Podcasts about creditors

Person or organization that has a claim on the services of another party

  • 415PODCASTS
  • 637EPISODES
  • 27mAVG DURATION
  • 1WEEKLY EPISODE
  • May 28, 2025LATEST

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Best podcasts about creditors

Latest podcast episodes about creditors

Dropping Bombs
How to Hide Assets from Creditors, Divorce, and Lawsuits | Attorney Explains

Dropping Bombs

Play Episode Listen Later May 28, 2025 60:35


What you don't know about your estate could cost your family everything. In this powerful episode of Dropping Bombs, Brad Lea sits down with asset protection attorney Blake Harris, who breaks down exactly how the wealthy keep their money—and why most people are one mistake away from losing it all.   Blake shares real stories of families devastated by probate court, the dangers of DIY wills, and how one smart trust can protect everything you've worked for. Whether you're just starting to build wealth or already have millions, this episode will change how you think about death, taxes, and protecting your legacy.    Connect with Blake Website: https://blakeharrislaw.com Instagram: https://www.instagram.com/blakeharrislaw Book: https://a.co/d/94AaNCg

Price of Avocado Toast
Episode 226: The Dangers of Debt Settlement

Price of Avocado Toast

Play Episode Listen Later May 28, 2025 30:42


Today's episode debunks the polarizing personal finance tool of a debt settlement. We share why we think these companies can be dangerous and give you anecdotal evidence to share our reasoning. You'll hear how these companies might be harmful and ways to combat it on your own instead. In this episode, we chat about: Debt settlement flaws Creditors and collectors Strategies for debt reduction   MENTIONED IN THIS EPISODE: Empowered Money Academy Adrienne's Bankruptcy episode   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Join Empowered Money Academy priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis  

Debt Free in 30
560 – Legal Actions Creditors Can Take in Canada (And How to Protect Yourself)

Debt Free in 30

Play Episode Listen Later May 24, 2025 30:37


What legal actions can creditors take if you stop paying your debts? From collection calls to lawsuits and wage garnishments, Licensed Insolvency Trustees explain the real timeline of creditor actions—including how the CRA (Canada Revenue Agency) collects without going to court, and how to avoid scams when seeking help. ✅ Know your rights✅ Understand the legal process✅ Learn when (and how) to take action with confidence 00:00 – Can You Go to Jail for Not Paying Debt in Canada? 03:00 – When Do Creditors Start Calling After Missed Payments? 06:45 – When Can Creditors Start Legal Action Against You? 09:40 – Understanding the Statute of Limitations on Debt in Canada 12:20 – Debt Collections vs. Debt Buyers: Why Debts Are Sold 16:00 – How to Know If You're Actually Being Sued 17:00 – Superior Court vs. Small Claims Court: What If You Ignore It? 20:00 – CRA Collection Powers: Wage Garnishment Without Court 24:00 – Court-Ordered Support Payments (e.g., Child or Spousal Support) 26:00 – Practical Tips for Dealing with Debt Collectors 27:30 – What to Do If You're Facing a Wage Garnishment 29:00 – Avoiding Debt Relief Scams: Why You Need a Licensed Insolvency Trustee How To Find Legitimate Debt Help in Canada Legal Actions Creditors Can Take When You Don't Pay Hoyes Michalos YouTube: Will a Debt Collector Sue Me? Sign Up For The Debt Free Digest (A monthly financial-motivation newsletter to your inbox!) Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Wealth Formula by Buck Joffrey
506: Mortgages and Reverse Mortgages with Wade Pfau

Wealth Formula by Buck Joffrey

Play Episode Listen Later May 11, 2025 31:45


Wealth Formula Network, our online mastermind group, is where we dive into the financial questions that keep us up at night, and one debate that keeps coming up is whether to pay off your mortgage. It's a complex question, but let's unpack the math and the emotion so you can decide for yourself. First, think of your mortgage as a lever: with just 20% down, you control 100% of your home's value. On a $500,000 property, that means your $100,000 down payment magnifies the impact of appreciation. If home values rise 4% in a year, your equity grows by $20,000—an effective 20% return on your original $100K. Had you paid the full $500,000 up front, you'd still make the same $20,000—but that's only a 4% return on investment. Next, consider opportunity cost. Every extra dollar you funnel into your mortgage is a dollar you can't deploy elsewhere—whether it's a diversified stock portfolio, a private deal, or even another rental property. Historically, a balanced investment mix has returned 10% annually, comfortably outpacing most mortgage rates and turning “trapped” home equity into “working” capital. Here's something else you might not have considered: your mortgage can actually serve as asset protection. Creditors (or an overzealous bank) are far less likely to tap a property that still carries a lien. By keeping a mortgage in place, you make your home less attractive as collateral and shield your equity in other holdings. So, when you run the numbers, the case for holding onto lower cost debt and investing the difference is compelling. But, math isn't everything. There's intangible value in the day you write “0.00” next to your mortgage balance: no monthly housing payment, no looming due dates, and a deep sense of security—especially as you head toward retirement. Bottom line—there is no single correct answer. Know the pros and cons, weigh your financial goals against your emotional needs, and choose the path that aligns with both your head and your heart. Make that decision thoughtfully, and you'll sleep better either way. Speaking of mortgages, have you ever wondered what reverse mortgages are all about? Those late-night commercials often make them seem like a ways to rip-off seniors. Is there something really useful there? Well, I invited an expert onto the show to teach us all about them and was pleasantly surprised. Reverse mortgages can be a smart tool for homeowners nearing retirement and something you might consider for yourself someday even if you've got other money. Curious to learn more? Tune in to this week's episode of Wealth Formula and get the full story.

Optimal Finance Daily
3113: 6 Ways to Knock Out Creditors by Red with Budgets Are Sexy on Credit Card Debt and Financial Freedom

Optimal Finance Daily

Play Episode Listen Later Apr 19, 2025 11:40


Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3113: Red shares her raw, firsthand experience of battling credit card debt, offering six empowering strategies to regain control and silence relentless creditors. From knowing your legal rights to negotiating smarter repayment plans, her advice helps turn fear into action and financial freedom. Read along with the original article(s) here: https://www.budgetsaresexy.com/6-ways-to-knock-out-creditors/ Quotes to ponder: "I easily received 15 phone calls a day. Sometimes they would leave a voicemail, but I deleted it without listening." "You'll need a realistic budget to get out of this debt, and seeing the light at the end of the tunnel is better than blindly making minimum payments." "Most companies will reduce your interest rate if they know it increases the odds of getting some of their money back." Episode references: The Pew Charitable Trust report on debt collection lawsuits: https://www.pewtrusts.org/en/research-and-analysis/reports/2020/05/how-debt-collectors-are-transforming-the-business-of-state-courts The Fair Debt Collection Practices Act: https://www.consumerfinance.gov/rules-policy/regulations/1006/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY
3113: 6 Ways to Knock Out Creditors by Red with Budgets Are Sexy on Credit Card Debt and Financial Freedom

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY

Play Episode Listen Later Apr 19, 2025 11:40


Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3113: Red shares her raw, firsthand experience of battling credit card debt, offering six empowering strategies to regain control and silence relentless creditors. From knowing your legal rights to negotiating smarter repayment plans, her advice helps turn fear into action and financial freedom. Read along with the original article(s) here: https://www.budgetsaresexy.com/6-ways-to-knock-out-creditors/ Quotes to ponder: "I easily received 15 phone calls a day. Sometimes they would leave a voicemail, but I deleted it without listening." "You'll need a realistic budget to get out of this debt, and seeing the light at the end of the tunnel is better than blindly making minimum payments." "Most companies will reduce your interest rate if they know it increases the odds of getting some of their money back." Episode references: The Pew Charitable Trust report on debt collection lawsuits: https://www.pewtrusts.org/en/research-and-analysis/reports/2020/05/how-debt-collectors-are-transforming-the-business-of-state-courts The Fair Debt Collection Practices Act: https://www.consumerfinance.gov/rules-policy/regulations/1006/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY
3113: 6 Ways to Knock Out Creditors by Red with Budgets Are Sexy on Credit Card Debt and Financial Freedom

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY

Play Episode Listen Later Apr 19, 2025 11:40


Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3113: Red shares her raw, firsthand experience of battling credit card debt, offering six empowering strategies to regain control and silence relentless creditors. From knowing your legal rights to negotiating smarter repayment plans, her advice helps turn fear into action and financial freedom. Read along with the original article(s) here: https://www.budgetsaresexy.com/6-ways-to-knock-out-creditors/ Quotes to ponder: "I easily received 15 phone calls a day. Sometimes they would leave a voicemail, but I deleted it without listening." "You'll need a realistic budget to get out of this debt, and seeing the light at the end of the tunnel is better than blindly making minimum payments." "Most companies will reduce your interest rate if they know it increases the odds of getting some of their money back." Episode references: The Pew Charitable Trust report on debt collection lawsuits: https://www.pewtrusts.org/en/research-and-analysis/reports/2020/05/how-debt-collectors-are-transforming-the-business-of-state-courts The Fair Debt Collection Practices Act: https://www.consumerfinance.gov/rules-policy/regulations/1006/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Elder Law Report
Protecting Your Legacy from Creditors and Lawsuits: Strategies for Securing Your Financial Legacy

Elder Law Report

Play Episode Listen Later Apr 9, 2025 14:57 Transcription Available


Have you ever worried about what would happen to your hard-earned assets if you faced a lawsuit or creditor claims? The truth might surprise you.Attorney Jordan McIntyre begins with a reality check that makes many clients uncomfortable: there's no such thing as a litigation-proof life or estate plan. However, that doesn't mean you're powerless. Through strategic planning, you can create multiple layers of protection that significantly reduce your risk exposure while ensuring your wealth passes according to your wishes.Jane Deere-Wester and Jordan explore four powerful protection strategies that work together like Russian nesting dolls to shield your assets. They discuss how properly structured trusts can discourage contests through specific provisions, while beneficiary designations offer a simple yet effective tool anyone can implement today without legal assistance. Jane shares a personal cautionary tale of discovering her ex-husband remained as a beneficiary on an account years after their divorce—a common oversight with potentially serious consequences.For business owners and real estate investors, placing assets within properly structured LLCs provides crucial separation between personal and business liabilities. Taking this protection further by incorporating these entities into your estate plan creates multiple barriers against potential claims. We also tackle the often-uncomfortable subject of prenuptial agreements, which have become increasingly important in today's world of blended families and multiple marriages.The podcast wraps up with practical advice on implementing these strategies and emphasizes that protecting your legacy isn't about overnight solutions but rather thoughtful planning that honors the lifetime of work you've invested in building your wealth.Ready to create your own comprehensive asset protection plan? Reach out to our offices in Hendersonville, Shelby, or Charlotte, and let us help you secure your legacy for generations to come.

David and Will
Whyalla Steelworks creditors meet for the first time – Breaking @ 8

David and Will

Play Episode Listen Later Mar 2, 2025 6:13 Transcription Available


David & Will get the latest from Whyalla Coordinator John Chapman. Listen live on the FIVEAA Player. Follow us on Facebook, X and Instagram. Subscribe on YouTubeSee omnystudio.com/listener for privacy information.

レアジョブ英会話 Daily News Article Podcast
UK’s biggest water company seeks court approval for emergency funding to prevent nationalization

レアジョブ英会話 Daily News Article Podcast

Play Episode Listen Later Feb 26, 2025 2:09


Thames Water, which serves 16 million customers in and around London, is seeking court approval for up to 3 billion pounds ($3.7 billion) of emergency funding to prevent the cash-strapped company from falling into government administration. The High Court in London began a four-day hearing on the financing package, with Thames Water facing off against smaller creditors who complain that the deal is too expensive and favors bigger investors. Creditors holding about 90% of the company's debt have already backed the deal. Without the funding, Thames Water will run out of money in March, which could force the government to temporarily nationalize the company. Both the government and Thames Water say water will continue flowing to customers regardless of what happens. Thames Water, which has about 17 billion pounds ($20.9 billion) of debt and has been repeatedly cited for illegal sewage spills, is at the center of a nationwide backlash over rising water bills as Britain seeks to modernize its water and sewage systems to cope with climate change and a growing population. The company has been the focus of criticism from consumers and politicians who say Thames Water created its own problems by paying overly generous dividends to investors and high salaries to executives while failing to invest in pipelines, pumps and reservoirs. Company executives say the fault lies with regulators, who kept bills too low for too long, starving the company of the cash it needed to fund improvements. Ofwat, which regulates water companies in England and Wales, in December approved a 35% increase in Thames Water's consumer charges over the next five years. The company argued that bills needed to rise by 53% in order to finance needed projects and provide the financial returns necessary to attract investors. The company had until Feb. 18 to appeal the decision. This article was provided by The Associated Press.

Late Confirmation by CoinDesk
COINDESK DAILY: Libra Rugpull Scandal Continues; FTX Creditors Start Receiving Payouts

Late Confirmation by CoinDesk

Play Episode Listen Later Feb 19, 2025 1:46


Host Christine Lee breaks down the latest news in the crypto industry as the LIBRA token scandal continues.CoinDesk's Christine Lee breaks down the latest news in the crypto industry on “CoinDesk Daily" as the Libra scandal continues. Libra co-creator Hayden Davis bragged in text messages that he bought influence over Argentine president Javier Milei. Plus, creditors of the collapsed cryptocurrency exchange FTX with claims below $50,000 have started receiving their payouts.-This episode was hosted by Christine Lee. “CoinDesk Daily” is produced by Christine Lee and edited by Victor Chen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

New Work Fellowship Podcast
THE OUTPOURING - Limited Vision Limits Provision (2/16/25)

New Work Fellowship Podcast

Play Episode Listen Later Feb 17, 2025 33:32


The Outpouring - "Limited Vision Limits Provision" - 2 Kings 4:1-7 Just like Elijah has his widow to help him, so too for Elisha. This poor woman was overwhelmed. She was destitute, and her husband has recently died. Creditors came knocking to collect. When asked what she still had, she responds boldly: NOTHING! She even overlooked the little she did have. Regardless of her limited vision, God's prophet sets about to invite her into the process of divine provision. Notice when the oil stopped flowing - when she got to the end of her vision of what was needed. We can do the same. When we do not "see it," we will NOT see it.

The Firm Analyst
S12EP3: Activist Investor Builds £3.8bn Stake in BP; Competitive Leisure Market Faces Oversupply; and Creditors Face Off in Thames Water Restructuring

The Firm Analyst

Play Episode Listen Later Feb 17, 2025 38:36


Thanks for tuning into this episode of The Firm Analyst. Today we'll be discussing a range of stories affecting the market and how they impact the wider practice of commercial law. I hope you find benefit in the stories discussed and feel free to reach out for more information or a general discussion!

Bankruptcy Attorney Talks
They're STILL Calling?! Bankruptcy & Creditors 888-9-ENOUGH; 888-936-6844 Michigan, Tennessee, DFW .

Bankruptcy Attorney Talks

Play Episode Listen Later Feb 5, 2025 1:36


They're STILL Calling?! Bankruptcy & Creditors 888-9-ENOUGH; 888-936-6844 https://linktr.ee/hollinsbankruptcy Michigan, Tennessee, DFW . . . , , , , , , , , , , , , , , www.hollinsbankruptcy.com FREE CONSULTATION: www.8889enough.com Call: 888-9-ENOUGH; 888-936-6844 Michigan, Tennessee, Dallas Fort-Worth . #8889enough.com, #michaelhollins, #michigan, #tennessee, #DFW, #Texas, #HollinsBankruptcyLaw, #DallasBankruptcy, #DFWBankruptcy, #Chapter7Bankruptcy, #Chapter13Bankruptcy, #michiganbankruptcy, #detroitbankruptcy, #flintbankruptcy #tennesseebankruptcy #nashvillebankruptcy #murfreesborobankruptcy #memphisbankruptcy #wagegarnishment, #foreclosure #clarksvillebankruptcy

International Bankruptcy, Restructuring, True Crime and Appeals - Court Audio Recording Podcast
Intrum chapter 11 bankruptcy ruling, read by the bankruptcy judge on the record 12-31-2024, appealed by creditors via notice of appeal filed 1-13-2025

International Bankruptcy, Restructuring, True Crime and Appeals - Court Audio Recording Podcast

Play Episode Listen Later Jan 14, 2025 55:40


1UNITED STATES BANKRUPTCY COURTSOUTHERN DISTRICT OF TEXASHOUSTON DIVISIONIn re:INTRUM AB, et al.,1Debtors.Chapter 11Case No. 24-90575 (CML)(Jointly Administered)NOTICE OF APPEALPursuant to 28 U.S.C. § 158(a) and Federal Rules of Bankruptcy Procedure 8002 and 8003,notice is hereby given that the Ad Hoc Committee of holders of 2025 notes issued by Intrum AB(the “AHC”) hereby appeals to the United States District Court for the Southern District of Texasfrom (i) the Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262) (the “Motion to Dismiss Order”) and (ii) theOrder (I) Approving Disclosure Statement and (II) Confirming Joint Prepackaged Chapter 11Plan of Intrum AB and Its Affiliated Debtor (Further Technical Modifications) (ECF No. 263) (the“Confirmation Order”). A copy of the Motion to Dismiss Order is attached as Exhibit A and acopy of the Confirmation Order is attached as Exhibit B. Additionally, the transcript of theBankruptcy Court's oral ruling accompanying the Motion to Dismiss Order and ConfirmationOrder (ECF No. 275) is attached as Exhibit C.Below are the names of all parties to this appeal and their respective counsel:1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors'service address in these Chapter 11 Cases is 801 Travis Street, Ste 2101, #1312, Houston, TX 77002.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 1 of 62I. APPELLANTA. Name of Appellant:The members of the AHC include:Boundary Creek Master Fund LP; CF INT Holdings Designated Activity Company; CaiusCapital Master Fund; Diameter Master Fund LP; Diameter Dislocation Master Fund II LP; FirTree Credit Opportunity Master Fund, LP; MAP 204 Segregated Portfolio, a segregated portfolioof LMA SPC; Star V Partners LLC; and TQ Master Fund LP.Attorneys for the AHC:QUINN EMANUEL URQUHART & SULLIVAN, LLPChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comB. Positions of appellant in the adversary proceeding or bankruptcy case that isthe subject of this appeal:CreditorsCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 2 of 63II. THE SUBJECT OF THIS APPEALA. Judgment, order, or decree appealed from:The Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262); the Order (I) Approving Disclosure Statementand (II) Confirming Joint Prepackaged Chapter 11 Plan of Intrum AB and Its Affiliated Debtor(Further Technical Modifications) (ECF No. 263); and the December 31, 2024 Transcript of OralRuling Before the Honorable Christopher M. Lopez United States Bankruptcy Court Judge (ECFNo. 275).B. The date on which the judgment, order, or decree was entered:The Motion to Dismiss Order and the Confirmation Order were entered on December 31,2024. The Court issued its oral ruling accompanying the Motion to Dismiss Order and theConfirmation Order on December 31, 2024.III. OTHER PARTIES TO THIS APPEALIntrum AB and Intrum AB of Texas LLCMILBANK LLPDennis F. Dunne (admitted pro hac vice)Jaimie Fedell (admitted pro hac vice)55 Hudson YardsNew York, NY 10001Telephone: (212) 530-5000Facsimile: (212) 530-5219Email: ddunne@milbank.comjfedell@milbank.com–and–Andrew M. Leblanc (admitted pro hac vice)Melanie Westover Yanez (admitted pro hac vice)1850 K Street, NW, Suite 1100Washington, DC 20006Telephone: (202) 835-7500Facsimile: (202) 263-7586Email: aleblanc@milbank.commwyanez@milbank.com–and–PORTER HEDGES LLPJohn F. Higgins (SBN 09597500)Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 3 of 64Eric D. Wade (SBN 00794802)M. Shane Johnson (SBN 24083263)1000 Main Street, 36th FloorHouston TX 77002Telephone: (713) 226-6000Facsimile: (713) 226-6248Email: jhiggins@porterhedges.comewade@porterhedges.comsjohnson@porterhedges.comIV. OTHER PARTIES THAT MAY HAVE AN INTEREST IN THIS APPEALThe following chart lists certain parties that are not parties to this appeal, but that may havean interest in the outcome of the case. These parties should be served with notice of this appealby the Debtors who are aware of their identities and best positioned to provide notice.All Other Creditors of the Debtors, Including, But Not Limited To:• Certain funds and accounts managed by BlackRock Investment Management (UK)Limited or its affiliates;• Capital Four;• Davidson Kempner European Partners, LLP;• Intermediate Capital Managers Limited;• Mandatum Asset Management Ltd;• H.I.G. Capital, LLC;• Spiltan Hograntefond; Spiltan Rantefond Sverige; and Spiltan Aktiefond Stabil;• The RCF SteerCo Group;• Swedbank AB (publ).Any Holder of Stock of the Debtors• Any holder of stock of the Debtors, including their successors and assigns.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 4 of 65Respectfully submitted this 13th day of January, 2025.QUINN EMANUEL URQUHART &SULLIVAN, LLP/s/ Christopher D. PorterChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comCOUNSEL FOR THE AD HOC COMMITTEE OFINTRUM AB 2025 NOTEHOLDERSCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 5 of 6CERTIFICATE OF SERVICEI, Christopher D. Porter, hereby certify that on the 13th day of January, 2025, a copy ofthe foregoing document has been served via the Electronic Case Filing System for the UnitedStates Bankruptcy Court for the Southern District of Texas./s/ Christopher D. PorterBy: Christopher D. PorterCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 6 of 6EXHIBIT ACase 24-90575 Document 296-1 Filed in TXSB on 01/13/25 Page 1 of 31IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB, et al.,1 ) Case No. 24-90575 (CML)))Jointly AdministeredDebtors. ))ORDER DENYING MOTION OF THE AD HOCCOMMITTEE OF HOLDERS OF INTRUM AB NOTES DUE 2025TO DISMISS CHAPTER 11 CASES PURSUANT TO 11 U.S.C. § 1112(B) ANDFEDERAL RULE OF BANKRUPTCY PROCEDURE 1017(F)(1)(Related to Docket No. 27)This matter, having come before the Court upon the Motion of the Ad Hoc Committee ofHolders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. §1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) [Docket No. 27] (the “Motion toDismiss”); and this Court having considered the Debtors' Objection to the Motion of the Ad HocCommittee of Holders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11U.S.C. § 1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) (the “Objection”) andany other responses or objections to the Motion to Dismiss; and this Court having jurisdiction overthis matter pursuant to 28 U.S.C. § 1334 and the Amended Standing Order; and this Court havingfound that this is a core proceeding pursuant to 28 U.S.C. § 157(b)(2); and this Court having foundthat it may enter a final order consistent with Article III of the United States Constitution; and thisCourt having found that the relief requested in the Objection is in the best interests of the Debtors'1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these Chapter 11 Cases is 801 Travis Street, STE 2101, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f2 32estates; and this Court having found that the Debtors' notice of the Objection and opportunity fora hearing on the Motion to Dismiss and Objection were appropriate and no other notice need beprovided; and this Court having reviewed the Motion to Dismiss and Objection and havingheard the statements in support of the relief requested therein at a hearing before this Court; andthis Court having determined that the legal and factual bases set forth in the Objectionestablish just cause for the relief granted herein; and upon all of the proceedings had beforethis Court; and after due deliberation and sufficient cause appearing therefor, it is HEREBYORDERED THAT:1. The Motion to Dismiss is Denied for the reasons stated at the December 31, 2024 hearing.2. This Court retains exclusive jurisdiction and exclusive venue with respect to allmatters arising from or related to the implementation, interpretation, and enforcement of this Order.DAeucegmubste 0r 23,1 2, 0210294CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f2 3EXHIBIT BCase 24-90575 Document 296-2 Filed in TXSB on 01/13/25 Page 1 of 135IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB et al.,1 ) Case No. 24-90575 (CML)))(Jointly Administered)Debtors. ))ORDER (I) APPROVINGDISCLOSURE STATEMENT AND(II) CONFIRMING JOINT PREPACKAGED CHAPTER 11PLAN OF INTRUM AB AND ITS AFFILIATEDDEBTOR (FURTHER TECHNICAL MODIFICATIONS)The above-captioned debtors and debtors in possession (collectively, the“Debtors”), having:a. entered into that certain Lock-Up Agreement, dated as of July 10, 2024 (asamended and restated on August 15, 2024, and as further modified,supplemented, or otherwise amended from time to time in accordance with itsterms, the “the Lock-Up Agreement”) and that certain Backstop Agreement,dated as of July 10, 2024, (as amended and restated on November 15, 2024 andas further modified, supplemented, or otherwise amended from time to time inaccordance with its terms), setting out the terms of the backstop commitmentsprovided by the Backstop Providers to backstop the entirety of the issuance ofNew Money Notes (as may be further amended, restated, amended and restated,modified or supplemented from time to time in accordance with the termsthereof, the “Backstop Agreement”) which set forth the terms of a consensualfinancial restructuring of the Debtors;b. commenced, on October 17, 2024, a prepetition solicitation (the “Solicitation”)of votes on the Joint Prepackaged Chapter 11 Plan of Reorganization of IntrumAB and its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (asthe same may be further amended, modified and supplemented from time totime, the “Plan”), by causing the transmittal, through their solicitation andballoting agent, Kroll Restructuring Administration LLC (“Kroll”), to theholders of Claims entitled to vote on the Plan of, among other things: (i) the1 The Debtors in these chapter 11 cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these chapter 11 cases is 801 Travis Street, STE 2102, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f1 133452Plan, (ii) the Disclosure Statement for Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate (as the same may befurther amended, modified and supplemented from time to time, the“Disclosure Statement”), and (iii) the Ballots and Master Ballot to vote on thePlan (the “Ballots”), (iv) the Affidavit of Service of Solicitation Materials[Docket No. 7];c. commenced on November 15, 2024 (the “Petition Date”), these chapter 11 cases(these “Chapter 11 Cases”) by filing voluntary petitions in the United StatesBankruptcy Court for the Southern District of Texas (the “Bankruptcy Court”or the “Court”) for relief under chapter 11 of title 11 of the United States Code(the “Bankruptcy Code”);d. Filed on November 15, 2024, the Affidavit of Service of Solicitation Materials[Docket No. 7] (the “Solicitation Affidavit”);e. Filed, on November 16, 2024 the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Technical Modifications) [Docket No. 16] and theDisclosure Statement for Joint Prepackaged Chapter 11 Plan of Intrum AB andits Debtor Affiliate [Docket No. 17];f. Filed on November 16, 2024, the Declaration of Andrés Rubio in Support of ofthe Debtors' Chapter 11 Petitions and First Day Motions [Docket No. 14] (the“First Day Declaration”);g. Filed on November 17, 2024, the Declaration of Alex Orchowski of KrollRestructuring Administration LLC Regarding the Solicitation of Votes andTabulation of Ballots Case on the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code [Docket No. 18] (the “Voting Declaration,” andtogether with the Plan, the Disclosure Statement, the Ballots, and theSolicitation Affidavit, the “Solicitation Materials”);h. obtained, on November 19, 2024, the Order(I) Scheduling a Combined Hearingon (A) Adequacy of the Disclosure Statement and (B) Confirmation of the Plan,(II) Approving Solicitation Procedures and Form and Manner of Notice ofCommencement, Combined Hearing, and Objection Deadline, (III) FixingDeadline to Object to Disclosure Statement and Plan, (IV) Conditionally (A)Directing the United States Trustee Not to Convene Section 341 Meeting ofCreditors and (B) Waiving Requirement to File Statements of Financial Affairsand Schedules of Assets and Liabilities, and (V) Granting Related Relief[Docket No. 71] (the “Scheduling Order”), which, among other things: (i)approved the prepetition solicitation and voting procedures, including theConfirmation Schedule (as defined therein); (ii) conditionally approved theDisclosure Statement and its use in the Solicitation; and (iii) scheduled theCombined Hearing on December 16, 2024, at 1:00 p.m. (prevailing CentralCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f1 133453Time) to consider the final approval of the Disclosure Statement and theconfirmation of the Plan (the “Combined Hearing”);i. served, through Kroll, on November 20, 2025, on all known holders of Claimsand Interests, the U.S. Trustee and certain other parties in interest, the Noticeof: (I) Commencement of Chapter 11 Bankruptcy Cases; (II) Hearing on theDisclosure Statement and Confirmation of the Plan, and (III) Certain ObjectionDeadlines (the “Combined Hearing Notice”) as evidence by the Affidavit ofService [Docket No. 160];j. caused, on November 25 and 27, 2024, the Combined Hearing Notice to bepublished in the New York Times (national and international editions) and theFinancial Times (international edition), as evidenced by the Certificate ofPublication [Docket No. 148];k. Filed and served, on December 10, 2024, the Plan Supplement for the Debtors'Joint Prepackaged Chapter 11 Plan of Reorganization [Docket 165];l. Filed on December 10, 2024, the Declaration of Jeffrey Kopa in Support ofConfirmation of the Joint Prepackaged Plan of Reorganization of Intrum ABand its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code [DocketNo. 155];m. Filed on December 14, 2024, the:i. Debtors' Memorandum of Law in Support of an Order: (I) Approving, on aFinal Basis, Adequacy of the Disclosure Statement; (II) Confirming theJoint Prepackaged Plan of Reorganization; and (III) Granting Related Relief[Docket No. 190] (the “Confirmation Brief”);ii. Declaration of Andrés Rubio in Support of Confirmation of the JointPrepackaged Plan of Reorganization of Intrum AB and its Debtor Affiliate.[Docket No. 189] (the “Confirmation Declaration”); andiii. Joint Prepackaged Chapter 11 Plan of Reorganization of Intrum AB and itsDebtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (FurtherTechnical Modifications) [Docket No. 191];n. Filed on December 18, 2024, the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Further Technical Modifications) [Docket No. 223];CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 3 4 o of f1 133454WHEREAS, the Court having, among other things:a. set December 12, 2024, at 4:00 p.m. (prevailing Central Time) as the deadlinefor Filing objection to the adequacy of the Disclosure Statement and/orConfirmation2 of the Plan (the “Objection Deadline”);b. held, on December 16, 2024 at 1:00 p.m. (prevailing Central Time) [andcontinuing through December 17, 2024], the Combined Hearing;c. heard the statements, arguments, and any objections made at the CombinedHearing;d. reviewed the Disclosure Statement, the Plan, the Ballots, the Plan Supplement,the Confirmation Brief, the Confirmation Declaration, the SolicitationAffidavit, and the Voting Declaration;e. overruled (i) any and all objections to approval of the Disclosure Statement, thePlan, and Confirmation, except as otherwise stated or indicated on the record,and (ii) all statements and reservations of rights not consensually resolved orwithdrawn, unless otherwise indicated; andf. reviewed and taken judicial notice of all the papers and pleadings Filed(including any objections, statement, joinders, reservations of rights and otherresponses), all orders entered, and all evidence proffered or adduced and allarguments made at the hearings held before the Court during the pendency ofthese cases;NOW, THEREFORE, it appearing to the Bankruptcy Court that notice of theCombined Hearing and the opportunity for any party in interest to object to the DisclosureStatement and the Plan having been adequate and appropriate as to all parties affected or to beaffected by the Plan and the transactions contemplated thereby, and the legal and factual bases setforth in the documents Filed in support of approval of the Disclosure Statement and Confirmationand other evidence presented at the Combined Hearing establish just cause for the relief grantedherein; and after due deliberation thereon and good cause appearing therefor, the BankruptcyCourt makes and issues the following findings of fact and conclusions of law, and orders for thereasons stated on the record at the December 31, 2024 ruling on plan confirmation;2 Capitalized terms used but not otherwise defined herein have meanings given to them in the Plan and/or theDisclosure Statement. The rules of interpretation set forth in Article I.B of the Plan apply to this CombinedOrder.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 4 5 o of f1 133455I. FINDINGS OF FACT AND CONCLUSIONS OF LAWIT IS HEREBY FOUND AND DETERMINED THAT:A. Findings of Fact and Conclusions of Law.1. The findings and conclusions set forth herein and in the record of theCombined Hearing constitute the Bankruptcy Court's findings of fact and conclusions of law underRule 52 of the Federal Rules of Civil Procedure, as made applicable herein by Bankruptcy Rules7052 and 9014. To the extent any of the following conclusions of law constitute findings of fact,or vice versa, they are adopted as such.B. Jurisdiction, Venue, Core Proceeding.2. This Court has jurisdiction over these Chapter 11 Cases pursuant to28 U.S.C. § 1334. Venue of these proceedings and the Chapter 11 Cases in this district is properpursuant to 28 U.S.C. §§ 1408 and 1409. This is a core proceeding pursuant to 28 U.S.C.§ 157(b)(2) and this Court may enter a final order hereon under Article III of the United StatesConstitution.C. Eligibility for Relief.3. The Debtors were and continue to be entities eligible for relief under section109 of the Bankruptcy Code and the Debtors were and continue to be proper proponents of thePlan under section 1121(a) of the Bankruptcy Code.D. Commencement and Joint Administration of the Chapter 11 Cases.4. On the Petition Date, the Debtors commenced the Chapter 11 Cases. OnNovember 18, 2024, the Court entered an order [Docket No. 51] authorizing the jointadministration of the Chapter 11 Case in accordance with Bankruptcy Rule 1015(b). The Debtorshave operated their businesses and managed their properties as debtors in possession pursuant toCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 5 6 o of f1 133456sections 1107(a) and 1108 of the Bankruptcy Code. No trustee, examiner, or statutory committeehas been appointed in these Chapter 11 Cases.E. Adequacy of the Disclosure Statement.5. The Disclosure Statement and the exhibits contained therein (i) containssufficient information of a kind necessary to satisfy the disclosure requirements of applicablenonbankruptcy laws, rules and regulations, including the Securities Act; and (ii) contains“adequate information” as such term is defined in section 1125(a)(1) and used in section1126(b)(2) of the Bankruptcy Code, with respect to the Debtors, the Plan and the transactionscontemplated therein. The Filing of the Disclosure Statement satisfied Bankruptcy Rule 3016(b).The injunction, release, and exculpation provisions in the Plan and the Disclosure Statementdescribe, in bold font and with specific and conspicuous language, all acts to be enjoined andidentify the Entities that will be subject to the injunction, thereby satisfying Bankruptcy Rule3016(c).F. Solicitation.6. As described in and evidenced by the Voting Declaration, the Solicitationand the transmittal and service of the Solicitation Materials were: (i) timely, adequate, appropriate,and sufficient under the circumstances; and (ii) in compliance with sections 1125(g) and 1126(b)of the Bankruptcy Code, Bankruptcy Rules 3017 and 3018, the applicable Local Bankruptcy Rules,the Scheduling Order and all applicable nonbankruptcy rules, laws, and regulations applicable tothe Solicitation, including the registration requirements under the Securities Act. The SolicitationMaterials, including the Ballots and the Opt Out Form (as defined below), adequately informedthe holders of Claims entitled to vote on the Plan of the procedures and deadline for completingand submitting the Ballots.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 6 7 o of f1 1334577. The Debtors served the Combined Hearing Notice on the entire creditormatrix and served the Opt Out Form on all Non-Voting Classes. The Combined Hearing Noticeadequately informed Holders of Claims or Interests of critical information regarding voting on (ifapplicable) and objecting to the Plan, including deadlines and the inclusion of release, exculpation,and injunction provisions in the Plan, and adequately summarized the terms of the Third-PartyRelease. Further, because the form enabling stakeholders to opt out of the Third-Party Release (the“Opt Out Form”) was included in both the Ballots and the Opt Out Form, every known stakeholder,including unimpaired creditors was provided with the means by which the stakeholders could optout of the Third-Party Release. No further notice is required. The period for voting on the Planprovided a reasonable and sufficient period of time and the manner of such solicitation was anappropriate process allowing for such holders to make an informed decision.G. Tabulation.8. As described in and evidenced by the Voting Declaration, (i) the holders ofClaims in Class 3 (RCF Claims) and Class 5 (Notes Claims) are Impaired under the Plan(collectively, the “Voting Classes”) and have voted to accept the Plan in the numbers and amountsrequired by section 1126 of the Bankruptcy Code, and (ii) no Class that was entitled to vote on thePlan voted to reject the Plan. All procedures used to tabulate the votes on the Plan were in goodfaith, fair, reasonable, and conducted in accordance with the applicable provisions of theBankruptcy Code, the Bankruptcy Rules, the Local Rules, the Disclosure Statement, theScheduling Order, and all other applicable nonbankruptcy laws, rules, and regulations.H. Plan Supplement.9. On December 10, 2024, the Debtors Filed the Plan Supplement with theCourt. The Plan Supplement (including as subsequently modified, supplemented, or otherwiseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 7 8 o of f1 133458amended pursuant to a filing with the Court), complies with the terms of the Plan, and the Debtorsprovided good and proper notice of the filing in accordance with the Bankruptcy Code, theBankruptcy Rules, the Scheduling Order, and the facts and circumstances of the Chapter 11 Cases.All documents included in the Plan Supplement are integral to, part of, and incorporated byreference into the Plan. No other or further notice is or will be required with respect to the PlanSupplement. Subject to the terms of the Plan and the Lock-Up Agreement, and only consistenttherewith, the Debtors reserve the right to alter, amend, update, or modify the Plan Supplementand any of the documents contained therein or related thereto, in accordance with the Plan, on orbefore the Effective Date.I. Modifications to the Plan.10. Pursuant to section 1127 of the Bankruptcy Code, the modifications to thePlan described or set forth in this Combined Order constitute technical or clarifying changes,changes with respect to particular Claims by agreement with holders of such Claims, ormodifications that do not otherwise materially and adversely affect or change the treatment of anyother Claim or Interest under the Plan. These modifications are consistent with the disclosurespreviously made pursuant to the Disclosure Statement and Solicitation Materials, and notice ofthese modifications was adequate and appropriate under the facts and circumstances of the Chapter11 Cases. In accordance with Bankruptcy Rule 3019, these modifications do not require additionaldisclosure under section 1125 of the Bankruptcy Code or the resolicitation of votes under section1126 of the Bankruptcy Code, and they do not require that holders of Claims or Interests beafforded an opportunity to change previously cast acceptances or rejections of the Plan.Accordingly, the Plan is properly before this Court and all votes cast with respect to the Plan priorto such modification shall be binding and shall apply with respect to the Plan.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 8 9 o of f1 133459J. Objections Overruled.11. Any resolution or disposition of objections to Confirmation explained orotherwise ruled upon by the Court on the record at the Confirmation Hearing is herebyincorporated by reference. All unresolved objections, statements, joinders, informal objections,and reservations of rights are hereby overruled on the merits.K. Burden of Proof.12. The Debtors, as proponents of the Plan, have met their burden of provingthe elements of sections 1129(a) and 1129(b) of the Bankruptcy Code by a preponderance of theevidence, the applicable evidentiary standard for Confirmation. Further, the Debtors have proventhe elements of sections 1129(a) and 1129(b) by clear and convincing evidence. Each witness whotestified on behalf of the Debtors in connection with the Confirmation Hearing was credible,reliable, and qualified to testify as to the topics addressed in his testimony.L. Compliance with the Requirements of Section 1129 of the BankruptcyCode.13. The Plan complies with all applicable provisions of section 1129 of theBankruptcy Code as follows:a. Section 1129(a)(1) – Compliance of the Plan with Applicable Provisions of theBankruptcy Code.14. The Plan complies with all applicable provisions of the Bankruptcy Code,including sections 1122 and 1123, as required by section 1129(a)(1) of the Bankruptcy Code.i. Section 1122 and 1123(a)(1) – Proper Classification.15. The classification of Claims and Interests under the Plan is proper under theBankruptcy Code. In accordance with sections 1122(a) and 1123(a)(1) of the Bankruptcy Code,Article III of the Plan provides for the separate classification of Claims and Interests at each Debtorinto Classes, based on differences in the legal nature or priority of such Claims and Interests (otherCaCsaes e2 42-49-09507557 5 D oDcoucmumenetn 2t 9266-32 FFiilleedd iinn TTXXSSBB oonn 1021//3113//2245 PPaaggee 91 0o fo 1f 3143510than Administrative Claims, Professional Fee Claims, and Priority Tax Claims, which areaddressed in Article II of the Plan and Unimpaired, and are not required to be designated asseparate Classes in accordance with section 1123(a)(1) of the Bankruptcy Code). Valid business,factual, and legal reasons exist for the separate classification of the various Classes of Claims andInterests created under the Plan, the classifications were not implemented for any improperpurpose, and the creation of such Classes does not unfairly discriminate between or among holdersof Claims or Interests.16. In accordance with section 1122(a) of the Bankruptcy Code, each Class ofClaims or Interests contains only Claims or Interests substantially similar to the other Claims orInterests within that Class. Accordingly, the Plan satisfies the requirements of sections 1122(a),1122(b), and 1123(a)(1) of the Bankruptcy Codeii. Section 1123(a)(2) – Specifications of Unimpaired Classes.17. Article III of the Plan specifies that Claims and Interests in the classesdeemed to accept the Plan are Unimpaired under the Plan. Holders of Intercompany Claims andIntercompany Interests are either Unimpaired and conclusively presumed to have accepted thePlan, or are Impaired and deemed to reject (the “Deemed Rejecting Classes”) the Plan, and, ineither event, are not entitled to vote to accept or reject the Plan. In addition, Article II of the Planspecifies that Administrative Claims and Priority Tax Claims are Unimpaired, although the Plandoes not classify these Claims. Accordingly, the Plan satisfies the requirements of section1123(a)(2) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 101 o of f1 1334511iii. Section 1123(a)(3) – Specification of Treatment of Voting Classes18. Article III.B of the Plan specifies the treatment of each Voting Class underthe Plan – namely, Class 3 and Class 5. Accordingly, the Plan satisfies the requirements of section1123(a)(3) of the Bankruptcy Code.iv. Section 1123(a)(4) – No Discrimination.19. Article III of the Plan provides the same treatment to each Claim or Interestin any particular Class, as the case may be, unless the holder of a particular Claim or Interest hasagreed to a less favorable treatment with respect to such Claim or Interest. Accordingly, the Plansatisfies the requirements of section 1123(a)(4) of the Bankruptcy Code.v. Section 1123(a)(5) – Adequate Means for Plan Implementation.20. The Plan and the various documents included in the Plan Supplementprovide adequate and proper means for the Plan's execution and implementation, including: (a)the general settlement of Claims and Interests; (b) the restructuring of the Debtors' balance sheetand other financial transactions provided for by the Plan; (c) the consummation of the transactionscontemplated by the Plan, the Lock-Up Agreement, the Restructuring Implementation Deed andthe Agreed Steps Plan and other documents Filed as part of the Plan Supplement; (d) the issuanceof Exchange Notes, the New Money Notes, and the Noteholder Ordinary Shares pursuant to thePlan; (e) the amendment of the Intercreditor Agreement; (f) the amendment of the FacilityAgreement; (g) the amendment of the Senior Secured Term Loan Agreement; (h) theconsummation of the Rights Offering in accordance with the Plan, Rights Offering Documentsand the Lock-Up Agreement; (i) the granting of all Liens and security interests granted orconfirmed (as applicable) pursuant to, or in connection with, the Facility Agreement, the ExchangeNotes Indenture, the New Money Notes Indenture, the amended Intercreditor Agreement and theCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 112 o of f1 1334512Senior Secured Term Loan Agreement pursuant to the New Security Documents (including anyLiens and security interests granted or confirmed (as applicable) on the Reorganized Debtors'assets); (j) the vesting of the assets of the Debtors' Estates in the Reorganized Debtors; (k) theconsummation of the corporate reorganization contemplated by the Plan, the Lock-Up Agreement,the Agreed Steps Plan and the Master Reorganization Agreement (as defined in the RestructuringImplementation Deed); and (l) the execution, delivery, filing, or recording of all contracts,instruments, releases, and other agreements or documents in furtherance of the Plan. Accordingly,the Plan satisfies the requirements of section 1123(a)(5) of the Bankruptcy Codevi. Section 1123(a)(6) – Non-Voting Equity Securities.21. The Company's organizational documents in accordance with the SwedishCompanies Act, Ch. 4, Sec 5 and the Plan prohibit the issuance of non-voting securities as of theEffective Date to the extent required to comply with section 1123(a)(6) of the Bankruptcy Code.Accordingly, the Plan satisfies the requirements of section 1123(a)(6) of the Bankruptcy Code.vii. Section 1123(a)(7) – Directors, Officers, and Trustees.22. The manner of selection of any officer, director, or trustee (or any successorto and such officer, director, or trustee) of the Reorganized Debtors will be determined inaccordance with the existing organizational documents, which is consistent with the interests ofcreditors and equity holders and with public policy. Accordingly, the Plan satisfies therequirements of section 1123(a)(7) of the Bankruptcy Code.b. Section 1123(b) – Discretionary Contents of the Plan23. The Plan contains various provisions that may be construed as discretionarybut not necessary for Confirmation under the Bankruptcy Code. Any such discretionary provisionCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 123 o of f1 1334513complies with section 1123(b) of the Bankruptcy Code and is not inconsistent with the applicableprovisions of the Bankruptcy Code. Thus, the Plan satisfies section 1123(b).i. Section 1123(b)(1) – Impairment/Unimpairment of Any Class of Claims orInterests24. Article III of the Plan impairs or leaves unimpaired, as the case may be,each Class of Claims or Interests, as contemplated by section 1123(b)(1) of the Bankruptcy Code.ii. Section 1123(b)(2) – Assumption and Rejection of Executory Contracts andUnexpired Leases25. Article V of the Plan provides for the assumption of the Debtors' ExecutoryContracts and Unexpired Leases as of the Effective Date unless such Executory Contract orUnexpired Lease: (a) is identified on the Rejected Executory Contract and Unexpired Lease List;(b) has been previously rejected by a Final Order; (c) is the subject of a motion to reject ExecutoryContracts or Unexpired Leases that is pending on the Confirmation Date; or (4) is subject to amotion to reject an Executory Contract or Unexpired Lease pursuant to which the requestedeffective date of such rejection is after the Effective Date. Thus, the Plan satisfies section1123(b)(2).iii. Compromise and Settlement26. In accordance with section 1123(b)(3)(A) of the Bankruptcy Code andBankruptcy Rule 9019, and in consideration for the distributions and other benefits provided underthe Plan, the provisions of the Plan constitute a good-faith compromise of all Claims, Interests,and controversies relating to the contractual, legal, and subordination rights that all holders ofClaims or Interests may have with respect to any Allowed Claim or Interest or any distribution tobe made on account of such Allowed Claim or Interest. Such compromise and settlement is theproduct of extensive arm's-length, good faith negotiations that, in addition to the Plan, resulted inCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 134 o of f1 1334514the execution of the Lock-Up Agreement, which represents a fair and reasonable compromise ofall Claims, Interests, and controversies and entry into which represented a sound exercise of theDebtors' business judgment. Such compromise and settlement is fair, equitable, and reasonableand in the best interests of the Debtors and their Estates.27. The releases of the Debtors' directors and officers are an integral componentof the settlements and compromises embodied in the Plan. The Debtors' directors and officers: (a)made a substantial and valuable contribution to the Debtors' restructuring, including extensive preandpost-Petition Date negotiations with stakeholder groups, and ensured the uninterruptedoperation of the Debtors' businesses during the Chapter 11 Cases; (b) invested significant timeand effort to make the restructuring a success and maximize the value of the Debtors' businessesin a challenging operating environment; (c) attended and, in certain instances, testified atdepositions and Court hearings; (d) attended and participated in numerous stakeholder meetings,management meetings, and board meetings related to the restructuring; (e) are entitled toindemnification from the Debtors under applicable non-bankruptcy law, organizationaldocuments, and agreements; (f) invested significant time and effort in the preparation of the Lock-Up Agreement, the Plan, Disclosure Statement, all supporting analyses, and the numerous otherpleadings Filed in the Chapter 11 Cases, thereby ensuring the smooth administration of the Chapter11 Cases; and (g) are entitled to all other benefits under any employment contracts existing as ofthe Petition Date. Litigation by the Debtors or other Releasing Parties against the Debtors'directors and officers would be a distraction to the Debtors' business and restructuring and woulddecrease rather than increase the value of the estates. The releases of the Debtors' directors andofficers contained in the Plan have the consent of the Debtors and the Releasing Parties and are inthe best interests of the estates.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 145 o of f1 1334515iv. Debtor Release28. The releases of claims and Causes of Action by the Debtors, ReorganizedDebtors, and their Estates described in Article VIII.C of the Plan in accordance with section1123(b) of the Bankruptcy Code (the “Debtor Release”) represent a valid exercise of the Debtors'business judgment under Bankruptcy Rule 9019. The Debtors' or the Reorganized Debtors' pursuitof any such claims against the Released Parties is not in the best interests of the Estates' variousconstituencies because the costs involved would outweigh any potential benefit from pursuingsuch claims. The Debtor Release is fair and equitable and complies with the absolute priority rule.29. The Debtor Release is (a) an integral part of the Plan, and a component ofthe comprehensive settlement implemented under the Plan; (b) in exchange for the good andvaluable consideration provided by the Released Parties; (c) a good faith settlement andcompromise of the claims and Causes of Action released by the Debtor Release; (d) materiallybeneficial to, and in the best interests of, the Debtors, their Estates, and their stakeholders, and isimportant to the overall objectives of the Plan to finally resolve certain Claims among or againstcertain parties in interest in the Chapter 11 Cases; (e) fair, equitable, and reasonable; (f) given andmade after due notice and opportunity for hearing; and (g) a bar to any Debtor asserting any claimor Cause of Action released by the Debtor Release against any of the Released Parties. Theprobability of success in litigation with respect to the released claims and Causes of Action, whenweighed against the costs, supports the Debtor Release. With respect to each of these potentialCauses of Action, the parties could assert colorable defenses and the probability of success isuncertain. The Debtors' or the Reorganized Debtors' pursuit of any such claims or Causes ofAction against the Released Parties is not in the best interests of the Estates or the Debtors' variousCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 156 o of f1 1334516constituencies because the costs involved would likely outweigh any potential benefit frompursuing such claims or Causes of Action30. Holders of Claims and Interests entitled to vote have overwhelmingly votedin favor of the Plan, including the Debtor Release. The Plan, including the Debtor Release, wasnegotiated before and after the Petition Date by sophisticated parties represented by able counseland advisors, including the Consenting Creditors. The Debtor Release is therefore the result of ahard fought and arm's-length negotiation process conducted in good faith.31. The Debtor Release appropriately offers protection to parties thatparticipated in the Debtors' restructuring process, including the Consenting Creditors, whoseparticipation in the Chapter 11 Cases is critical to the Debtors' successful emergence frombankruptcy. Specifically, the Released Parties, including the Consenting Creditors, madesignificant concessions and contributions to the Chapter 11 Cases, including, entering into theLock-Up Agreement and related agreements, supporting the Plan and the Chapter 11 Cases, andwaiving or agreeing to impair substantial rights and Claims against the Debtors under the Plan (aspart of the compromises composing the settlement underlying the revised Plan) in order tofacilitate a consensual reorganization and the Debtors' emergence from chapter 11. The DebtorRelease for the Debtors' directors and officers is appropriate because the Debtors' directors andofficers share an identity of interest with the Debtors and, as previously stated, supported and madesubstantial contributions to the success of the Plan, the Chapter 11 Cases, and operation of theDebtors' business during the Chapter 11 Cases, actively participated in meetings, negotiations, andimplementation during the Chapter 11 Cases, and have provided other valuable consideration tothe Debtors to facilitate the Debtors' successful reorganization and continued operation.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 167 o of f1 133451732. The scope of the Debtor Release is appropriately tailored under the factsand circumstances of the Chapter 11 Cases. In light of, among other things, the value provided bythe Released Parties to the Debtors' Estates and the critical nature of the Debtor Release to thePlan, the Debtor Release is appropriate.v. Release by Holders of Claims and Interests33. The release by the Releasing Parties (the “Third-Party Release”), set forthin Article VIII.D of the Plan, is an essential provision of the Plan. The Third-Party Release is: (a)consensual as to those Releasing Parties that did not specifically and timely object or properly optout from the Third-Party Release; (b) within the jurisdiction of the Bankruptcy Court pursuant to28 U.S.C. § 1334; (c) in exchange for the good and valuable consideration provided by theReleased Parties; (d) a good faith settlement and compromise of the claims and Causes of Actionreleased by the Third-Party Release; (e) materially beneficial to, and in the best interests of, theDebtors, their Estates, and their stakeholders, and is important to the overall objectives of the Planto finally resolve certain Claims among or against certain parties in interest in the Chapter 11Cases; (f) fair, equitable, and reasonable; (g) given and made after due notice and opportunity forhearing; (h) appropriately narrow in scope given that it expressly excludes, among other things,any Cause of Action that is judicially determined by a Final Order to have constituted actual fraud,willful misconduct, or gross negligence; (i) a bar to any of the Releasing Parties asserting anyclaim or Cause of Action released by the Third-Party Release against any of the Released Parties;and (j) consistent with sections 105, 524, 1123, 1129, and 1141 and other applicable provisions ofthe Bankruptcy Code.34. The Third-Party Release is an integral part of the agreement embodied inthe Plan among the relevant parties in interest. Like the Debtor Release, the Third-Party ReleaseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 178 o of f1 1334518facilitated participation in both the Debtors' Plan and the chapter 11 process generally. The Third-Party Release is instrumental to the Plan and was critical in incentivizing parties to support thePlan and preventing significant and time-consuming litigation regarding the parties' respectiverights and interests. The Third-Party Release was a core negotiation point in connection with thePlan and instrumental in developing the Plan that maximized value for all of the Debtors'stakeholders and kept the Debtors intact as a going concern. As such, the Third-Party Releaseappropriately offers certain protections to parties who constructively participated in the Debtors'restructuring process—including the Consenting Creditors (as set forth above)—by, among otherthings, facilitating the negotiation and consummation of the Plan, supporting the Plan and, in thecase of the Backstop Providers, committing to provide new capital to facilitate the Debtors'emergence from chapter 11. Specifically, the Notes Ad Hoc Group proposed and negotiated thepari passu transaction that is the basis of the restructuring proposed under the Plan and provideda much-needed deleveraging to the Debtors' business while taking a discount on their Claims (inexchange for other consideration).35. Furthermore, the Third-Party Release is consensual as to all parties ininterest, including all Releasing Parties, and such parties in interest were provided notice of thechapter 11 proceedings, the Plan, the deadline to object to confirmation of the Plan, and theCombined Hearing and were properly informed that all holders of Claims against or Interests inthe Debtors that did not file an objection with the Court in the Chapter 11 Cases that included anexpress objection to the inclusion of such holder as a Releasing Party under the provisionscontained in Article VIII of the Plan would be deemed to have expressly, unconditionally,generally, individually, and collectively consented to the release and discharge of all claims andCauses of Action against the Debtors and the Released Parties. Additionally, the release provisionsCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 189 o of f1 1334519of the Plan were conspicuous, emphasized with boldface type in the Plan, the DisclosureStatement, the Ballots, and the applicable notices. Except as set forth in the Plan, all ReleasingParties were properly informed that unless they (a) checked the “opt out” box on the applicableBallot or opt-out form and returned the same in advance of the Voting Deadline, as applicable, or(b) timely Filed an objection to the releases contained in the Plan that was not resolved beforeentry of this Confirmation Order, they would be deemed to have expressly consented to the releaseof all Claims and Causes of Action against the Released Parties.36. The Ballots sent to all holders of Claims and Interests entitled to vote, aswell as the notice of the Combined Hearing sent to all known parties in interest (including thosenot entitled to vote on the Plan), unambiguously provided in bold letters that the Third-PartyRelease was contained in the Plan.37. The scope of the Third-Party Release is appropriately tailored under thefacts and circumstances of the Chapter 11 Cases, and parties in interest received due and adequatenotice of the Third-Party Release. Among other things, the Plan provides appropriate and specificdisclosure with respect to the claims and Causes of Action that are subject to the Third-PartyRelease, and no other disclosure is necessary. The Debtors, as evidenced by the VotingDeclaration and Certificate of Publication, including by providing actual notice to all knownparties in interest, including all known holders of Claims against, and Interests in, any Debtor andpublishing notice in international and national publications for the benefit of unknown parties ininterest, provided sufficient notice of the Third-Party Release, and no further or other notice isnecessary. The Third-Party Release is designed to provide finality for the Debtors, theReorganized Debtors and the Released Parties regarding the parties' respective obligations underthe Plan. For the avoidance of doubt, and notwithstanding anything to the contrary, anyparty who timely opted-out of the Third-Party Release is not bound by the Third-PartyRelease.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 290 o of f1 133452038. The Third-Party Release is specific in language, integral to the Plan, andgiven for substantial consideration. The Releasing Parties were given due and adequate notice ofthe Third-Party Release, and thus the Third-Party Release is consensual under controllingprecedent as to those Releasing Parties that did not specifically and timely object. In light of,among other things, the value provided by the Released Parties to the Debtors' Estates and theconsensual and critical nature of the Third-Party Release to the Plan, the Third-Party Release isappropriatevi. Exculpation.39. The exculpation described in Article VIII.E of the Plan (the “Exculpation”)is appropriate under applicable law, including In re Highland Capital Mgmt., L.P., 48 F. 4th 419(5th Cir. 2022), because it was supported by proper evidence, proposed in good faith, wasformulated following extensive good-faith, arm's-length negotiations with key constituents, and isappropriately limited in scope.40. No Entity or Person may commence or continue any action, employ anyprocess, or take any other act to pursue, collect, recover or offset any Claim, Interest, debt,obligation, or Cause of Action relating or reasonably likely to relate to any act or commission inconnection with, relating to, or arising out of a Covered Matter (including one that alleges theactual fraud, gross negligence, or willful misconduct of a Covered Entity), unless expresslyauthorized by the Bankruptcy Court after (1) it determines, after a notice and a hearing, such Claim,Interest, debt, obligation, or Cause of Action is colorable and (2) it specifically authorizes suchEntity or Person to bring such Claim or Cause of Action. The Bankruptcy Court shall have soleand exclusive jurisdiction to determine whether any such Claim, Interest, debt, obligation or Causeof Action is colorable and, only to the extent legally permissible and as provided for in Article XI,CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 201 o of f1 1334521shall have jurisdiction to adjudicate such underlying colorable Claim, Interest, debt, obligation, orCause of Action.vii. Injunction.41. The injunction provisions set forth in Article VIII.F of the Plan are essentialto the Plan and are necessary to implement the Plan and to preserve and enforce the discharge,Debtor Release, the Third-Party Release, and the Exculpation provisions in Article VIII of thePlan. The injunction provisions are appropriately tailored to achieve those purposes.viii. Preservation of Claims and Causes of Action.42. Article IV.L of the Plan appropriately provides for the preservation by theDebtors of certain Causes of Action in accordance with section 1123(b) of the Bankruptcy Code.Causes of Action not released by the Debtors or exculpated under the Plan will be retained by theReorganized Debtors as provided by the Plan. The Plan is sufficiently specific with respect to theCauses of Action to be retained by the Debtors, and the Plan and Plan Supplement providemeaningful disclosure with respect to the potential Causes of Action that the Debtors may retain,and all parties in interest received adequate notice with respect to such retained Causes of Action.The provisions regarding Causes of Action in the Plan are appropriate and in the best interests ofthe Debtors, their respective Estates, and holders of Claims or Interests. For the avoidance of anydoubt, Causes of Action released or exculpated under the Plan will not be retained by theReorganized Debtors.c. Section 1123(d) – Cure of Defaults43. Article V.D of the Plan provides for the satisfaction of Cure Claimsassociated with each Executory Contract and Unexpired Lease to be assumed in accordance withsection 365(b)(1) of the Bankruptcy Code. Any monetary defaults under each assumed ExecutoryCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 212 o of f1 1334522Contract or Unexpired Lease shall be satisfied, pursuant to section 365(b)(1) of the BankruptcyCode, by payment of the default amount in Cash on the Effective Date, subject to the limitationsdescribed in Article V.D of the Plan, or on such other terms as the parties to such ExecutoryContracts or Unexpired Leases may otherwise agree. Any Disputed Cure Amounts will bedetermined in accordance with the procedures set forth in Article V.D of the Plan, and applicablebankruptcy and nonbankruptcy law. As such, the Plan provides that the Debtors will Cure, orprovide adequate assurance that the Debtors will promptly Cure, defaults with respect to assumedExecutory Contracts and Unexpired Leases in accordance with section 365(b)(1) of theBankruptcy Code. Thus, the Plan complies with section 1123(d) of the Bankruptcy Code.d. Section 1129(a)(2) – Compliance of the Debtors and Others with the ApplicableProvisions of the Bankruptcy Code.44. The Debtors, as proponents of the Plan, have complied with all applicableprovisions of the Bankruptcy Code as required by section 1129(a)(2) of the Bankruptcy Code,including sections 1122, 1123, 1124, 1125, 1126, and 1128, and Bankruptcy Rules 3017, 3018,and 3019.e. Section 1129(a)(3) – Proposal of Plan in Good Faith.45. The Debtors have proposed the Plan in good faith, in accordance with theBankruptcy Code requirements, and not by any means forbidden by law. In determining that thePlan has been proposed in good faith, the Court has examined the totality of the circumstancesfiling of the Chapter 11 Cases, including the formation of Intrum AB of Texas LLC (“IntrumTexas”), the Plan itself, and the process leading to its formulation. The Debtors' good faith isevident from the facts and record of the Chapter 11 Cases, the Disclosure Statement, and the recordof the Combined Hearing and other proceedings held in the Chapter 11 CasesCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 223 o of f1 133452346. The Plan (including the Plan Supplement and all other documents necessaryto effectuate the Plan) is the product of good faith, arm's-length negotiations by and among theDebtors, the Debtors' directors and officers and the Debtors' key stakeholders, including theConsenting Creditors and each of their respective professionals. The Plan itself and the processleading to its formulation provide independent evidence of the Debtors' and such other parties'good faith, serve the public interest, and assure fair treatment of holders of Claims or Interests.Consistent with the overriding purpose of chapter 11, the Debtors Filed the Chapter 11 Cases withthe belief that the Debtors were in need of reorganization and the Plan was negotiated and proposedwith the intention of accomplishing a successful reorganization and maximizing stakeholder value,and for no ulterior purpose. Accordingly, the requirements of section 1129(a)(3) of the BankruptcyCode are satisfied.f. Section 1129(a)(4) – Court Approval of Certain Payments as Reasonable.47. Any payment made or to be made by the Debtors, or by a person issuingsecurities or acquiring property under the Plan, for services or costs and expenses in connectionwith the Chapter 11 Cases, or in connection with the Plan and incident to the Chapter 11 Cases,has been approved by, or is subject to the approval of, the Court as reasonable. Accordingly, thePlan satisfies the requirements of section 1129(a)(4).g. Section 1129(a)(5)—Disclosure of Directors and Officers and Consistency with theInterests of Creditors and Public Policy.48. The identities of or process for appointment of the Reorganized Debtors'directors and officers proposed to serve after the Effective Date were disclosed in the PlanSupplement in advance of the Combined Hearing. Accordingly, the Debtors have satisfied therequirements of section 1129(a)(5) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 234 o of f1 1334524h. Section 1129(a)(6)—Rate Changes.49. The Plan does not contain any rate changes subject to the jurisdiction of anygovernmental regulatory commission and therefore will not require governmental regulatoryapproval. Therefore, section 1129(a)(6) of the Bankruptcy Code does not apply to the Plan.i. Section 1129(a)(7)—Best Interests of Holders of Claims and Interests.50. The liquidation analysis attached as Exhibit D to the Disclosure Statementand the other evidence in support of the Plan that was proffered or adduced at the CombinedHearing, and the facts and circumstances of the Chapter 11 Cases are (a) reasonable, persuasive,credible, and accurate as of the dates such analysis or evidence was prepared, presented orproffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c) have not beencontroverted by other evidence; and (d) establish that each holder of Allowed Claims or Interestsin each Class will recover as much or more value under the Plan on account of such Claim orInterest, as of the Effective Date, than the amount such holder would receive if the Debtors wereliquidated on the Effective Date under chapter 7 of the Bankruptcy Code or has accepted the Plan.As a result, the Debtors have demonstrated that the Plan is in the best interests of their creditorsand equity holders and the requirements of section 1129(a)(7) of the Bankruptcy Code are satisfied.j. Section 1129(a)(8)—Conclusive Presumption of Acceptance by UnimpairedClasses; Acceptance of the Plan by Certain Voting Classes.51. The classes deemed to accept the Plan are Unimpaired under the Plan andare deemed to have accepted the Plan pursuant to section 1126(f) of the Bankruptcy Code. EachVoting Class voted to accept the Plan. For the avoidance of doubt, however, even if section1129(a)(8) has not been satisfied with respect to all of the Debtors, the Plan is confirmable becausethe Plan does not discriminate unfairly and is fair and equitable with respect to the Voting Classesand thus satisfies section 1129(b) of the Bankruptcy Code with respect to such Classes as describedCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 245 o of f1 1334525further below. As a result, the requirements of section 1129(b) of the Bankruptcy Code are alsosatisfied.k. Section 1129(a)(9)—Treatment of Claims Entitled to Priority Pursuant to Section507(a) of the Bankruptcy Code.52. The treatment of Administrative Claims, Professional Fee Claims, andPriority Tax Claims under Article II of the Plan satisfies the requirements of, and complies in allrespects with, section 1129(a)(9) of the Bankruptcy Code.l. Section 1129(a)(10)—Acceptance by at Least One Voting Class.53. As set forth in the Voting Declaration, all Voting Classes overwhelminglyvoted to accept the Plan. As such, there is at least one Voting Class that has accepted the Plan,determined without including any acceptance of the Plan by any insider (as defined by theBankruptcy Code), for each Debtor. Accordingly, the requirements of section 1129(a)(10) of theBankruptcy Code are satisfied.m. Section 1129(a)(11)—Feasibility of the Plan.54. The Plan satisfies section 1129(a)(11) of the Bankruptcy Code. Thefinancial projections attached to the Disclosure Statement as Exhibit D and the other evidencesupporting the Plan proffered or adduced by the Debtors at or before the Combined Hearing: (a)is reasonable, persuasive, credible, and accurate as of the dates such evidence was prepared,presented, or proffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c)has not been controverted by other persuasive evidence; (d) establishes that the Plan is feasibleand Confirmation of the Plan is not likely to be followed by liquidation or the need for furtherfinancial reorganization; (e) establishes that the Debtors will have sufficient funds available tomeet their obligations under the Plan and in the ordinary course of business—including sufficientamounts of Cash to reasonably ensure payment of Allowed Claims that will receive CashCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 256 o of f1 1334526distributions pursuant to the terms of the Plan and other Cash payments required under the Plan;and (f) establishes that the Debtors or the Reorganized Debtors, as applicable, will have thefinancial wherewithal to pay any Claims that accrue, become payable, or are allowed by FinalOrder following the Effective Date. Accordingly, the Plan satisfies the requirements of section1129(a)(11) of the Bankruptcy Code.n. Section 1129(a)(12)—Payment of Statutory Fees.55. Article XII.C of the Plan provides that all fees payable pursuant to section1930(a) of the Judicial Code, as determined by the Court at the Confirmation Hearing inaccordance with section 1128 of the Bankruptcy Code, will be paid by each of the applicableReorganized Debtors for each quarter (including any fraction of a quarter) until the Chapter 11Cases are converted, dismissed, or closed, whichever occurs first. Accordingly, the Plan satisfiesthe requirements of section 1129(a)(12) of the Bankruptcy Code.o. Section 1129(a)(13)—Retiree Benefits.56. Pursuant to section 1129(a)(13) of the Bankruptcy Code, and as provided inArticle IV.K of the Plan, the Reorganized Debtors will continue to pay all obligations on accountof retiree benefits (as such term is used in section 1114 of the Bankruptcy Code) on and after theEffective Date in accordance with applicable law. As a result, the requirements of section1129(a)(13) of the Bankruptcy Code are satisfied.p. Sections 1129(a)(14), (15), and (16)—Domestic Support Obligations, Individuals,and Nonprofit Corporations.57. The Debtors do not owe any domestic support obligations, are notindividuals, and are not nonprofit corporations. Therefore, sections 1129(a)(14), 1129(a)(15), and1129(a)(16) of the Bankruptcy Code do not apply to the Chapter 11 Cases.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 267 o of f1 1334527q. Section 1129(b)—Confirmation of the Plan Over Nonacceptance of VotingClasses.58. No Classes rejected the Plan, and section 1129(b) is not applicable here,but even if it were, the Plan may be confirmed pursuant to section 1129(b)(1) of the BankruptcyCode because the Plan is fair and equitable with respect to the Deemed Rejecting Classes. ThePlan has been proposed in good faith, is reasonable, and meets the requirements and all VotingClasses have voted to accept the Plan. The treatment of Intercompany Claims and IntercompanyInterests under the Plan provides for administrative convenience does not constitute a distributionunder the Plan on account of suc

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Late Confirmation by CoinDesk
THE MINING POD: Compute North Lawsuit, Phoenix Group's 50 MW Site, Canaan's Nano 3S and Avalon Mini 3

Late Confirmation by CoinDesk

Play Episode Listen Later Jan 10, 2025 48:37


We cover the Compute North creditor lawsuit, Phoenix Group's new 50 MW North Dakota site, and Canaan's Nano 3S and Avalon Mining 3 in today's news roundup. Welcome back to The Mining Pod! For today's news roundup, Will, Colin, and Matt are joined by Luxor CEO, Nick Hansen. The gang covers news that Blockspace broke this week pertaining to a creditor lawsuit against former executives of defunct Compute North, the erstwhile bitcoin mining hosting titan that went bankrupt in 2022. Plus, Phoenix Group's 50 MW bitcoin mine in North Dakota, a 2024 bitcoin mining market review from Nick, and Canaan's new home mining heater series with the Nano 3S and Avalon Mini 3. And for this week's cry corner, popular Ethereum browser wallet Metamask is adding support for…Bitcoin? Timestamps:00:00 Start02:19 Difficulty report07:32 Creditors sue Compute North16:30 Phoenix 50MW North Dakota site27:18 Yearly overview31:15 Canaan Nano 3 home heater40:13 Cry corner: Metamask seeks Bitcoin product managerPublished twice weekly, "The Mining Pod" interviews the best builders and operators in the Bitcoin and Bitcoin mining landscape. Subscribe to get notifications when we publish interviews on Tuesday and a news show on Friday!

Hashr8 Podcast
Compute North Lawsuit, Phoenix Group's 50 MW Site, Canaan's Nano 3S and Avalon Mini 3

Hashr8 Podcast

Play Episode Listen Later Jan 10, 2025 48:37


Welcome back to The Mining Pod! For today's news roundup, Will, Colin, and Matt are joined by Luxor CEO, Nick Hansen. The gang covers news that Blockspace broke this week pertaining to a creditor lawsuit against former executives of defunct Compute North, the erstwhile bitcoin mining hosting titan that went bankrupt in 2022. Plus, Phoenix Group's 50 MW bitcoin mine in North Dakota, a 2024 bitcoin mining market review from Nick, and Canaan's new home mining heater series with the Nano 3S and Avalon Mini 3. And for this week's cry corner, popular Ethereum browser wallet Metamask is adding support for…Bitcoin?  Timestamps: 00:00 Start 02:19 Difficulty report 07:32 Creditors sue Compute North 16:30 Phoenix 50MW North Dakota site 27:18 Yearly overview 31:15 Canaan Nano 3 home heater 40:13 Cry corner: Metamask seeks Bitcoin product manager Published twice weekly, "The Mining Pod" interviews the best builders and operators in the Bitcoin and Bitcoin mining landscape. Subscribe to get notifications when we publish interviews on Tuesday and a news show on Friday! 

Modern Family Matters
How to Prepare for a Chapter 7 Bankruptcy Meeting of Creditors

Modern Family Matters

Play Episode Listen Later Jan 6, 2025 16:33


Send us a textJoin us as we sit down with Bankruptcy Attorney, Darin Wisehart, to discuss how to prepare for the meeting of creditors in a Chapter 7 bankruptcy, and ensure that all runs smoothly not only for the meeting, but for the bankruptcy as a whole.As a leading divorce firm in Portland, our attorneys provide guidance on custody, alimony, separation, estate planning, and more. Learn what to expect in Oregon and Washington divorce cases and how we can help.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

Clear the Shelf with Chris & Chris
How Amazon Sellers Can repair Their Credit for Free | A Step-by-Step Guide

Clear the Shelf with Chris & Chris

Play Episode Listen Later Dec 16, 2024 86:06


Struggling with credit issues? Don't let bad credit hold back your Amazon business growth! In this episode of The Clear the Shelf Podcast, Chris Grant and Chris Racic dive deep into actionable steps to fix your credit for FREE and leverage better credit for scaling your Amazon FBA business. Whether you've made mistakes in the past or simply want to optimize your credit score, this episode has the strategies you need.Just make sure to wield credit wisely! What you'll learn: • How to access and analyze your credit report for errors • The power of dispute letters: How to use them effectively • Proven negotiation tactics for reducing or eliminating old debts • Step-by-step methods to rebuild credit, including secured cards and credit builder loans • Expert tips for maintaining and optimizing your credit utilization -------------------- RESOURCES FOR YOU:

Position of Neutrality
Position of Neutrality: Building a Foundation for Lasting Recovery in Step 9 AA Confronting Creditors A Path to Recovery

Position of Neutrality

Play Episode Listen Later Dec 8, 2024 0:49


Join Joe McDonald as he reads and expands on the Big Book of Alcoholics Anonymous, offering deeper understanding and practical advice for those on their recovery journey. In this session, Joe addresses the importance of honesty and building a strong foundation in recovery. He emphasizes the need to be open with creditors and others we've harmed during our addiction. The Big Book encourages us to stop dodging those we owe and to confront our past directly—because, more often than not, people already know the truth about our condition.Joe warns against keeping secrets in recovery, as hiding one small aspect of ourselves can lead to everything falling apart. As he shares, without a solid foundation, recovery will collapse when challenges arise, and they inevitably will. This step calls for transparency, facing our responsibilities, and establishing a stable foundation for lasting sobriety.To support and learn from journeys like Joe McDonald, please like, comment, and share. Subscribe to our channel and join us every Thursday night at 7 p.m. Arizona time for more discussions on the AA steps and transformative real-life stories. Your engagement helps us reach and assist others on their path to recovery. Join us live on our YouTube channel to participate in the full step experience and share in the community discussions.Join us for more inspiring recovery stories and transformative insights.Check out our website at: www.positionofneutrality.orgYouTube:http://www.youtube.com/@positionofneutrality721Facebook: https://www.facebook.com/PositionOfNeutralitySpotify: https://open.spotify.com/show/3mGbAbcacTs83RhMsv6FmY?si=6531e7adfdbb480eRSS: Position of Neutrality | RSS.comTikTok: https://www.tiktok.com/@interactivestepexp?is_from_webapp=1&sender_device=pc#PositionOfNeutrality, #JoeMcDonald, #BrianReinhart, #WayneGiles, #EricReinhart, #DeniseMcDonald, #JoeTeaches, #BigBookAA, #ISEJourney, #Step9AA, #LGBTQRecovery, #PrideInRecovery, #AddictionRecovery, #12StepRecovery, #SpiritualAwakening, #FaithInAction, #PersonalTransformation, #OvercomingAddiction, #SoberLiving, #HealingJourney, #RecoverySupport, #SpiritualGrowth, #RecoveryCommunity, #SoberGoals, #EmotionalHealing, #HopeInRecovery, #RelapsePrevention, #FreedomFromAddiction, #NewBeginnings, #RecoveryIsPossible, #MindfulRecovery, #SerenityPrayer

Coinstack - For Smart Crypto Investors - Bitcoin, Ethereum, DeFi & The Future of Money

This week, BTC crashed to $63k on South Korean exchanges after the country enacted martial law, Celsius announced a $127M distribution to creditors, WisdomTree files for spot XRP ETF and big new venture rounds for usdx.money ($45M) and Avant ($6.5M).

Daf Yomi for Women - Hadran
Bava Batra 128 - October 31, 29 Tishrei

Daf Yomi for Women - Hadran

Play Episode Listen Later Oct 31, 2024 47:30


Today’s daf is dedicated in memory of Rabbi Dr. Raymond Harari who inspired me to love learning Gemara in high school. He brought each case in the Gemara to life, making the material engaging and relevant. He was a master teacher who cared deeply about his students and their growth. He was a true role model whose legacy will live on in the countless lives he touched. Tanchumim to his wife, Vicky, a Hadran learner, and to the entire family. Yehi zichro baruch. Today's daf is sponsored by Miri Kadosh in memory of her dear friend Yafit Yaffa bat Yitzchak Mazal who passed away this morning.  Seven teachings of Rabbi Abba from Israel are sent to Babylonia on various topics and Mar Zutra in the name of Rav Shimi bar Ashi paskens like him. If one claims that the person in another's house is his/her slave and it was stolen. The accused denies the claim and says that the slave was given as a gift/sold by the accuser. If the accused offers the accuser to take an oath that the slave is owned by him/her, then the accused can no longer reclaim the slave. The Gemara explains that the unique teaching of Rabbi Abba here is that the rabbis hold this even when money/property is being taken away from one side and given to the other (change of status quo). Others hold that this only in a case where the status quo is maintained. Creditors of a deceased can only collect from land that the father left the orphans. Rabbi Abba ruled that slaves are considered like land. Rav Nachman disagrees and does not equate slaves with land for this purpose. A person can testify for their father's first cousin as their connection is somewhat removed. It is called a third-generation testifying for a second-generation relative as they are both connected through brothers who are first-generation relatives. Rava holds that even a first-generation can testify for a third, i.e. a person and his great-uncle. Mar bar Rav Ashi even held that a person and his grandfather, but the ruling is not like his position as they are direct relatives. If one knew testimony about land borders and then became blind, one cannot testify. Shmuel rules that if the blind person can identify markers in the field, his testimony is accepted. Rav Sheshet and Rav Pappa extend this to other cases as well where one can identify items by size or weight (cloak and bar of silver). A braita is brought to raise a difficulty with Shmuel, Rav Sheshet and Rav Pappa. There are two interpretations of the fifth ruling of Rabbi Abba. One is he ruled like Rabbi Yochanan ben Broka that one can choose to bequeath all of one's property to one of the heirs (a son among sons or daughter among daughters). The other is that if a father identifies one of the sons to be the oldest, when a different one was presumed to be the oldest, he is believed, as per the position of Rabbi Yehuda. Rabbi Yochanan disagrees with Rabbi Abba on this ruling and holds by the rabbis' position (either in their disagreement with Rabbi Yochanan ben Broka or with Rabbi Yehuda). If a man says that his wife will inherit among the sons, this is effective. However, this would only include items owned by the man at that point and does not include possession he acquires later. And if there were more sons born later, the wife would have to divide the property with them as well.  If a creditor puts out a promissory note and the borrower says that half was already paid back and then witnesses come and testify that the entire loan was paid back, Rabbi Abba rules that the borrower takes an oath (modeh b'miktzat) and pays the other half but the creditor can only collect from property in the borrower's possession and not from liened property as the buyers can rely on the witnesses' testimony. Mar bar Rav Ashi disagrees and views the borrower as one returning a lost item who would be exempt from an oath.

Daf Yomi for Women – דף יומי לנשים – English
Bava Batra 128 - October 31, 29 Tishrei

Daf Yomi for Women – דף יומי לנשים – English

Play Episode Listen Later Oct 31, 2024 47:30


Today’s daf is dedicated in memory of Rabbi Dr. Raymond Harari who inspired me to love learning Gemara in high school. He brought each case in the Gemara to life, making the material engaging and relevant. He was a master teacher who cared deeply about his students and their growth. He was a true role model whose legacy will live on in the countless lives he touched. Tanchumim to his wife, Vicky, a Hadran learner, and to the entire family. Yehi zichro baruch. Today's daf is sponsored by Miri Kadosh in memory of her dear friend Yafit Yaffa bat Yitzchak Mazal who passed away this morning.  Seven teachings of Rabbi Abba from Israel are sent to Babylonia on various topics and Mar Zutra in the name of Rav Shimi bar Ashi paskens like him. If one claims that the person in another's house is his/her slave and it was stolen. The accused denies the claim and says that the slave was given as a gift/sold by the accuser. If the accused offers the accuser to take an oath that the slave is owned by him/her, then the accused can no longer reclaim the slave. The Gemara explains that the unique teaching of Rabbi Abba here is that the rabbis hold this even when money/property is being taken away from one side and given to the other (change of status quo). Others hold that this only in a case where the status quo is maintained. Creditors of a deceased can only collect from land that the father left the orphans. Rabbi Abba ruled that slaves are considered like land. Rav Nachman disagrees and does not equate slaves with land for this purpose. A person can testify for their father's first cousin as their connection is somewhat removed. It is called a third-generation testifying for a second-generation relative as they are both connected through brothers who are first-generation relatives. Rava holds that even a first-generation can testify for a third, i.e. a person and his great-uncle. Mar bar Rav Ashi even held that a person and his grandfather, but the ruling is not like his position as they are direct relatives. If one knew testimony about land borders and then became blind, one cannot testify. Shmuel rules that if the blind person can identify markers in the field, his testimony is accepted. Rav Sheshet and Rav Pappa extend this to other cases as well where one can identify items by size or weight (cloak and bar of silver). A braita is brought to raise a difficulty with Shmuel, Rav Sheshet and Rav Pappa. There are two interpretations of the fifth ruling of Rabbi Abba. One is he ruled like Rabbi Yochanan ben Broka that one can choose to bequeath all of one's property to one of the heirs (a son among sons or daughter among daughters). The other is that if a father identifies one of the sons to be the oldest, when a different one was presumed to be the oldest, he is believed, as per the position of Rabbi Yehuda. Rabbi Yochanan disagrees with Rabbi Abba on this ruling and holds by the rabbis' position (either in their disagreement with Rabbi Yochanan ben Broka or with Rabbi Yehuda). If a man says that his wife will inherit among the sons, this is effective. However, this would only include items owned by the man at that point and does not include possession he acquires later. And if there were more sons born later, the wife would have to divide the property with them as well.  If a creditor puts out a promissory note and the borrower says that half was already paid back and then witnesses come and testify that the entire loan was paid back, Rabbi Abba rules that the borrower takes an oath (modeh b'miktzat) and pays the other half but the creditor can only collect from property in the borrower's possession and not from liened property as the buyers can rely on the witnesses' testimony. Mar bar Rav Ashi disagrees and views the borrower as one returning a lost item who would be exempt from an oath.

Text & Context: Daf Yomi by Rabbi Dr. Hidary
Baba Batra 124 - Firstborn Also Pays Double to Father's Creditors

Text & Context: Daf Yomi by Rabbi Dr. Hidary

Play Episode Listen Later Oct 28, 2024 28:16


Afternoon Drive with John Maytham
What of SARB's deal with Ibex holdings to repatriate funds to foreign creditors?

Afternoon Drive with John Maytham

Play Episode Listen Later Oct 21, 2024 4:42


Rob Rose, author of Steinheist weighs in on the U-turn by the SARB in lending funds to Ibex Holding's – formerly Steinhoff to pay off foreign creditors.See omnystudio.com/listener for privacy information.

Federal Employees Retirement & Benefits Podcast
Is your TSP/401K Safe from Creditors, Lawsuits, and Divorce?

Federal Employees Retirement & Benefits Podcast

Play Episode Listen Later Oct 8, 2024 3:38


Financial security means knowing that your assets are safe, even when life throws unexpected challenges your way. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callChapters:0:00 - Is Your TSP Safe from Lawsuits?0:15 - Bankruptcy and Your TSP: What You Should Know - Protection from Creditors  0:34 - Real-Life Case Study: Federal Employee with Rental Property  1:09 - TSP and Divorce: How Your Assets Are Divided - Calculating Spouse's Share in a Divorce  2:33 - How Taxes Affect Your Retirement Rollovers - Maximizing Tax-Free Growth in RetirementYou don't need to work longer, you just need a better plan. Connect with CD Financial for More Insights:  Twitter: /CDFinancial_LLC    Instagram: /CDfinancial.llc    Facebook: /CDFinancialLLC    LinkedIn: /cd-financial-llc  Visit our Website [https://cdfinancial.org](https://cdfinancial.org)Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial:Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: [https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call](https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call)#RetirementPlanning #TSP #401K #FinancialSecurity #InvestmentStrategy #DivorcePlanning #podcast #Taxes #FinancialFreedom #CDFinancial Support the show

MoneyWise on Oneplace.com
7 Steps To Recession-Proof Your Finances

MoneyWise on Oneplace.com

Play Episode Listen Later Oct 1, 2024 24:57


Are you worried about a recession? Some economists say there's still a 35% chance it could happen in 2024.People often ask, “Will we have a recession?” The answer, of course, is “Yes.” We'll always have another recession—the real questions are, “When?” and “Are you prepared for it?” If you're not, now's the time to get started.With the economy showing signs of slowing down, preparing yourself financially for a potential recession is essential. Here are seven practical steps to “recession-proof” your finances and help you navigate uncertain times:1. Check Your Credit Score and ReportsThe first step is to assess where you stand financially by checking your credit score and obtaining your credit reports. You can access free credit reports from Experian, TransUnion, and Equifax at AnnualCreditReport.com. This gives you a baseline to track any changes and helps you negotiate with creditors if needed, especially if you face temporary financial hardship.Having a history of on-time payments can work in your favor if you need to negotiate better terms in the future.2. Use the Mayday BudgetIn times of financial stress, focus on the essentials. The Mayday budget consists of four key categories:Food: Prioritize simple, affordable meals and avoid dining out.Housing: Make your mortgage or rent payment.Utilities: Ensure essential services like electricity and water are covered.Transportation: Keep your car running or pay for essential transportation.Once these are covered, any remaining funds can be allocated to other bills.3. Seek Additional ResourcesIf your unemployment benefits or savings run out, there are other resources available. Non-profit organizations and local government agencies often offer assistance programs. You can call 2-1-1 or visit 2-1-1.org to find services in your area.4. Communicate with CreditorsBe proactive with your creditors. Create a list of all your creditors and their contact information, and be prepared to call them if your financial situation worsens. Explain your situation in detail, providing pay stubs to show your reduced income, and ask if you can make partial payments or temporarily stop payments.Keep a record of every conversation and ask for any agreements in writing. This can prevent confusion and protect you from scams. Remember, legitimate creditors won't ask for sensitive information over the phone or email.5. Get Professional Help with Credit Card DebtIf you're struggling to keep up with credit card payments, seek help from non-profit organizations like Christian Credit Counselors. They can help lower your interest rates and consolidate multiple payments into one manageable amount. This form of debt management helps pay off debts faster without the risks associated with debt consolidation.6. Save as Much as PossibleBuilding up your emergency fund is critical during a recession. Aim to have 3 to 6 months of living expenses saved. This cushion can help cover essential costs like food, housing, and utilities during periods of unemployment or reduced income.7. Pray for WisdomFinally, don't forget to pray. God promises in James 1:5 to give wisdom generously to those who ask. Pray for guidance in managing your finances, and trust that God will provide for you during difficult times.By following these steps, you can take meaningful action to protect your finances during a recession. Preparing in advance, maintaining open communication, and seeking God's wisdom will help you navigate whatever financial challenges come your way.On Today's Program, Rob Answers Listener Questions:Does the Bible speak about retirement at all? I've never read anything regarding it in Scripture besides referring to Levites and Priests.I'm reluctant to start shopping again for insurance, auto, and home. My premiums went up 31% this year, and I had just changed to another insurance company last year. I have no claims, and I just wondered if that seemed to be the pattern across the country or maybe for this region. Do you have any thoughts?My husband opted out of Social Security back in the 1980s. He's a pastor who works part-time. Now he's retired, and I wonder if he can get back into Social Security if he gets enough credits.My mom just passed away, and she left the house. She has a mortgage of $125,000 on it, and the loan is a VA loan. I don't know what to do with this property, so any advice would be greatly appreciated.Resources Mentioned:AnnualCreditReport.com211.orgChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Clauses & Controversies
Ep 144 ft. Nate Oman

Clauses & Controversies

Play Episode Listen Later Sep 30, 2024 35:23


An Execution Sale is Not a Receivership. (Right?) Creditors of Venezuela and PDVSA, its state oil company, have forced an execution sale of PDVSA's only US asset – which happens to be the ultimate parent company of CITGO. The federal judge overseeing the process has tried to keep things orderly, but the inter-creditor fighting is getting juicy. Some lower priority creditors have filed new lawsuits in an apparent attempt to jump the queue. Now the special master overseeing the execution sale process wants the court to enjoin these lawsuits. Which strikes as us a reach – almost as if the execution sale process is some kind of receivership. So we asked Nate Oman, who has written about the potential use of receiverships to solve sovereign debt problems, to help us figure out what is going on. Producer: Leanna Doty

Late Confirmation by CoinDesk
COINDESK DAILY: FTX, Alameda Ordered to Pay $12.7B to Creditors; Brazil's SEC Approves Solana-Based ETF

Late Confirmation by CoinDesk

Play Episode Listen Later Aug 8, 2024 1:49


Host Jennifer Sanasie breaks down the news in the crypto industry from FTX and Alameda Research being ordered to pay $12.7 billion to the Brazilian SEC's approval on a Solana-based ETF.To get the show every day, follow the podcast here."CoinDesk Daily" host Jennifer Sanasie breaks down the biggest headlines in the crypto industry today, as a New York judge officially ordered defunct crypto exchange FTX and trading firm Alameda Research will pay $12.7 billion to creditors. Plus, the Brazilian SEC has approved a Solana-based ETF, and Kamala Harris and Donald Trump are tied on Polymarket.-This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and Melissa Montañez and edited by Victor Chen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

ThePrint
ThePrintPod: What's going on with Byju's bankruptcy process? Creditors must secure claims, protect interests

ThePrint

Play Episode Listen Later Jul 29, 2024 7:30


Creditors must adhere to the prescribed timelines to recover their dues. Failure to do so could result in losing any potential payouts from the resolution plan or the liquidation process.  

Frugal Living for Families | Become a Stay-at-Home Mom, Save Money, Debt Relief, Easy Budgeting, Single-Income Strategies
41 | Settle Debt Easily - Tips for Negotiating With Creditors for Faster Debt Relief

Frugal Living for Families | Become a Stay-at-Home Mom, Save Money, Debt Relief, Easy Budgeting, Single-Income Strategies

Play Episode Listen Later Jun 10, 2024 8:45


Hey Mom! I know the weight of having debt hanging on your shoulders! And how it feels like it will never be gone. Does debt weigh your family down? In today's episode, I am giving you my EASY strategy for negotiating with credit card companies to reduce your debt down so much faster. What will being debt free do for your family and your peace of mind? It's in reach! Blessings to your family, Mandy P.S. Join our awesome FREE Facebook community! https://www.facebook.com/groups/frugallivingforfamilies Become a Frugal Living for Families Insider! Sign up at: subscribepage.io/FrugalLivingforFamilies/ for more tips on saving money, getting out of debt, becoming a stay-at-home mom, living on a single income, first access to my offerings and more! For my latest coaching options, email me at FrugalLivingforFamilies@gmail.com. Thank you for helping this show rank in the top 5% globally! I appreciate you so much!

Late Confirmation by CoinDesk
COINDESK DAILY: Genesis Set to Return $3B to Creditors; Craig Wright Lied to UK Court 'Extensively': Judge

Late Confirmation by CoinDesk

Play Episode Listen Later May 20, 2024 1:43


Host Jennifer Sanasie breaks down the latest news in the crypto industry from a Judge's written statement on the Craig Wright case to Genesis' liquidation plan.To get the show every day, follow the podcast here."CoinDesk Daily" host Jennifer Sanasie breaks down the biggest headlines impacting the crypto industry today, as Judge James Mellor released his written judgment on the Craig Wright case, stating that the Australian has lied "extensively and repeatedly" in his evidence. Plus, Genesis will return roughly 77% of customer assets in a liquidation plan, and a Nigerian court denies Binance executive Tigran Gambaryan's bail application.-Consensus is where experts convene to talk about the ideas shaping our digital future. Join developers, investors, founders, brands, policymakers and more in Austin, Texas from May 29-31. The tenth annual Consensus is curated by CoinDesk to feature the industry's most sought-after speakers, unparalleled networking opportunities and unforgettable experiences. Register now at consensus.coindesk.com.-This episode was hosted by Jennifer Sanasie. “First Mover” is produced by Jennifer Sanasie and Melissa Montañez and edited by Victor Chen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

theAnalysis.news
IMF & Private Creditors Subject Sri Lanka to Neo-Colonial Debt Bondage – Asoka Bandarage part 1/2

theAnalysis.news

Play Episode Listen Later May 15, 2024 28:46


The Sri Lankan government turned to the IMF for a near $3 billion bailout to repay loans provided by India and Japan, as well as international sovereign bonds issued by foreign creditors such as BlackRock. Dr. Asoka Bandarage, sociologist and author of Crisis in Sri Lanka and the World, suggests that Prime Minister Rajapaksa's declaration of bankruptcy in 2022 and the subsequent IMF bailout under Prime Minister Wickremesinghe was not an absolute necessity, but an attempt to shift Sri Lanka further under the umbrella of Western and Indian institutions, and away from Chinese loans.

Unchained
How the Top One-Third of FTX Creditors Are Boosting the Payouts for Everyone Else - Ep. 643

Unchained

Play Episode Listen Later May 10, 2024 48:29


Listen to the episode on Apple Podcasts, Spotify, Pods, Fountain, Overcast, Podcast Addict, Pocket Casts, Castbox, Google Podcasts, Amazon Music, or on your favorite podcast platform. Thomas Braziel, managing partner at 117 Partners, dives into the draft FTX bankruptcy plan, which was praised for paying out at more than 100% in dollar terms, but has a number of intricacies that are drawing criticisms from creditors—including a group that is urging creditors to vote not.  The episode delves into the nuances of the proposed payout, explaining how the estate was able to pay back more than 100% than the dollar value of the claims, why some creditors are being pitted against each other, and why it might get approved even “over the kicking and screaming” of some creditors.  Braziel gives his insights into the the rapid formation of this plan, the controversial role of Sullivan and Cromwell, and the logistical challenges posed by what may end up being paper check payouts.  Show highlights: Why the plan that was filed this week is such big news How it was never even possible for creditors to be made whole in crypto asset terms How the majority of depositors actually had stablecoins on the FTX platform Why there are “inter-creditor” disputes What a "cramdown" is and why it's significant in this case Criticisms of the plan, and why larger investors, especially with crypto holdings, are having their gains socialized Whether the FTX estate made mistakes by selling some of its positions before they 10x'ed Why FTX didn't reboot its platform  What conflicts of interest might arise from law firm Sullivan and Cromwell The tax implications for creditors who are non-US taxpayers How the claims are going to be distributed Whether the creditors will favor the proposal and the next steps  Thank you to our sponsors! iTrustCapital Polkadot VaultCraft Guest Thomas Braziel, Managing Partner at 117 Partners Previous appearances on Unchained: Why FTX Might Try to Claw Back Funds From Retail Customers Will FTX Reboot? Here's John Ray's Internal Deadline for Making a Decision Will FTX Customers Ever Recover Their Assets? Two Insolvency Experts Weigh In Will Celsius Survive the Bankruptcy Process? How Crypto Bankruptcy Claims Buyers Will Profit From the Collapse of FTX Links Previous coverage on Unchained of the FTX bankruptcy: Jesse Powell and Kevin Zhou on How FTX and Alameda Lost $10 Billion Did the Bahamian Government Direct SBF and Gary Wang to Hack FTX? The Chopping Block: Why Lenders Didn't Liquidate Alameda When It Was Underwater  Erik Voorhees and Cobie on Why FTX Loaned Out Customers' Assets The Chopping Block: FTX: The Biggest Collapse in the History of Crypto? Creditors plan: Unchained: 98% of FTX Creditors to Receive 118% Claims Payout Thomas' summary of the plan Dollarization:  Unchained: Is it Fair That Crypto Bankruptcies Are Denominated in Dollars? Here's a Solution to Dollarization Criticism of the plan: Nicholas Hall's thread  Sunil Kavuri's opinion on X Zach Guzman on the sale of Anthropic Taxes: Thomas' thread on the taxes for creditors Learn more about your ad choices. Visit megaphone.fm/adchoices

Late Confirmation by CoinDesk
UNCHAINED: How the Top One-Third of FTX Creditors Are Boosting the Payouts for Everyone Else

Late Confirmation by CoinDesk

Play Episode Listen Later May 10, 2024 45:59


The draft FTX bankruptcy plan is being lauded for paying out more—in dollar terms—to creditors than expected. But it's at the cost of customers who hold the most valuable assets on the exchange.Listen to the episode on Apple Podcasts, Spotify, Pods, Fountain, Overcast, Podcast Addict, Pocket Casts, Castbox, Google Podcasts, Amazon Music, or on your favorite podcast platform.Thomas Braziel, managing partner at 117 Partners, dives into the draft FTX bankruptcy plan, which was praised for paying out at more than 100% in dollar terms, but has several intricacies that are drawing criticisms from creditors—including a group that is urging creditors to vote not. The episode delves into the nuances of the proposed payout, explaining how the estate was able to pay back more than 100% of the dollar value of the claims, why some creditors are being pitted against each other, and why it might get approved even “over the kicking and screaming” of some creditors. Braziel gives his insights into the rapid formation of this plan, the controversial role of Sullivan and Cromwell, and the logistical challenges posed by what may end up being paper check payouts. Show highlights:Why the plan that was filed this week is such big newsHow it was never even possible for creditors to be made whole in crypto asset termsHow the majority of depositors had stablecoins on the FTX platformWhy there are “inter-creditor” disputesWhat a "cramdown" is and why it's significant in this caseCriticisms of the plan, and why larger investors, especially with crypto holdings, are having their gains socializedWhether the FTX estate made mistakes by selling some of its positions before they 10x'edWhy FTX didn't reboot its platform What conflicts of interest might arise from law firm Sullivan and CromwellThe tax implications for creditors who are non-US taxpayersHow the claims are going to be distributedWhether the creditors will favor the proposal and the next steps Thank you to our sponsors! iTrustCapital | Polkadot | VaultCraftGuest |Thomas Braziel, Managing Partner at 117 PartnersPrevious appearances on Unchained:Why FTX Might Try to Claw Back Funds From Retail CustomersWill FTX Reboot? Here's John Ray's Internal Deadline for Making a DecisionWill FTX Customers Ever Recover Their Assets? Two Insolvency Experts Weigh InWill Celsius Survive the Bankruptcy Process?How Crypto Bankruptcy Claims Buyers Will Profit From the Collapse of FTXLinks | Previous coverage on Unchained of the FTX bankruptcy:Jesse Powell and Kevin Zhou on How FTX and Alameda Lost $10 BillionDid the Bahamian Government Direct SBF and Gary Wang to Hack FTX?The Chopping Block: Why Lenders Didn't Liquidate Alameda When It Was Underwater Erik Voorhees and Cobie on Why FTX Loaned Out Customers' AssetsThe Chopping Block: FTX: The Biggest Collapse in the History of Crypto?Creditors plan:Unchained: 98% of FTX Creditors to Receive 118% Claims PayoutThomas' summary of the planDollarization: Unchained: Is it Fair That Crypto Bankruptcies Are Denominated in Dollars? Here's a Solution to DollarizationCriticism of the plan:Nicholas Hall's thread Sunil Kavuri's opinion on XZach Guzman on the sale of AnthropicTaxes:Thomas' thread on the taxes for creditorsUnchained Podcast is Produced by Laura Shin Media, LLC. Distributed by CoinDesk. Senior Producer is Michele Musso and Executive Producer is Jared Schwartz. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Daily Crypto Report
"FTX to reimburse creditors at 118%" May 08, 2024

Daily Crypto Report

Play Episode Listen Later May 8, 2024 5:03


Today's blockchain and cryptocurrency news Bitcoin is down slightly at $62,268 Eth is down slightly at $2,991 Binance Coin, is up slightly at $585. DJT spends day off of trial dining with NFT buyers. FTX to reimburse holders at 118% US authorities unseal indictment against LockBit founder. Gronk to pay fine over Voyager association. Ark offloads more COIN. Learn more about your ad choices. Visit megaphone.fm/adchoices

Late Confirmation by CoinDesk
COINDESK DAILY: Will All FTX Creditors Get Their Funds Back in Cash? Gronk to Pay $1.9M for Crypto Investor Suit

Late Confirmation by CoinDesk

Play Episode Listen Later May 8, 2024 1:27


Host Jennifer Sanasie breaks down the latest news in the crypto industry from FTX's new plan to repay creditors to Rob Gronkowski's $1.9 million settlement.To get the show every day, follow the podcast here."CoinDesk Daily" host Jennifer Sanasie breaks down the biggest headlines impacting the crypto industry today, as bankrupt exchange FTX has proposed a new reorganization plan that would see a whopping 98% of its creditors get back 118% of their claims in cash. Plus, NFL legend Rob Gronkowski will pay $1.9 million to settle claims brought by former customers of Voyager Digital. And, U.K. Economic Secretary speaks up about stablecoin and staking legislation.-Consensus is where experts convene to talk about the ideas shaping our digital future. Join developers, investors, founders, brands, policymakers and more in Austin, Texas from May 29-31. The tenth annual Consensus is curated by CoinDesk to feature the industry's most sought-after speakers, unparalleled networking opportunities and unforgettable experiences. Register now at consensus.coindesk.com.-This episode was hosted by Jennifer Sanasie. “First Mover” is produced by Jennifer Sanasie and Melissa Montañez and edited by Victor Chen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Legal AF by MeidasTouch
Rudy SCREWS HIMSELF and Loses EVERYTHING

Legal AF by MeidasTouch

Play Episode Listen Later May 3, 2024 16:43


Rudy Giulani just BLEW HIS BANKRUPTCY COURT MONTHLY LIVING EXPENSES budget by 80,000, leaving his CREDITORS like Georgia election workers Shay Moss and Ruby Freeman holding the bag with their UNPAID $148 million defamation judgment against him. Michael Popok breaks down the bankruptcy law and what will happen next in Court with a Giulani who could end up with 100 percent of his assets being sold. Go to http://mackweldon.com/?utm_source=streaming&utm_medium=podcast&utm_campaign=podcastlaunch&utm_content=LEGALAFutm_term=LEGALAF and get 20% off your first order with promo code LEGALAF Visit https://meidastouch.com for more! Join us on Patreon: https://patreon.com/legalaf Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown Lights On with Jessica Denson: https://www.meidastouch.com/tag/lights-on-with-jessica-denson On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Learn more about your ad choices. Visit megaphone.fm/adchoices

The Aaron Abke Podcast
You are the CREDITOR Not the Debtor | Lifting the Veil on Economic Slavery | Almost 30 Podcast

The Aaron Abke Podcast

Play Episode Listen Later Apr 30, 2024 26:12


Marketplace All-in-One
Creditors file to liquidate China’s largest property developer

Marketplace All-in-One

Play Episode Listen Later Feb 28, 2024 7:53


A petition to liquidate has been filed in Hong Kong's High Court against China’s biggest private property developer, Country Garden. Then, South Korea has reported a record-low birth rate despite spending billions to encourage women to have more children. And more than 6,000,000 people visit the Sistine Chapel each year, but big numbers could cause damage to the frescos. We’ll hear about the Vatican’s team of experts who monitor conditions in the chapel.

Marketplace Morning Report
Creditors file to liquidate China’s largest property developer

Marketplace Morning Report

Play Episode Listen Later Feb 28, 2024 7:53


A petition to liquidate has been filed in Hong Kong's High Court against China’s biggest private property developer, Country Garden. Then, South Korea has reported a record-low birth rate despite spending billions to encourage women to have more children. And more than 6,000,000 people visit the Sistine Chapel each year, but big numbers could cause damage to the frescos. We’ll hear about the Vatican’s team of experts who monitor conditions in the chapel.

The Jesse Kelly Show
Hour 2: Our Creditors

The Jesse Kelly Show

Play Episode Listen Later Feb 24, 2024 37:44 Transcription Available


Who exactly owns the US debt? Can we just conquer the people who we owe money to?Getting involved at the local level will leave you disappointed but don't give up. If you make your state more red you will force the commies to flee. Who has the best gas stations?See omnystudio.com/listener for privacy information.

The Daily Beans
Sawdust (feat. Alex Mohajer)

The Daily Beans

Play Episode Listen Later Feb 21, 2024 48:38


Wednesday, February 21st, 2024Today, Nikki Haley did NOT drop out of the presidential race; Hunter Biden's prosecutor tries to pass off a photo of sawdust as cocaine; a winery host backs up Fani Willis' testimony; Rep. Tim Burchett wrongly calls one of the Kansas City shooters an illegal immigrant; a judge demands Rudy Giuliani reveal who's paying his legal fees; President Biden will announce a major Russian sanctions package in response to the assassination of Alexei Navalny; two men are charged with murder in the Super Bowl parade shooting. Plus, Allison and Dana deliver your good news.Our GuestAlex Mohajer - Candidate for CA State Senate District 37https://alexmohajer.com/https://twitter.com/alexmohajerDA Fani Willis testified she paid cash during trips with top prosecutor. One winery host remembers her paying in paper billshttps://www.cnn.com/2024/02/20/politics/willis-wade-cash-payment-napa-valley-winery/index.htmlBankrupt Giuliani's legal woes escalate as judge demands to know 'who's paying his legal fees'https://www.alternet.org/bankrupt-giuliani-s-legal-and-financial-woes-are-going-from-bad-to-worse-2667322021GOP Rep Deletes Post Falsely Accusing ‘Illegal Alien' of Parade Shootinghttps://www.thedailybeast.com/gop-rep-tim-burchett-deletes-tweet-falsely-accusing-illegal-alien-of-kansas-city-shootingUS to impose 'major sanctions' on Russia over Navalny death​​https://www.reuters.com/world/us-announce-major-sanctions-package-friday-over-navalny-death-2024-02-20Subscribe to Lawyers, Guns, And MoneyAd-free premium feed: https://lawyersgunsandmoney.supercast.comSubscribe for free everywhere else:https://lawyersgunsandmoney.simplecast.com/episodes/1-miami-1985Check out other MSW Media podcastshttps://mswmedia.com/shows/Follow AG and Dana on Social MediaDr. Allison Gill Follow Mueller, She Wrote on Posthttps://post.news/@/MuellerSheWrote?utm_source=TwitterAG&utm_medium=creator_organic&utm_campaign=muellershewrote&utm_content=FollowMehttps://twitter.com/MuellerSheWrotehttps://www.threads.net/@muellershewrotehttps://www.tiktok.com/@muellershewrotehttps://instagram.com/muellershewroteDana Goldberghttps://twitter.com/DGComedyhttps://www.instagram.com/dgcomedyhttps://www.facebook.com/dgcomedyhttps://danagoldberg.comHave some good news; a confession; or a correction?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/From The Good NewsMontana Family ASLhttps://www.montanafamilyasl.org/shop Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/OrPatreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

Daily Crypto Report
"FTX creditors file class action suit against law firm overseeing estate" Feb 17, 2024

Daily Crypto Report

Play Episode Listen Later Feb 17, 2024 4:25


Today's blockchain and cryptocurrency news Bitcoin is up slightly at $51,725 Eth is up slightly at $2,784 BNB is up slightly at $358 FTX creditors file class action suit against law firm overseeing estate Yuga Labs acquires Proof Pudgy Penguins flips BAYC Learn more about your ad choices. Visit megaphone.fm/adchoices

Techmeme Ride Home
Thu. 02/01 – A Tech Regulation Tipping Point?

Techmeme Ride Home

Play Episode Listen Later Feb 1, 2024 16:29


Why I think yesterday's Congressional hearings might actually be a tipping point for tech regulation. What would a Kids Online Safety Act actually mean? More proof of YouTube's dominance. Celsius and FTX customers are about to get some money back. And Google's new text to image AI processor.Sponsors:Kolide.com/rideLinks:Microsoft, X throw their weight behind KOSA, the controversial kids online safety bill (TechCrunch)Americans' Social Media Use (Pew Research Center)Celsius to Distribute $3B Crypto to Creditors as Firm Emerges From Bankruptcy (CoinDesk)Google launches an AI-powered image generator (TechCrunch)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

BardsFM
Ep2739_BardsFM - We Are The Creditors

BardsFM

Play Episode Listen Later Jan 19, 2024 67:19


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