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[16] "Compulsive debting" is a neologism described variously in DA literature as a disorder, [17] progressive illness, [18] [19] and a disease. [17] As such, "compulsive debting" cannot be cured, although it can be arrested. [20] Compulsive debtors are those who cannot control their debt, [18] as a consequence their debt causes growing and ...
Underearners Anonymous (UA) is a twelve-step program founded in 2005 for men and women who have come together to overcome what they call "underearning". Underearning is not just the inability to provide for oneself monetarily including the inability to provide for one's needs presently and in the future but also the general inability to express one's capabilities and competencies.
Compulsive spending can result in mounting debts, financial instability, and a negative impact on one's overall financial well-being. Treatment aims to help individuals regain control over their spending impulses, and explore the underlying emotional and psychological factors that drive compulsive spending.
Kleptomania is the inability to resist the urge to steal items, usually for reasons other than personal use or financial gain. First described in 1816, kleptomania is classified in psychiatry as an impulse control disorder. [2]
Shopping addiction is characterized by an eagerness to purchase unnecessary or superfluous things and a lack of impulse control when it comes to shopping. It is a concept similar to compulsive buying disorder (oniomania), but usually has a more psychosocial perspective, [1] or is viewed as a drug-free addiction like addiction to gambling, Internet, or video games. [2]
This is an accepted version of this page This is the latest accepted revision, reviewed on 30 January 2025. Repetitive gambling despite demonstrable harm and adverse consequences Medical condition Problem gambling Other names Ludopathy, ludomania, degenerate gambling, gambling addiction, compulsive gambling, gambling disorder Specialty Psychiatry, clinical psychology Symptoms Spending a lot of ...
The debt service coverage ratio is the ratio of income available to the amount of debt service due (including both interest and principal amortization, if any). The higher the debt service coverage ratio, the more income is available to pay debt service, and the easier and lower-cost it will be for a borrower to obtain financing.
Some agencies offer a flat fee "pre-collection" or "soft collection" service. The service sends a series of increasingly urgent letters, usually ten days apart, instructing debtors to pay the amount owed directly to the creditor or risk a collection action and subsequent negative credit report.