Sentences with phrase «cost debt management programs»

We also offer low - cost debt management programs and free educational materials, including a debt consolidation calculator.

Since 1991, we've provided free credit counseling and a low - cost debt management program that has helped thousands of people just like you take back control of your finances and get out of debt for good.

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.

Monthly service fees and a one time enrollment fee from clients enrolled in our Debt Management Program (These funds are used to help defray administrative costs of the DMP and are not fees for counseling.)

So, before you enroll in a debt management program find out exactly how the program works, how much it costs you and what happen if you can not pay on time.

Does it depend on the type or size of debt that exists or can a debt consolidation program be a more cost - effective route to debt management?

In a previous article we compared the cost of 4 different debt relief programs and determined that in most cases a consumer proposal offers the lowest possible monthly payment, significantly better even than a debt management plan.

To help you compare the potential cost and monthly payment options under each program, we have created a free, excel workbook for you to download: Debt Management Plan vs Consumer Proposal Debt Payment Calculator

If your counselor advises you to enroll in a Debt Management Program, you will pay a start - up fee and a nominal monthly fee to cover the costs of servicing your account.

How much does it cost for a debt management program?

In the case of the latter, they may recommend you join a debt management program, which is a service that is NOT free, but is low cost.

The cost of setting up a debt management program varies by state and depends on your budget.

Our debt management program offers substantial benefits without some of the costs and risks associated with debt settlement: