At the end of the year, the cashback from the credit card will be used to pay down the debt even more. We have all our bills on auto pay using the credit card. I’m kind of rambling, but this has really worked for us.
@AscendFinance2 күн бұрын
Thanks for your comment.
@markguilbeau2 күн бұрын
@@AscendFinance thanks for your comment as well. I got paid today. My whole check goes on the credit card. My wife her check goes towards the mortgage so she pays that but a big portion of her check also goes to my daughters school. So she gives me that to put against the card as well. We just got some money from, some relatives and we put the whole thing against the credit card too. I cut grass and watch pets on the side all of that goes to pay down the credit card. I am actually excited doing this. I’m leaving a pet sitting at the moment and just got to reply. Have a good day thank you for your videos.
@Male_Parent16 күн бұрын
Would it be better for me to be a loan lender or go through a bank for a debt consplidation loan. I'm trying to help my mom with her $30,000's of debt while also trying to suppliment my own income to save for a house in my lifetime. She used to be financially irresponsible but now that she's older and wiser I want to give her the financial freedom she deserves before she retires or dies. 💪
@AscendFinance2 күн бұрын
Does she have a good credit score to get a loan? Any chance you can call me/us at 833-272-3631? Would love to chat through it.
@harmonyhelps171416 күн бұрын
Thank you
@AscendFinance13 күн бұрын
You're welcome
@stevenchapman581016 күн бұрын
hmm... credit score? my DTI is extream high all ready. I do not have a mean to pay the dept at current rates. what does my credit score matter? if i can not pay my depts who would give me a loan , for car or home? at this point my credit scroe is just a way for these credit card companys to make money off of my abilty to pay min payments. ????
@AscendFinance2 күн бұрын
Hey Steven, yeah, that is what some people consider that their credit score is already going down regardless. Any chance you can call me/us at 833-272-3631? Would love to chat through it.
@ea765416 күн бұрын
Can they garnish your check if the debt is more then 3 years old in NYS it’s legal to do so
@AscendFinance2 күн бұрын
I don't have the laws in front of me, sorry. Do you know the source of the 3 years old? Is that on a judgement?
@maureenoleary898816 күн бұрын
Oh no! Why do you say that?
@AscendFinance2 күн бұрын
Hi, what piece?
@JOA_Trades_17 күн бұрын
Ascend website is trash go see a real lawyer they miss things like child care and other expenses when doing the means test
@julianpj2217 күн бұрын
I hired a lawyer to take my case and they promised me they could get it lower and if i showed them a hardship form would hlpe but my lawyer hasnt lowered it. And its more now with court cost. My lawyer wants me to settle now instead of going to court.
@AscendFinance2 күн бұрын
Thanks, how is it going now for you?
@julianpj222 күн бұрын
@AscendFinance is not good. My lawyer really wanted me to just settle before it went to court, which is scheduled next year, it says. But my lawyer didn't lower the debt. Like I said, I submitted a hardship form to them, and they wanted to see my bank statement, which I didn't wanna show them because I felt like it was an invasion of privacy. My lawyer said it's fine if I didn't wanna show my bank statement but it's won't help my case.
@farronmiller219617 күн бұрын
What if you don’t have any assets? Can you still file?
@AscendFinance13 күн бұрын
If you have no assets, then the trustee may not be able to take anything from you. That said, feel free to take the calculator for an estimate or give us a call at 833-272-3631.
@feet30017 күн бұрын
Is there any template on the planet that doesn’t cost money that can be used to file an answer? Can your response be thrown out for failure to adhere to format? There is no template for a response on my county or state website (I am in Oregon), and the amount of time I’ve devoted to trying to find one, or an attorney willing to write the answer, is beyond the pale.
@loop_scee10 күн бұрын
There should be a local law library you can contact. Search Oregon law library
@ShannonHarris-hd7wp18 күн бұрын
If my case have been dismissed with prejudice in favor of the defendant can I file a new claim against the defendant with new facts
@AscendFinance17 күн бұрын
This may be a good attorney question. Thanks for watching!
@Prodigal118 күн бұрын
Why can no one clearly state that even if you qualify under the first phase of the means test (annual income below the median income for your state) but disposable income monthly in phase two makes qualification ineligible?
@AscendFinance17 күн бұрын
Hi, can you clarify what you mean? Are you stating that you are under the means test, but you have too much disposable income from the second part?
@Prodigal117 күн бұрын
@@AscendFinance yes
@AscendFinance4 күн бұрын
Thanks. Have you had multiple consultations? Or just one?
@Prodigal14 күн бұрын
@@AscendFinance two
@JOA_Trades_18 күн бұрын
Do not use the website it doesn’t take many things into consideration and pretty much “unqualifies you” such a crap website honestly.
@AscendFinance17 күн бұрын
Thanks for the comment - could you clarify what you mean? Did you take the part 2 of the means test as well?
@JOA_Trades_17 күн бұрын
@@AscendFinance childcare expenses is not factored in on your website shorting a failed means test and a few other things not considered
@AscendFinance11 күн бұрын
Thanks - you'd want to take the Above Median Calculator that should take more expenses into consideration: tryascend.com/qualify/bankruptcy/ch7/aboveMedian The idea of the calculator is to provide a high level free estimate so you can have an idea of where you stand without having to speak with an attorney! Hope that clears up your confusion!
@themastertrader0119 күн бұрын
he is scammer
@AscendFinance17 күн бұрын
Who is a scammer?
@adventureswithadrienne19 күн бұрын
8.7.2024 Hello, Does bankruptcy help if already is being sued? Will it also stop an already lawsuit? Lastly, what about traffic tickets, does it help with those too?
@AscendFinance17 күн бұрын
It may be able to help with an unsecured debt lawsuit and stop the proceedings. The traffic tickets question would be a great question for an attorney, and I can get you linked up for a free consultation with one if helpful at 833-272-3631. Thanks!
@Mudmaker9519 күн бұрын
Nice detail video 👍 thanks for such a detail information
@AscendFinance19 күн бұрын
My pleasure!! I appreciate your kind words... -Ben
@AscendFinance19 күн бұрын
Thanks for watching! As I mentioned in the video, you can take our Free Chapter 7 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch7/ytbkexplained24