PPT-Credit and Debt Management

Agenda Start time Break time 10 minutes End time   Please set phones to silent ring and answer outside of the room How I Feel About Credit and Debt How do you feel about being in debt Here are some sample statements Check the one that is closest to your own attitude. The credit reference agencies dont hold blacklists and dont tell the lender if they should offer you credit or not thats for the lender to decide Credit granting When you apply for credit you will be asked permission by the lender to search your cre Credit Management. Three C’s of Credit. Character. Honesty to pay a debt when it is due.. How past debt obligations were handled. Capacity. Refers to a person’s ability to pay a debt when it is due. JAMES A. FRANCIS. Francis & Mailman, PC. Land Title Building, 19. th. Floor. 100 South Broad Street. Philadelphia, PA 19110. Phone: 215-735-8600. Fax: 215-940-8000. E-mail: . jfrancis@consumerlawfirm.com. what’s . it . got to do with the Church?. Tom Sefton. Adviser on Economics and Social Policy, . Mission & Public Affairs, Church of England. Problem debt in the UK. 8.8m households (18%) are over-indebted. Dealing With Debt Collectors:. Taking Control!. Your . Presentor. :. Adrian . Klenz. Financial Literacy Specialist. HUD Certified Housing Counselor. At Western . Dairyland. 715-836-7511 ext. 1151. aklenz@westerndairyland.org. 20 Years of Organizational Transformations. Xavier Rame. Fiscal Affairs Department. 6th Annual Seminar. International Association of Treasury Services. “State Accounting Reform and Cash Management”. Name, county, and date here. All Credit is Not Equal. Affordable Credit. vs. .. Too . Much Credit. When you use credit,. you’re spending money . before . you earn it. .. Types of . Credit:. Revolving Credit Account. by . T. Current as of September 2014. U.S. household consumer debt profile:. Average credit card debt: . $15,607. . Average mortgage debt: . $153,500. . Average student loan debt: . $32,656. . In total, American consumers owe:. Credit Management. Three C’s of Credit. Character. Honesty to pay a debt when it is due.. How past debt obligations were handled. Capacity. Refers to a person’s ability to pay a debt when it is due. Average Mortgage Debt: $150,000 . Average Student Debt: $33,000 . What is debt?. Debt . - M. oney owed . to a lender for a set of terms . including . time frame, interest rate, and repayment . schedule. Credit Card Debt Good vs. Bad Debt 12 th Grade Advisory Activity Basic Credit Card Information Credit card average interest rate: 16-17% When credit card bills are paid off within a month, no interest is paid The Benefits of Reading Books The Benefits of Reading Books DEBT. A . debt is an amount of borrowed money by one party from another. .. SECURED: covered by a lien on collateral. Mortgage. Car loan. UNSECURED: not covered by a lien on collateral. Personal loans.