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hi everybody welcome back to the channel im sebastian bohr the approved guy and on this video im going to be talking about the difference between debt restructure and debt consolidation so without further ado lets get right to it [Music] so ive had a lot of people a lot of clients and prospects call and talk to me about just being over leveraged and having too much debt on their business or even on their personal you know asking me if i can help them with um that consolidation and um so ive had to explain this and i figured it would be a really good video for me to cover this topic whats the difference between debt consolidation and debt restructure all right so you may have some different interpretations but in my experience that consolidation is typically where youre hiring a third party a company who is going to contact your creditor okay your creditors could be your credit cards uh loans that you have open basically youre over leveraged you cannot afford your monthly payme