Sentences with phrase «portion of debt with»

In the era prior to the CARD Act many issuers applied payments made by cardholders to finance charges and balances with lower interest rates which cause higher interest accrual on the accounts and made it more difficult to pay down the total balances on their credit card accounts faster as the portions of their debt with higher interest rates were carried forward from month to month.

Not exact matches

NRF estimates that tax equity currently accounts for 40 - 50 % of the capital stack of a typical solar project, and notes that this portion will shrink, likely to be replaced with more debt.

A number of countries with mounting debt loads can't continue to pay the interest portion of their debt, let alone ever pay it back.

Rather, my impression is that the problems at JPM may be the result of using highly leveraged, illiquid derivative transactions as a «cross-hedge,» intended to reduce the risk of default in a whole portfolio of complex positions including (but not limited to) European mortgage debt, but with the long and short portions of the position behaving unexpectedly in relation to each other.

Your shares now receive a larger portion of the net income and dividends with no increase in the debt load.

By the end of January, the Italian government managed to strike a deal with the European Commission (EC), which allowed the country's lenders to offload their poor - quality debt to private investors, along with a government guarantee to protect buyers of bad loans — but which would cover only the safest portions of the loans.

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.

Their father, the bumbling Mace Tyrell, serves on the king's Small Council and was most recently sent to Braavos to negotiate friendlier terms with the Iron Bank, which has called in a portion of the Crown's debts.

The debt retirement will be structured to be combined with the District's current debt, a significant portion of which will be retired in the next few years.

«NNPC claimed that we owe N11 billion but failed to reveal that they owe us N16 billion with a key portion of the debt spanning over two years,» Ubah said.

However, part of the challenge for a place like Illinois, because we have so much debt, is that an unbelievably large portion of our liability is associated with workers and retirees who are over the age of 60.

You will only be responsible for your portion of the tax debt, along with a portion of the interest and penalties.

If you select this debt relief restructuring option, Westgeest & Associates will work with you to develop a plan, a proposition, proposal: an offer to pay your creditors a portion of what they are owed, including any other term (s), condition (s) required to see, foster the proposal to completion over a period extending up to five (5) years, and present, negotiate and administer the plan with your creditors.

Today, about 30 % of borrowers with student loan debt did not finish their education; in other words, this portion of borrowers did not have a degree.

Many people fall into this type of situation — they experience financial setbacks that prevent them from keeping up with monthly debt payments, but they have enough money in a retirement account to pay a portion of the debts.

If you retire with debt, whether it's a mortgage, car loan, or credit card debt, a portion of your income must go to debt servicing costs and that leaves less money to live on.

You could still make this work, though, by transferring the debt with the highest interest rate, even if it's just a portion of the balance.

In May 2017, for example, Puerto Rico announced its intentions to restructure a significant portion of the $ 70 billion in municipal debt it owes after failing to reach an agreement with bondholders.

It deals with a significant portion of the massive block of student debt ($ 1.4 trillion and counting) that is currently plaguing graduates throughout the country.

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.

Debt to income ratio has less to do with your mortgage: it's the amount that you currently have to pay for all your personal debts, measured as a portion of your income.

Now that you know there's no easy way out of any portion of your debt, establish a structured payment or payoff plan, and follow through with it until all balances are paid in full or at a manageable level.

Eventually we opted to transfer this debt into a secured loan of $ 100,000 with a hybrid rate — a fixed rate portion at 1.99 % (up for renewal in Oct 2017) and a variable rate at 2.7 % (prime +0 %).

As discussed previously in the article, you will negotiate with the creditor to allow you to pay only a portion of your debts.

Even with flexible payment plans, a large portion of debt holders have defaulted.

(1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty - day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty - day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Borrowers with federal loans have many payment options, some of which can lead to portions of their debt being forgiven, but sorting through them often requires guidance — and servicers have done a poor job of providing it, according to government oversight reports.

If you filed jointly with your spouse, and the IRS took your full refund for your spouse's debts, you can get your portion of the refund.

In a consumer proposal, you make a deal with your creditors to settle your debts for a portion of what you owe.

Because you repay only a portion of your debts, without interest, a consumer proposal can be a cheaper alternative to a high cost debt consolidation loan or second mortgage or a viable option if you do not qualify for refinancing with your house equity.

By paying a portion of the amount you own on your debt, you close that lender's file and with time you can overcome the damage done to your credit.

Essentially, as a term of the repayment process, a portion of your paycheck each month is «garnished» or deducted with that amount going to your lender to resolve your debt.

In other words, the court will look at your spouse's income (along with yours), in determining whether or not you are in a position to repay a meaningful portion of your debt.

Conversely, in a Chapter 13 bankruptcy, you would file a «repayment proposal» with the court which would outline a plan for paying off a portion of your debts.

If you're struggling with debt it may be a good idea to set a good portion of your saving efforts towards clearing that, particularly if it's an expensive credit card or loan.

So what are the implications of a large portion of the population entering the labor force with elevated debt - to - income levels?

Saving Money — Obviously the biggest advantage to settling a debt with a creditor or collection agency is the fact that you have the ability to satisfy an outstanding debt for only a portion of what you actually owe.

They enjoy some key advantages — younger / faster growing populations (with far lower entitlements), labour costs that are a fraction of developed market costs, control of a major portion of the world's natural resources, low / stable debt ratios, a 50 % share of world GDP, and GDP growth expected to be twice that of developed markets.

settle, settlement, or debt settlement [top] Reach an agreement with a lender / creditor to repay only a portion or part of the debt as a settlement / satisfaction / compromise for payment of less - than - full balance and report the balance owed as zero.

With Stafford Loans, a portion of your debt may be government subsidized, with a lower rate and your interest will not accrue during school on subsidizes loWith Stafford Loans, a portion of your debt may be government subsidized, with a lower rate and your interest will not accrue during school on subsidizes lowith a lower rate and your interest will not accrue during school on subsidizes loans.

You might be able to settle on paying a portion of your debt, or you might be able to work out a payment installment plan with them.

Net - net is defined as net working capital (current assets minus current liabilities) minus the long - term portion of debt — i.e., debt with maturity of greater than one year in the future (debt coming due within one year is part of current liabilities).

Consumer Proposal: a consumer proposal is an arrangement you make with your unsecured creditors to repay a portion of you debt usually through monthly payments over a period of up to 5 years.

Consumer Proposals are a way to negotiate with your creditors to pay off a portion of your debt, and an effective way to avoid bankruptcy.

With the support from student loan lenders, human resources professionals, and non-profits focused on combating growing levels of student debt, U.S. Reps. Rodney Davis, a Republican from Illinois, and Rep. Scott Peters, a Democrat from California, introduced new legislation this week that encourages e m ployers to pay down a portion of their employees» student debt.

Furthermore, with private lenders, borrowers often have the flexibility to exclude select low - interest portions of their student loan debt from the refinance package if the original rate is more favorable than the rate being offered.

With debt settlement, you only pay a portion of what you owe.

(c) Except as otherwise provided by law, when any debt is paid in full before the final scheduled payment date, the debtor may do so without penalty, and the creditor shall refund or credit the debtor with not less than that portion of the finance charge which shall be due the debtor as follows:

Another option would be to limit the extent to which a consumer can become indebted to AFS types of loans (such as limiting the portion of their pay, which can be subject to payday loan debt) so that fewer individuals would find themselves severely indebted with multiple AFS loans.

We managed to come up with a plan that allowed him to repay his creditors a portion of the debt and avoid filing bankruptcy.