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@12KlingerD 57 минут бұрын
I need help! I was under Hallock and Associates (a part of the StratFS lawsuit) and don’t know what to do.
@IIPre 7 сағат бұрын
How does bankruptcy affect individuals with secret clearance?
@AscendFinance Күн бұрын
Here is the Free Chapter 13 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch13/quick/ytch13early
@martinoZen-kx2xm Күн бұрын
I need to, hoping I can
@AscendFinance Күн бұрын
Hey Martino! Hoping you're able to get out of the debt soon! How much time left do you have on your Ch13 plan?
@martinoZen-kx2xm Күн бұрын
@AscendFinance just startedthis year. Finishing my classes. 3-5 years
@KishTalksCredit Күн бұрын
Great info😊
@AscendFinance 3 күн бұрын
Here is the Free Chapter 13 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch13/quick/ytdebtduringch13
@jenniferwills6882 3 күн бұрын
This video was very helpful. I love the format and the way you did it. My HOA is trying to foreclose on my home currently. I want to stop that and I have a few other creditors that are driving me nuts. I'm considering 13 as an option but the initial payment I've been given by the few lawyers I've spoken to is more than i have right now. $2500 paid upfront.
@AscendFinance 3 күн бұрын
Hi Jennifer, glad you found the information useful. That payment amount upfront is not out of the ordinary from what we see for a Chapter 13. They do typically need the payment to be made upfront prior to anything being filed.
@TheSushiandme 3 күн бұрын
I learned from the prince of Saudia Arabia. Just fly away and dont come back.
@1986LOVELYLADY 4 күн бұрын
Equity
@AscendFinance 3 күн бұрын
Hi there, here is the link to our online calculator: tryascend.com/qualify/bankruptcy/ch7/ytbkmortgage
@truthserum1271 4 күн бұрын
Can you get a secured credit card during 13?
@AscendFinance 4 күн бұрын
It really depends, you will need to consult the attorney in your filing case to see if it is available for you or if it would violate the terms of the pla. We have heard of it being done before, but know the court may need to approve of it first.
@AscendFinance 4 күн бұрын
Here is the Free Chapter 13 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch13/quick/ytcreditduringch13
@ric-me9nd 4 күн бұрын
Bankruptcy
@AscendFinance 4 күн бұрын
Here is the link to our bankruptcy calculator online: tryascend.com/qualify/bankruptcy/ch7/vs-13/ytch13dismissal
@josuedonis1807 4 күн бұрын
Thanks for the info! Great video and I will definitely use what I learned here to fight my case. Thank you once again 🙏
@AscendFinance 3 күн бұрын
Glad you found it useful!
@sammysaysso2891 5 күн бұрын
I signed up last month! I finally feel a little better!
@AscendFinance 4 күн бұрын
Wishing you the best of luck with them! If you have any concerns regarding the settlement process or would like to look into other options my team is always here to chat. Just reach out at 833-272-3631
@AscendFinance 5 күн бұрын
Here is our Free Debt Relief Calculator: tryascend.com/qualify/loan-vs-program/ytascendloan
@AscendFinance 5 күн бұрын
Here is the free Chapter 13 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch13/quick/ytzeroch13
@volsown 6 күн бұрын
I think the basic assumption most fail to discuss, and you briefly did, is the fact that one has to be fully committed to paying off the debts. Taking the velocity banking route isn't an easier method than just paying the debts off normally. You've still got to strap down the spending to make this happen. I believe there's some padding in there with the line of credit, but you get what I'm saying.
@AscendFinance 5 күн бұрын
Exactly! Not everyone is prepared for that and it is not always framed in that manner by them. Thank you for sharing.
@michaeltabors2193 6 күн бұрын
This guy! 😆
@RealityTrailers 6 күн бұрын
Is your Ascend business BBB Accredited? Has anyone filed complaints about you with the Better Business Bureau?
@americano6029 6 күн бұрын
If my house and two old cars are paid off and I file Chapter 7 do I have risk of losing any of those ? Thx
@AscendFinance 6 күн бұрын
It will depend on the state exemptions available for your value in those assets. With chapter 7 being a liquidation bankruptcy they may look towards those assets to liquidate if above the exemption limit.
@BrndshTV 7 күн бұрын
The way I see it is that I have a chunky savings in a CD account that I don't want to interrupt. This velocity banking system will allow my future income to pay off debt without interrupting my current savings interest accrual. Why would I spend the money that I'm using to make money to pay off debt when I can have my cake and eat it too?
@AscendFinance 5 күн бұрын
That is great! It just doesn't always pan out that way but it does work for some.
@user-os7fi6bl6k 8 күн бұрын
And so, it came to pass that as I finally, after many months of despair, gained 10 weekly hours of employment and immediately upon so doing, was served papers from my former employer for credit card debt that may or may not have gone on so long had they not fired me for what they did when they did. Also, if I don't make rent, I don't see how this credit card, nor the other five (5) that are in process of going belly up can squeeze my dusty bones. Hopefully I will have a paycheck by the time court comes, and is it ok at that point to have my defense be "I want to file bankruptcy" ?
@AscendFinance 5 күн бұрын
We cannot advise regarding legal responses but will say that signalling bankruptcy can potentially expedite their legal recourse if not taken already. We would say it is probably best to consult a bankruptcy attorney to understand how you should proceed. If you need help getting in touch with an attorney for a free consultation feel free to reach out at 833-272-3631.
@user-os7fi6bl6k 5 күн бұрын
@@AscendFinance I don't have any money to. I'm going to move into my car.
@lauriebond2997 10 күн бұрын
Bankruptcy isn’t the worst thing you can do. Murder is the worst thing you can do. But a Chapter 7 bankruptcy stays on your record for a MINIMUM of 10 years. I’ve seen bankruptcies on financial records that are much older. If this doesn’t bother you, go for it. But think carefully. If you can reasonably work out payment plans and pay off your own debts it is much better. Research your options and the consequences carefully. Bankruptcy should be a last resort and not the default or Plan B.
@AscendFinance 8 күн бұрын
That is a great point Laurie. As you mention, it really comes down to the tolerance of the individual and their own priorities. We will say there are other factors that may make bankruptcy a saving grace as it provides lawsuit protection from creditors and can put an immediate halt to garnishment processes. When approaching bankruptcy, it should be takin into account with your individual situation to ensure it makes sense in the grand scheme of things.
@notmyrealname6150 10 күн бұрын
Maybe I should overspend so someone can cancel my debt.
@AscendFinance 9 күн бұрын
That sounds like gaming the system. While this may work in the short term, it does sacrifice long-term sustainability. Reducing debt through settlement programs, like that of NDR in the video, will have a credit impact each month while negotiations are occurring. This will affect the interest rate you are able to secure for your credit lines in the future. While hard to quantify today, it can make borrowing much more expensive down the line, potentially exceeding the financial burden that was faced initially.
@KelsJones-m3t 10 күн бұрын
I did the survey, and chapter 7 would be my cheapest option, but I dont want to lose my car, I also dont have a house so I don't want to ruin my credit... Debt settlement is my next best option
@AscendFinance 9 күн бұрын
It really just depends, additionally, there are exemptions you can look towards to protect the equity in your car. Feel free to give my team a call or text at (833)272-3631 to help review your situation and go over available options.
@TheShonuff888 12 күн бұрын
Bankruptcy better
@AscendFinance 9 күн бұрын
It can be, just depends on the situation of the individual. On a month by month cash flow basis, debt settlement can be cheaper but there are plenty of cons to be aware of.
@Leosartstudio2014 12 күн бұрын
Don’t be ashamed. A lot of billionaires use this method look at trump he filed 6x and still a billionaire, he protected his money so why shouldn’t you. Unfortunately we live in a credit/loan economy, we haven’t lived in a cash economy I believe since 1971. There’s no getting around utilizing credits & loans, once your free from debt learn how to handle credit better bc it’s not your fault, our school system taught us barely nothing about money & the things they use to get us to buy more stuff! So I say use KZbin or reads some books on how our current economy works & get better at using them. I wish you all well! ❤
@TomVansS 12 күн бұрын
I just did lendify and associates they told me to stop paying my credit cards wile they negotiate the debt they want me to pay 360 a month for 42 months they say they r going to save me 17k in the long run and if I receive legal action to call them and may have to came on a 1099 at the end of the year as income I dont understand can u comment or get in contact with me and give me some insight I would greatly appreciate it
@caraj1209 12 күн бұрын
Does it take years for a bankruptcy to discharge or is that an immediate thing?... curious me and thank you in advance.. I know it takes 7-10 years to fall of credit report
@AscendFinance 9 күн бұрын
If you are able to qualify for a Chapter 7 the discharge happens once processed through the court. This typically takes around 3 months and then unsecured debts are discharged thereafter.
@EdwinCaicedo-zm7lh 14 күн бұрын
If I made the mistake of entering the wrong debt consolidation can I break the contract without consequences?
@AscendFinance 9 күн бұрын
You will need to review the terms laid out in the contract that was signed. Often times we see individuals able to cancel the contract without consequences but know that are situations in which there are.
@Saucedaof 17 күн бұрын
Bro I’m getting charged 44k there covered kicked in came out to 8k got another one yesterday 7k currently paying 2 doctors 1k each I’m so lost man
@AscendFinance 15 күн бұрын
So sorry to hear that! Feel free to call or text my team at (833)272-3631 to chat over your situation and help you understand some of your options.
@TriniDB 18 күн бұрын
Bankruptcy is the way to go because you’re protected. You can still get sued by CC companies with debt settlement.
@AscendFinance 18 күн бұрын
You are right, there is still a risk of lawsuit through the debt settlement process. However, it can still be a very useful tool to use to get out of debt for a number of reasons. One of the biggest reasons individuals look toward DS is because they do not qualify for a Chapter 7 filing and find that DS can be much cheaper than a Chapter 13 filing. It is not a one solution fits all, every case is unique and should be approached as such.
@AscendFinance 19 күн бұрын
Here's the free Chapter 7 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch7/ytbkcosign
@benhoganjr 20 күн бұрын
the lady i saw teaching this said get a PLOC. does that make a difference is how u see this or not so much? I haven't started however trying to find a way to get out of debt smart'ly...
@AscendFinance 18 күн бұрын
Hey there, our main concerns with moving things over to other lines of credit are the ability to do so and the additional fees incurred along the way. It may make sense when it is a lower interest rate on that line of credit, but once fees are taken into account it may not be advantageous. We are dedicated to helping individuals get out of debt in the most strategic way possible that fits their situation. Wed love to chat over your situation and see how we can help. Feel free to call or text my team at (833)272-3631.
@wilfredoWilleFaz 21 күн бұрын
What if i owe just in taxes 24k to be exact
@AscendFinance 19 күн бұрын
Taxes are a bit more intricate. Generally, if the tax debt is less than 3 years old it will be treated as a secured debt, thus not dischargeable through the bankruptcy process. Anything older than that 3 year timespan is typically viewed as an unsecured debt and can be discharged in the bankruptcy process. There can be other solutions for tax debt that is less than 3 years old like making an offer in compromise. Here is more info regarding the OIC: www.irs.gov/payments/offer-in-compromise At any time, feel free to call or text my team at (833)272-3631 to talk over your situation and help you understand options.
@AscendFinance 22 күн бұрын
You can take our free Chapter 7 Bankruptcy Calculator here: tryascend.com/qualify/bankruptcy/ch7/ytutilshutoff
@AscendFinance 23 күн бұрын
Here's the free Chapter 7 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch7/ytchaptersexplained
@danielcastillo4301 23 күн бұрын
I'm really worried about losing my house. We bought it in 2020 and it's value has increased significantly since then, even though it's the same house. I have been considering chapter 7 because of our significant credit card and personal loan debt, but not if my family and I have to move.
@AscendFinance 23 күн бұрын
Hey Daniel, thanks for reaching out. I am so sorry you're worried about this - I'd be happy to clear things up, and if needed, we can look at other options too. Could you give us a call at 833-272-3631?
@AndreiFantastic 24 күн бұрын
If billionaire companies can file why can't I lol 😂
@AscendFinance 19 күн бұрын
Typically billionaire companies file for a Chapter 11 bankruptcy, this is a reorganization of their debt rather than a discharge as seen in the Chapter 7 video above. Bankruptcy is available to everyone, there are just state exemptions and guidelines that determine if you are able to qualify for a Chapter 7 filing or need to look towards a Chapter 13 filing. Here is our chapter 7 vs 13 calculator with an attached video describing each of those processes: tryascend.com/qualify/bankruptcy/ch7/vs-13-start/route/ch7vsch13
@AscendFinance 24 күн бұрын
Here's the free Chapter 7 Bankruptcy Calculator: tryascend.com/qualify/bankruptcy/ch7/ytwaystofile
@saidmehamli881 24 күн бұрын
That was very informative thank you ! Almost got into till I knew the difference ! Not to mention even if you decide to go the route of consolidation your creditor won’t receive the fund anytime sooner ! They said it will take between 6 months to 9 months before they pay partial of it ! So definitely not gonna happened .
@AscendFinance 19 күн бұрын
Glad you found the information helpful!
@effinj9353 24 күн бұрын
Great video
@AscendFinance 23 күн бұрын
Thank you so much!
@louishurr393 25 күн бұрын
This was helpful. Thank you.
@AscendFinance 23 күн бұрын
Of course, thank you for the kind words!
@Toysandgames4444 25 күн бұрын
Is debt relief help with collections? If so what is a good company?
@AscendFinance 23 күн бұрын
Yeah, it definitely can. It would depend on where you live and how much debt. Do you mind giving us a call at 833-272-3631? We can get some more info and get you taken care of.
@godlovessophiia 26 күн бұрын
Bankruptcy
@AscendFinance 23 күн бұрын
Thanks, do you have any questions or anything? As always, you can call us at 833-272-3631 and we can help go through the different options!
@RM-oc1si 28 күн бұрын
What about someone that receives a Christmas bonus or vacation payout? These are 1 time payments that are essentially counted as double when you double your 6 month income. Doesn't seem right. Btw thank you for your informative videos.
@AscendFinance 23 күн бұрын
Great question! So yeah, for the first part of the means test they do look at the last six months of your total gross income (including bonuses). That in mind, there is a second part that does consider your more-so disposable income. If you'd like, you can give us a call at 833-272-3631 and we can help you estimate your qualification.
@diaz1937 29 күн бұрын
So I had a "Debt collector" call me and they talked about the debt I owed etc etc. I've been looking at videos seeing everyone say don't talk to them to ask in writing. But I did talk to them and when I gave them my debit card they did record me agreeing to terms on a payment plan. What do I do ?
@diaz1937 29 күн бұрын
Please help
@AscendFinance 23 күн бұрын
Hi, thanks for reaching out! I would want to understand a bit more about the terms and everything. If you'd like, you can call us at 833-272-3631 and we can go through this with you in more detail.
@TheSushiandme 3 күн бұрын
Why would you... agree
@coyote520 Ай бұрын
They have a third party vendor that violates the Federal TCPA by cold calling consumers on the Federal DNC without any permission. They have been sued more than once for this, and I am about to file myself.
@AscendFinance 23 күн бұрын
Thanks for the heads up! Was there an article or anything you saw about this? Super curious to look into that more.
@economycollapseimminent Ай бұрын
Hi. This is all great information. I have some constructive criticism. Please speak a tad more slowly and pause more often. This type of material is not easy to digest for the average consumer that is not well versed in financial services and education. I also believe that changing your pitch in your voice slightly to make it brighter, where the delivery is not as monotonous in tone, will be great to help people retain what they hear. I had to watch the video twice to absorb the processes and I am well versed in this field. Thank you again for the information. Its helpful and I appreciate the effort in rebuilding the debt settlement industry. You have a long road ahead of you. If your intent is good and wholesome, I sincerely wish you the best in this endeavor.
@AscendFinance Ай бұрын
Thank you for the constructive feedback! I will be taking this note seriously. I am glad you found the info useful, however, if there is still any confusion you can always consult with my team at 833-272-3631 to answer questions and address concerns.
@AllenColeman-g3d Ай бұрын
Credit karma uses transunion and equifax
@AscendFinance Ай бұрын
You are correct! They consolidate the data between the two credit bureaus as not every creditor reports to every credit bureau.