Sentences with phrase «form of debt management»

An IVA is a form of debt management that allows you to come to an agreement with your lenders that allows you to extend the term of your loan and also lower the repayments.

There is legislation in a minority of states which places restrictions and requirements on any form of debt management.

Now this might seem very obvious and when you ask most people they would probably say that they know how much money they owe and what there credit score is, but more often than not, it comes as a great surprise to them when they sit down with a pen and paper to work out exactly what the current debt actually is; this is very critical to any form of debt management.

Unfortunately, you are still responsible for any communication with such lenders and if you are struggling to keep up with the payments in question then you should consider an additional form of debt management, or even bankruptcy.

Not exact matches

You may want to consider other options if you owe more than your annual income in the form of «bad» debt (e.g., high - interest credit cards or payday loans), you simply can not make minimum payments on time, or a debt management plan can't reduce your monthly debt payment to a manageable amount.

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.

For those homeowners who owe more than fifty five percent of their monthly income to debtors for all of their combined debts, the mortgage holder must agree to participate in credit counseling in order to form better habits and money management skills.

Another form of consolidation is through debt management programs; typically Credit Counseling otherwise known as CCCS (Consumer Credit Counseling Service).

Consumer Credit Counseling, otherwise known as CCCS, is a service that offers debt management solutions in the form of budget counseling, various financial educational programs and assistance in using credit properly to avoid bankruptcy.

Nearly every adult in the U.S. has some form of debt, but 99 % of us would rather argue about religion and politics than ask for advice on debt management.

You may want to consider other options if you owe more than your annual income in the form of «bad» debt (e.g., high - interest credit cards or payday loans), you simply can not make minimum payments on time, or a debt management plan can't reduce your monthly debt payment to a manageable amount.

Just fill out the form below and one of our credit counselling experts will contact you to begin discussing your personalized debt management options.

This might take many different forms, including simple interest relief through a debt management plan or some form of principle reduction with a consumer proposal, two alternatives we will discuss in later chapters.

The R7 is the code used for all forms of debt negotiation, including a credit counselling debt management plan, or a debt settlement program.

Not only is debt consolidation rarely the smartest financial move, mathematically speaking at least, but a simple debt tracking form can demystify the management of complex debt accounts.

Debt Relief can come in many forms so it is important to gain a simple understanding of the basic building blocks of a credit counseling and debt management program before you move on to learning about the various benefDebt Relief can come in many forms so it is important to gain a simple understanding of the basic building blocks of a credit counseling and debt management program before you move on to learning about the various benefdebt management program before you move on to learning about the various benefits.

Because the Credit Counseling organizations have structured Debt management programs of credit counseling and are built around education, support and creative solutions that enable the distressed consumer to pay back the loan obligation and might actually help improve over time the consumers credit rating they claim it is a form of credit repair.

The other exception comes in the form of special debt management or debt reduction companies, which arrange to stretch debt settlement plans out of a period of one to four years.

With the overwhelming growth of consumer debt, two more organizations were formed to control the credit counseling industry - the «Association of Independent Consumer Credit Counseling Agencies» and the «American Association of Debt Management Organizations.&radebt, two more organizations were formed to control the credit counseling industry - the «Association of Independent Consumer Credit Counseling Agencies» and the «American Association of Debt Management Organizations.&raDebt Management Organizations.»

A third tax debt management strategy consists of forming an installment agreement to pay off the IRS tax debt in full through fixed monthly payments.

Simply fill out the form below and one of our credit counsellors will reach out to you to begin discussing your personalized debt management options.

However, in an effort to boost the yield of the MIP and thereby garner more management fees for itself, Fidelity, before the period at issue in the lawsuit, engaged in an imprudent and ultimately unsuccessful investment strategy by, among other things, causing large amounts of the MIP's assets to be held in various forms of securitized debt.

Just fill out the form below and one of our credit counselling experts will contact you and begin discussing your personalized debt management options:

Our debt finance group is supported by members of other subgroups within the Business Department, including mergers and acquisitions (for all sizes of transactions, for public and private clients, and on both the buyer and seller sides), investment management (for clients with investment management divisions and matters), small business investment companies (for clients looking to form SBICs, obtain SBIC funding, or conduct portfolio financing transactions), securities (for public clients, particularly with respect to public and Rule 144A debt offerings), tax (including for cross-border transactions), ERISA / employee benefits and international (for clients with international operations and assets), as well as other practice groups within the Firm, including Cleantech & Renewables, Patent, Trademark, Copyright & Unfair Competition practices and the Labor and Employment practice.

It is forming a venture with Norges Bank Investment Management on that deal, which is valued at $ 5.9 billion, including the assumption of some $ 700 million of debt.