Sentences with phrase «debt and credit related»

Golden Financial Services studies debt and credit related laws, offers free financial education and debt relief information online.

Golden Financial Services Studies debt and credit related laws, provides free financial education and debt relief information online.

Are you trying to resolve issues with creditors, debt collectors, credit reporting agencies, credit bureaus and other debt and credit related agencies?

The most effective way to deal with and resolve debt collection, credit reporting and other debt and credit related issues is to put everything in writing!

Not exact matches

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

Taking on wedding - related debt could damage your credit score — and result in a higher interest rate on that mortgage, he said.

Credit / Debt: Complaints ranged from billing and fee disputes to bogus credit repair and mortgage - related Credit / Debt: Complaints ranged from billing and fee disputes to bogus credit repair and mortgage - related credit repair and mortgage - related fraud.

Note 3: We recorded additional interest expense related to the amortization of debt issuance costs affiliated with our Term Loan Credit Agreement and ABL Facility.

Results for the current quarter included positive revenue of $ 3.4 billion, or $ 1.12 per diluted share, compared with negative revenue of $ 731 million a year ago related to changes in Morgan Stanley's debt - related credit spreads and other credit factors (Debt Valuation Adjustment, DVA).debt - related credit spreads and other credit factors (Debt Valuation Adjustment, DVA).Debt Valuation Adjustment, DVA).2, 3

These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.

Today we'll also start taking complaints about debt collection problems related to any consumer debt, including credit card debt, mortgages, auto loans, medical bills, and student loans.

Non-housing related debt increased 1.9 percent boosted by gains in auto loans ($ 30 billion), credit card balances ($ 10 billion) and student loans ($ 7 billion).

The ratings agency Moody's maintained the US's top - notch «Aaa» credit rating Thursday, saying, «The diversity, dynamism, and competitiveness of the US economy, along with the US dollar's status as the preeminent international reserve currency and very large size and depth of the US Treasury market, offset rising fiscal pressures stemming from aging - related entitlement spending, higher debt - service payments, and recent policy actions that will likely reduce future revenues and increase expenditures.»

Outstanding household debt declined approximately $ 110 billion from the previous quarter, due in large part to a reduction in housing - related debt and credit card balances.

We expect that the New Credit Facility will contain a number of covenants that, among other things, restrict SSE Holdings» ability to, subject to specified exceptions, incur additional debt; incur additional liens and contingent liabilities; sell or dispose of assets; merge with or acquire other companies; liquidate or dissolve itself, engage in businesses that are not in a related line of business; make loans, advances or guarantees; pay dividends or make other distributions (with certain exceptions, including tax distributions and repurchases of management equity); engage in transactions with affiliates; and make investments.

But the most important mortgage requirements for California home buyers are those that relate to the borrower's credit score, existing debt, and income situation.

According to the report released by the Federal Reserve Bank of New York, housing - related debt, mortgages and home equity lines of credit rose by a combined amount of 0.6 %, $ 56 billion.

(The agency also deals with consumer beefs relating to credit cards, student loans, debt collection, and other financial products.)

And, a third option doesn't relate to student loans at all — but, rather, credit card payments and other monthly debAnd, a third option doesn't relate to student loans at all — but, rather, credit card payments and other monthly deband other monthly debts.

National accounts also would trace overhead charges for interest and related financial charges, as well as the economy's evolving credit and debt structure.

As a valuable resource to our customers, we have made available this arrangement of financial resources related to credit and debt.

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.

King noted Goldman was recently accused of fraud by the SEC in its trading of Collateralized Debt Obligations and related derivatives in the lead - up to the financial collapse, ading: «Were you involved with trading CDOs or the other derivatives credited with causing the financial meltdown either at Goldman Sachs or at any of your hedge fund jobs?»

Katie Lane, Citizens Advice social policy officer, said: «Every year Citizens Advice bureaux provide advice on nearly 3.5 million problems relating to welfare benefit, tax credit, and debt.

Along with any required waiting period, you'd also need to meet the standard credit, debt - and - income and related requirements for any VA - backed mortgage.

Consumers must be given regular billing statements related to their overdraft debt, and funds for credit repayment must remain separate from funds to reload the card.

If you are considering filing for bankruptcy to eliminate debt, it is recommended that you work with a certified Credit Counselor who can serve as your advocate and answer any questions related to your unique financial situation.

So even you finally seek a help from credit counseling services, it pays to learn all you can about debt, consolidation, and other related subjects, including your legal rights as a debtor.

Even though you obtained the credit from the bank, and you fell behind on your payments, this does not releive the bank from having to obey by federal laws, they still have to abide by debt collection and related laws.

The disadvantage of a consumer proposal can be related to your credit score, as it will be damaged and you will have either an R7 or an R9 credit rating — depending on how you handle your different debts.

That means, people whose bad credit is a result of catastrophic events related to unforeseen circumstances such as a job layoff or the housing bubble bust are looked at far more favorably than those whose bad credit is a result of irresponsible spending over a long term and too much current debt.

Today, his income properties net $ 20,000 annually but he plans to sell one in three years to help pay off the debt on his other homes and to get rid of any business - related debt on a second line of credit.

This only relates to students who are registered in a college, but when the need for extra funds to help cover bills, debts and even living costs is high, speaking to the campus Financial Aid advisor can lead to a $ 5,000 personal loan, with bad credit practically a non-factor in the whole process.

We offer debt relief to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

A credit report will be requested to check for any credit obligations and pay records, and any collections, judgments, liens, repossessions or related debts.

Credit Grade Mortgage companies often grade your loan based on certain credit related items such as payment history, amount of debt payments, bankruptcies, equity position and your credit Credit Grade Mortgage companies often grade your loan based on certain credit related items such as payment history, amount of debt payments, bankruptcies, equity position and your credit credit related items such as payment history, amount of debt payments, bankruptcies, equity position and your credit credit score.

Investors have been able to turn a profit from debt - related investments like asset - backed securities and bonds for decades and borrowers have had access to personal loans and credit for even longer.

Remember, the Fair Debt Collection Practices Act protects your rights as a consumer for debts related to personal loans, household and credit card debt, auto loans and Mortgage dDebt Collection Practices Act protects your rights as a consumer for debts related to personal loans, household and credit card debt, auto loans and Mortgage ddebt, auto loans and Mortgage debtdebt.

Included as part of the credit report, this information is limited to tax liens, lawsuits and judgments that relate to the consumer's debt obligations.

For example, you may want to cut back major purchases related to entertainment and use the money to double your monthly credit card debt payments instead.

the disclosure of certain enumerated events affecting a municipal security; these events include the following, if material: (1) principal and interest payment delinquencies; (2) non-payment related defaults; (3) unscheduled draws on debt service reserves; (4) unscheduled draws on credit enhancements; (5) substitution of credit or liquidity providers; (6) adverse tax events affecting the tax - exempt status of the security; (7) modifications to rights of securities holders; (8) bond calls; (9) defeasances; (10) release, substitution, or sale of property securing repayment; (11) rating changes; (12) failure to provide annual financial information as required; the MSRB, Electronic Municipal Market Access (a.k.a. EMMA) provides free access to municipal disclosures, market data and education

So we are warning you now, do not pay a third - party debt collection account unless the collection agency agrees — in writing — to have the debt and any related marks, removed from your credit report after you pay the agreed upon amount.

The country's six biggest lenders reported less than $ 20 - billion in debt - related writedowns since the credit crisis began in 2007, about 2 % of the US$ 887.1 - billion recorded by banks and brokerages worldwide.

Consumer protection and credit card related laws such as the Credit Card Act, Fair Debt Collection Practices Act, and Fair Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all - time -credit card related laws such as the Credit Card Act, Fair Debt Collection Practices Act, and Fair Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all - time -Credit Card Act, Fair Debt Collection Practices Act, and Fair Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all - time - hDebt Collection Practices Act, and Fair Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all - time -Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all - time - hdebt collection is at an all - time - high.

See related: 8 tips to keep credit card rates and fees low, Fed: Consumers must opt in to debit card overdraft fees, Credit card forbearance programs offer reprieve from debt, Minimum payments mean maximum trouble witcredit card rates and fees low, Fed: Consumers must opt in to debit card overdraft fees, Credit card forbearance programs offer reprieve from debt, Minimum payments mean maximum trouble witCredit card forbearance programs offer reprieve from debt, Minimum payments mean maximum trouble with debt

Conforming loans must also meet other guidelines related to a borrower's loan - to - value ratio, debt - to - income ratio, credit score and history, documentation requirements, etc..

With the increase in the amount of debt that many Americans are carrying related to credit cards, mortgages, and other liabilities, the number of places offering payday loans has skyrocketed.

To calculate this ratio you need to take all debt payments, including house - related costs, credit card debt, car loan, taxes and other spending, as a percentage of your pre-tax monthly income.

This equates to roughly $ 30,000 in outstanding debt per borrower and does not include what may be a substantial amount of education - related debt in the form of credit card, home equity, and retirement account borrowings.

Credit utilization is directly related to qualifying for mortgage and most lenders will not issue a loan if existing debt payments are more than a certain allowable percentage.