Which of the following can help consumers with excessive debt negotiate with lenders to reduce interest rates and fees?

a
Bankruptcy lawyer

b
Credit counseling service

c
Federal Trade Commission

d
Financial Protection Bureau

Answers

Answer 1

Answer:

Credit counseling service

Explanation:

Credit counseling services are offered by not-for-profit organizations to assist individuals and firms plan how to pay off outstanding debts. Credit counselors are specialists in debt management. They offer their clients debt management advice and help them make debt repayment plans.

Credit counseling services make debt repayment easy and manageable. Credit counselors sometimes negotiate for reduced monthly payments and lower interest rates.


Related Questions

If a business reports a net loss for the period, the journal entry to close the Income Summary account would be __________.

A. a debit to Capital and a credit to Income Summary
B. a debit to Revenue accounts and a credit to Income Summary
C. a debit to Income Summary and a credit to Capital

Answers

Answer:

My answer is C

Explanation:

Answer:

Explanation: do your best

hi ik someone is going to report but i just want to say hi

Answers

Hiiiiiiii how are you today? :)

Lol, mood. Hi! I am literally so bored to. Anyways hope you have a good day!

:) :) :)

Two unrelated American quarter horses are bred together. What is this an example of?

Answers

It’s an example of cross breed

Answer: Straightbreeding

Explanation: 100% on test

While it's not possible in every situation, what is the safest solution to protect yourself from chemical hazards in the work environment?
Select the best option.

Wear PPE


Use ventilation


Remove the chemical hazards


Only use the chemical hazard for limited amounts of time

Answers

Answer:

A. Wear PPE

Explanation:

The Occupational Safety and Health Administration (OSHA) is a federal agency saddled with the responsibility of assuring and ensuring safe and healthy working conditions for employees by setting and enforcing standards, providing education, trainings and assistance to various organizations.

According to the Occupational Safety and Health Administration (OSHA), safety precautions such as wearing a personal protective equipment e.g masks (respirators), ear plugs, safety boots, gloves, helmet, etc. are very important and essential to be used by workers while working in a hazard prone environment or industries.

Hence, while it's not possible in every situation, the safest solution to protect yourself from chemical hazards in the work environment is to wear personal protective equipment (PPE).

The best and safest way to keep away from chemical hazards in the work environment is to use PPE kits. So, the correct option is A.

PPE kits are the safest solution to stay away from chemical hazards as they are made from disposable materials. They are like single use products specially made for chemical environments.

PPE kits are definitely helpful in the safeguarding of the workers working in chemically exposed environment so as to save the workers from getting exposed to the chemicals.

PPE kits can also be helpful in treating patients during any virus outbreak or a pandemic which is fatal for the life of person in contact to such patient and can be worn by the doctors, nurses and hospital staff.

There are multiple uses of PPE kits and they are one of the most smartest way to continue working for long hours without any risks of getting exposed to hazardous substances.

Hence, the correct option is A that the safest way to protect self from chemical hazards in a work environment is by wearing PPE kits.

To know more about PPE kits, click on the link below.

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Note that common skills are listed toward the top, and less common skills are listed toward the bottom. According to O*NET, what are common skills needed by Librarians? Check all that apply.

speaking
equipment selection
reading comprehension
operation and control
active listening
writing

Answers

Answer:

1,3,5,6

Explanation:

Answer:

(1) A. speaking

(3) C. reading comprehension

(5) E. active listening

(6) F. writing

Explanation: I'm looking at my answers right now and it shows check marks so I'm 100% correct.

Using the chart below for reference, how would you describe the relationship between the amount of education you receive and the amount of money you make? will make brainliest

Answers

Answer:

Positive correlation

Explanation:

As the level of education increases, the higher the level of income. This is a perfect example of a positive correlation. An increase in one of the variables ( education) increases the other variable( income). A positive correlation is also a direct relationship.

A negative correlation or indirect relationship is when an increase in one variable leads to the other variable moving in the opposite direction.

Lee is preparing a presentation about the terrestrial planets. He creates the table below using the Drag option.

A 3 column table with 4 rows. Column 1 is labeled Planet with entries Mercury, Venus, Earth, Mars. Column 2 is labeled Mass (10 Superscript 24 Baseline kilograms) with 4 blank entries. Column 3 is labeled Diameter in kilometers with 4 blank entries.

Over how many squares did Lee drag his cursor horizontally to create the table?

Over how many squares did Lee drag his cursor vertically to create the table?

Answers

Gooday to you, the answer is 3 and 5. I could explain why, but if you really think about it its not that hard. Also, if it reassures you, I took the test for BOS in Edg 2020

Answer

The answer is 3 and 5.

Explanation:

A traditional, physical bank with online options is a type of online bank.
Please select the best answer from the choices provided
ОТ
OF

Answers

Answer:

True

Explanation:

Online banking is banking done via the internet. A customer does not need to be physically present at the bank's buildings. If their banks facilitate transactions through the internet, then it's an online bank.

Many traditional banks have incorporated online banking in their normal operations. However, online-only banks have emerged with no walk-in facilities as with traditional banks.

helloooooooooooooooooooooooooooooooooooo

Answers

Answer:

hi

Explanation:

Answer:

Heyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyy

Explanation:

13. What is the best way to use in separating iron parts from a mixture?
A. Filter paper​

Answers

Answer:

I think the bottom of test tube

Answer:

down below

Explanation:

For example, iron filings can be removed from a mixture using a magnet. Liquid blood can be separated from red blood cells using a centrifuge. A centrifuge spins the test tube very fast, forcing the heavier parts of the mixture to the bottom of the test tube! Separate a Mixture

Wrap a magnet in plastic lunch wrap and move it through the mixture of the three solids. The iron filings will stick to the magnet. The filings can be removed by unwrapping the plastic from the magnet carefully!

i need help somebody!!!!!!

Answers

Your grammar is incorrect. It is “somebody help me”

Answer:

oxygen

Explanation:

The pictogram for oxidizing products is an "o" with flames on top of it. The "o" is for oxygen and the flames show that oxidizers are significant fire hazard if they are not handled properly. There are three types of oxidizing product: oxidizing gases, oxidizing liquids and oxidizing solids.

Alicia has been working for JMM Corp. for 32 years. Alicia participates in JMM’s defined benefit plan. Under the plan, for every year of service for JMM she is to receive 2 percent of the average salary of her three highest years of compensation from JMM. She retired on January 1, 2019. Before retirement, her annual salary was $570,000, $600,000, and $630,000 for 2016, 2017, and 2018. What is the maximum benefit Alicia can receive in 2019?

Answers

Answer:

$225,000

Explanation:

Alicia's total benefits = (2% x 32 years) x [($570,000 + $600,000 + $630,000) / 3] = 64% x $600,000 = $384,000

but Alicia will not be able to receive the full amount in 2019 since the IRS limits the maximum annual compensation received from a defined benefit plan to $225,000 (for 2019, it increased to $230,000 for 2020 and 2021). So Alicia would only receive $225,000 during 2019.

im starting my own business so I need things that would look cool in tie-dye

Answers

phone cases or shirts

Compare and contrast the elements of centralization and formalization within the Arab Alliance and the IDF. Explain how those inherent differences may have affected the outcome of the war.

Answers

The correct answer to this open question is the following.

The elements of centralization and formalization within the Arab Alliance and the IDF were key to understand the Israeli victory over the Arab army. Without a doubt, those inherent differences affected the outcome of the war.

The Arab Alliance was formed by soldiers from different Arab states such as Jordan, Syria, Saudi Arabia, Tunisia, Algeria, Morocco, and Egypt. The alliance had strong numbers, good supplies and weapons, machines, tanks, and the support of the Soviet Union.

However, the Israeli al Defense Force (IDF) won the war by capturing the Gaza Strip, the West Bank, and the Sinai Peninsula. And the Israelis could do that because they had better training, a different mentality, and a modern strategic approach.

Israel not only recruited loyal soldiers, as was the main cause for the Arabs. Israel recruited the best talent for each military position and trained until they became the best. Lack of this kind of recruiting and training was notorious in the Arab alliance.

Another factor that favored Israel was the Structure of Command and Control, emphasizing combat aspects such as strategy, swiftness, agility, improvisation, flexibility, and decision making on the move. Totally different from the bureaucratic Arab approach in the line of command.

That is why Israel won the Six-Day War that was fought from June 5-10, 1967.

Select the statement below that BEST summarizes the text and supports your opinion. Are Pesticides to Blame for the Decreasing Population of Birds and Bees? Group of answer choices Using pesticides on farm crops may cause water pollution near the farms. Farmers need to use chemicals to produce greater amounts of food even if it means a decline in bird and bee populations. The use of pesticides to produce more crops may be causing the local birds and bees to decline in populations.

Answers

Answer: The use of pesticides to produce more crops may be causing the local birds and bees to decline in populations.

Explanation:

The statement below that best summarizes the text and supports the opinion is that the use of pesticides to produce more crops may be causing the local birds and bees to decline in populations.

Option A is not correct as the text isn't talking about water pollution which was being referred to in option A.

Option B didn't really specify the chemical that was being used. Therefore option B is incorrect.

Option C is the correct answer.

2. Which of the following holds large quantities of product that are later sent either to retail
locations or directly to customers?
A. Manufacturer
B. Wholesaler
C. Distribution center
D. Retailer

Answers

Answer:

A.

Explanation:

Manufacturer is a person or a registered company that produces finished goods from raw materials and sell to earn profit. The manufacturers sell it's finished products to retailers or wholesalers, who then sell it to customers. Manufacturers can also sell it's product directly to customers to earn profit.

Therefore, the correct answer of the question is option A. It is manufacturers who produces large quantities of finished goods and sell it to retailers and wholesalers and sell it directly to customers.

Thus option A is correct.

1st to answer gets Brainliest

Which federal legislation protects consumers from harassment by
debt collectors

A.The Credit Card Accountability Responsibility and Disclosure Act

B.The Fair Credit Reporting Act

C.The Fair Debt Collection Practices Act

D.The Truth in Lending Act

Answers

Answer:

The Fair Debt Collection Practices Act

Explanation:

The FDCPA prohibits debt collection companies to use abusive, unfair, or deceptive ways to collect debts.

The federal legislation protects consumers from harassment by

debt collectors is The fair debt collection practices act Option(c) is correct.

What is Fair debt collection practice act?

The Fair debt collection practice act means a state policy for eliminating the abusive debt for collection and to protest consumers against debt collection.

The Fair debt collection practice debt is known to be that federal legislation which basically protects the consumers from any type of the harassment.

Therefore Option(c) is correct.

Learn more about Fair Debt collection practice here:

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#SPJ5

For each of the following transactions, state the name of the account to be debited. a. Bought Equipment and paid by cheque b. Bought goods on credit from Rambo c. Paid salaries of employees in cash d. Returned goods to Rambo​

Answers

B. Bought goods on credit from Rambo

A currency fixture is

Answers

Answer:

The currency fixture is referring to the foreign exchange rates, that are set in London every day at 4 PM.

Explanation:

These are known as benchmark rates and are determined related to the real transactions, that traders were conducting on the market in 60 seconds.

The rates for 21 currencies are determined on the medium level of all the trades that go through in this one minute.

A general rule of thumb is to keep your credit utilization rate at 30% or lower. What is your approximate credit utilization rate for this current billing cycle?

Answers

Answer:

30%

Explanation:

Credit utilization can be regarded as the percentage of the total credit that individual is utilizing. It's financially advisable to keep the credit utilization ratio in order to have a good credit score.

To calculate credit utilization rate;

✓ one need to know the information about one credit account.

/✓Then divide the total balance by the total credit limit

✓then multiply by 100

For instance if the total balance is $5000 and total credit limit is $25000 then the credit utilization ratio is ($5000/$25000)×100%

= 20%

Whenever the credit utilization ratio is

higher than 30% it will bring about the decrease of credit score, as a result of this , the lender can be worried because he/she may think the ratio is overextended, and paying back new debt might not be easy.

Therefore, with general rule of thumb is to keep your credit utilization rate at 30% or lower. your approximate credit utilization rate for this current billing cycle is 30%

Answer- 30 percent

Explanation: In A general rule of thumb is to keep credit utilization below 30%, But when we study in FICO found that “high-achievers” consumers with credit scores 750 and above also use less than 10% of their total available credit limit. You can aim to keep your credit utilization rate as low as possible in order and avoid hurting your credit score, but not compulsory as low as 0%.

Let take the example and calculate the credit utilization rate 3 cards are card (A), card (B), and card (C)Your credit utilization is influenced by three main factors are:First, you have to the opening or closing of the account.Then second-factor balance and the credit limit on your accounts.Then the last factor multiplies by 100.

                           Card A :     $250 ,    $2,000

                           Card B :     $750 ,   $6,000  

                           Card C :     $3,000   , $12,000  

                           Total :       $4,000,   $20,000

If divide your total balance ($4,000) by your total credit limit ($20,000). Then, multiply by 100 to get the percentage. To get find your utilization rate,

answer will be : $4,000 / $20,000 = 0.2 x 100 = 20%

Therefore, the general rule of thumb is to keep your credit utilization rate at 30% or lower. your approximate credit utilization rate for this current billing cycle is 30%

Learn more about the general rule of thumb

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1. List some of the factors that complicated the efforts of emergency crews (primarily fire, police, and medical personnel) in responding to the Madrid attack.

2. What was the problem with the existing communication system?

3. Describe the new system that was put in place after the attacks.

4. Describe the business process of the new emergency response center.

5. What is the response time goal and what progress has been made?

Answers

Answer:

In the overview section below where the description according to the given case is mentioned.

Explanation:

(1)

The town seems to be very densely populated, contributing to so many deaths throughout the area.  In something like a center metropolitan center where even the bulk of the crowd lives, the assault happened.  It was held at 4 distinct destinations throughout the world at the same time. This would be known as being one of Madrid's big assaults.  

(2)

It is indeed a complete collapse in the response team concept. There have been 3 different interaction mechanisms that have historically been very difficult to access as well as connect with. The contact framework was not available in the past.  For certain particular representatives to respond, there seem to be different program. Government, firemen as well as emergency services have different contact networks.

(3)

The current technique that has been implemented has become a single contact system that offers a simple language to express with each representative as well as context to analyze each call in order to sort complaints and redirect complaints to the appropriate authorities to have been answered.  This same team involved would work mostly on actual problem by constantly tracking as well as resolving the condition including its concern on either the basis of the essence including its incident.

(4)

The existing approach consists by asking for help to answer the call from the personnel at either the service as well as codifying, locating as well as prioritizing this same call in some kind of a minute depending on the problem but instead disaster.  Eventually, everything will be referred to something like the affected authority to which the problem belongs, while the department will testing to address the priority-based conclusion.

(5)

The first and only purpose of the search and rescue team would be to contribute on response to specific problems in order to mitigate or monitor serious effects.  The knowledge gained the new technology on the basis of challenges to solve problems in less duration and also have better definition in something like a quicker way. In order to include a quicker approach to a query, the main major challenges faced are to respond faster.

1. List and explain the functions of money

Answers

Answer:

Money serves several functions: a medium of exchange, a unit of account, a store of value, and a standard of deferred payment.

If you are trying to establish a credit history, would you use credit to make a purchase even if you could pay cash? Why?

Answers

Answer:

By using credit, you're building up your overall score. Cash purchases go unnoticed by companies and your bank.

Explanation:

!!!!MAJOR GRADE PLEASE HELP DUE TODAY!!!!!
Which of the following is a line of credit issued to customers to cover checks or debits exceeding the amount in their account?
Debt restructuring
O Cash flow budgeting
Automated teller machine
O Overdraft protection

Answers

i’m pretty sure it’s debt restructuring

By establishing property rights, governments provide _______ for people to create new goods and services.

1.thefts
2.incentives
3.Intangible assets

Answers

Answer:

2.incentives

Explanation:

There are many local, state, and federal government incentives available at the moment which are directed towards the home buyer, especially first home buyers of new homes. 

hopefully, that helps!

Adidas America Inc. v. Payless Shoesource Inc.
Sneaker giant Adidas once went to war with discount shoe chain Payless, and the conflict was all due to stripes. Adidas has used three stripes on its shoes since 1952, and has registered the pattern as its trademark. But during the 1990s, Payless began selling athletic shoes with a similar look. Some of their sneakers had two parallel lines and others had four. The two companies met and reached an agreement. Payless would stop selling its shoes. However, Payless brought back its striped shoes in 2001, which went against the settlement. So Adidas America Inc. took them to court. The jury trial lasted seven years. During the course of it, 268 pairs of sneakers were examined. By the end, the jury determined that Payless owed Adidas $305 million. Wall Street Journal’s Law Blog declared that was $100 million for each stripe.

Why is this case an example of trademark violation?
A) Payless made sneakers with a pattern that is similar to the Adidas logo
B) Payless hired a designer from Adidas to create sneakers for them,
C) Payless used the Adidas logo in its TV commercials and print ads
D) Payless made running shoes based on the style and design of an adidas sneaker.

Answers

Answer:

A) Payless made sneakers with a pattern that is similar to the Adidas logo

Explanation:

Answer:A) Payless made sneakers with a pattern that is similar to the Adidas logo

Explanation:

George Kyparisis owns a company that manufactures sailboats. Actual demand for​ George's sailboats during each of the past four seasons was as​ follows: Year Season 1 2 3 4 Winter 1 comma 4401,440 1 comma 2001,200 1 comma 0001,000 920920 Spring 1 comma 5601,560 1 comma 4401,440 1 comma 6401,640 1 comma 5801,580 Summer 1 comma 0001,000 2 comma 1402,140 2 comma 0402,040 1 comma 9001,900 Fall 680680 810810 650650 500500 George has forecasted that annual demand for his sailboats in year 5 will equal 5 comma 6005,600 sailboats. Based on the given data and using the multiplicative seasonal​ model, the demand level for​ George's sailboats in the spring of year 5 will be nothing sailboats ​(enter a whole ​number). Enter your answer in the answer box and then click Check Answer.

Answers

Answer:

Forecast for Spring season demand year 5 = 1,680 sailboats

Explanation:

total demand:

year 1 = 4,560

year 2 = 5,590

year 3 = 5,410

year 4 = 5,040

average quarterly demand:

year 1 = 4,560 / 4 = 1,140

year 2 = 5,590 / 4 = 1,397.5

year 3 = 5,410 / 4 = 1,352.5

year 4 = 5,040 / 4 = 1,260

Spring season demand:

year 1 = 1,520

year 2 = 1,400

year 3 = 1,640

year 4 = 1,580

Seasonal factor for Spring season:

year 1 = 1,520 / 4,560 = 0.3333

year 2 = 1,400 / 5,590 = 0.2504

year 3 = 1,640 / 5,410 = 0.3031

year 4 = 1,580 / 5,040 = 0.3135

Average seasonal factors for Spring season = (0.3333 + 0.2504 + 0.3031 + 0.3135) / 4 = 0.3

Forecast for Spring season demand year 5 = 0.3 x 5,600 sailboats = 1,680 sailboats

competition is a competitive advantage based on factors other than price

Answers

Answer:

C-nonprice

The multiple-choice options for the questions are

A-price

B- perfect

C-nonprice

D-monopolistic

Explanation:

Business competition refers to the contest or rivalry among businesses selling similar products to the same customers. They compete for customers, to make more sales, or achieve a larger market share. Companies use several parameters such as price, quality, design, location to out-do each other.

When businesses compete based on price, it is known as price competition. Non- price competition is when the competition is based on all other parameters, including quality, location, packaging, advertisements, and design.

In what areas do federal agencies regulate to ensure safety and the general
wellness of US citizens?

a. Businesses
b. Environment
c. Products
d. All of the above

Answers

Answer:

d. All of the above

Explanation:

Government regulations are the rules that players in an industry must abide by. In a free-market economy like the US, the government's main role is to regulate economic activities. The government enforces regulation through its various agencies.

The areas of regulations include but are not limited to

Protecting consumers from undue exploitation by businesses, Encourage fair business competition Promote a healthy, safe work environment for employees Promote and sustain a clean environmentPrivate data protection and security

In theory, what conditions must exist to have pure competition among businesses in the same
industry? Select ALL that apply.
A. Businesses have the freedom to enter or leave the industry.
B. Businesses make and sell identical products that require no advertising.
C. Government intervention ensures that businesses in the industry stay competitive.
D. Large numbers of buyers and sellers ensure that no single group can affect product price.

Answers

Answer:

A. B. D.

Explanation:

the answer is the three letters above

Jdjdjdjdjdjfidnznsskdjfndnjzjdjdjdnsjdbe Jansen
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Why does Wiesel use quotation marks around the word normal on page 11? What impact does this punctuation have on the readers understanding of the passage? This isn't about anything academic I just have no one to go to:My close friend and teammate told me earlier tonight that she liked me and I told her that I don't know how I feel. Once I left, I debated it and I can't imagine us being anything other than friends. She has Borderline Personality Disorder and she is very sensitive. Rejection is hard for anyone but I can't imagine how it would be for her. I care about her a lot and it hurts me that I am the one causing her pain. She is very sweet and mature as well as formal. How do I reject her without making her too upset and awkward? Which type of money does the diagram best describe?? MoneyHas value because of its materialsHas been common throughout historyIncludes gold and silver coinsA. M1B. FiatC. RepresentativeD. Commodity A recipe calls for 1 1/2 quarts of sparkling water and 3/4 quart of grape juice. How much grape juice would you need to mix with 15/4 of sparkling water? Need help! 40 points! A cheesecake recipe says to mix 12 oz of cream cheese with 15 oz of sugar. How many ounces of cream cheese will be needed for 45 oz of sugar? Year Cash Flow 0 $5,500 1 1,300 2 1,500 3 1,900 4 1,400 What is the payback period for the set of cash flows given above? A rectangle is 3 times as long as it is wide. The perimeter is 120 cm. Find the dimensions of the rectangle. Round to the nearest tenth if necessary. Total revenue (TR) is: A) The value of the firm's investment for the business to function B) the value of a firm's profit per time period C) a firm's sales revenue as a percentage of the industry's total revenue D) the value of a firm's annual sales turnover over a specific period of time 3) What classification of unconformity occurs when sedimentary rock overlies igneous rock?A) disconformityB) nonconformityC) angular unconformityD) conformity Please help a kiddoe out I will mark brainliestDo you think the genetic disorders you identified in part A or B would appear in a persons DNA fingerprinting profile? Explain your reasoning. X+1=4x-2How do u break this down?? FIANCE 50 HELP ASAPCalculate the required return for a Company Z that has a beta of 1.4 if the market risk premium is 9% and the risk-free rate is 4%. How do you solve this? Please help! Which region has an economy that is most dependent on the export of oil?A. The southern Mediterranean B. The northern Mediterranean C. The western Mediterranean D. The eastern Mediterranean Write and solve an equation for this problem. Wakaba buys some granola bars at $0.50 each and energy drinks at $2 each for a group hike. She buys twice as many granola bars as energy drinks. If she spends $27 in total, how many granola bars and energy drinks does she buy? Let x= the number of energy drinks hurry plz help for test due in 5 min -2.5x - 10 = 40 what is the missing variable PLEASE HURRY?? After participating in the group discussion, think about what you learned with the help from your peers. Write a shortparagraph addressing the following questions:a. Did you receive any feedback about your main research question? What was the feedback?b. Did the discussion process help you generate new sub questions? What are those?c. How did the discussion process help you improve your research questions?my A quadratic function has an axis of symmetry at x=4 and contains the points (2, -6) and (7, -11). Find the equation in standard form (y=ax2+bx+c). Then state the "a" value in the equation.