Sentences with phrase «at debt reduction services»

«It's really a fee for using someone else's money,» explains Todd Christensen, director of education at Debt Reduction Services, a nonprofit debt management and credit counseling organization in Boise, Idaho.

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.

The FTC's Telemarketing Sales Rule prohibit charging fees to your client prior to completing the debt reduction services you promise Since it may take months to complete a debt settlement, have enough money available to pay your expenses for at least six months until you build your business to a point where you are receiving reliable income.

If you're looking for credit card debt reduction services, remember that you are best served if you have at least $ 10,000 in debt and are looking to cut deals with your creditors.

At the Debt Consolidation and Debt Reduction Service, we do not give you debt consolidation loDebt Consolidation and Debt Reduction Service, we do not give you debt consolidation loDebt Reduction Service, we do not give you debt consolidation lodebt consolidation loans.

For most borrowers (other than gta borrowers at max debt servicing) the reduction in mortgage needed to pass stress test is much smaller than you suggest.

The first step toward debt reduction is taking an honest look at what you owe, says Laurie Campbell, CEO of Credit Canada Debt Solutions, a non-profit credit counselling service based in Torodebt reduction is taking an honest look at what you owe, says Laurie Campbell, CEO of Credit Canada Debt Solutions, a non-profit credit counselling service based in ToroDebt Solutions, a non-profit credit counselling service based in Toronto.