Sentences with phrase «by debt management services»

This is a service offered by debt management services to pay off debts.

The services provided by the debt management service will vary depending on the organization.

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.

a) the value of any imported goods; b) the value of any imported services, including management services; c) any amounts remitted out of Zambia whether unrequited (gratuitous) or otherwise; d) the amounts, if any, deposited abroad but generated by a person resident in Zambia from the supply of goods produced or services rendered in Zambia; e) loans granted to non-residents; f) trade credits from non-residents; g) investments made in the form of equity outside Zambia by persons resident in Zambia; and h) investments made in the form of debt securities outside Zambia by persons resident in Zambia.

Insolvency and debt management services in our Toronto Yonge and Bloor office are provided by Licensed Insolvency Trustee and Consumer Proposal Administrator, Sandra Sykora.

Learn more about debt management affiliate programs by contacting Golden Financial Services today.

Debt management services are one of many services offered by nonprofit credit counseling agencies or for - profit debt management companDebt management services are one of many services offered by nonprofit credit counseling agencies or for - profit debt management compandebt management companies.

Some of the criteria established by the NASFAA Monograph include: loan cost, quality of customer service, problem resolution (responsiveness to complaints), lender default rates and lender default aversion efforts (including early intervention), ease of loan certification process, 24/7/365 availability to borrowers, disbursement flexibility, loan products offered (Stafford Loan, Parent PLUS Loan, Grad PLUS Loan, Private Student Loan, Consolidation Loan), borrower preferences for national and local lenders, life of loan servicing, entrance and exit counseling, financial literacy and debt management counseling, clarity and accuracy of lender marketing materials and web site, protection of borrower privacy, response time for processing loan applications, and quality of lender toll free telephone numbers and call centers (e.g., hold times and complexity of phone menus).

There are arguments for both models; proponents of the fee - charging model (most debt management companies) will say they provide better service and that the advice given by non-fee-charging organisations is likely to be biased towards Debt Management due to the way they are fundebt management companies) will say they provide better service and that the advice given by non-fee-charging organisations is likely to be biased towards Debt Management due to the way they amanagement companies) will say they provide better service and that the advice given by non-fee-charging organisations is likely to be biased towards Debt Management due to the way they are funDebt Management due to the way they aManagement due to the way they are funded.

Non profit debt consolidation programs, or debt management programs, are plans that are designed by not - for - profit debt consolidation services to help consumers control their debts.

Credit counselling also refers to the service offered by not - for - profit credit counselling agencies to help you develop a repayment plan to repay your debts in full known as a Debt Management Plan.

Burdened by credit card debt, many people wonder how to find the ideal debt management services.

Unfortunately, debt management services are largely unregulated by law and the industry has been prone to scams and to services not delivered.

(1) The following shall be exempt from the Credit Services Organization Act: (a) A person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States or a lender approved by the United States Secretary of Housing and Urban Development for participation in a mortgage insurance program under the National Housing Act, 12 U.S.C. 1701 et seq.; (b) A bank or savings and loan association whose deposit or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or a subsidiary of such a bank or savings and loan association; (c) A credit union doing business in this state; (d) A nonprofit organization exempt from taxation under section 501 (c)(3) of the Internal Revenue Code; (e) A person licensed as a real estate broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 69 - 1217.

However, for people crushed by unsecured debt — usually credit cards bearing painful interest rates — Ramsey resolutely avoids ready remedies like consulting a nonprofit credit counseling service, enrolling in a debt management program or seeking a lower - interest debt consolidation loan.

(c) Ifa consumer rescinds the debt management services agreement, all funds held inthe trust accounton behalf of such consumer shall be refunded to the consumer within 10 calendardays from receipt ofrescission by the registrant.

Countless customer reviews can attest to the superior service and peace of mind they bring their customers — with many users lauding the professionalism, kindness and understanding shown to them by their debt management advocate.

It has been winding it's way through the courts since 2003 and it was filed by Andrew and Kelly Zimmerman against John and Richard Puccio (the defendants), Cambridge Credit Counseling Corp., Cambridge / Brighton Budget Planning Corp., Brighton Credit Management Corp., Cambridge Credit Corp., Brighton Credit Corp., Brighton Debt Management Services, Ltd., Brighton Credit Corp. of Massachusetts, Debt Relief Clearinghouse, Ltd., Cypress Advertising and Promotions, Southfork Asset Management Corp., and First Consumers Credit Management Corp..

Companies that charge a fee argue that you receive a much better service from them than you would get in a non-fee charging Debt Management Plan, which are usually, according to them, administered by «over-stretched» debt charitDebt Management Plan, which are usually, according to them, administered by «over-stretched» debt charitdebt charities.

In Vaughan (Woodbridge), our debt management services are provided by Licensed Insolvency Trustee Jason Quinney.

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.

By choosing not to provide any debt management or mortgage lending services directly on DebtHelp.com, we are able to provide a truly unique, unbiased and smart solution for your debt help needs.

A tipster (send in your tips here) forwarded me a copy of the April 6, 2011 correspondence by The Association of Settlement Companies (TASC) on the proposed amendment of the Delaware code relating to debt management services...

Debt management plans are offered by nonprofit consumer credit counseling services throughout the country.

However, due to action by the States, the FTC, and the Internal Revenue Service, debt management abuses have been greatly reduced.

The trustees at Hoyes Michalos are experienced, caring individuals, licensed by the Government of Canada in areas of debt management services including:

A Debt Management Plan, or DMP, is usually provided and serviced by a credit counseling agency.

Credit card debt management and credit card debt counseling services can be used interchangeably by some debt service organizations.

In other words, a debt management plan is one of the services provided by a credit counselor on your behalf.