CapitalStructure
The combination of a company's long-term debt, specific short-term debt, common equity, and preferred equity; the capital structure is the firm's various sources of funds used to finance its overall operations and growth. Debt comes in the form of bond issues or long-term notes payable, whereas equity is classified as common stock, preferred stock, or retained earnings. Short-term debt such as working capital requirements also is considered part of the capital structure. CapitalStructure provides insightful first-to-market news and analysis of the European sub-investment grade space. With a strong editorial emphasis on multiple-sourcing to ensure accuracy, we provide high quality, value-added content to fund managers, proprietary trading desks, leveraged finance bankers, corporate restructuring advisors and private equity sponsors. Leveraged loan and high yield bond calendars, new issue league tables, aggregated press content, plus people moves and job vacancies compliment our propriet ...
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Credit counseling,features of Debt Management Programs
A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan.
,he most common benefit of a DMP as advertised by most agencies is the consolidation of multiple monthly payments into one monthly payment, which is usually less than the sum of the individual payments previously paid by the customer. This is because credit cards banks will usually accept a lower monthly payment from a customer in a DMP than if the customer were paying the account on their own. ...
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