Sentences with phrase «most debt management programs»

Most debt management programs require participants to be employed, since a regular income is key to making the monthly payments.

Not exact matches

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Most reputable debt management companies offer 3 - to - 5 year programs to eliminate all debt.

Most of these companies offer more than one type of debt management or consolidation program.

In a previous article we compared the cost of 4 different debt relief programs and determined that in most cases a consumer proposal offers the lowest possible monthly payment, significantly better even than a debt management plan.

Within these options, two programs tend to attract the most attention: a Debt Management Program and a Consumer Proposal.

Most debt consolidation programs offer first - time free counseling on money management.

One of our most effective debt relief programs is our debt management program.

Debt management counseling or debt counseling is one of the most well liked programs among many debt relief programs available toDebt management counseling or debt counseling is one of the most well liked programs among many debt relief programs available todebt counseling is one of the most well liked programs among many debt relief programs available todebt relief programs available today.

This is most commonly seen with debt consolidation loans and debt management programs.

Debt consolidation and debt management programs are offered as alternatives during those classes, but Badgley said when too much time and debt have accumulated, bankruptcy is the most viable optDebt consolidation and debt management programs are offered as alternatives during those classes, but Badgley said when too much time and debt have accumulated, bankruptcy is the most viable optdebt management programs are offered as alternatives during those classes, but Badgley said when too much time and debt have accumulated, bankruptcy is the most viable optdebt have accumulated, bankruptcy is the most viable option.

If your credit card debt is higher — as it is for most people — a debt management program might be a better fix.

In most cases the debt management program will help you pay off your unsecured debt within 5 years by reducing interest rates, stopping late and over the limit fees and consolidating your debt into one easy monthly payment.