Filing for bankruptcy in Minnesota can be overwhelming: collecting information, completing paperwork, and navigating the bankruptcy process on your own can be just as stressful
as being in debt!
The only thing that's almost as bad
as being in debt is your debt collectors.
«I am forever in their debt,
as I am in the debt of those who went on the gruelling campaign with me around the country, particularly, Alan Kyerematen and Otiko Afisa Djaba.
Not exact matches
Although the name has changed, it
's still the same industry once denoted
as «leveraged buyouts» — that
is, the business of buying companies with a thin slice of nonpublic equity and mountains of
debt,
in which fund managers grab richly generous (to themselves) fees.
Debt levels for the average Canadian household
are moving down (perhaps we've
been taking those warnings from the Bank of Canada to heart), and
as a result there
's been «modest» growth
in consumer spending, said Ferley.
It owns close to $ 4 trillion of our
debt, and
as the second - largest economy
in the world, it
's also responsible for roughly 15 percent of global exports.
Important factors that could cause actual results to differ materially from those reflected
in such forward - looking statements and that should
be considered
in evaluating our outlook include, but
are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases
in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest
in the Middle East or Asia; 7) customer cancellations or deferrals
as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions
in the industries and markets
in which we operate
in the U.S. and globally and any changes therein, including fluctuations
in foreign currency exchange rates; 9) the success and timely execution of key milestones such
as the receipt of necessary regulatory approvals, including our ability to obtain
in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance
debt, including our ability to obtain the
debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such
as U.S. export control laws and U.S. and foreign anti-bribery laws such
as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both
in the U.S. and abroad; 20) the effect of changes
in tax law, such
as the effect of The Tax Cuts and Jobs Act (the «TCJA») that
was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction
in our credit ratings; 22) our dependence on our suppliers,
as well
as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not
be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco
in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco
as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations
in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
Reuters reported last month it
is evaluating a sale of its TV operations
in Latin America
as it seeks to pay down
debt.
There
are additional transaction costs
in having the
debt certified, marketing the
debt as green and meeting the necessary disclosure requirements.
Since the recession ended
in mid-2009, the economy has
been expanding at sub-par rates
as a string of problems from higher gas prices to Europe's
debt crisis have acted
as a drag on the U.S. economy.
In effect, the state - owned construction firms will
be taking on
debt and investing — while hiring Western engineering and construction giants
as their subcontractors.
In order to come up with 10 names, we included six stocks with
debt ratings
as low
as BBB +, which
is still investment grade, albeit at the lower end of the scale.
Prices plummeted, but few producers
were willing to slow their pumping; many needed to bring
in as much cash
as possible to service their
debt.
The latest clinical trial outsourcing / drug development and manufacturing merger hit on Monday
as scientific instrument giant Thermo Fisher announced it would buy drug ingredients maker Patheon for $ 5.2 billion ($ 7.2 billion
is you count $ 2 billion
in net
debt).
As anyone who
's dodged calls from collections agents knows,
debt creates stress, which spawns all sorts of nasty offshoots
in the workplace: lowered productivity, higher absenteeism, toxic morale.
Household
debt as a percentage of disposable income
was was 163.3 %
in the first quarter, Statistics Canada reported last week — only marginally lower than the record 163.9 % ratio the agency calculated for the fourth quarter.
It
's a concept that
's already established
in the U.S., where firms such
as PwC offer student
debt subsidies (the firm gives junior associates a yearly benefit of $ 1,200 to go toward loans).
Also, while consumer
debt is falling and corporate
debt is not yet at crisis levels, keep
in mind that government
debt has skyrocketed — ironically,
as a response to slow growth
in the global economic system.
In April a 40 % stake in its parent, Glencore Agriculture Products, was quietly repatriated by the Canada Pension Plan Investment Board for US$ 2.5 billion as Glencore shed assets to pay down deb
In April a 40 % stake
in its parent, Glencore Agriculture Products, was quietly repatriated by the Canada Pension Plan Investment Board for US$ 2.5 billion as Glencore shed assets to pay down deb
in its parent, Glencore Agriculture Products,
was quietly repatriated by the Canada Pension Plan Investment Board for US$ 2.5 billion
as Glencore shed assets to pay down
debt.
The agreement we announced today
is a significant accomplishment,
as it allows us to definitively address the more than $ 20 billion
in debt that has burdened our capital structure.
But they faced a major obstacle
as they incorporated their Los Angeles - based company
in early 2015: Maylahn, now 24,
was graduating with $ 140,000
in student
debt.
In addition to that,
debt management
is also important,
as well
as the analysis of employees» productivity.
Another layer to this story
is the fact no other country
in the history of the modern world has accumulated
as much
debt as fast
as China.
In some cases, these retailers
were able to come to an agreement with their creditors and restructure their
debts without going through bankruptcy court,
as the threat of bankruptcy motivates the creditors to negotiate.
As of mid-2013, the crown corporation
is unprofitable and has $ 1 billion
in debt, a pension plan underfunded by $ 6 billion and negative net equity of nearly $ 3 billion.
The takeover, valued at $ 8 billion including
debt, has
been broadly welcomed
in a sport featuring famous car brands such
as Ferrari, McLaren and world champions Mercedes, and which has the Monaco Grand Prix
as its jewel
in the crown.
Pretty much from his first statements
as governor
in 2013 — that
's about $ 100,000 ago
in real estate appreciation terms — through to last week when the bank released its latest financial system review, Poloz has walked a tightrope between admitting that elevated house prices and
debt levels pose a risk to the economy, and assuring Canadians that the likelihood of a crash
is actually pretty low.
The banking system has
been weak for years
as most institutions have failed to deal with the high level of bad
debt in the wake of the financial crisis.
There
are plenty of risks globally that could shock the Canadian economy, such
as a renewed flare - up
in the European Union
debt crisis, or a slowdown
in China's rampant growth, which
is showing signs of overheating.
After growing up
in a financially unstable home, I didn't want to
be enslaved to
debt as an adult.
Dell did not say why it
is exploring a major deal, but previous media reports have speculated that it
is seeking financing to help pay off the $ 46 billion
in debt that it took on
as part of its EMC acquisition.
In the short - term, however, this increased leverage may actually
be bullish for junk bonds, corporate bonds, emerging market
debt and mortgage - backed securities
as it brings higher prices and lower yields, he said.
Three ways retailers
are staying
in the game
as millennials put
as much distance
as they can between them and potential
debt.
However, recently, the economic recovery seen
in Portugal since the sovereign
debt crisis has indeed begun affecting the way agencies such
as Moody's and Standard & Poor's see the economy, indicating that
in the near future more investors could
be considering buying Portuguese bonds.
Even though the dollar gets a bounce from the safety trade, especially when investors
are running from European default, the trend
in the dollar
is lower
as we dig ourselves deeper into
debt.
U.S. retail sales figures may well determine how Wall Street opens —
as well
as worries about Europe's
debt crisis, concerns over the U.S. economy have also
been behind the recent turmoil
in markets.
Now,
as the private sector unwind of
debt nears completion, the onus
is shifting to the public sector to address bloated
debt balances
in the year ahead.»
Although there may not
be a bond bubble, with investors starved for yield, Gundlach predicts a potential bubble could form
in credit risk
as investors increase their leverage on riskier
debt securities like junk bonds and emerging market
debt.
As everyone following the race now knows, I owe the IRS over $ 50,000
in deferred tax payments (I
am currently on a repayment plan) and hold more than $ 170,000
in credit card and student loan
debt.
Even though the Massachusetts filers owed substantially more
in unsecured
debt (that
is,
debt not backed by a home, a car, or another asset) than their counterparts
in other states, they reported less than half
as much medical
debt, which
is also unsecured.
U.S. government
debt prices
were mixed
in choppy trade
as investors eyed fresh economic data and remarks from Federal Reserve officials.
The drugstore chain said
in a Feb. 26 presentation it
was targeting
as much
as $ 44.8 billion of new
debt, but ended up offering $ 40 billion.
While it
's true that a good insurance policy can do much to reduce lawsuit worries and that many small, savvy businesses don't have
debt problems, it
's also true that businesses which face significant risks
in either of these areas should probably organize themselves
as a corporation or LLC.
While credit card
debt is generally something you should avoid, loans
are actually beneficial
as long
as you use them responsibly — especially when there
's no interest for a set period, like
in this case.
Pioneer has also pledged to retain more of its free cash flow, rather than spending it all and then some on capital expenditures and incurring
debt that could sap future profits,
as has
been common
in the industry.
And while business travel
in Western Europe has
been on the slower side,
as Spain, Italy, Portugal and Greece have struggled with crippling
debt, the GBTA says the worst
is over and expects business travel
in those regions to begin picking up.
The upheaval we've
been through
in the past few years
as the private
debt bubble burst
is only a preview of what
's to come, concludes Mauldin, the president of Millennium Wave Advisors (writing here with an editor for an economic analysis firm).
TechCrunch reports that SoundCloud's founders told staff during one of the post-redundancy all - hands meetings that investors had asked them
in March to make the job cuts
as part of a $ 70 million (# 54 million)
debt funding deal that
was first reported by Business Insider.
With the scandal set to hurt profits and
as funding costs climb, the
debt load will likely increase beyond 5 times Ebitda, Mizuho Securities USA said Thursday
in a note to clients, adding its internal credit rating on BRF
is now three steps below investment grade.
Total
debt as of March 31, 2018
was $ 5.7 billion, up from $ 5.4 billion
in 2017.