Sentences with phrase «included in her consumer proposal»

This article will explain which debts can be included in a consumer proposal and any limitations on what debts can...

We've outlined below a complete list of which debts you can and can not include in a consumer proposal in Canada.

Another common issue we see is that creditors will incorrectly report individual debts as «included in a bankruptcy» when they may have been included in a consumer proposal.

Not exact matches

The proposal includes the potential for the border tax adjustment, which, if implemented in the oil sector without exemptions, would raise oil prices for US consumers relative to global consumers.

While most of his proposals — «to abandon the gold standard, let international exchange rates float, use federal surpluses and deficits as macroeconomic policy tools that could counter cyclical trends, and establish bureaus of economic statistics (including a consumer price index) in order to facilitate this effort» — are now conventional practice, his critique of fractional - reserve banking still «remains outside the bounds of conventional wisdom» although a recent paper by the IMF reinvigorated his proposals.

Jack Hartings, chairman of the ICBA, asked the Alabama Republican about possible changes to the Consumer Financial Protection Bureau's «qualified mortgage» rule, including a proposal that would allow more loans held in portfolio to be considered QM, along with relief from some escrow requirements and balloon mortgage restrictions.

In this issue: - Article: «What you Should Not Include in your Non-Fiction Book Proposal,» by Debra W. Englander - New Program Gives Ebooks a Quality Seal for Consumers - Digital Book World Conference — Interesting Facts for Authors - Ben Cameron, Director of Sales and Marketing for UK and Europe, to Speak at Self - Publishing Conference in UK - Display Your Book at the 2013 London Book FaIn this issue: - Article: «What you Should Not Include in your Non-Fiction Book Proposal,» by Debra W. Englander - New Program Gives Ebooks a Quality Seal for Consumers - Digital Book World Conference — Interesting Facts for Authors - Ben Cameron, Director of Sales and Marketing for UK and Europe, to Speak at Self - Publishing Conference in UK - Display Your Book at the 2013 London Book Fain your Non-Fiction Book Proposal,» by Debra W. Englander - New Program Gives Ebooks a Quality Seal for Consumers - Digital Book World Conference — Interesting Facts for Authors - Ben Cameron, Director of Sales and Marketing for UK and Europe, to Speak at Self - Publishing Conference in UK - Display Your Book at the 2013 London Book Fain UK - Display Your Book at the 2013 London Book Fair

They are part of the bankruptcy or consumer proposal and are included in your creditor list, as long as the CRA hasn't placed a lien against your property making it a secured debt.

What that means is that if you have ceased to be a student for at least 7 years then your student loans will be included in either a bankruptcy or consumer proposal and will be forgiven.

Licensed bankruptcy trustee Doug Hoyes, talks about why a consumer proposal is better than bankruptcy including what the key differences are between these two options available under the Bankruptcy and Insolvency Act in Canada.

In a Consumer Proposal, most unsecured debts can be included.

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.

Some of the advantages of choosing a consumer proposal in Milton include being able to avoid bankruptcy, reduce your monthly payments, get protection from your creditors, and settle any unsecured debts, most times for less than you owe on them.

The opitons include making payments as requried by the creditors in question, negotitating directly with the creditors to find a reasonable schedule for repayment, a consolidation loan, credit counselling, a consumer proposal, or even the filing of a bankruptcy.

Debts accumulated against a student credit card are included in a bankruptcy or consumer proposal with no legislated limitations.

Even if the limitation does apply to you and your student debt can't be included in a bankruptcy or proposal, there may still be reasons to file a consumer proposal or personal bankruptcy.

In these circumstances it may make sense to file bankruptcy or a consumer proposal to eliminate non-government student loans including your private student debt.

If you considered a consumer proposal as a way to save your home make sure you keep your current mortgage lender happy and discuss in length what debt you should or should not include.

Once in contact with this dealership, you'll soon find yourself disappointed when there are no sales reps trained to handle applicants with credit challenges, including bankruptcies and consumer proposals.

The average person filing a consumer proposal with our firm owes approximately $ 52,000 in unsecured debts including credit card debt, bank & financing loans such as unsecured lines of credit, tax debts and payday loans.

In a consumer proposal, you can include the following debts:

The Bankruptcy and Insolvency Act (BIA) specifically describes which types of debts can not be included in a bankruptcy or consumer proposal.

In a consumer proposal, you usually repay only a third of what you owe and you get to keep all of your assets, including tax refunds, investments, and home equity.

People are frustrated by the lack of a workable appeals process over disputed items and the fact that consumers — not creditors — bear the burden to prove the accuracy of credit information.So it's no surprise that a major legislative proposal has surfaced on Capitol Hill that seeks to disrupt much of the American system of gathering, reporting and using credit information, including potentially significant changes in the credit scores that lenders use to evaluate most home mortgage applications.

These debts, and their related garnishments, can not be included in a bankruptcy or consumer proposal.

A consumer proposal may also include a lump sum of money, such as from the sale of a house, or the cashing in of an RRSP.

Second, you meet with a licensed bankruptcy trustee to review your options, which may also include filing a consumer proposal as an alternative to bankruptcy in Canada (in the U.S. you would need to consider a Chapter 13 Wage Earner Plan).

While it's true a licensed insolvency trustee represents the interest of all parties in a consumer proposal, including creditors and debtors, a reputable trustee will not negotiate a proposal that won't work or make you file bankruptcy if that's not the right solution.

A trustee with Sands and Associates, the largest personal and solvency firm in British Columbia, who told me that his goal is to create awareness of debt management options including consumer proposals which are gaining popularity in both British Columbia and Ontario.

Preliminary research conducted by CBR indicated that consumers typically don't differentiate between primary batteries and others, so the proposals must include a solution for other batteries (for example, rechargeables and lithium thionyl chloride) that are likely to appear in collection channels.

Whereas the Senate strongly believes that the proposals under negotiation, because of the disparity of treatment between Annex I Parties and Developing Countries and the level of required emission reductions, could result in serious harm to the United States economy, including significant job loss, trade disadvantages, increased energy and consumer costs, or any combination thereof; and

To ease gas prices in the interim, the proposal includes significant conservation provisions, consumer tax credits, and responsible measures to increase domestic production.»

In response to critics, the Trump administration said that its proposal included some protections for consumers: «Small business health plans (association health plans) can not charge individuals higher premiums based on health factors or refuse to admit employees to a plan because of health factors,» such as a physical or mental illness, disability, claims history or genetic information.

Fair Housing Initiative Program Grant Proposal 2008 Prepared education and outreach proposal to the U.S. Department of Housing and Urban Development valued at $ 100,000 to provide mortgage lending and fair housing training to Dallas citizens including A Fair Housing Mortgage Lending Symposium, Train the Trainers Mortgage Lending Symposium, A Fair Housing Accessibility Forum for housing providers and developers, and the establishment of a Fair Housing Youth Council with an internship component in partnership with the Dallas County Consumer Credit Council and the Dallas UrbanProposal 2008 Prepared education and outreach proposal to the U.S. Department of Housing and Urban Development valued at $ 100,000 to provide mortgage lending and fair housing training to Dallas citizens including A Fair Housing Mortgage Lending Symposium, Train the Trainers Mortgage Lending Symposium, A Fair Housing Accessibility Forum for housing providers and developers, and the establishment of a Fair Housing Youth Council with an internship component in partnership with the Dallas County Consumer Credit Council and the Dallas Urbanproposal to the U.S. Department of Housing and Urban Development valued at $ 100,000 to provide mortgage lending and fair housing training to Dallas citizens including A Fair Housing Mortgage Lending Symposium, Train the Trainers Mortgage Lending Symposium, A Fair Housing Accessibility Forum for housing providers and developers, and the establishment of a Fair Housing Youth Council with an internship component in partnership with the Dallas County Consumer Credit Council and the Dallas Urban League.

Marketing Director — Duties & Responsibilities Experienced administrator with a background in sales, marketing, and customer service Design and implement comprehensive email marketing campaigns and all collateral material Analyze email trends garnering insight into market conditions and competitor efforts Utilize metrics to determine campaign efficacy, impacted audience, and other key data Develop sales leads through networking, market analysis, cold calling, and other tactics Determine consumer incentives to engage and secure potential clients Collaborate with multiple departments including product development, customer service, and sales Create and implement processes and procedures to cut costs and enhance daily operations Recruit, train, and direct staff ensuring they understand the brand and adhere to company policies and procedures Set and strictly adhere to departmental budgets and timelines Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Collaborate with junior level sales people to develop action plans to govern their performance Develop and lead training in customer service and sales best practices resulting in enhanced team skill sets Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Build and strengthen relationships with key clients, partners, and community leaders Provide exceptional customer service resulting in client satisfaction and repeat business Represent company brand with poise, integrity, and positivity

Business Manager — Duties & Responsibilities Provide full service construction and contracting services including electrical, plumbing, masonry, roofing, etc.. Manage daily operations of home sales, construction, and contracting businesses ensuring profitable operations Recruit, train, and direct staff ensuring they understand the brand and adhere to company policies and procedures Oversee sales, customer service, and construction site personnel Set and strictly adhere to budgets and schedules Maintain compliance with all applicable zoning codes, laws, and safety protocols Oversee company finances ensuring profitable and fiscally responsible operations Consistently meet or exceed sales goals through networking, in personal sales, and other tactics Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Maintain comprehensive records detailing pricings, sales, activities reports, site visits, and other pertinent data Build and strengthen relationships with key clients, partners, and industry leaders Interact with support staff and company resources effectively to create the best consumer experience Develop a rapport with customers and orient them to various products and services Ensure customer satisfaction by maintaining friendly, supportive contact with existing clients Represent company brand with poise, integrity, and positivity

Client Services Supervisor — Duties & Responsibilities Responsible for electronic payroll system operations for a large and economically diverse client base Recruit, train, and direct customer service, sales, technical, and administrative staff ensuring efficient operations Maintain working knowledge of proprietary software, industry best practices, employment law, and tax law Oversee adherence to departmental budgets, project timelines, and company policies Coordinate efforts between multiple departments resulting in timely and cost - effective project completion Design and implement professional development programs to enhance team skill sets Utilize employee recognition programs to build morale and dedication to company mission Represent company brand with poise, integrity, and positivity Study internal literature to become an expert on products and services Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Interact with support staff and company resources effectively to create the best consumer experience Utilize technical proficiencies and industry knowledge to offer guidance and support to coworkers and clients Craft effective presentations and proposals, tailoring them to clients based on their specific needs and styles Maintain sales and customer service records detailing pricings, sales, activities reports, and other pertinent data Manage company financial records providing detailed, accurate account of transactions and financial health Build and strengthen long term relationships with peers, clients, partners, and industry leaders Provide additional operational support including communications, data entry, and other tasks as needed Consistently promoted due to excellence in management, customer service, technical support, and sales

Retail Sales Manager — Duties & Responsibilities Oversee customer service and sales staff ensuring efficient, effective, and profitable operations Design and implement staff development programs to enhance sales and customer service skills Train employees in corporate branding and company policies and procedures Consistently meet or exceed sales goals through networking, in person sales, trade shows, and other tactics Develop and implement company marketing, public relations, and promotional strategies Identify company operational challenges and overcome obstacles through strong managerial skills Represent company brand with poise, integrity, and positivity Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Study internal literature to become an expert on products and services Interact with support staff and company resources effectively to create the best consumer experience Conduct research on prospective leads and existing clients to assist in developing sales strategies Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Collaborate with junior level sales people to develop action plans to govern their performance Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Strictly adhere to budgets and schedules Oversee multimillion dollar inventory and product replenishment Manage company financial records providing detailed, accurate account of transactions and financial health Provide additional operational support including communications, data entry, and other tasks as needed

Retail Sales Manager — Duties & Responsibilities Consistently meet or exceed sales goals through networking, in person sales, trade shows, and other tactics Develop and implement company marketing, public relations, and promotional strategies Represent company brand with poise, integrity, and positivity Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Study internal literature to become an expert on products and services Interact with support staff and company resources effectively to create the best consumer experience Conduct research on prospective leads and existing clients to assist in developing sales strategies Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Collaborate with junior level sales people to develop action plans to govern their performance Recruit, train, and direct staff ensuring they understand the brand and adhere to company policies and procedures Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Strictly adhere to budgets and schedules Oversee multimillion dollar inventory and direct purchasing and inventory replenishment Manage company financial records providing detailed, accurate account of transactions and financial health Provide additional operational support including communications, data entry, and other tasks as needed

Business Manager — Duties & Responsibilities Manage multiple technology companies ensuring effective, efficient, and profitable operations Design and implement sales and marketing strategies, campaigns, and collateral materials Recruit, train, and direct sales and customer service teams resulting in significant company revenue Consistently meet or exceed sales goals through networking, cold calling, and other tactics Represent company brand with poise, integrity, and positivity Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Study internal literature to become an expert on products and services Interact with support staff and company resources effectively to create the best consumer experience Conduct research on prospective leads and existing clients to assist in developing sales strategies Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Conduct public relations activities and attend relevant events, fairs, and conferences Negotiate and execute contracts with C - Level decision makers Maintain records of site visits to potential and existing clients to assist in assessing their future needs Collaborate with junior level sales people to develop action plans to govern their performance Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Oversee accounting activities including budgets, accounts payable / receivable, and tax filings Prepare and present periodic financial reports to fellow members of senior leadership

Marketing & Fundraising Coordinator — Duties & Responsibilities Recruit, train, and direct staff ensuring they understand the brand and adhere to company policies and procedures Develop and implement comprehensive marketing campaigns and all collateral materials Proficient in copywriting, editing, and digital photography Responsible for business development through corporate and community partnerships Build and strengthen professional relationships with community leaders, business partners, and coworkers Represent company brand with poise, integrity, and positivity in television and radio interviews Conduct public relations activities and attend relevant events, fairs, and conferences Coordinate and participate in charitable events in service of the local community Perform research on prospective leads and existing clients to assist in developing sales strategies Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Make cold calls in a courteous, yet assertive manner that translates to sales results Maintain records of site visits to potential and existing clients to assist in assessing their future needs Consistently exceed location revenue goals through effective marketing and sales tactics Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Interact with support staff and company resources effectively to create the best consumer experience Study internal literature to become an expert on products, corporate history, and mission Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Perform administrative tasks including filing, data entry, phones, and other tasks as needed Set and strictly adhere to budgets and schedules

Sales Manager — Duties & Responsibilities Responsible for daily operations, sales, technical support, and customer service for wireless retail business Consistently meet or exceed sales goals through networking, cold calling, and other sales tactics Represent company brand with poise, integrity, and positivity Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Study internal literature to become an expert on products and services Interact with support staff and company resources effectively to create the best consumer experience Conduct research on prospective leads and existing clients to assist in developing sales strategies Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Design and administer sales, customer service, and technical support workshops for new team members Negotiate and execute contracts with C - Level decision makers Collaborate with junior level sales people to develop action plans to govern their performance Make cold calls in a courteous, yet assertive manner that translates to sales results Recruit, train, and direct staff ensuring they understand the brand and adhere to company policies and procedures Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Strictly adhere to budgets and schedules Provide administrative assistance including phones, data entry, and recordkeeping as needed

Additional proposals announced at the event included a «Consumer Privacy Bill of Rights» to give people more control over their data President Obama is expected to discuss these proposals further in his State of the Union address on January 20.

(i) an application for a bankruptcy filed against the licensee business, (ii) an assignment in bankruptcy made by the licensee business, (iii) a bankruptcy order made against the licensee business, (iv) a proposal under Division I of Part III, or a consumer proposal made under Division II of Part III, of the Bankruptcy and Insolvency Act, or (v) an insolvency proceeding, including a receivership or an arrangement under the Companies» Creditors Arrangement Act;

(i) an application for a bankruptcy order filed against the licensee, (ii) an assignment in bankruptcy made by the licensee, (iii) a bankruptcy order made against the licensee, (iv) a proposal made under Division I of Part III, or a consumer proposal made under Division II of Part III, of the Bankruptcy and Insolvency Act, or (v) an insolvency proceeding, including a receivership or an arrangement under the Companies» Creditors Arrangement Act;

(A) an application for a bankruptcy order filed against the business, (B) an assignment in bankruptcy made by the business, (C) a bankruptcy order made against the business, (D) a proposal made under Division I of Part III, or a consumer proposal made under Division II of Part III of the Bankruptcy and Insolvency Act, or (E) an insolvency proceeding, including a receivership or an arrangement under the Companies» Creditors Arrangement Act; or

(A) an application for a bankruptcy order filed against the applicant, (B) an assignment in bankruptcy made by the applicant, (C) a bankruptcy order made against the applicant, (D) a proposal made under Division I of Part III, or a consumer proposal made under Division II of Part III, of the Bankruptcy and Insolvency Act, or (E) an insolvency proceeding, including a receivership or an arrangement under the Companies» Creditors Arrangement Act; or

(i) an application for a bankruptcy order filed against the licensee business, (ii) an assignment in bankruptcy made by the licensee business, (iii) a bankruptcy order made against the licensee business, (iv) a proposal under Division I of Part III, or a consumer proposal made under Division II of Part III, of the Bankruptcy and Insolvency Act, or (v) an insolvency proceeding, including a receivership or an arrangement under the Companies» Creditors Arrangement Act;

The Bureau stated its belief in the proposal that including this information in a prominent position on the Loan Estimate will promote the informed use of credit and more effective advance disclosure of settlement costs and will enable consumers to better understand the costs, benefits, and risks associated with mortgage transactions by providing consumers with access to information they may use repeatedly throughout the transaction.

The Bureau stated in the proposal that it plans for the Bureau's Web site to offer important information and useful tools that consumers can access at key points in the mortgage origination process, including during the three - business - day period between the consumer's receipt of the Closing Disclosure and consummation.