Sentences with phrase «other debt management programs»

Other debt management programs, like credit counseling and debt consolidation may have a lesser impact on your credit score depending on how much you owe and whether or not you're able to leave old credit card accounts open after paying them off.

If you're struggling with the weight of personal debt, American Consumer Credit Counseling (ACCC) offers debt solutions that include credit counseling, credit card debt consolidation and other debt management programs.

This is a follow up post by one of our guest writers about her experiences with dealing with loan modification companies, debt settlement companies and other debt management programs.

Not exact matches

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.

There are other programs including debt management, tax resolution, and credit restoration that consumers may qualify on.

Additionally, is this source of money better than other debt relief options such as a debt consolidation loan or a debt management program?

Other possible debt - relief choices include a debt management program or debt settlement, but both of those typically need 3 - 5 years to reach a resolution and neither one guarantees all your debts will be settled when you finish.

Mastering Your Debt: Debt Consolidation and Three Other Positive Steps A debt consolidation program may be an option if you can not come up with a good debt management plan on your Debt: Debt Consolidation and Three Other Positive Steps A debt consolidation program may be an option if you can not come up with a good debt management plan on your Debt Consolidation and Three Other Positive Steps A debt consolidation program may be an option if you can not come up with a good debt management plan on your debt consolidation program may be an option if you can not come up with a good debt management plan on your debt management plan on your own.

DebtWave offers credit counseling sessions, debt management programs (DMP) and other financial education programs to help you best understand your current financial status and learn what steps you can take to become debt free faster.

You can hire a credit repair company that offer other credit repair services such as credit counseling or debt management programs.

The debt management program at CCMS was designed to help with credit cards and other unsecured debt for those unable to keep up with payments.

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.

A debt management program from ACCC is a great alternative to credit card debt consolidation loans and many of those other companies charge significant fees for consolidating credit cards.

If you feel that you are being pressured into a debt management program prior to exploring all of your other options, you should seek assistance from another firm.

Keep in mind: Even if a credit card company turns you down for a hardship program, the same company will very likely go along with a reduced APR and other accommodations if you work through a nonprofit credit counseling agency to set up a Debt Management Plan.

There are other ways to consolidate your debts — debt management programs, debt settlement, home equity or personal loans — but each one has pros and cons that may or may not make it right for your situation.

Ideally, you should investigate bankruptcy at the same time as you're exploring other debt - reduction options, such as a debt management program, Shulman said.

The required curriculum should be within a program that supports development in personal finance, debt management and counseling skills through additional course work or other educational or experiential opportunities.

Debt settlement is different from other types of debt relief program, like the Debt Management Plan mentioned above where the company's representatives negotiate lower interest rates and send the payments to your creditors on your behDebt settlement is different from other types of debt relief program, like the Debt Management Plan mentioned above where the company's representatives negotiate lower interest rates and send the payments to your creditors on your behdebt relief program, like the Debt Management Plan mentioned above where the company's representatives negotiate lower interest rates and send the payments to your creditors on your behDebt Management Plan mentioned above where the company's representatives negotiate lower interest rates and send the payments to your creditors on your behalf.

On the other hand, debt management programs typically require you to stop using credit cards, which can have a negative impact.

And if this article hasn't answered all your questions, one of our Certified Debt Consultants would be happy to answer any questions you may have about debt consolidation, the Freedom Debt Relief program, and other debt solutions like debt managemDebt Consultants would be happy to answer any questions you may have about debt consolidation, the Freedom Debt Relief program, and other debt solutions like debt managemdebt consolidation, the Freedom Debt Relief program, and other debt solutions like debt managemDebt Relief program, and other debt solutions like debt managemdebt solutions like debt managemdebt management.

Student loans are debts and are covered by applicable law if they are included in a debt management plan, a debt settlement program or any other debt relief product.

Our debt management program offers a lot of advantages over other strategies to eliminate debt.

Even if their accounts stand frozen because they have already been placed in a debt management program, this person may still be in possession of other credit cards and be in a position to open and use new accounts.

Programs: Education for seniors 62 and other the options and alternatives and benefits of a reverse mortgage; homebuyer education and foreclosure prevention, debt management and debt consolidation, student assistance, mortgage assistance and financial education and credit counseling.

Our credit counselors can tell you much more about how our debt management program works and about other solutions for how to pay off credit cards and avoid debt.

Performs activities relating to cash management operations, investments, debt programs, and other special projects as directed by the...