Sentences with phrase «payments on all their consumer debts»

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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.

With debt consolidation and consumer credit counseling, a person stays current on their payments.

Interest stops building upon accepted proposals from the date you file your consumer proposal, making it possible to see real progress, reduction in your already «reduced» debt with each payment made — in like amount to the actual consolidated, monthly payment made — unlike what you previously experienced with minimum payments on your credit card that never seemed to reduce the balance owing, leaving you more despondent with each passing month and year.

Cars will also lose value over time, unlike most homes, so high interest rates and monthly payments on an older car can also leave a consumer paying more in debt than their car is worth — known as being «upside - down.»

If the consumer enrolls in a Debt Management Program (DMP), a notation may appear on the credit report, at the discretion of the lender, that the consumer is making payments through a 3rd party.

Remember that when you move your consumer debt, which is unsecured, to your home, you're putting it at risk if you end up defaulting on payments.

This week, new research from TransUnion found that Canadian consumers who make more than the minimum payments monthly on their credit card debt are also more likely to make higher payments on other types of credit as well.

That means these consumers weren't just late on their payments — they were so late that the creditor hired a debt collector to collect the money or wrote the debt off entirely as a loss.

Consumer credit card debt and the delinquency rates on credit card payments — will likely increase over the next few years.

The reason why is because when paying minimum payments only consumers can be paying on credit card debt for the rest of their life.

NO waiting period after a foreclosure for an FHA Loan if you had NO late payments on ANY mortgage or consumer debt in the 12 - months proceeding the short - sale AND it was NOT a strategic short sale.

There are many occasions where a consumer will come across an old debt still listed on their credit report and make a mistake by making a payment towards a debt.

When faced with payment pressure on the 10 - year payment plan due to other debts, the logical way to deal with getting back to affording the payment is to consider filing bankruptcy to move the other consumer debt out of the way.

On the federal side, since all his debt is student loans there is no other consumer debt to clear off the books to make the payments more manageable.

If you are not able to make minimum payments or you're behind on your debts, a visit with a consumer credit counselor in your area might be in order.

We do not make monthly payments to creditors, take on consumer debt, nor do we provide credit repair services, or bankruptcy, tax, legal, or accounting advice.

With high APRs on credit cards, consumers who are not able to make a monthly payment obligation in full to clear the balance could end up jeopardizing their credit score and falling in debt rather quickly.

Debt can be hard to crawl out of, especially when payments on credit cards, consumer loans and student loans continue to pile up on top of your living expenses.

Three years ago, I told you the FTC and New York Attorney General (NY AG) announced complaints against debt collectors that allegedly used a slew of abusive and deceptive tactics to pressure consumers into making payments on questionable debts.

Focus on how your life will improve without being saddled with credit card payments and other consumer debt.

A process where a consumer makes a payment, any payment on an unpaid debt that has almost reached the statute of limitations.

Debt to income ratio can be instructive, late payments on existing debt may be a sign, but each consumer's situation is differDebt to income ratio can be instructive, late payments on existing debt may be a sign, but each consumer's situation is differdebt may be a sign, but each consumer's situation is different.

A lender might have denied credit based on a subjective judgment that a consumer already held too much debt or had too many recent late payments.

Yes, I was someone who racked up a lot of credit card debt (add on top the over $ 25,000 in consumer loans) and only paid attention to the minimum monthly payment.

California debt settlement programs can be used as a second alternative to dealing with credit cards if the consumer is current on their payments but on the urge of falling behind.

It depends on a lot of factors but I'd consider paying off the debt right away if its high interest consumer debt as you'd see an immediate improvement in your monthly cash flows (your monthly debt payments would be eliminated / decreased).

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.

An agricultural mortgage can offer more flexibility on payment options, repayment period, and can even provide debt transfer options not available through a standard consumer mortgage.

The rate at which consumers fall behind on their credit card debt payments continues to drop, as do consumers» balances on those cards.

If that payment is more than you can handle, perhaps a Consumer Proposal could be an option — on that same $ 30,000 in debt, it's possible a consumer proposal could be set up with payments of as little as $ 200 per month for just over fouConsumer Proposal could be an option — on that same $ 30,000 in debt, it's possible a consumer proposal could be set up with payments of as little as $ 200 per month for just over fouconsumer proposal could be set up with payments of as little as $ 200 per month for just over four years.

Accelerate Payments on Your Loan: I thought about refinancing my automobile loan through USAA when my family I committed to stop borrowing and pay off over $ 90,000 of consumer debt.

On average when a consumer has $ 30,000.00 in bills, on a settlement program a $ 560 payment could have them debt free in around three years and sometimes lesOn average when a consumer has $ 30,000.00 in bills, on a settlement program a $ 560 payment could have them debt free in around three years and sometimes leson a settlement program a $ 560 payment could have them debt free in around three years and sometimes less.

The total debt and payment history make up 65 % of a consumers credit score so by making credit card payments on time and for more than the minimum you kill two birds with one stone.

Instead of paying on your credit card payments for the next 8 - 10 years, you could be debt - free in around 4.5 years with consumer credit counseling.

If a consumer defaults on a secured loan, the collateral used to back the loan can legally be taken as payment for the outstanding debt.

They are off to a good start having no consumer debt and making regular payments on their mortgage.

By making payments on time and keeping your debt to a minimum, consumers are far more likely to qualify for the most favorable, lowest interest loans.

Sorry I mean't to add one other thought, if the card holder is carrying a high balance and their interest rates increase like the banks have been raising in recent months, this could backfire on the banks themselves, I mean since the banks give a 45 notification of the increase and the consumer is already maxed out and can barely make the payments as it is, the increased interest rates because of how the congress requires at least all the monthly interest and some of the principle to be paid on the cards, done so that consumers could reduce the amount of time to illiminate their debts, this may spawn many card holders whoms payments will increase much like those adjustable rate mortgages that people walked away from to go wild with their remaining balances on the card and then default, the whole irony is that the consumer may very well use the card thats damaging them to pay for bankruptcy proceedings lol!

They offer services that can assist in negotiating debt repayment, consolidating debts into a single payment, and advising consumers on the best course of action for their unique situation.

In addition to a civil penalty of $ 2.5 million, Asset Acceptance has agreed to inform consumers when their debts are too old to be legally enforceable and to let consumers know that a partial payment would essentially restart the statute of limitations on that account.

Expert Tip: Debt settlement programs are ideal for consumers who fell behind on monthly payments and are experiencing a financial hardship.

Consumers can quickly find out what type of payment they will have on a debt settlement, debt validation, and debt consolidation program.

Some consumers may find out that based on their current payment towards their credit cards, student loans, and unsecured loans, that they will never become debt free.

The number of consumers with bad credit has grown in recent years and its well known that one late payment on a credit account can result in high APR as well as high late fees added to the debt balance.

What the monthly payments could look like in a Debt Management Plan and a Consumer Proposal on unsecured debt of $ 53,Debt Management Plan and a Consumer Proposal on unsecured debt of $ 53,debt of $ 53,300.

But until more data sources providing nonbank payment information become part of traditional credit score calculations, consumers will continue to pay their debts on time without an opportunity to increase their scores.

Consumers that find themselves so deep in debt that they are falling behind on their payments may not think there is any hope of eliminating debt unless they file for bankruptcy protection.

They also instruct consumers to immediately stop making payments to creditors on any debt entered in the World Law Program, and instead to begin making a single monthly payment into a special purpose account (SPA), ostensibly so that World Law can use it to settle consumers» debts.

If you are behind in your support payments because of the other debt you are carrying, then a consumer proposal or a bankruptcy is a good choice depending on your financial circumstances.

This allows consumers to save money on interest while making only one payment per month when paying off debt.