Debt relief companies are a popular choice for people who are struggling to manage their debts. They offer a variety of services to help people reduce or eliminate their debt burden. But is this really a good option for you? Before deciding to use a debt relief company, there are a few things to consider. Listen in as Ashley discusses some of these points and offers some guidance to help you make the right choice. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “So definitely before you commit to any kind of debt relief program, know your numbers so that you can make the best decision for you and you need to know your options and when you know your numbers and know what you can actually afford, things will get clear and you'll be able to make a more informed decision.” - Ashley Patrick Timestamps: 01:17 - The Budget Bestie Meetup 03:10 - Should you use a debt relief company? 06:03 - Debt relief scams 06:47 - How it affects your credit score 09:47 - Talk to a bankruptcy attorney 10:46 - Do your research 12:04 - Know what the tax implications are 13:04 - Have a money plan 15:59 - About credit score 23:40 - Wins for February 31:24 - How to sign up for a Budget Bestie Meetup Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup. And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: Book your Budget Bestie Meetup episode here - www.budgetsmadeeasy.com/meetup Connect with Ashley: Instagram: www.instagram.com/budgetsmadeeasy

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“What did the council decide on item 42?” — answered with the speaker and the moment.