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Corporate Knights, a Canada-based sustainability-focused media firm, publishes a unique list every year that predicts the world’s most sustainable large corporations. Started in 2005, the Global 100 Most Sustainable Corporations in the World is a list of publicly traded companies that, based on research and analysis, are best equipped to manage the environmental, social and governance (ESG) risks and opportunities they face. The idea is to look at the company today and predict the company’s future ability to thrive.

Predicting the financial future of a company is tricky business. Of the original 100 announced in 2005, ten companies on that list are now inactive. Another good example is Eastman Kodak, which appeared on the Global 100 list in 2005, 2006, 2007, 2008, and 2009. Kod

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Bankruptcy Lawyer in Sacramento serving Roseville discusses a report which has determined why some debtors may delay a Chapter 7 or Chapter 13 bankruptcy process

• Using aggressive collection techniques plays a major role in motivating people to file for bankruptcy.  The picture of an “emergency bankruptcy filing” is generally a myth, apart foreclosure-related filings which do have strict time deadlines.
• People are willing to suffer a great amount of creditor collection activity before they even come to the thought of bankruptcy.
• But collectors beware – even though consumers are not hovering on the verge of bankruptcy because of a few nasty phone calls, the slow, steady, drip of painful encounters with ridiculous threats will certainly lead to debtor resorting to the structure of bankruptcy.
• Unfortunately, by that time, many assets and opportunities have been lost in an attempt to pay overwhelming debt.

• Creditors as a group create excessive “dunning” of debtor which eventually become a bankruptcy filing due to intolerable behavior of creditors.
• The existing collection process is flawed by excesses.  Remove the incentive for creditors to be “first in line to collect” the assets of debtor before debtor essentially becomes judgment proof.
• Limit creditor collection calls via a “do-not-call” rule modeled on the do-not-call list for telemarketers. The report recommen

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Tags: 13 Bankruptcy, 13 Bankruptcy Process, Bankruptcy Process, Process

One of the best ways to improve your credit score is to increase your total amount of available credit. Although one way to increase your available credit would be to sign up for another credit card, such an action would require a hard pull on your credit report, and as such, it is not an ideal option. An easier, and often forgotten way to gain an increase is to increase the credit line on the cards that you currently have. With the right actions taken, you’ll be able to receive an increased credit line without the adverse effects of a hard pull on your credit report.

There are a number of different ways to go about increasing your credit line, and in some cases, the credit card issuer may do it for you without any kind of request. T

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Tags: Credit, Credit Line