Sentences with phrase «sets of debt service»

Of course, they will also add the two sets of debt service obligations together.

Not exact matches

This will set off a vicious cycle of higher deficits that lead to higher debt, which in turn will mean higher interest costs and less funding available for healthcare, education and other provincial services.

And unemployment means no pricing power for labor, no wages to pay off debts accrued during the bubble, a potential wage of foreclosures and a resulting set off layoffs in the service sector.

In addition, the mortgage market looks set for a particularly heavy year of renewals in an environment where debt - servicing costs are already rising at the fastest pace in a decade.

Of course debt growing faster than debt - servicing capacity is unsustainable, so we will set as our first financial sector target the point at which the two grow in line with each other.

The budget highlights the huge imbalances created by five years of economic crisis: Spain will set aside $ 36.6 billion ($ 49.5 billion) to service its fast - rising pile of public debt, $ 2 billion more than it will spend on the 13 government ministries.

The debt - servicing ratio on household borrowing has now surpassed its late 1980s peak, and is set to rise further over the first half of 2004, given current rates of household credit growth.

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.

The spirit in which he went about that work, the results of which have put the world eternally in his debt, is fairly indicated by a memorandum written in his early forties and never intended for publicity: «Believing that I was born for the service of mankind, and regarding the care of the commonwealth as a kind of common property, which, like the air and the water, belongs to everybody, I set myself to consider in what way mankind might best be served, and what service I was myself best fitted by nature to perform.»

We are confident that the marked reduction in debt service costs coupled with the operating efficiencies, we believe we can obtain through the relocation of a majority of our operations to California in the heart of rice country, will set the stage for us to meet the ingredient needs of large CPG and specialty food companies.

call for a revision of the current formula for setting rates which requires rates to be set to fully cover the cost of operating the system, the cost of debt service for capital work and a rental payment to the City of New York, which is set at 15 % of the debt service,

What: Press conference with a diverse set of community leaders — including some who were arrested for acts of civil disobedience during last year's «debt ceiling» debate — calling on their federal officials to demand a fair deal that protects jobs and services and ensures the wealthiest pay their fair share.

Others are still in the planning stage, such as setting up the Department of Taxation and Finance to handle debt collection for the Higher Education Service Corp..

To see our set of recommended poor credit loan services, visit these pages: Recommended Bad Credit Debt Consolidation Services and Lenders Andera Yosten we are waiting to help you receive the cash you may need in your time and effort ofservices, visit these pages: Recommended Bad Credit Debt Consolidation Services and Lenders Andera Yosten we are waiting to help you receive the cash you may need in your time and effort ofServices and Lenders Andera Yosten we are waiting to help you receive the cash you may need in your time and effort of crisis.

The Department of Education may offer Literary Fund loans from the uncommitted balances of the Literary Fund after meeting the obligations of the interest rate subsidy sales and the amounts set aside from the Literary Fund for Debt Service Payments for Education Technology in this Item.

In the example set forth below, senior debt service (as well as reserve accounts for the benefit of senior bondholders) accumulates revenues ahead of TIFIA debt service and reserve accounts for TIFIA debt service, if applicable.

Explore more of our Money Management 101 page to find tips for dealing with debt smartly, or speak to one of our representatives to learn more about the personal banking services we offer that can help set you on a path toward greater financial independence.

Set up a free consultation with one of Golden Financial Services» highly skilled credit counselors to learn about the various forms of debt relief available to you.

The debt settlement program at Golden Financial Services is set up to save consumers the most money and time, while also providing consumers with an enormous amount of financial education.

Golden Financial Services recommends that you always set payments to be automatically debited each month for all of your debts including secured and unsecured bills, ensuring you are never late and your bills get paid on time.

Our debt negotiation services will handle all of the work, while you only have to set aside the affordable monthly payment.

Daniel R. Gamez media appearances are just one of many features that set our debt relief services apart from other lawyers and debt relief companies in California and Texas.

But I think that's appropriate — I'm evaluating financial risk at this point, so I consider debt service (& the banks) will always have first priority, rather than what set of shareholders have a claim on what portion of EBITA.

(2) If an individual assents to an agreement that contemplates that creditors will settle debts for less than the principal amount of the debt, a provider may charge: (A) subject to Section 19 (d), a fee for consultation, obtaining a credit report, setting up an account, and the like, in an amount not exceeding the lesser of $ 400 and four percent of the debt in the plan at the inception of the plan; and (B) a monthly service fee, not to exceed $ 10 times the number of creditors remaining in a plan at the time the fee is assessed, but not more than $ 50 in any month.

Offering a range of comprehensive debt relief programs, Golden Financial Services has been setting new paradigms of client satisfaction for a long time.

To decide if you are in a place to file bankruptcy and to make certain that you have tried every option to get out of debt on your own, set up an appointment with a credit counseling service.

As an example, services like that provided by this debt consolidation company will lend a hand at overcoming debt by identifying the major factors and setting a plan to make the process manageable so you won't slowly fade to the crushing force of owing.

Doug Hoyes: - that this has been in the work, the laws surrounding debt settlement services in Ontario are set to change in an attempt by the government to curb these perceived abuses of the debt settlement industry.

Professional Experience ABC Debt Relief (City, ST) 12/2006 — 11/2011 Client Service Manager • Responsible for overseeing daily operations of a 35 Account Manager call center ensuring effective operations • Recruit and train new sales and customer service employees in industry best practices and company policies • Strictly enforce compliance with all applicable laws, industry regulations, and corporate protocols • Provide exceptional customer service and professional guidance in the area of debt management, credit, and bankruptcy • Maintain detailed monthly reports for management concerning budgets, monthly projections, and quarterly goals • Responsible for performance appraisals, deficiency warnings, and conflict resolution for employees • Review and manage all BBB and Attorney General complaints determining appropriate next steps • Monitor department productivity with inbound and outbound calls providing feedback to team leads and supervisors • Author and lead presentations at meetings for clients, employees, and senior management • Train team leads and supervisors in laws governing credit reporting and debt settlement such as (FDCPA) Fair Debt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduce clDebt Relief (City, ST) 12/2006 — 11/2011 Client Service Manager • Responsible for overseeing daily operations of a 35 Account Manager call center ensuring effective operations • Recruit and train new sales and customer service employees in industry best practices and company policies • Strictly enforce compliance with all applicable laws, industry regulations, and corporate protocols • Provide exceptional customer service and professional guidance in the area of debt management, credit, and bankruptcy • Maintain detailed monthly reports for management concerning budgets, monthly projections, and quarterly goals • Responsible for performance appraisals, deficiency warnings, and conflict resolution for employees • Review and manage all BBB and Attorney General complaints determining appropriate next steps • Monitor department productivity with inbound and outbound calls providing feedback to team leads and supervisors • Author and lead presentations at meetings for clients, employees, and senior management • Train team leads and supervisors in laws governing credit reporting and debt settlement such as (FDCPA) Fair Debt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduceService Manager • Responsible for overseeing daily operations of a 35 Account Manager call center ensuring effective operations • Recruit and train new sales and customer service employees in industry best practices and company policies • Strictly enforce compliance with all applicable laws, industry regulations, and corporate protocols • Provide exceptional customer service and professional guidance in the area of debt management, credit, and bankruptcy • Maintain detailed monthly reports for management concerning budgets, monthly projections, and quarterly goals • Responsible for performance appraisals, deficiency warnings, and conflict resolution for employees • Review and manage all BBB and Attorney General complaints determining appropriate next steps • Monitor department productivity with inbound and outbound calls providing feedback to team leads and supervisors • Author and lead presentations at meetings for clients, employees, and senior management • Train team leads and supervisors in laws governing credit reporting and debt settlement such as (FDCPA) Fair Debt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduceservice employees in industry best practices and company policies • Strictly enforce compliance with all applicable laws, industry regulations, and corporate protocols • Provide exceptional customer service and professional guidance in the area of debt management, credit, and bankruptcy • Maintain detailed monthly reports for management concerning budgets, monthly projections, and quarterly goals • Responsible for performance appraisals, deficiency warnings, and conflict resolution for employees • Review and manage all BBB and Attorney General complaints determining appropriate next steps • Monitor department productivity with inbound and outbound calls providing feedback to team leads and supervisors • Author and lead presentations at meetings for clients, employees, and senior management • Train team leads and supervisors in laws governing credit reporting and debt settlement such as (FDCPA) Fair Debt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduceservice and professional guidance in the area of debt management, credit, and bankruptcy • Maintain detailed monthly reports for management concerning budgets, monthly projections, and quarterly goals • Responsible for performance appraisals, deficiency warnings, and conflict resolution for employees • Review and manage all BBB and Attorney General complaints determining appropriate next steps • Monitor department productivity with inbound and outbound calls providing feedback to team leads and supervisors • Author and lead presentations at meetings for clients, employees, and senior management • Train team leads and supervisors in laws governing credit reporting and debt settlement such as (FDCPA) Fair Debt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduce cldebt management, credit, and bankruptcy • Maintain detailed monthly reports for management concerning budgets, monthly projections, and quarterly goals • Responsible for performance appraisals, deficiency warnings, and conflict resolution for employees • Review and manage all BBB and Attorney General complaints determining appropriate next steps • Monitor department productivity with inbound and outbound calls providing feedback to team leads and supervisors • Author and lead presentations at meetings for clients, employees, and senior management • Train team leads and supervisors in laws governing credit reporting and debt settlement such as (FDCPA) Fair Debt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduce cldebt settlement such as (FDCPA) Fair Debt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduce clDebt Collections Practices Act and the (FCRA) Fair Credit Reporting Act and (FTC) Federal Trade Commission regulations • Set and strictly enforce budget for the payroll of both salaried and hourly employees • Responsible for final approvals for payment refunds issued to the client • Assist with Debt Tracker and the Debt Manager and negotiate with creditors to reduce clDebt Tracker and the Debt Manager and negotiate with creditors to reduce clDebt Manager and negotiate with creditors to reduce client

The first set of amendments, proposed in April 2013 and published on July 24, 2013, clarify, correct, or amend provisions on the relation to State law of Regulation X's servicing provisions; implementation dates for adjustable rate mortgage servicing; exclusions from requirements on higher - priced mortgage loans; the small servicer exemption from certain servicing rules; the use of government - sponsored enterprise and Federal agency purchase, guarantee or insurance eligibility for determining qualified mortgage status; and the determination of debt and income for purposes of originating qualified mortgages.