Sentences with phrase «other consumer debts such»

In addition a max of 44 % (total debt servicing — TDS) of gross monthly income to cover the same and other consumer debts such as loans, credit cards and lines of credit.

Information on other consumer debt such as car loans, furniture loans, student loans and retail credit cards

Not exact matches

Focus on eliminating your monthly credit - card balance first, then other forms of consumer debt such as car loans and lines of credit.

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.

Other consumers need financial debt solutions such as debt management, debt settlement and even bankruptcy at times.

The same 10 % rate applies on average to other types of consumer delinquent debt, such as mortgages and credit cards.

She explains that «disinterested» parties, such as non-profits, are more likely to explore other options for a consumer prior to entering into a debt management program.

If your budget shows that you can't afford to do it yourself, you need to look at other bankruptcy alternatives, such as debt consolidation, credit counseling, Chapter 13 Wage Earner Plan, consumer proposal or if all else fails, personal bankruptcy.

Others have simply accumulated far too much consumer debt, such as credit cards.

The reason it's difficult to measure the impact of a collection is because most consumers who have one collection have other unrelated derogatory items, such as other collections or record of defaulted debts.

The direct consumer impact will be on U.S. variable - rate mortgage holders (as well as all those that hold other variable - rate tied debts, such as credit cards, auto loans and lines of credit).

Technically the FDCPA does not apply to original creditors such as banks, department stores, and other lenders who collect their own debts; however, no reputable lender is permitted to conduct themselves unprofessionally when dealing with consumers.

A professional credit repair company complies with all the applicable laws such as The Fair Credit Reporting Act (FCRA), The Fair Credit Billing Act (FCBA), The Fair Debt Collections Practices Act (FDCPA), and other consumer protection statutes.

When a consumer applies for credit card consolidation, what they are actually doing is receiving a new loan from a lender to pay off all their credit card debt, and oftentimes other types of debt such as automobile or student debt.

A contingency fee arrangement is only available for specific types of cases, such as consumer rights lawsuits against third - party debt collectors or other similar companies for violations of specific laws.

«consumer debtor» means a «natural person who is bankrupt or insolvent and whose aggregate debts, excluding any debts secured by the person's principal residence, do not exceed two hundred and fifty thousand dollars or such other maximum as is prescribed»;

a) Disputes filed - 18 months b) Inquiries - 2 years c) Payment profile -5 years d) Information related to a consumers payment behavior such as slow payer, defaulted or absconded - 1 year e) Information relating to the action that a credit provider has taken against a consumer to enforce a debt such as handed over, legal action or write - off - 2 years f) Debt restructuring - Until a clearance certificate is given g) Civil court judgments - 5 years or until the court removes it h) Administration orders (orders to put a consumer under administration)- 10 years or until the court removes it i) Sequestrations (order given by the court where the consumer is insolvent)- 10 years or until the court removes it j) Liquidations (order given by the court where the consumer is insolvent)- no time limit k) Court order removing a liquidation or sequestrations after all the debt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your credit report in South Afrdebt such as handed over, legal action or write - off - 2 years f) Debt restructuring - Until a clearance certificate is given g) Civil court judgments - 5 years or until the court removes it h) Administration orders (orders to put a consumer under administration)- 10 years or until the court removes it i) Sequestrations (order given by the court where the consumer is insolvent)- 10 years or until the court removes it j) Liquidations (order given by the court where the consumer is insolvent)- no time limit k) Court order removing a liquidation or sequestrations after all the debt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your credit report in South AfrDebt restructuring - Until a clearance certificate is given g) Civil court judgments - 5 years or until the court removes it h) Administration orders (orders to put a consumer under administration)- 10 years or until the court removes it i) Sequestrations (order given by the court where the consumer is insolvent)- 10 years or until the court removes it j) Liquidations (order given by the court where the consumer is insolvent)- no time limit k) Court order removing a liquidation or sequestrations after all the debt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your credit report in South Afrdebt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your credit report in South Africa.

Consolidating your wife's debt inside the federal student loan program would allow her to retain some important consumer protections that aren't available with other debt, such as the ability to defer payments for up to three years if she faces an economic setback.

It is now more important than ever for prospective college students and their families to consider themselves «consumers» of higher education and analyze carefully their investments in college degrees and credentials by assessing their financial outlays against up - to - date occupational earnings data and managing student - loan debt in the context of other life goals, such as the prospects of home ownership, career breaks for child - rearing, or an early retirement.

Having an outstanding student loan balance makes it feel as though other financial priorities are out of the question, such as buying a home, paying down consumer debt, -LSB-...]

Having an outstanding student loan balance makes it feel as though other financial priorities are out of the question, such as buying a home, paying down consumer debt, or saving for retirement.

A consumer has fewer options for dealing with their student loan debt compared with other types of unsecured consumer debt such as credit card debt.

If you don't qualify for a debt consolidation loan, you may need to explore other options, such as a consumer proposal (if you live in Canada), or a Chapter 13 Wage Earner Plan (if you live in the United States).

Blair Maintin: No, it's an absence and it's such a conspicuous absence that there is really no consumer protection legislation in BC so we got a lot of US based debt settlement operators that were essentially outlawed in the U.S. because the Federal Trade Commission passed some legislation a few years ago as they set their sights on Canada and we've seen other provinces like your home province of Ontario, we've seen Atlantic Canada, we've seen Alberta put in legislation to protect consumers.

«Front - end» companies, such as Safe Trust, contact consumers through marketing schemes offering debt adjusting services to consumers who have credit card debt or other unsecured debt.

No other consumer debt, such as credit card, auto, or mortgage, can be included even if it was used to pay education expenses.

Consolidation loans are particularly suited to high - interest consumer debts such as credit cards, public utilities, personal and other unsecured loans.

Los Angeles County About Blog Marc Aaron Goldbach is the Attorney at Law for Goldbach Law Group with 25 years of expertise in a variety of practice areas including insurmountable debt, foreclosure, serious felony charges, immigration or other legal issues such as workplace harassment, family and medical leave act violations, whistle blowing and retaliation, consumer law or personal injuries.

Taibbi describes that the LIBOR rate, a common basis for variable interest rates of consumer debt products such as mortgages, car and student loans, and credit cards, is based on estimates by large banks of interest rates they would have to pay to borrow from each other.

For example, they may use the proceeds of a Guaranteed Acceptance Life Insurance policy to pay for expenses such as funeral and burial costs, medical bills, or other consumer debts.

This policy is designed to help your loved ones pay for your final expenses, such as funeral and burial costs, medical bills, or other consumer debts.

Los Angeles County About Blog Marc Aaron Goldbach is the Attorney at Law for Goldbach Law Group with 25 years of expertise in a variety of practice areas including insurmountable debt, foreclosure, serious felony charges, immigration or other legal issues such as workplace harassment, family and medical leave act violations, whistle blowing and retaliation, consumer law or personal injuries.

Los Angeles County About Blog Marc Aaron Goldbach is the Attorney at Law for Goldbach Law Group with 25 years of expertise in a variety of practice areas including insurmountable debt, foreclosure, serious felony charges, immigration or other legal issues such as workplace harassment, family and medical leave act violations, whistle blowing and retaliation, consumer law or personal injuries.

In addition to banks and credit unions, the state regulators oversee roughly 20,000 non-bank entities that include a variety of businesses such as mortgage lending, consumer finance and debt collection firms among others, according to the CSBS.

The report, titled «Enhanced Credit Data and Scoring: Deeper Insight into Mortgage Applicants,» notes that consumers used to pay mortgage debts first, but because of the recent financial crisis some consumers now treat paying other debts, such as credit card bills and car payments, as a higher priority to maintain personal financial liquidity.

Other more general MAPs Rule requirements that also are important for reverse mortgage advertising include not making a material misrepresentation regarding: (i) the potential for default under the mortgage, including misrepresentations concerning the circumstances under which the consumer could default for nonpayment of taxes, insurance, or maintenance, or for failure to meet other obligations; (ii) the effectiveness of the mortgage in helping the consumer resolve difficulties in paying debts, including misrepresentations that any mortgage can reduce, eliminate, or restructure debt or result in a waiver or forgiveness, in whole or in part, of a consumer's existing obligations with any person, or (iii) that the mortgage is or relates to a government benefit, or is endorsed, sponsored by, or affiliated with any government or other program, including through the use of formats, symbols, or logos that resemble those of such entity, organization, or proOther more general MAPs Rule requirements that also are important for reverse mortgage advertising include not making a material misrepresentation regarding: (i) the potential for default under the mortgage, including misrepresentations concerning the circumstances under which the consumer could default for nonpayment of taxes, insurance, or maintenance, or for failure to meet other obligations; (ii) the effectiveness of the mortgage in helping the consumer resolve difficulties in paying debts, including misrepresentations that any mortgage can reduce, eliminate, or restructure debt or result in a waiver or forgiveness, in whole or in part, of a consumer's existing obligations with any person, or (iii) that the mortgage is or relates to a government benefit, or is endorsed, sponsored by, or affiliated with any government or other program, including through the use of formats, symbols, or logos that resemble those of such entity, organization, or proother obligations; (ii) the effectiveness of the mortgage in helping the consumer resolve difficulties in paying debts, including misrepresentations that any mortgage can reduce, eliminate, or restructure debt or result in a waiver or forgiveness, in whole or in part, of a consumer's existing obligations with any person, or (iii) that the mortgage is or relates to a government benefit, or is endorsed, sponsored by, or affiliated with any government or other program, including through the use of formats, symbols, or logos that resemble those of such entity, organization, or proother program, including through the use of formats, symbols, or logos that resemble those of such entity, organization, or program.