Sentences with phrase «provided by creditors»

While it is true that eliminating the seventh element might render estimates of costs provided by creditors less accurate, this must be weighed against the consumer's certainty about the timing of the Loan Estimate, as well as being simultaneously and well informed about all of his or her potential options.

Fair share payments are provided by creditors to the debt consolidators for providing an avenue for debt collection other than the usual charge - offs and collection agency referrals.

An underwriter is a person, who reviews potential clients to assess their fitness for the service provided by a creditor, health insurance company and investment house.

The final rule revises the regulatory definition of the term «application» to provide clarity to consumers regarding when a Loan Estimate must be provided by a creditor or mortgage broker.

A consumer commenter asserted that the Loan Estimate should always be provided by the creditor because permitting mortgage brokers to issue the Loan Estimate would add another party to the mortgage process and could cause consumer confusion.

In addition, below the same subheading, a reference for adjustments for items paid by seller in advance also would have been required to be provided by the creditor or closing agent.

In addition, below the same label, a reference to the subtotal of closing costs paid at closing by the consumer with adjustments for items paid by the seller in advance also would have been required to be provided by the creditor or closing agent.

For loans where a portion or all of the closing costs are offset by a credit or rebate provided by the creditor (sometimes referred to as «no - cost» loans), whether all or a defined portion of the closing costs disclosed under § 1026.37 (f) or (g) will be paid by a credit or rebate from the creditor, the creditor discloses such credit or rebate as a lender credit under § 1026.37 (g)(6)(ii).

These commenters also questioned the definition of «loan costs» in comment 37 (l)(1)(i)-1 which defines loan costs as costs disclosed under § 1026.37 (f), arguing that the amount disclosed would be overstated because the definition does not account for credits provided by the creditor, mortgage broker, seller, or other party.

Not exact matches

Tsipras has also insisted that debt relief must form an important part of the package, but a statement by Eurozone leaders on Monday said only that further measures might be taken provided Greece adhered in full to the reforms demanded by its creditors.

And, if there is something you feel requires additional information to describe an extenuating circumstance or otherwise provide context to something negative on your report, additions made to the Fair Credit Reporting Act in 1996 allow you to add a 100 - word statement to any of the reports that include an item you dispute but wasn't removed because it was verified by the creditor.

The relief, the IMF, says must be provided by European creditors while the IMF is repaid in whole.

The second piece of information a credit report provides is about credit inquiries by creditors, whether soft (when you get pre-approved for a line of credit) or hard (when you apply for a line of credit and the creditor pulls your credit report).

When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name.

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred.

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.

You acknowledge that Section 1542 provides that: «A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.»

They are paid by creditors to provide updates to your credit file whether accurate or not.

Providing many of the same benefits as filing bankruptcy, including creditor protection and elimination of overwhelming debts, by choosing a consumer proposal, people with severe debt problems gain several advantages over other forms of debt relief the most significant of which is dramatically lower monthly payments and avoiding bankruptcy.

Debt negotiation implies agreeing with the debtor's creditors new repayment programs with debt reductions, interest rate reductions and extensions on the repayment schedules so as to ease the situation of the debtor by providing lower monthly payments he will be able to afford.

Ovation provides a number of credit correction and improvement services including the creation and sending of custom validation dispute letters to creditors, and creditor goodwill letters, as well as Ovation recommendation letters signed by Ovation's Directing Attorney that customers can use in future dealings with potential lenders.

This procedure relies on using the required legal language and then holding the creditors and credit bureaus responsible by filing appropriate charges and providing the requisite evidence that the credit bureaus and creditors had notice but were negligent in following the law.

Clients have gained the financing, partnerships, vendor, and creditor relationships needed to succeed and grow from the programs provided by our expert credit team.

Lastly, the Act provided a means by which debtors may dispute and validate the debt claimed against them by the debt collector and or original creditor.

Debt settlement programs are usually provided by for - profit companies, which negotiate with your creditors to settle your debt for less than what you owe, paid in a lump amount.

The type of data they provided is called customer management which helps the creditor provide new products to their customers without taking on additional risk by providing the creditor with their customer's credit activity and trends, The credit bureaus also provide data to help the creditors acquire new clients.

And, if there is something you feel requires additional information to describe an extenuating circumstance or otherwise provide context to something negative on your report, additions made to the Fair Credit Reporting Act in 1996 allow you to add a 100 - word statement to any of the reports that include an item you dispute but wasn't removed because it was verified by the creditor.

d. Customer understands that the results obtained by Joe's Credit Repair on behalf of Customer are dependent on numerous factors, including but not limited to Customer's ability to repay debts and loans, cooperation of Customer's creditors, and credit reporting agencies ability to verify information provided to them by Joe's Credit Repair on behalf of customer.

The FTC website provides many helpful resources, including a sample dispute letter and a form affidavit which can be used if a sworn statement is needed by any creditors.

This can provide flexibility in the payment of dividends to different family members; a structure to minimize taxes paid by your family unit; multiple access to the qualified small business capital gains deduction (see topic 136); and some creditor - proofing for cash presently accumulated in your company.

A facilitator of a refund anticipation loan or refund anticipation check may not assess or impose any fee, charge or other consideration in the making of a refund anticipation loan or refund anticipation check unless that fee, charge or other consideration is included in the disclosed refund anticipation loan fee and the refund anticipation loan interest rate charged by the creditor or bank that provides the loan or check.

(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.

The section also provides grounds for dissolution by a member of the corporation or by a creditor.

But the knowledge of exemptions is still important to chapter 13 debtors, since the Bankruptcy Code requires that chapter 13 plans, in order to be confirmed by the court, must provide as much payment to the debtor's unsecured creditors as these creditors would receive in a theoretical chapter 7 liquidation.

(4) Any creditor may respond to a consumer proposal by filing with the administrator a proof of claim in the manner provided for in

For example, if you have stopped making payments on your credit card on June 1, 2006 and the credit card company sends you a letter demanding payment in full on December 1, 2006, your SOL time frame begins on that date provided no further action is taken by you or the creditor.

The intent was to provide individuals with a procedure for restructuring their personal debts in the same manner that businesses could, by using a simplified version of the proposal to creditors.

The Credit Robbers describes secret loop - holes in the credit system that legally boosts your FICO ® credit scores and allows removal of bad credit, bankruptcy, and more while exposing consumer credit fraud by creditors and provides expert guidance in credit repair and identity theft.

The court provides legal protection against further action by creditors.

To verify the credit information, lenders must use a published address or telephone number for that creditor and not rely solely on information provided by the applicant.

And even though all debt settlement programs charge a fee, the savings Freedom Debt Relief could provide by significantly reducing the amount you owe creditors should still help you get out of debt faster and for less money on the whole.

It is provided by a special kind of creditors who are not bothered by the borrower's credit.

The creditor may, for reasonable cause, decline the insurance provided by the debtor.

(c) If the debtor fails to provide any required property insurance, the creditor may, but is not required to, purchase insurance insuring its interest only, or with the debtor's written consent, insuring both the creditor's interest and the debtor's interest, and the premium for the property insurance together with interest on the premium at the contract rate or other rate agreed to in writing may be charged by the creditor to the debtor.

In a consumer credit transaction contract where the original amount financed exceeds ten thousand dollars ($ 10,000) or the credit transaction is secured by real property, the creditor may require the payment by the debtor of attorney's fees prior to default by the debtor in connection with the closing of, amendment to, or modification of the credit transaction, provided that the attorney is not a salaried employee of the creditor.

(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:

A contract for a consumer credit transaction with an original amount financed exceeding three hundred dollars ($ 300) may provide for the payment by the debtor of reasonable attorney's fees not exceeding 15 percent of the unpaid debt after default and referral of the contract to an attorney who is not a salaried employee of the creditor.

Except as provided in subsection (a), any creditor who fails to comply with any requirement imposed under this chapter with respect to any person is liable to the person only for the actual economic damages sustained by the person as the result of the failure.

Effective June 19, 1996, an existing precomputed consumer credit transaction contract and a subsequent precomputed consumer credit transaction document may be consolidated provided that the consumer can not be required to consolidate the contracts as a condition for the extension of credit nor can the creditor be required to extend credit; and provided further, that if such contracts are consolidated, the annual percentage rate resulting from the consolidation can be no greater than the annual percentage rate on the prior existing consumer credit transaction contract nor can the consumer be charged any duplicate fees or expenses that originated in the existing consumer credit transaction contract, provided, however, that finance charges and other charges and fees rebated in accordance with applicable law and those charges as permitted by Section 5 -19-4 (f) and UCC filing fees or nonfiling insurance premiums in lieu thereof are excluded from this provision.

If the debtor does not exercise the option of providing the insurance through an existing policy or a policy independently obtained and paid for by the debtor, the creditor may purchase the insurance on the property and charge the premium for the insurance to the debtor.