Sentences with phrase «cost debt management services»

In addition to free credit counseling and low - cost debt management services, ACCC offers reverse mortgage counseling sessions that provides helpful reverse mortgage information along with the certification required for certain reverse mortgage products.

As a nonprofit organization, our certified debt specialists provide free credit counseling and low - cost debt management services for dealing with credit card debt.

In addition to free credit counseling, we offer low - cost debt management services and a wealth of educational resources to help you take control of your finances and manage your money more effectively.

As a nonprofit organization devoted to helping people learn how to become debt free, we're able to offer free credit counseling and low - cost debt management services for consumers nationwide.

With free credit counseling and low - cost debt management services, we can help you evaluate all your options for debt forgiveness and make a plan to live life debt free.

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.)

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.

Basic services like counselling and debt management workshops are low cost or no cost, says Scott Hannah, president and CEO of the Credit Counselling Society.

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).

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.

Primary similarities include 1) the security business throws off a steady cash stream from «subscribers», therefore allowing the use of significant debt leverage, 2) acquisition costs are capitalized and shield cash income from taxes, and 3) operational success depends heavily on efficient «subscribers» acquisition (marketing) and retention or churn management (service).

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.

Basic services like counselling and debt management workshops are low cost — or in some cases no cost — and the money they can save you is more than worth your time.

We have a few select low - cost services and there are fees associated with using our debt management plan.

A Debt Management Director is a dedicated officer who is responsible in providing the necessary managerial skills and directs the people in charge of securing debt servicing and protecting its assets to work as a team and ensuring prompt payment with a least added cost to the compDebt Management Director is a dedicated officer who is responsible in providing the necessary managerial skills and directs the people in charge of securing debt servicing and protecting its assets to work as a team and ensuring prompt payment with a least added cost to the compdebt servicing and protecting its assets to work as a team and ensuring prompt payment with a least added cost to the company.

It will assume management and leasing of the properties and retain 100 percent of the property cash flow after payout of joint venture units and debt service costs.

Such factors include, but are not limited to: the Company's ability to meet debt service requirements, the availability and terms of financing, changes in the Company's credit rating, changes in market rates of interest and foreign exchange rates for foreign currencies, changes in value of investments in foreign entities, the ability to hedge interest rate risk, risks associated with the acquisition, development, expansion, leasing and management of properties, general risks related to retail real estate, the liquidity of real estate investments, environmental liabilities, international, national, regional and local economic climates, changes in market rental rates, trends in the retail industry, relationships with anchor tenants, the inability to collect rent due to the bankruptcy or insolvency of tenants or otherwise, risks relating to joint venture properties, costs of common area maintenance, competitive market forces, risks related to international activities, insurance costs and coverage, terrorist activities, changes in economic and market conditions and maintenance of our status as a real estate investment trust.