00:34:33 Chartonna "CECE": What a goal Ebony! 00:45:32 Ebony DuBois: @Chartonna thanks and any help/advice out there I am open to listening :) 00:49:04 Ebony DuBois: I need that 00:52:53 Eboni M.: When will 2.0 be available? 00:53:48 Eboni M.: Thanks! 00:58:08 Ebony DuBois: Its nice 00:58:23 Ebony DuBois: very detailed and gives a lot of space for follow up 01:00:53 Chartonna "CECE": put them on notice 01:01:06 Eboni M.: The probably don't have it 01:04:01 Benjamin: These are your protection under the CFPB 01:16:35 Rocco Fanelli: I have to jump to another meeting guys. I'll try back if my meeting ends early, but if not I'm gonna get fanatical & meet you all next year! 01:20:30 Ebony DuBois: Do not wait, perfect never gets done 01:27:05 Ebony DuBois: Make the mistakes they can not all be avoided sometimes its part of growth. 01:28:23 CDM Support Team (888)-959-1462: You can schedule your one on one session here: https://mccreditsolutioncoachingsession.acuityscheduling.com/schedule.php?appointmentType=2106265 01:29:22 Ebony DuBois: I have my 1 hour walkthrough this Monday!! WOOT! 01:46:12 Ebony DuBois: Look up the closet legal Aid to the client and get them to book an appointment. Do not complete the forms with them yourself. Help them book an appointment at a ZOOM workshop. 02:26:31 Ebony DuBois: MEDICAL EXPERIAN https://www.experian.com/blogs/ask-experian/what-happens-when-medical-bills-go-collections/ 02:27:10 Ebony DuBois: MEDICAL https://www.experian.com/blogs/ask-experian/how-to-dispute-medical-collections-from-your-credit-report/ 02:29:32 Ebony DuBois: MEDICAL https://www.experian.com/blogs/ask-experian/medical-collection-accounts-can-be-part-of-credit-report/ 02:30:19 Ebony DuBois: EQUIFAX MEDICAL LINK https://www.equifax.com/personal/education/credit/score/can-medical-debt-impact-credit-scores/ 02:32:45 Ebony DuBois: Document above here is the link for the IPHONE people lol https://www.irs.gov/publications/p4681 02:34:31 Belinda B Bennett: Thank you Eboni, your information is appreciated 02:40:21 Ebony DuBois: @Belinda you know we have to keep each other up 02:43:05 Belinda B Bennett: @Eboni, right on sis! 02:47:43 Ebony DuBois: How do you accept the consult? Use your Zoom when you talk to the client and record the meeting OR Use the telephone do not use FB or a chat app please the client will become exhausted of the back and forth. Practice great customer service. 02:48:15 Benjamin: Like you keep saying, why wake the giant if not necessary 02:48:26 Ebony DuBois: How does a student loan effect the client? It’s an installment loans it impacts your client’s Debt to Income (DTI Ratio) What do you need to know so they you can view the information the is really attached to the client for Student Loans. 02:48:58 Ebony DuBois: The Big 4 Loan Companies Student Loan Websites: WWW.FAFSA.GOV Grant application & Student Loan Federal Loan www.Studentaid.ed.gov/sa -Looking for loan information WWW.MYFEDLOAN.org -Federal Loan Database www.PHEAA.ORG 02:50:00 Ebony DuBois: Ensure you are provided a username and password to each location to start the review process and complete the consolidation quiz then discuss it with your client without revealing the process and without submitting the request online. This is worth up to $250. 02:50:54 Ebony DuBois: @Benjamin lol that part 02:53:19 Benjamin: But that is a real question? I personally have done that with a small debt for myself. If it is not on your report utilize it! 02:55:49 Ebony DuBois: this student loan book is free on Amazon for the IPHONE PEOPLE Here is the link Free with KINDLE .99 for everyone else I like this book is from 2015 tho so older https://www.amazon.com/Ways-Student-Loans-Without-Paying-ebook/dp/B0135O9J8Q/ref=sr_1_1?keywords=100+Ways+To+Get+Rid+Of+Your+Student+Loans&qid=1639622992&sr=8-1 03:05:48 Chartonna "CECE": First week of January 03:06:04 Ebony DuBois: Skipp 03:06:08 Sonya Brown: skip 03:06:09 Amin Shah: Skip 03:06:10 Keisha V: skip 03:06:10 Linda Pickens: skip 03:06:12 Serina Griffin: Skip 03:06:14 raventhomas: No skip 03:06:15 Rochely: No 03:06:18 Colleen Jeffrey: skip I will be in a motorhome 03:06:19 Wanda C: Skip 03:06:39 Belinda B Bennett: 29th 03:06:57 Benjamin: If this is the last meeting of the year, I hope that everyone has a safe and wonderful holiday season. 03:07:11 Ebony DuBois: Yes!! @Benjamin you too 03:07:39 CDM Support Team (888)-959-1462: Happy Holidays ♥♥ 03:07:56 Ebony DuBois: Be safe 03:07:58 raventhomas: Amen 03:08:01 Belinda B Bennett: Happy Holidays to you all. Thank you Mark for everything!! 03:08:22 Keisha V: happy holidays everyone! 03:08:38 Chartonna "CECE": Happy New Year Everyone. Please Keep our minds and bodies! 03:08:41 Zoilo Pichardo: Enjoy your holidays all 03:08:43 Keisha V: Thank you all for everything 03:08:46 Linda Pickens: Merry Christmas and Happy New Year. Stay safe 03:08:53 raventhomas: Merry Christmas! God Bless1 Happy New Year!