[SPEAKER_00]: If you're drowning in about $20,000, $40,000, or even $80,000 or more if dead and making minimum payments, that's barely touching the principle today's episode, I believe could change your financial future.

[SPEAKER_00]: I've spent the last, I would say, year, researching two legitimate debt relief companies, freedom debt relief and accredited debt relief.

[SPEAKER_00]: And I'm going to show you exactly when debt relief makes sense, when it doesn't, because well, a lot of people who doesn't.

[SPEAKER_00]: And give you 15 questions you must ask before signing anything.

[SPEAKER_00]: Family, I get messages messages every single day from people saying Anthony, I'm drowning in debt and I don't know what to do.

[SPEAKER_00]: By the end of this video, you'll know if debt relief is right for your specific situation and if it is, I'll show you how to get a free evaluation.

[SPEAKER_00]: I'm gonna say it's upfront.

[SPEAKER_00]: just why I need you to watch the entire show.

[SPEAKER_00]: Because I'm going to show you how to get a free valuation, whether the 15 questions you need to ask before you pay a dime before you sign any paperwork to feel comfortable to do this for yourself.

[SPEAKER_00]: So before we talk about the good companies, [SPEAKER_00]: You need to know the brutal truth up front.

[SPEAKER_00]: I've been praying about doing a show on this because less than 10% of people who start death settlement programs actually complete them.

[SPEAKER_00]: So Anthony, why are you even doing a show on this?

[SPEAKER_00]: Well, [SPEAKER_00]: Those less than 10% of people, so 90% of the people who, who, unfortunately, failed, they failed because they didn't do the proper research and went with the wrong company.

[SPEAKER_00]: So, I really wanna break down a friend.

[SPEAKER_00]: How does debt relief actually work?

[SPEAKER_00]: Because I need you to know the truth of friend.

[SPEAKER_00]: You stop paying your creditors.

[SPEAKER_00]: That's number one.

[SPEAKER_00]: Instead, you put that money into an escuro account that you control, not them, you control this.

[SPEAKER_00]: Number two, while you're saving money, I'm a be honest with you, your credit score could take a big hit.

[SPEAKER_00]: We're talking anywhere between 40 points that I've seen up to about 120 point drop immediately.

[SPEAKER_00]: the number three after six and 12 months.

[SPEAKER_00]: The company starts negotiating with your creditors to settle for less than U.L.

[SPEAKER_00]: But here's what they don't tell you.

[SPEAKER_00]: You're gonna get collection calls.

[SPEAKER_00]: For the most part, every single day, I was a bill collector.

[SPEAKER_00]: I'm telling you the truth.

[SPEAKER_00]: Your credit is going to take a hit for at least 12 months to about two years.

[SPEAKER_00]: Some creditors might even sue you.

[SPEAKER_00]: I'm a deal of front.

[SPEAKER_00]: And your pay 15 to 25% of your enrolled debt in fees.

[SPEAKER_00]: That means if you have $30,000 in debt, you could pay $7,500 just in fees.

[SPEAKER_00]: And that's if the program actually works.

[SPEAKER_00]: So why am I talking about this?

[SPEAKER_00]: Because some people, and I mean some people, this is a better option than filing bankruptcy.

[SPEAKER_00]: Let me say it, some people, [SPEAKER_00]: I've gotten calls from people saying, man, if I don't come up with something AO, I am going to have to file bankruptcy.

[SPEAKER_00]: And y'all know how I feel about bankruptcy, we got to avoid that at all costs.

[SPEAKER_00]: But, you all need to know exactly what you're getting into.

[SPEAKER_00]: So I spent.

[SPEAKER_00]: the last year, hours, and I mean, hours and days researching more than a hundred debt relief companies.

[SPEAKER_00]: Most of these companies are straight up predators, and be real with you.

[SPEAKER_00]: I will say about 85% of them are straight up predators.

[SPEAKER_00]: They charge up front fees, they make promises they cannot and will not keep, and they leave people in a worse situation than they started.

[SPEAKER_00]: But I did find two, I found two companies that are different.

[SPEAKER_00]: First companies, freedom debt relief, and the second company is a credit-it debt relief.

[SPEAKER_00]: Here's what I looked for.

[SPEAKER_00]: Verifurse saying was, they're members of the American Fair Credit Council, which has strict standards.

[SPEAKER_00]: Number two, they don't charge any upfront fees.

[SPEAKER_00]: So you only pay them when they actually settle a debt.

[SPEAKER_00]: which is very, very key.

[SPEAKER_00]: Number three, they have real-licic success rates.

[SPEAKER_00]: Nearly 70% of completion rates versus the industry average of less than 10% say one more time.

[SPEAKER_00]: These two companies, [SPEAKER_00]: average 70 percent of a completion rate versus the industry average of less than 10 percent.

[SPEAKER_00]: Number four, you maintain control of your settlement account.

[SPEAKER_00]: They cannot touch your money.

[SPEAKER_00]: So this is money in your account that you can show it, you can take out whatever you want.

[SPEAKER_00]: If you do not feel comfortable moving forward, you can say, Adios, amigos.

[SPEAKER_00]: Number five, this is what I really like that I've learned about them over this year because I've had a couple of people go through them because we've been working on some major things here with them on company.

[SPEAKER_00]: And one of those is called the Skate Plan.

[SPEAKER_00]: And I've been walking people through different things to see what's working and see what's not working.

[SPEAKER_00]: And what I loved about these two particular companies is that they're transparent about timelines.

[SPEAKER_00]: And they're going to be very true for what you have learned about the credit impact.

[SPEAKER_00]: Now I want to be crystal clear about something super clear about something, right?

[SPEAKER_00]: I've done my research and I've been offered man.

[SPEAKER_00]: some crazy money to promote companies that I believe would not do you right.

[SPEAKER_00]: And I quickly turn those down.

[SPEAKER_00]: But my job is to make sure that I provide you with options.

[SPEAKER_00]: And so I just started doing research, and I turned down major money to give you options that you will have to do more research on it.

[SPEAKER_00]: But these two companies, I only recommend because I've had family members go through them.

[SPEAKER_00]: Signing up for an evaluation with either one of these companies and I will suggest you sign up for both you guys is completely 100% free.

[SPEAKER_00]: You're not paying for anything.

[SPEAKER_00]: You're not committing to anything.

[SPEAKER_00]: You're just getting information.

[SPEAKER_00]: I want to say this again.

[SPEAKER_00]: Until you get the 15 questions that are inside of today's show knows, until you and your spouse, you and your partner feel 100% comfortable about it.

[SPEAKER_00]: You're not committing to anything, but I do want you to go to Anthony on theo.com [SPEAKER_00]: And I want you to see if this is a good fit for your situation.

[SPEAKER_00]: And I'm trying to move slowly and be very, very, what's my word I'm looking for here?

[SPEAKER_00]: Be very, very clear.

[SPEAKER_00]: Because I want to be clear on who should or who should not consider that relief, right?

[SPEAKER_00]: Let me put it to you this way.

[SPEAKER_00]: I want to be super clear about who should consider this?

[SPEAKER_00]: and who should run the opposite way?

[SPEAKER_00]: Because this is not for everyone.

[SPEAKER_00]: Now, who should consider that relief?

[SPEAKER_00]: Well, number one, you should consider debt relief if your debt exceeds 50% of your annual income.

[SPEAKER_00]: So if you make, let's say $50,000 and owe more than $30,000, you should consider it.

[SPEAKER_00]: I didn't say you should do it.

[SPEAKER_00]: You should call and ask the questions.

[SPEAKER_00]: Number two, you are already severely behind on most of your accounts.

[SPEAKER_00]: You're more than three months behind on this stuff.

[SPEAKER_00]: Now, if you're current on your payments, debt relief is not for you, who says, one more time.

[SPEAKER_00]: If you're current on your payments, stay in a debt snowball and we're gonna talk about that a little bit later on, but this is not for you.

[SPEAKER_00]: Number three, this is for you, if you cannot realistically pay off your debt within the next five years.

[SPEAKER_00]: Even with extreme budgeting, you're like Anthony, I still, I just don't see it for seaable future of me getting out of debt.

[SPEAKER_00]: bankruptcy is your only other option if you do not do this.

[SPEAKER_00]: Number five, you have consistent income to fund a settlement account every single month.

[SPEAKER_00]: Key word a settlement meaning that if you owe a $5,000 bill, you're going to settle it from maybe $2500.

[SPEAKER_00]: That's what settlement means, paid in full means if you owe $5,000 you paid $5,000 in full.

[SPEAKER_00]: Now, who should not consider that relief?

[SPEAKER_00]: Who should run the opposite way?

[SPEAKER_00]: Number one, your debt is under, I say, $15,000, the fees are honestly not worth it.

[SPEAKER_00]: Number two, you have good credit and can qualify, let's say, for a consolidation loan with a lower interest rate.

[SPEAKER_00]: You're not refinancing your loan if it doesn't give your lower interest rate.

[SPEAKER_00]: Anthony, did you just tell me to get that?

[SPEAKER_00]: I sure did because it saves you money in the loan run.

[SPEAKER_00]: So if you're paying 22% over here and you can refide that into a loan, that is only at 8% heck yeah, I want you to do that, because you're paying less back in interest.

[SPEAKER_00]: There's a strategy to everything that I'm teaching.

[SPEAKER_00]: Number three, you should not consider this if you haven't seriously tried budgeting or the death snowball method.

[SPEAKER_00]: Number four, you can't handle two to four years of a credit damage.

[SPEAKER_00]: Number five, you're not prepared for the possibility of being sued by some of your creditors.

[SPEAKER_00]: So family, that relief is not a magic solution.

[SPEAKER_00]: I'm gonna be honest with you.

[SPEAKER_00]: It is one of the last resource before bankruptcy.

[SPEAKER_00]: If you don't meet these criterias, keep watching because I'm going to give you some different alternatives.

[SPEAKER_00]: Now, if you decide which I recommend, a lot of you, too, too.

[SPEAKER_00]: to consider the free evaluation from freedom that relief or accredited debt relief.

[SPEAKER_00]: Building credit the traditional way of slow and confusing.

[SPEAKER_00]: And most credit cards want you to rack up debt just to boost your score.

[SPEAKER_00]: You see how you think that you had to choose between staying debt-free or having a good credit score.

[SPEAKER_00]: Bye.

[SPEAKER_00]: But, but here's what I've discovered.

[SPEAKER_00]: There's actually a way to build credit without any credit checks, without going into debt, and without paying crazy interest fees.

[SPEAKER_00]: And it works faster than I thought possible.

[SPEAKER_00]: These are my friends at Kickoff.

[SPEAKER_00]: They are the truth.

[SPEAKER_00]: They are doing something different.

[SPEAKER_00]: They help you build credit the right way without the debt track I've seen people go from no credit to a 700 plus score using their system and they did it completely debt-free Say one more time completely debt-free over 150,000 people have left five star reviews on an app store [SPEAKER_00]: Users see an average of 34 points increase in their credit score.

[SPEAKER_00]: Some even see watch this up to 84 points within the first 12 months.

[SPEAKER_00]: These aren't just numbers.

[SPEAKER_00]: These are real people getting approved for homes and getting better interest rates.

[SPEAKER_00]: Here's to sure, every month you wait is another month of paying higher interest rates on everything.

[SPEAKER_00]: A good credit score can save you.

[SPEAKER_00]: A lot of money.

[SPEAKER_00]: Thousands on a mortgage.

[SPEAKER_00]: Don't let bad credit cost you money.

[SPEAKER_00]: I'm going to visit Anthonyo.com for Sasuke Golf right now to get started For his little ass $1 on your first month.

[SPEAKER_00]: I want you to build credit that debt freeway because your future self.

[SPEAKER_00]: We'll thank you There are 15 critical questions.

[SPEAKER_00]: You must ask before signing anything before cutting a check before doing anything with them all right [SPEAKER_00]: I put all 15 questions in the show notes below this video.

[SPEAKER_00]: Screenshot them, copy them, write them down, or print them out.

[SPEAKER_00]: Do not get on a call with any debt relief company without these questions in front of you.

[SPEAKER_00]: And you need to get every single question asked.

[SPEAKER_00]: because these questions cover everything from fee structure to success rates to what happens if you get sued.

[SPEAKER_00]: If a company can't answer these questions clearly, or if they press you to sign up immediately without walking you through the process, then you need to run even from these two companies.

[SPEAKER_00]: But I've added them and they've answered these questions for me.

[SPEAKER_00]: Again, the 15 questions are in the show knows.

[SPEAKER_00]: Use them to protect yourself.

[SPEAKER_00]: Use them to protect you and your money.

[SPEAKER_00]: And let me tell you about my friend Sarah who's in our in the black community.

[SPEAKER_00]: So real person who gave me permission to share her story and you see Sarah's a single mom making roughly about $50,000 a year.

[SPEAKER_00]: After her divorce, she had 45,000 on the credit card debt.

[SPEAKER_00]: Her minimum payments were about $1,200 a month.

[SPEAKER_00]: That was more than her rent.

[SPEAKER_00]: Her rent was only like right around $800 I believe.

[SPEAKER_00]: She got on our plan.

[SPEAKER_00]: She used our wealth tracker tool.

[SPEAKER_00]: She was budgeting.

[SPEAKER_00]: she tried the death snowball and she's honestly still working the death snowball as well.

[SPEAKER_00]: But the interest was killing her.

[SPEAKER_00]: Here's what happened when she chose dead relief.

[SPEAKER_00]: Month one through six she told me she stopped paying her credit cards because they were already five, six months behind and she put $800 a month into her settlement account.

[SPEAKER_00]: her credit score did drop about 80 points she told me, she did get some collection calls frequently throughout the week.

[SPEAKER_00]: Months seven through 18 in the debt relief company started negotiating.

[SPEAKER_00]: They settled her first card $8,000 debt watched is for $3,200.

[SPEAKER_00]: Another $12,000 for $4,800.

[SPEAKER_00]: month 19th to 36, we're getting into year two, going to year three.

[SPEAKER_00]: They settled the remaining debts total about 45,000 in debt for $18,500 in settlements.

[SPEAKER_00]: Plus, she had to pay the $6,750 in fees.

[SPEAKER_00]: So Sarah saved $19,750 for her credit.

[SPEAKER_00]: took about three years to fully recover.

[SPEAKER_00]: She dealt with stress.

[SPEAKER_00]: She dealt with some collections.

[SPEAKER_00]: And she says she almost had one lawsuit.

[SPEAKER_00]: But they did not proceed forward with it because she said it with them.

[SPEAKER_00]: Was it worth it to Sarah and I asked her?

[SPEAKER_00]: She says, heck yeah.

[SPEAKER_00]: She said because if I didn't do that, she said bankruptcy would have been next, Anthony.

[SPEAKER_00]: And I know you talked about bankruptcy.

[SPEAKER_00]: You avoid that at all costs.

[SPEAKER_00]: with some collection calls, a possible lawsuit and, you know, my credit being hurt, my credit was already shot.

[SPEAKER_00]: Heck yeah, Anthony, it was worth it.

[SPEAKER_00]: It saved me so much money.

[SPEAKER_00]: She said, but it wasn't easy.

[SPEAKER_00]: And she even admitted it's not for everyone.

[SPEAKER_00]: So, before you even think about debt relief, I want to make sure that you've exhausted these options, and these alternatives.

[SPEAKER_00]: Most of you watching this can solve your debt problem without damaging your credit at all.

[SPEAKER_00]: You all know me, I teach a debt snowball method.

[SPEAKER_00]: We're going to link that free PDF inside of the book and how to use a debt snowball method to get out of debt.

[SPEAKER_00]: But real quickly, you go and list all of your debt from smallest to largest.

[SPEAKER_00]: You're going to make the minimums.

[SPEAKER_00]: on everything, then attack the smallest debt with everything you've got.

[SPEAKER_00]: When it's going, you're going to take that payment and add it to the next smallest debt.

[SPEAKER_00]: This method has not only just helped me, but have helped literally millions of our family members become debt-free without destroying their credit, honestly, help them.

[SPEAKER_00]: So again, we're going to put the link to that book down below.

[SPEAKER_00]: Alternative number two is you can try and direct negotiating with your creditors.

[SPEAKER_00]: You can call your creditors today, ask for hardship programs, meaning we reduce your interest rate, lower your payments, or even settle for less than what you honestly owe without going through a debt relief company.

[SPEAKER_00]: And here's the third alternative, non-profit credit counseling.

[SPEAKER_00]: You can go to organizations like NFCC to find legitimate credit counseling agencies.

[SPEAKER_00]: They have 68 to about 70% success rates and cost under $1,000 on total, way less than debt relief.

[SPEAKER_00]: They only go up to a certain amount and honestly, they're not as aggressive, right?

[SPEAKER_00]: But it's another option, it's another option.

[SPEAKER_00]: I'll turn it number four.

[SPEAKER_00]: You can do some debt consolidation.

[SPEAKER_00]: Remember, if you still have decent credit, you might qualify for consolidation loan of 6 to 12% interest.

[SPEAKER_00]: We only consider this, though.

[SPEAKER_00]: If...

[SPEAKER_00]: we're paying more than six and twelve percent.

[SPEAKER_00]: So if you're paying 18% and you can get it at a say in a middle of eight to nine percent, that is a good refight.

[SPEAKER_00]: Do that because now you're saving money in the long run and this will save you thousands of interest and get you even debt free faster.

[SPEAKER_00]: Because I want you to try these.

[SPEAKER_00]: I want you to try these.

[SPEAKER_00]: But I do believe some [SPEAKER_00]: That's fine.

[SPEAKER_00]: Listen.

[SPEAKER_00]: If you've listened to everything, I've said, and debt relief still feels like it makes sense for your situation.

[SPEAKER_00]: I want you to consider it.

[SPEAKER_00]: Or just consider it.

[SPEAKER_00]: I have reached out to these two companies and they're going to give you a free evaluation.

[SPEAKER_00]: Freedom debt relief and accredited debt relief needs two companies.

[SPEAKER_00]: I do trust.

[SPEAKER_00]: No payment required at all.

[SPEAKER_00]: No commitment, just information.

[SPEAKER_00]: All you have to do is go to www.anthinunil.com for slash debt relief right now.

[SPEAKER_00]: That is, www.anthinunil.com for slash debt relief.

[SPEAKER_00]: And I want to say this clearly again.

[SPEAKER_00]: You're not paying anything up front to sign up.

[SPEAKER_00]: You're not committing to anything.

[SPEAKER_00]: You're just getting a free e-valuation to see if you qualify.

[SPEAKER_00]: And if it makes sense for your situation or you and your family's situation.

[SPEAKER_00]: use the 15 questions that are in the show notes, take notes, ask the hard questions, and remember legitimate companies never charge upfront fees and legitimate companies always provide some level of education along with answering their information.

[SPEAKER_00]: If they ask for money up front, hang the freaking phone up.

[SPEAKER_00]: If they press you to sign up immediately, I need you to hang the phone up.

[SPEAKER_00]: If they can't answer the questions that they answered for me, hang the phone up.

[SPEAKER_00]: But the key thing is, call both, call both, and call it for both.

[SPEAKER_00]: and see which one do you feel comfortable with?

[SPEAKER_00]: Go to anthonyo.com for slash debt relief.

[SPEAKER_00]: Get your free valuations with freedom, debt relief, or credit debt relief, but only, if you made a criteria, we talked about.

[SPEAKER_00]: All right, I know debt fills a little overwhelming.

[SPEAKER_00]: Let's be honest.

[SPEAKER_00]: I know it still is your piece, and it keeps you up at night.

[SPEAKER_00]: I remember those days.

[SPEAKER_00]: but your financial freedom is possible.

[SPEAKER_00]: Whether it's the death snowball, credit counseling, consolidation, or yes, even debt relief for some, there is a path forward.

[SPEAKER_00]: the key is choosing the right path for your situation.

[SPEAKER_00]: And one of the things I was guilty of in my past was saying, this is the only way to go.

[SPEAKER_00]: But in 2025 and beyond, I believe we need 2025 options because night everybody's in the same situation.

[SPEAKER_00]: And I think the saddest part for me is seeing some of my community members filed bankruptcy.

[SPEAKER_00]: when I wish some of them would have did this.

[SPEAKER_00]: Honestly, because bankruptcy impacts you for eight years.

[SPEAKER_00]: Don't let desperation make you choose the wrong situation.

[SPEAKER_00]: Shoot the fact that you're not your dad.

[SPEAKER_00]: You are not your credit score.

[SPEAKER_00]: You are a child of God, who was fearfully and wonderfully made with a purpose and a future.

[SPEAKER_00]: This debt is temporary, but the decision you made today will impact you and your family for years to come.

[SPEAKER_00]: And I wanna end today's episode [SPEAKER_00]: Everything I've shared today is educational content only.

[SPEAKER_00]: This is not personal financial advice.

[SPEAKER_00]: I gotta start saying that.

[SPEAKER_00]: If you, I'm always recommending sit down and talk to a financial advisor.

[SPEAKER_00]: Wow, yes, I have the credentials and the degrees behind me now.

[SPEAKER_00]: Every situation is different.

[SPEAKER_00]: And I'm always suggesting sit down and talk to a financial advisor so they can go deeper into your situation, okay?

[SPEAKER_00]: I'm excited about what we're doing.

[SPEAKER_00]: I'm excited about what we're going as a community.

[SPEAKER_00]: I'm excited about, man, we got a million subscribers.

[SPEAKER_00]: Wow.

[SPEAKER_00]: I'm excited.

[SPEAKER_00]: I really am.

[SPEAKER_00]: This video, if this video helped you, do me a favor.

[SPEAKER_00]: Share this with the friend.

[SPEAKER_00]: Hit that like button, hit that thumbs up button.

[SPEAKER_00]: And studies are even showing us that right now about 60% of you are watching or still not subscribe to our channel.

[SPEAKER_00]: That's fine, but join us today if you can.

[SPEAKER_00]: All right, Shaboy Anthony O'Neill remember to go to Anthony O'Neill dot com for slash debt relief if debt relief makes sense for your situation.

[SPEAKER_00]: Or if you just need any other tools resources in the help along your journey just go to Anthony O'Neill dot com's a lot of.

[SPEAKER_00]: resources, what out there, all right?

[SPEAKER_00]: Your breakthroughs coming, y'all.

[SPEAKER_00]: All right, it's coming.

[SPEAKER_00]: Keep fighting for your financial freedom, and I'll see y'all soon.

[SPEAKER_00]: I gotta go.

[SPEAKER_00]: I gotta lunch date.