Sentences with phrase «as debt management companies»

If you think that sounds like what student loan assistance companies are offering, as a growing number of regulators do, then these student loan companies need to be registered as debt management companies, be bonded, and a number of other very strict guidelines.

Not exact matches

Even to him, taking a part - time position to pay down more of his debt seemed like a peculiar thing to do as a Harvard MBA with a six - figure management job at a Fortune 50 company.

While rising commodity prices have certainly played their part in lifting Teck's business, management's decision to wind down capital spending as new projects come on line has allowed the company to reduce debt and significantly boost free cash flow.

Taking on that kind of debt would be a risk the company can ill afford amid headwinds in Canada as consumers carry record debt, said Stephen Groff, who helps run $ 6 billion as a portfolio manager at Cambridge Global Asset Management, a unit of CI Investments Inc..

However, as a counter to these strengths, we find that the company has favored debt over equity in the management of its balance sheet.»

New Energy Capital Partners, LLC («NEC»), a leading alternative asset management firm focused on debt and equity investments in small - and mid-sized clean energy infrastructure projects and companies, today announced its appointment as sub-advisor to North Sky Capital's Alliance Fund... Continue reading →

The company's weaknesses can be seen in multiple areas, such as its generally high debt management risk, disappointing return on equity and generally disappointing historical performance in the stock itself.»

Management believes that the non-GAAP measure of Adjusted EBITDA is useful as an indicator of an oil and gas exploration and production company's ability to internally fund exploration and development activities and to service or incur additional debt.

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.

As CuraDebt reviews describe, the company's whose core purpose is providing debt management services can help anyone including mothers seeking freedom from overwhelming debt.

A debt management company will often charge up - front fees as a «set up» charge and is paid a kickback or «fair share» as a percentage of the surplus that is paid to your creditor.

The company practices debt negotiation as well as debt management and counseling.

While both offer financial advice such as creating a budget and managing money a debt management company goes even further.

This should include descriptions of all services that you will get and the cost of those services as well as a disclosure that the debt management company may impact your credit report and credit scores.

In October 2007, Maryland Attorney General Doug Gansler announced that his office's Consumer Protection Division had reached a settlement with Richard Brennan, the Law Offices of Richard Brennan, LLC, and a related company called American Telecommunications Solutions LLC (collectively referred to as the Brennan Law Firm) in connection with their debt management and debt settlement services.

Other services of non profit debt consolidation companies include money management budgeting as well as financial education.

Debtors with financial dilemmas run into the arms of debt management companies to be rescued and act as the subordinates between them and the creditors.

Debt management resources can guide consumers to the high ground of debt relief as many credit management companies discover the need for debtor assistance and educatDebt management resources can guide consumers to the high ground of debt relief as many credit management companies discover the need for debtor assistance and educatdebt relief as many credit management companies discover the need for debtor assistance and education.

But is there a chance that given the extreme lack of risk taking and lending by banks that even healthy companies may cut dividends simply as a risk management mechanism to save capital in case their banks / debt holders are so risk averse that they do not roll over existing debt?

Sometimes these agencies are referred to as a «debt consolidation company» and their services can include debt consolidation programs and debt management programs.

You can hire a credit repair company that offer other credit repair services such as credit counseling or debt management programs.

The type of services covered under the new rules are companies that promise to 1) work with a creditor to settle the debt for a lesser amount than is owed, (debt settlement companies) 2) work with all of a consumer's unsecured creditors to promulgate a debt management plan to vary the terms of all such debts, under a debt management plan (debt management companies) and 3) negotiate with a creditor to lower the interest rate of the outstanding debt and / or waiver of certain debt fees, such as late fees or over the limit fees (debt negotiation companies).

As another example, the previously successful hedge fund, Long Term Capital Management (LTCM), was driven into the ground in 1998 as a result of the ripple effect caused by the Russian government's debt default, something the company's computer models could not have predicteAs another example, the previously successful hedge fund, Long Term Capital Management (LTCM), was driven into the ground in 1998 as a result of the ripple effect caused by the Russian government's debt default, something the company's computer models could not have predicteas a result of the ripple effect caused by the Russian government's debt default, something the company's computer models could not have predicted.

Also, I agree with debt management programs as long as they are absolutely necessary but, I hate when those companies call people that don't need them and talk them into a plan that does more harm than good!

The survey reveals 84 % of companies now have financial security programs, such as access to debt management tools or student loan counseling, in their well - being strategies, an increase from 76 % last year.

It's important not to confuse debt consolidation with debt management or debt settlement, even though some companies offering the latter two will advertise themselves as debt consolidation services.

Rather than contacting your creditors to negotiate a lower interest rate (as was the case with the debt management plan), debt settlement companies negotiate to pay less than the total debt.

* Charges are made by these other debt management companies for the arrangement of a Debt Management Plan (information correct as of 15th December 20debt management companies for the arrangement of a Debt Management Plan (information correct as of 15th Decemmanagement companies for the arrangement of a Debt Management Plan (information correct as of 15th December 20Debt Management Plan (information correct as of 15th DecemManagement Plan (information correct as of 15th December 2016).

The best Canadian mining companies are well - financed with low debt and good management The best way to invest in Canadian mining companies is through high - quality mining stocks as part of the Resource sector of your portfolio.

The simple action of swapping to StepChange Debt Charity has shaved over two years off the length of our plan as the money we were paying the management company now goes to our creditors instead!

The change is that companies offering debt relief services over the phone can not collect advance fees from you before settling or reducing your debt, before having an agreement for debt management or other services in place, or until you've made at least one payment to a creditor as a result of a plan negotiated by the debt relief provider.

Finding companies with sustainable dividends comes down to a handful of fundamental factors such as cash flow, debt coverage, the payout ratio, and management's commitment to the dividend.

In a debt management program, the counselors of the debt relief USA companies negotiate with your creditors for a repayment plan as per your budget.

If you already have a DMP and are being charged for it, some of your monthly payment may be going as fees to your debt management company.

A review of high - yield debt investments should cover: (1) analysis of the industry, including growth rates, special risks and leading companies; (2) analysis of the bond issuer, including the company's position in its industry; new products; management stability; the outlook for growth in revenues and cash flow as captured in Earnings Before Interest, Taxes, Depreciation and Amortization, also called EBITDA; value of corporate assets and the debt maturity schedule; and (3) analysis of the issue, including special provisions in the «bond indenture,» covenants protecting the bondholder, use of the money raised in bond offerings, debt seniority, secondary market liquidity and call provisions.

There are many companies advertising lots of different debt solutions, such as debt management plans, IVAs, bankruptcy, loan consolidation... the list goes on and on.

Reviews for most legitimate companies will at least have a general list of the types of services they handle such as debt consolidation, debt management or both.

There are numerous non-for-profit credit counselors as well as commercial debt management companies who can save you time and money in addition to helping you keep your home.

I can see that investors might be a bit spooked by this, as the company went into bankruptcy due to its high level of debt (which I might attribute to poor management), and the continuing restructuring charges might be construed as further management ineptitude.

I consider my valuation multiple a reasonable compromise between higher sector multiples & the risk of a devastating client loss... Plus it allows me to (fairly) comfortably apply a (positive) debt adjustment: Based on the company's 4.7 M of (annualized) adjusted operating profit (& zero debt), management could easily draw down 14.2 M of debt for expansion, acquisitions, etc. — as usual, I'll haircut this by 50 %.

Midland Credit Management, LLC or also known as MCM should be considered a harassment company versus a debt collection agency.

As an alternative to a credit repair counseling and credit card debt consolidation company, our debt counselors provide debt management credit counseling to help individuals and families find the credit card debt help they need to get out of debt for good.

A Credit Counseling Program, sometimes referred to as a Debt Management Plan, is a program established by the credit card companies to assist consumers struggling with large credit card balances.

As a charity, we offer free DMPs however some debt management companies charge for them.

Advised the trustee of a multi-national healthcare company on the potential debt arising in relation to its pension plan as a result of a sale and the management / reduction of that debt.

Not so in Chicago where a two individuals represented themselves as Chairman and President of a management company, collected monthly fees from 250 unit owners in 40 condominium associations from 2005 to 2008 and used approximately $ 2 million dollars of those monthly fees to pay a personal debt of theirs on a development project.

Our debt finance group is supported by members of other subgroups within the Business Department, including mergers and acquisitions (for all sizes of transactions, for public and private clients, and on both the buyer and seller sides), investment management (for clients with investment management divisions and matters), small business investment companies (for clients looking to form SBICs, obtain SBIC funding, or conduct portfolio financing transactions), securities (for public clients, particularly with respect to public and Rule 144A debt offerings), tax (including for cross-border transactions), ERISA / employee benefits and international (for clients with international operations and assets), as well as other practice groups within the Firm, including Cleantech & Renewables, Patent, Trademark, Copyright & Unfair Competition practices and the Labor and Employment practice.

London - based Sequoia as a specialist infrastructure debt asset management company with four decades of experience was willing to take the risk as an early market mover.

In a release, the firm said Mitsunaga has a deep understanding of the business and legal practices in the Hollywood and entertainment industries as he regularly represents broadcast, film production and distribution, talent management and toy and game companies on M&A matters, debt and equity finance transactions, and intellectual property matters.

We advise on debt and equity investments, including the use of bonds, loan notes and conversions, short term and working capital funding, as well as leveraged finance, asset finance, lease financing transactions, private equity transactions, management buy - ins and buy - outs, preparing companies for sale and routes to market.