Sentences with phrase «on consumer debt issues»

One is Consumer Warrior, which I use as a way to get information to the general public on consumer debt issues.

One thing Michiganders have going in their favor is the abundance of state laws on consumer debt issues.

Not exact matches

In the July 2010 version of their paper entitled «The Impact of Investor Sentiment on the German Stock Market», Philipp Finter, Alexandra Niessen - Ruenzi and Stefan Ruenzi test the predictive power of a composite sentiment measure combining consumer confidence, net equity mutual funds flow, put - call ratio, aggregate trading volume, initial public offering (IPO) returns, number of IPOs and aggregate equity - to - debt ratio of new issues.

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.

Today we are issuing subpoenas to 15 debt settlement companies that are using such aggressive and deceptive tactics to prey on vulnerable consumers here in New York so that we can reveal the full extent of their wrongdoing and harm.

Another interesting report comes from the Federal Reserve Bank of Philadelphia, which issues quarterly updates on a wide range of statistics related to consumer debt.

It's for this reason that I was quite pleased to see the Office of the Superintendent of Bankruptcy (OSB) issue a report on their review of the involvement of debt consultants in the administration of consumer proposals in Canada.

Counselors on HUD's list are experts in overall consumer credit issues as well as housing - related debt.

On the other end of the spectrum, the Citi ® Diamond Preferred ® Card is a suitable option for consumers who may have issues managing their existing credit card debt.

Bankruptcy usually is in my opinion, and I can see consumer debt bordering on an integrity issue.

Date Received: 2018-01-16T00:00:00 Product: Credit card debt Issue: Written notification about debt Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: On XX / XX / XXXX.

Date Received: 2017-12-28T00:00:00 Product: Credit card debt Issue: Attempts to collect debt not owed Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: I recently reviewed my credit report and noticed some unauthorized accounts on there...

Currently one of every five American consumers has an error on his or her credit report and 5 percent of us endure errors so serious that we likely are being overcharged for credit card debts, auto loans, insurance policies and other financial obligations, according to a comprehensive study issued Monday by federal regulators.

Back in December 2014, the Consumer Financial Protection Bureau found medical debt was unduly hurting about 15 million consumers» credit scores — and put some pressure on the credit reporting / scoring industry to address the issue.

He is routinely consulted by the media on issues involving consumer debt, the activities of bill collectors, and those holding themselves out as assisting consumers struggling with unsecured debt.

-- There is no cap on how big you can grow, if you have the resources you can potentially hire hundred's of sales executives because there are millions of consumers in America that need assistance with debt issues.

I guess TASC members have yet to figure out that if you want to provide a service and get paid promptly for it then the issue here is to focus on enrolling the right consumer that has cash on hand now or very shortly to settle their debts.

She's an expert on consumer credit issues ranging from credit cards to medical debt to fair credit reporting.

Our firm offers free case reviews at no cost to you to help protect your consumer rights anytime you: • Receive contact from a creditor or debt collector to collect a debt; • Receive unwanted computerized robocalls or texts to your cell phone (even after you've told them to stop); • Notice inaccurate information on your credit report (even after you disputed with the credit bureaus); • Obtain a loan, lease, or purchase an item on credit; • Enter into an autopay arrangement with a creditor (i.e., gym membership, car loan, etc.); • Purchase a lemon vehicle or other consumer product; • Need help settling debts for less than the full balance; or, • Have any other consumer issue you would like us to look into at no cost to you.

Industry insights from Hoyes Michalos co-founders Doug Hoyes and Ted Michalos on bankruptcy, debt relief and consumer debt issues that affect Ontarians.

A Consumer alert has been issued from The Financial Consumer Agency of Canada on practices consumers should watch out for if they're looking at getting help paying off their debts or repairing their credit.

Clifford Chance supports a number of free legal advice projects in London, and I am able to give advice on debt, benefits and consumer rights issues to clients who can not afford to pay for advice.

Today the Consumer Financial Protection Bureau issued its final rule on oversight of the debt collection industry [PDF], which includes debt collection lawyers.

You may want to contact a Bankruptcy Trustee or Consumer Proposal Administrator who will help assess the debt issues to determine the best course of action for each individual based on their income situation after the separation.

The volunteer attorney explains the court process, review the client's case file, prepare court papers, and give advice on other consumer debt issues.

Back in December 2014, the Consumer Financial Protection Bureau found medical debt was unduly hurting about 15 million consumers» credit scores — and put some pressure on the credit reporting / scoring industry to address the issue.

The office was concerned that the large concentration of market power, plus the large amount of debt in the deal, would place a burden on consumers in the form of higher prices and other service issues, she told the E-Commerce Times.

The Ability to Repay Final Rule officially issued by the Consumer Financial Protection Bureau (CFPB) on Jan. 10 will establish a 43 percent debt - to - income ratio threshold for qualified mortgages (QM).

Travel warnings are issued on Egypt, the Ford F - 250 is now thieves» favorite target, regulators crack down on abusive debt collection and other consumer - focused news from The New York Times.Read more...