Sentences with phrase «of debt management services»

The trustees at Hoyes Michalos are experienced, caring individuals, licensed by the Government of Canada in areas of debt management services including:

(c) «Credit services organization» means a person who engages in, or holdsout to the public aswilling to engage in, the business of debt management services for a fee, compensation or gain, or in the expectation of a fee, compensation or gain.

(2) a description of the debt management services to be provided to theconsumer and anitemization of any fees to be charged to the consumer;

Not exact matches

«It's really a fee for using someone else's money,» explains Todd Christensen, director of education at Debt Reduction Services, a nonprofit debt management and credit counseling organization in Boise, IdDebt Reduction Services, a nonprofit debt management and credit counseling organization in Boise, Iddebt management and credit counseling organization in Boise, Idaho.

Management believes that the non-GAAP measure of Adjusted EBITDA is useful as an indicator of an oil and gas exploration and production company's ability to internally fund exploration and development activities and to service or incur additional debt.

He focuses on office leasing in midtown but through his team can seamlessly incorporate all of Cushman's services including real estate equity and debt, office leasing, property appraisal, and project management in key markets around the world.

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.

Any serious journalist who reads wide and is a bit savvy with knowledge in finance will know that borrowing money, prudent use of money for returns, debt servicing, debt management, exchange rate risk management which are all ingredients of borrowing need a very strong Financial Management adroitness to handle and not just about «Over-The-Counter» borrowing that we do with our friends, family relations and acqumanagement, exchange rate risk management which are all ingredients of borrowing need a very strong Financial Management adroitness to handle and not just about «Over-The-Counter» borrowing that we do with our friends, family relations and acqumanagement which are all ingredients of borrowing need a very strong Financial Management adroitness to handle and not just about «Over-The-Counter» borrowing that we do with our friends, family relations and acquManagement adroitness to handle and not just about «Over-The-Counter» borrowing that we do with our friends, family relations and acquaintances.

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.

«The savings from debt management in FY 2015 and FY 2016 also reflect actual and planned prepayments of debt service, based on DOB's estimate of available resources,» according to the budget report.

Questions - energy and climate change Business statement - leader of the House Backbench business - BBC cuts, debt advice and debt management services Adjournment debate - access to Kuvan for sufferers of phenylketonuria

«This debt was accrued for the provision of various services such as fumigation, compensation for GYEDA [Ghana Youth Employment Development Agency], sanitation garbs, the provision of landfill management services, as well as debts arising from contracts with the ministry of Local Government and Rural Development and Metropolitan Municipal, and District Assemblies.»

«In the immediate, what has stood in the way of the timely and efficient provision of waste management services or the collection of refuse or garbage, for that matter, was an outstanding debt of GHc 892 million which the ministry inherited from the previous government owed to waste management companies,» Mr. Adda explained.

Management of the facility recently threatened to withdraw their services to the KMA due to the debts that have piled up.

As of June 30, 2015, Fuller Road Management was out of compliance with its lenders on its debt service coverage ratio, which is a measure of SUNY Poly's ability to repay its debt.

Julie Fresne, AAMC director of student / resident debt management services, says FIRST will soon offer an online debt organizer that will keep track of loans and include a repayment calculator.

Learn some of many assistance you can expect to get from a good debt management counseling service.

Many consumers mistakenly assume that debt management and credit counseling are the same type of financial service.

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.)

Make sure you work with a debt management service that is accredited through the AICCCA or the NFCC and that has a long list of satisfied clients.

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.

It offers a variety of debt consolidation and debt management services to thousands of clients each year.

One of the best things about CuraDebt is that it offers both debt consolidation and debt management services.

Debt management services are one of many services offered by nonprofit credit counseling agencies or for - profit debt management companDebt management services are one of many services offered by nonprofit credit counseling agencies or for - profit debt management compandebt management companies.

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.

In October 2007, Maryland Attorney General Doug Gansler announced that his office's Consumer Protection Division had reached a settlement with Richard Brennan, the Law Offices of Richard Brennan, LLC, and a related company called American Telecommunications Solutions LLC (collectively referred to as the Brennan Law Firm) in connection with their debt management and debt settlement services.

Other services of non profit debt consolidation companies include money management budgeting as well as financial education.

As part of the process, they educate their clients in debt management and the consumer credit system to equip them with the tools necessary to maintain their results, long after their service ends.

Debt management will always be one of our core services to assist people who want to get out of dDebt management will always be one of our core services to assist people who want to get out of debtdebt.

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

Structure an agreement for the consumer that, at the conclusion of the projected term for the consumer's participation in the debt management service agreement, would result in negative amortization of any of the consumer's obligations to creditors.

Full repayments of your debts can be done through a debt management plan performed through a not - for - profit service like credit counsellors.

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).

In particular, cites «the quality of a lender's customer service in loan origination and loan servicing, its effectiveness in providing consumer information, counseling and debt management services, and its delinquency and default prevention efforts» as appropriate factors that can be considered.

There are arguments for both models; proponents of the fee - charging model (most debt management companies) will say they provide better service and that the advice given by non-fee-charging organisations is likely to be biased towards Debt Management due to the way they are fundebt management companies) will say they provide better service and that the advice given by non-fee-charging organisations is likely to be biased towards Debt Management due to the way they amanagement companies) will say they provide better service and that the advice given by non-fee-charging organisations is likely to be biased towards Debt Management due to the way they are funDebt Management due to the way they aManagement due to the way they are funded.

We provide: • Retirement Services, such as plan rollover options, ** traditional and Roth IRAs, and small business plans • Financial Management, including financial planning, asset and debt management, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and sociaManagement, including financial planning, asset and debt management, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and sociamanagement, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and social security

In respect to the debt management plan you're being presented, I think you should call MMI back and ask them for clarification on exactly what type of service they are offering you.

The Bureau of the Fiscal Service's Debt Management Service (DMS) administers the Treasury Offset Program (TOP).

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.

And more and more of those with unpaid federal student debt are losing a portion of their Social Security benefits to the government, nearly 119,000 through September, compared with 60,000 for all of 2007 and 23,996 in 2001, according to the Treasury Department's Financial Management Service.

He offers his clients a full range of financial and estate planning services such as fee - based planning, investment advisory and management, wealth management, asset protection planning, and debt reduction and management.

We can provide both these services as we are the only firm to hold both a Uniform Debt Management license and Credit Service Organization registration in the state of Nevada.

For clients who are interested in getting out of debt fast, we often recommend a debt management plan over debt settlement services.

If you chose debt settlement for your cards, carefully check the credentials of the credit card management services you are considering.

Debt Consolidation is a debt relief company, providing credit card debt management services, whose dedicated team of professionals has but one goal, and that's to help you turn your life around and get some much needed bill relDebt Consolidation is a debt relief company, providing credit card debt management services, whose dedicated team of professionals has but one goal, and that's to help you turn your life around and get some much needed bill reldebt relief company, providing credit card debt management services, whose dedicated team of professionals has but one goal, and that's to help you turn your life around and get some much needed bill reldebt management services, whose dedicated team of professionals has but one goal, and that's to help you turn your life around and get some much needed bill relief.

The type of services covered under the new rules are companies that promise to 1) work with a creditor to settle the debt for a lesser amount than is owed, (debt settlement companies) 2) work with all of a consumer's unsecured creditors to promulgate a debt management plan to vary the terms of all such debts, under a debt management plan (debt management companies) and 3) negotiate with a creditor to lower the interest rate of the outstanding debt and / or waiver of certain debt fees, such as late fees or over the limit fees (debt negotiation companies).

The Consumer Credit Counseling Service is a nonprofit debt management agency dedicated to helping consumers gain control of their financial obligations.

We have prioritized these key components to facilitate our long - term view of providing credit and debt management services to consumers.

A great alternative to these for - profit agencies is the services of a nonprofit debt management firm such as American Consumer Credit Counseling (ACCC).

MMI is registered with the Division of Consumer Affairs as a debt management service provider.