Sentences with phrase «significant payments on your debts»

But now that you can clearly see what needs to be done in order to move forward financially, you'll have a stronger chance of sticking to more significant payments on your debts.

Not exact matches

The IMF added that if growth was lower than expected or if the Greek government failed to meet targets for running a surplus on its budget excluding interest payments, there would be «significant increases in debt and gross financing needs».

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.

It would mean Greece following through on its market reforms and privatizations + Greece reforming and downsizing its civil service + Greece maintaining a stable government despite public outcry + Greece fixing its tax collection system + the troika being willing to put off some Greece interest payments and then writing off some significant portion of Greece's debt when Greece's government finally consistently reaches a primary surplus.

If you're like most people, you've been making the minimum payments on your debts in order to keep them at bay, but you probably haven't made any significant progress in paying them off.

While it can be more difficult to save up a down payment and qualify for a mortgage if you have significant student loan debt, before you give up on your dream of owning a home sooner rather than later, sit down with a calculator or a financial planner to see if it makes financial sense to buy a home now.

For example, borrowers with excellent credit, significant cash reserves, or a long history of making mortgage payments on time are often allowed to exceed the 43 % debt threshold.

«The amount of debt has a more significant impact on the monthly payment than the change in interest rates,» Kantrowitz said — something to keep in mind if you're starting a college search this summer and comparing costs.

That is also the precise category of individual likely to have significant student loan debt and benefit from lowering AGI to qualify for reduced student loan payments on an IDR plan.

Not advisable to seek a balance transfer card is to meet the minimum payments on your credit card debt, there lies a more significant problem in the form of overspending or lack of earnings on your end.

Clients have only one monthly payment while on the program and end up paying back a significant amount less than owed on their debts upon graduation from this type of credit card program.

However, with consolidation, you would pay back a significant amount less and get out of debt faster, than when staying current and paying minimum payments on your own.

You might fall into this scoring range if you defaulted on some credit cards, have significant late payment history and / or have a high debt - to - limit ratio.

Missing a payment to a debt consolidation company can have a much more significant impact than a missed payment on a credit card bill or loan.

Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt - to - income ratios that's needed to buy a home, discussing their student loan and non-student loan debt with their significant others.

If you are dealing with a significant amount of credit card debt or are unable to continue making payments on your credit card, Golden Financial Services can help you determine the best debt relief programs for your financial situation.

However, if you and your significant other are experiencing a financial or life hardship, or struggling to make minimum payments on your high - interest debt, a better plan may be to enroll in a debt settlement program together.

Installment debt such as student loans or car loans that are well managed will not have as significant of an impact on your credit score so long as you remain up - to - date on your payments and make all your payments on time.

Help with money management and budgeting skills Assistance with financial planning Reduction or elimination of existing debt in only three to five years Waiver or reduction of the interest rate Removal of finance charges A halt to harassing calls from lenders and collection agencies Lower monthly payments Debt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card interdebt in only three to five years Waiver or reduction of the interest rate Removal of finance charges A halt to harassing calls from lenders and collection agencies Lower monthly payments Debt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card interDebt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card interest.

The primary consumer protection problem areas that have given rise to the States» actions include: (1) unsubstantiated claims of consumer savings; (2) deceptive representations about the length of time necessary to complete a debt relief program; (3) misleading or failing to adequately inform consumers that they will be subject to continued collection efforts, including lawsuits, and that their account balances will increase due to extended nonpayment under the program; (4) deceptive disparagement of consumer credit counseling; (5) deceptive disparagement of bankruptcy as an alternative for debtors; (6) lack of screening and analysis to determine suitability of debt relief programs for individual debtors; (7) the collection of substantial up - front fees so the debt relief company gains even if it fails to perform; (8) lack of transparency and information for consumers as to payment of fees, status of accounts, and communications with creditors; (9) significant delays in active negotiation or engagement with creditors, coupled with prohibitions on direct consumer communications with creditors; and (10), in the case of debt settlement companies, basing savings claims (and settlement fees) not on the original account balance, but on the inflated amount due (including late fees and default rates of interest) at the time of settlement.

Generally, though not always, your creditors will freeze the interest and penalties on your debts so that your reducing your monthly payment doesn't have significant adverse effects in the long run on the amount you need to pay back.

This way, even if you are unable to pay off your IRS debt this year, you can work with the tax advocate to help you come up with a reasonable payment plan that will help you pay off your debt in a reasonable amount of time so that it won't have a significant impact on your future returns.

A late payment on a credit bill or other debt such as a mortgage can have a significant impact on your credit score.

At the core, debt settlement is the best option for creditors to «lose the least» on accounts where a client is past due with their payments and owe a significant balance.