In finance, unsecured debt refers to any type of debt or general obligation that is not protected by a guarantor, or collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment. Unsecured debts are sometimes called signature debt or personal loans. These differ from secured debt such as a mortgage, which is backed by a piece of real estate.
A credit history is a record of a borrower's responsible repayment of debts. A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency.
A credit limit is the maximum amount of credit that a financial institution or other lender will extend to a debtor for a particular line of credit.
A credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, Special Accessing Entity in the Philippines, and also to private lenders. It is not the same as a credit rating agency.
Comic Book Confidential is an American/Canadian documentary film, released in 1988. Directed by Ron Mann and written by Mann and Charley Lippincott, the film is a survey of the history of the comic book medium in the United States from the 1930s to the 1980s, as an art form and in social context.
Participant Media, LLC is an American film production company founded in 2004 by Jeffrey Skoll, dedicated to entertainment intended to spur social change. The company finances and co-produces film and television content, as well as digital entertainment through its subsidiary SoulPancake, which the company acquired in 2016.
A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report, information typically sourced from credit bureaus.
Debt settlement is a settlement negotiated with a debtor's unsecured creditor. Commonly, creditors agree to forgive a large part of the debt: perhaps around half, though results can vary widely. When settlements are finalized, the terms are put in writing. It is common that the debtor makes one lump-sum payment in exchange for the creditor agreeing that the debt is now cancelled and the matter closed. Some settlements are paid out over a number of months. In either case, as long as the debtor does what is agreed in the negotiation, no outstanding debt will appear on the former debtor's credit report.
Chris Barrett is an American Internet entrepreneur, film director, spokesperson, and author who is featured in the 2004 Sundance award winning documentary The Corporation and its 2020 sequel The New Corporation: The Unfortunately Necessary Sequel.
A secured loan is a loan in which the borrower pledges some asset as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan. The debt is thus secured against the collateral, and if the borrower defaults, the creditor takes possession of the asset used as collateral and may sell it to regain some or all of the amount originally loaned to the borrower. An example is the foreclosure of a home. From the creditor's perspective, that is a category of debt in which a lender has been granted a portion of the bundle of rights to specified property. If the sale of the collateral does not raise enough money to pay off the debt, the creditor can often obtain a deficiency judgment against the borrower for the remaining amount.
A debt buyer is a company, sometimes a collection agency, a private debt collection law firm, or a private investor, that purchases delinquent or charged-off debts from a creditor or lender for a percentage of the face value of the debt based on the potential collectibility of the accounts. The debt buyer can then collect on its own, utilize the services of a third-party collection agency, repackage and resell portions of the purchased portfolio, or use any combination of these options.
Redacted is a 2007 American war film written and directed by Brian De Palma. It is a fictional dramatization, loosely based on the 2006 Mahmudiyah killings in Mahmoudiyah, Iraq, when U.S. Army soldiers raped an Iraqi girl and murdered her along with her family. This film, which is a companion piece to an earlier film by De Palma, Casualties of War (1989), was shot in Jordan.
James Duncan Scurlock is an American director, producer, writer and financial adviser. He is probably best known for his documentary Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders and his book, Maxed Out: Hard Times in the Age of Easy Credit. His most recent book, King Larry: The Life and Ruins of a Billionaire Genius, is a biography of Larry Hillblom.
Payback: Debt and the Shadow Side of Wealth is a non-fiction book written by Margaret Atwood, about the nature of debt, for the 2008 Massey Lectures. Each of the book's five chapters was delivered as a one-hour lecture in a different Canadian city, beginning in St. John's, Newfoundland, on October 12 and ending in Toronto on November 1. The lectures were broadcast on CBC Radio One's Ideas November 10–14. The book was published by House of Anansi Press, both in paperback and in a limited edition hardcover.
Countdown to Zero is a 2010 documentary film by British filmmaker Lucy Walker. The film argues that the likelihood of the use of nuclear weapons has increased since the end of the Cold War due to terrorism, nuclear proliferation, theft of nuclear materials and weapons, and other factors.
Jeff Steele is an American entertainment industry executive. He is founder and chief executive officer of the media finance company Film Closings Inc., and is publisher of the film finance blog, FilmClosings; he is a frequent contributor to The Huffington Post and The Wrap.
Michael Hudson is a Pulitzer Prize-winning American investigative journalist. He is currently head of investigations at the Guardian US.
Voices of Iraq is a 2004 documentary film about Iraq, created by distributing cameras to the subjects of a film, thus enabling subjects to film themselves. To preserve its innovative filmmaking, Voices of Iraq was added to the permanent collection of Motion Picture Academy of Arts and Sciences.
Danny Says is a 2015 documentary film on the life and times of Danny Fields. The film is directed by Brendan Toller and produced by Pamela Lubell. Magnolia Pictures acquired the worldwide rights in January 2016.
Giant Pictures is an American film distribution company founded by Nick Savva and Jeff Stabenau with offices in New York City and Los Angeles. The company releases feature films, documentaries and series on streaming platforms, with an emphasis on flexibility and customization for filmmakers. Since 2022 the company has owned and operated the Drafthouse Films label.
