Sentences with phrase «back the debts included»

Your Chapter 7 bankruptcy, in which you don't pay back the debts included, comes off your credit report 10 years from the date you filed.

Not exact matches

Between 2008 and 2012, the federal government implemented a handful of ad - hoc policies meant to deter poorer households from taking on excessive debt, including the reduction of the maximum amortization period for government - backed home loans to 25 years from 40 years.

That came after the company had jumped into mortgage - backed securities, a complex package of debts that often meant higher margins for banks, yet often included poor quality loans.

Options include a donation model, a reward model, a debt model, one that offers royalties, and finally the newest approach, which allows equity (the purchase of company shares in exchange for the backing).

After the recession, the country spent trillions on infrastructure projects, with many banks, including unregulated or «shadow» banks, loaning money to companies that have been unable to pay back their debts.

debt obligations of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and / or refund outstanding debt; since Treasury securities are backed by the full faith and credit of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields than other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities include Treasury bills, Treasury notes, Treasury bonds, zero - coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions

Temasek - backed venture debt firm InnoVen Capital India Pvt. Ltd has invested Rs 110 crore ($ 16 million) in 13 startups including...

Kelter estimates if the company took on C$ 1 billion of debt and increased its leverage to three times EBITDA including restructuring or rent costs, it could fund a C$ 6.50 special dividend or buy back up to 12 percent of shares.

The Barclays U.S. Aggregate Bond Index is a market value — weighted index of investment - grade fixed - rate debt issues, including government, corporate, asset - backed, and mortgage - backed securities, with maturities of one year or more.

In an effort to restart the securitization market, on November 25, the Fed announced the Term Asset Backed Securities Loan Facility (TALF).14 In December, the FOMC announced that it would begin to significantly expand its balance sheet through purchases of long - term assets including agency debt, agency mortgage - backed securities and long - term treasuries — the Large Scale Asset Purchase or LSAP prBacked Securities Loan Facility (TALF).14 In December, the FOMC announced that it would begin to significantly expand its balance sheet through purchases of long - term assets including agency debt, agency mortgage - backed securities and long - term treasuries — the Large Scale Asset Purchase or LSAP prbacked securities and long - term treasuries — the Large Scale Asset Purchase or LSAP program.

Short - term debt is used to finance assets that can be made liquid quickly (turned back into cash)-- examples include accounts receivable amounts, tax credits, newly signed contracts and inventory.

When the financial crisis hit the markets in 2008, the Federal Reserve embarked ultra easy monetary policy, which included cutting short - term interest rates to effectively 0 % while suppressing longer term interest rates through the purchases of long term Treasury debt and mortgage - backed securities — a program informally referred to as quantitative easing.

In the United States, the net corporate debt securities holdings of securities dealers, including securitisations backed by assets such as credit card debt, have fallen sharply since 2008.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

This is known as the total or «back - end» debt - to - income ratio, because it includes all monthly debts such as mortgage payments, credit cards, auto loan payments, etc..

This collateral (i.e., permissible vehicles investments) may include: (i) match - funded assets, and, (ii) debt securities, equity securities and other financial instruments issued or guaranteed by the US government or its agencies, sovereign governments, supra - national entities, corporations, financial institutions and asset - backed or mortgage - backed issuers that are the subject of credit support agreements.

The back - end ratio includes your PITI plus payments for accounts like auto loans, student debt, and credit cards, divided by your income.

The real estate segment invests in real estate equity for the acquisition and recapitalization of real estate assets, portfolios, platforms and operating companies, and real estate debt, including first mortgage and mezzanine loans, preferred equity and commercial mortgage backed securities.»

The government can withhold a portion of Social Security benefits to pay certain debts including back taxes, delinquent federal student loans, alimony and child support, Randall said.

Hartford Funds» new ETF joins two other already listed active fixed income ETFs sub-advised by Wellington (Hartford Corporate Bond ETF (NYSE: HCOR), an ETF focused on investment - grade corporate bonds, and Hartford Quality Bond ETF (NYSE: HQBD), a core bond ETF focused on investment grade debt, including mortgage - backed securities and US government securities).

The bond purchases were started March 2015 to help the eurozone bounce back from troubles over government and bank debt in several member countries including Greece, Ireland, Portugal, Cyprus, Spain and Italy.

Those problems» which include the morally reprehensible habit of loading mountains of unpayable debt onto the backs of future generations» can not be addressed without sustained economic growth that dramatically lowers the unemployment rate.

DiNapoli called for a host of reforms to curtail state borrowing, including a constitutional amendment to limit total debt to 5 % of New York's personal income and a ban on so - called back - door borrowing — the issuance of state - funded debt through public authorities and other entities.

** INCLUDES DEBT COLLECTOR SEASON ONE ** See my tiny name there at the back?

The total debt expense, or back ratio, compares your total monthly obligations including your total mortgage payment to your monthly income.

Looking back on it now and including all of my years of experience in providing debt relief services, since 1994, I think the fundamental lessons I've learned are:

In general, any account that has been placed with collections should be included in consolidation; this keeps the debt from further damaging your credit report, saves you a bundle in outrageous interest charges, and gets the creditor off your back almost immediately.

Deputy governor Carolyn Wilkins says data backing the soft landing scenario includes a slowdown in housing starts, cooling in the construction of condos and the plateauing of household debt ratios, although at levels near those that existed prior to the U.S. meltdown in 2008.

There are a myriad of challenges waiting for you, just past graduation, including paying back the student loan debt you may be accruing during your four years of becoming an adult.

This includes a debt consolidation account, car, bank loan, student loan medical bills, and back taxes...

Those include domestic and international sovereign and corporate debt, municipal bonds, mortgage - and asset - backed debt securities, convertible bonds and preferred stock.

In any of these circumstances, you may be entitled to «redeem» — or buy back — the vehicle by paying the full amount you owe (usually, that includes your past due payments and the entire remaining debt), in addition to the expenses connected with the repossession, like storage, preparation for sale, and attorney fees.

An unsecured debt is one that is not backed by collateral, and includes credit cards, medical bills and student loans.

Examples pertinent to this crisis included: the adjustable - rate mortgage; the bundling of subprime mortgages into mortgage - backed securities (MBS) or collateralized debt obligations (CDO) for sale to investors, a type of securitization; and a form of credit insurance called credit default swaps (CDS).

My previous picks include CQS New City High Yield, which holds bonds, shares and preference shares; Gravis Clean Energy, which invests in renewables; infrastructure - debt fund Sequoia Economic Infrastructure; medical - facilities fund MedicX; and HICL, which backs public - sector infrastructure.

The other recommended option is refinance loan that includes cash coming back to you if you need money or if you are carrying a lot of high rate credit card debt.

We are so confident in our services that we even include a 100 % money back guarantee with our non-attorney debt relief and student loan consolidation programs.

It can take many different forms, including partial loan forgiveness, debt consolidation, government - backed loan programs or other options.

These activities include issuing or buying back stock, issuing or repurchasing debt, and paying dividends to shareholders.

Anyone contemplating filing bankruptcy needs to understand that some debts - including mortgages, auto and student loans, taxes, back child support and alimony - are not covered by bankruptcy and must still be paid.

Obviously, it couldn't get much worse than having the IRS take control of your accounts — the same accounts you use to pay bills, buy groceries, etc. — so you'll want to do anything and everything you can to avoid this dramatic outcome, including contacting the IRS soon after being notified of your tax problems and beginning negotiations to reduce your back tax debt, or to get you set up on an affordable monthly installment repayment plan.

The back - end ratio shows what portion of your income is needed to cover all of your monthly debt obligations, including your student loans.

They can be redeemed for a wide variety of rewards, including travel, gift cards, merchandise, debt payments and cash back.

The Fund seeks to achieve this by investing primarily in the following categories of securities and instruments of corporations and other business entities: (i) secured and unsecured floating and fixed rate loans; (ii) bonds and other debt obligations; (iii) debt obligations of stressed, distressed and bankrupt issuers; (iv) structured products, including but not limited to, mortgage - backed and other asset - backed securities and collateralized debt obligations; (v) equities; (vi) other investment companies, including business development companies; and (vii) real estate investment trusts.

You will submit a proposal to settle the debt and provide evidence, which includes business and personal taxes as well as a complete list of your assets and debts, to back up this proposal.

Strategy: This fund is primarily invested in fixed income securities issued or guaranteed by the U.S. Government, its agencies, or instrumentalities, and corporate debt instruments, including but not limited to asset - backed and mortgage - backed securities rated not less than Baa3 / BBB - by two or more nationally recognized rating services.

However, they can not get the arrears back from you because they are a debt that will be included in your bankruptcy.

The back - end ratio indicates the percentage of income that goes toward paying all recurring debt payments that include those covered by the front - end ratio plus other debts like credit cards, car loans, student loans, child support, alimony, and legal judgments.

Come back for next week's post that will include a debt settlement resolution agreement template and steps to settle debt on your own.

Her dream list of what she would do when she was debt - free included moving back to Los Angeles, taking her mom to Italy and working for herself.