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Larissa from Oakview Financial. How are you? That's good. How how did your appointment go yesterday?\n\nSorry. What was that? Sorry. You just dropped a bit. Mhmm.\n\nYep. Okay. Alright. So yep. Yes.\n\nYeah. Yeah. It's basically like a a debt restructuring where they yeah. Where, basically, we claim hardship, try and get debts reduced, things cleaned up, and go from there. Yeah.\n\nHi. Cool. Yes. Yeah. Hi.\n\nSo couple of steps, bit of a a review process, but it looks like she got you pretty well handed, which is good. I'm glad that she's looking at basically the get first before jumping straight into bankruptcy or or part nine, which is really good. Alright. Yep. Okay.\n\nThat's good. So it'll it'll give it a little bit more I guess, will enable you to pay it off and and actually have room to breathe and live. Not just the you paying off debts and and not have any money for groceries and everything else. 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I'm not doing bankruptcy. But I'm not I'm not doing bankruptcy. Yeah. We're gonna try we're gonna try to do it anyway. Where where she was she did suggest the part nine agreement, but then but she's gonna try and do that herself instead of going through the usual part nine. I mean, she's gonna try and do the same sort of thing for me, but with through her instead of going through one of those other things. She's gonna give you advice. If you guys wanna get the interest lower then the follow-up but, I mean, like, zero interest plus she's gonna try and get the payment there for me up lower and then just have, like, a sort of, like, a small payment sort of thing and set up. Yeah. Yeah. Right. So she's Yes. Yeah. I'm trying to get my my payments down to, like, $100 a week for stuff, but, like, trying to get it down to a $100 a week for my for software. But one of them at the moment is, like, 300 so Yeah. Yeah. Yeah. What? I didn't say about maybe start another business soon. 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I'm not doing bankruptcy. But I'm not I'm not doing bankruptcy. Yeah. We're gonna try we're gonna try to do it anyway.\n\nWhere where she was she did suggest the part nine agreement, but then but she's gonna try and do that herself instead of going through the usual part nine. I mean, she's gonna try and do the same sort of thing for me, but with through her instead of going through one of those other things. She's gonna give you advice. If you guys wanna get the interest lower then the follow-up but, I mean, like, zero interest plus she's gonna try and get the payment there for me up lower and then just have, like, a sort of, like, a small payment sort of thing and set up. Yeah.\n\nYeah. Right. So she's Yes. Yeah. I'm trying to get my my payments down to, like, $100 a week for stuff, but, like, trying to get it down to a $100 a week for my for software.\n\nBut one of them at the moment is, like, 300 so Yeah. Yeah. Yeah. What? I didn't say about maybe start another business soon.\n\nSo so that's why she Yeah. Yep. Yeah. I did I did wanna start my business soon too. Yeah.\n\nYep.","paragraphs":[{"sentences":[{"text":"Yeah.","start":14.975,"end":15.135,"sentiment":"neutral","sentiment_score":0.002516459673643112},{"text":"I'm not doing bankruptcy.","start":15.135,"end":16.195,"sentiment":"neutral","sentiment_score":-0.2643030099570751},{"text":"But I'm not I'm not doing bankruptcy.","start":20.735,"end":23.235,"sentiment":"neutral","sentiment_score":-0.18609791142599924},{"text":"Yeah.","start":25.375,"end":25.615,"sentiment":"neutral","sentiment_score":-0.001557089388370514},{"text":"We're gonna try we're gonna try to do it anyway.","start":25.615,"end":27.215,"sentiment":"neutral","sentiment_score":0.0517114207148552}],"sentiment":"neutral","sentiment_score":-0.08007929749462915,"num_words":23,"start":14.975,"end":27.215},{"sentences":[{"text":"Where where she was she did suggest the part nine agreement, but then but she's gonna try and do that herself instead of going through the usual part nine.","start":27.215,"end":35.629997,"sentiment":"neutral","sentiment_score":-0.031210782455986942},{"text":"I mean, she's gonna try and do the same sort of thing for me, but with through her instead of going through one of those other things.","start":35.629997,"end":44.824997,"sentiment":"neutral","sentiment_score":0.010868000004578519},{"text":"She's gonna give you advice.","start":44.824997,"end":45.785,"sentiment":"neutral","sentiment_score":0.17750442326068877},{"text":"If you guys wanna get the interest lower then the follow-up but, I mean, like, zero interest plus she's gonna try and get the payment there for me up lower and then just have, like, a sort of, like, a small payment sort of thing and set up.","start":45.785,"end":58.73,"sentiment":"neutral","sentiment_score":0.08111572455770026},{"text":"Yeah.","start":61.11,"end":61.61,"sentiment":"neutral","sentiment_score":0.02336398884654045}],"sentiment":"neutral","sentiment_score":0.038116038116541774,"num_words":110,"start":27.215,"end":61.61},{"sentences":[{"text":"Yeah.","start":71.11,"end":71.59,"sentiment":"neutral","sentiment_score":0.0672416239976883},{"text":"Right.","start":71.59,"end":71.75,"sentiment":"neutral","sentiment_score":0.08129604160785675},{"text":"So she's Yes.","start":71.75,"end":99.895004,"sentiment":"neutral","sentiment_score":0.09715450306733449},{"text":"Yeah.","start":99.895004,"end":99.935005,"sentiment":"neutral","sentiment_score":0.09114803373813628},{"text":"I'm trying to get my my payments down to, like, $100 a week for stuff, but, like, trying to get it down to a $100 a week for my for software.","start":99.935005,"end":109.195,"sentiment":"neutral","sentiment_score":0.06077656672606545}],"sentiment":"neutral","sentiment_score":0.06527629127172199,"num_words":37,"start":71.11,"end":109.195},{"sentences":[{"text":"But one of them at the moment is, like, 300 so Yeah.","start":109.575005,"end":130.195,"sentiment":"neutral","sentiment_score":0.040174809439728655},{"text":"Yeah.","start":130.975,"end":131.475,"sentiment":"neutral","sentiment_score":0.18970723450183868},{"text":"Yeah.","start":133.695,"end":134.195,"sentiment":"neutral","sentiment_score":0.04798624664545059},{"text":"What?","start":134.495,"end":134.995,"sentiment":"neutral","sentiment_score":0.00546601228415966},{"text":"I didn't say about maybe start another business soon.","start":135.05501,"end":137.455,"sentiment":"neutral","sentiment_score":-0.029859500626722973}],"sentiment":"neutral","sentiment_score":0.01902173754448692,"num_words":24,"start":109.575005,"end":137.455},{"sentences":[{"text":"So so that's why she Yeah.","start":137.455,"end":141.32999,"sentiment":"neutral","sentiment_score":-0.038045684807002544},{"text":"Yep.","start":143.59,"end":144.09,"sentiment":"neutral","sentiment_score":0.05574333295226097},{"text":"Yeah.","start":146.34999,"end":146.59,"sentiment":"neutral","sentiment_score":0.046813417226076126},{"text":"I did I did wanna start my business soon too.","start":146.59,"end":148.84999,"sentiment":"neutral","sentiment_score":0.06185465585440397},{"text":"Yeah.","start":151.54999,"end":152.04999,"sentiment":"neutral","sentiment_score":0.16778698563575745}],"sentiment":"neutral","sentiment_score":0.034769272921901,"num_words":19,"start":137.455,"end":152.04999},{"sentences":[{"text":"Yep.","start":152.10999,"end":152.60999,"sentiment":"neutral","sentiment_score":-0.09806694090366364}],"sentiment":"neutral","sentiment_score":-0.09806694090366364,"num_words":1,"start":152.10999,"end":152.60999}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Steven. Larissa from Oakview Financial. How are you? That's good. How how did your appointment go yesterday?\n\nChannel 1: Yeah. I'm not doing bankruptcy.\n\nChannel 0: Sorry. What was that? Sorry. You just\n\nChannel 1: But\n\nChannel 0: dropped\n\nChannel 1: I'm\n\nChannel 0: a bit.\n\nChannel 1: not I'm not doing bankruptcy. Yeah. We're gonna try we're gonna try to do it anyway. Where where she was she did suggest the part nine\n\nChannel 0: Mhmm.\n\nChannel 1: agreement, but then but she's gonna try and do that herself instead of going through the usual part nine. I mean, she's gonna try and do the same sort of thing\n\nChannel 0: Yep.\n\nChannel 1: for me, but with through her instead of going through one of those other\n\nChannel 0: Okay. Alright.\n\nChannel 1: things. She's gonna give you advice. If you guys wanna get the interest lower then\n\nChannel 0: So\n\nChannel 1: the follow-up\n\nChannel 0: yep.\n\nChannel 1: but, I mean, like, zero interest plus she's gonna try and get the payment there for me up lower and then just have, like, a sort of, like, a small payment sort of thing and set\n\nChannel 0: Yes.\n\nChannel 1: up.\n\nChannel 0: Yeah. Yeah. It's basically like a a debt restructuring\n\nChannel 1: Yeah.\n\nChannel 0: where they yeah. Where, basically, we claim hardship, try and get debts reduced, things cleaned up, and go from there.\n\nChannel 1: Yeah. Right. So she's\n\nChannel 0: Yeah. Hi. Cool. Yes. Yeah.\n\nHi. So couple of steps, bit of a a review process, but it looks like she got you pretty well handed, which is good. I'm glad that she's looking at basically the get first before jumping straight into bankruptcy or or part nine, which is really good.\n\nChannel 1: Yes. Yeah. I'm trying to get\n\nChannel 0: Alright.\n\nChannel 1: my my payments down to, like, $100 a week for stuff, but, like, trying to get it down\n\nChannel 0: Yep.\n\nChannel 1: to a $100 a week for my for software. But one of them at the moment is, like, 300 so\n\nChannel 0: Okay. That's good. So it'll it'll give it a little bit more I guess, will enable you to pay it off and and actually have\n\nChannel 1: Yeah.\n\nChannel 0: room to breathe and\n\nChannel 1: Yeah.\n\nChannel 0: live.\n\nChannel 1: Yeah. What? I didn't say about maybe start another business soon. So so that's\n\nChannel 0: Not\n\nChannel 1: why\n\nChannel 0: just\n\nChannel 1: she\n\nChannel 0: the you paying off debts and and not have\n\nChannel 1: Yeah.\n\nChannel 0: any money for groceries and everything else.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: No.\n\nChannel 1: I did I did wanna start my business soon too.\n\nChannel 0: You still there, Steven? Hello?\n\nChannel 1: Yeah. 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