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Obligation of repayment without a collateral
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
Unsecured_debt
Type of obligation to pay money
obligations of the borrower. Second lien loans differ from both unsecured debt and subordinated debt. In the event of a bankruptcy or liquidation, the assets
Second_lien_loan
Shares into which ownership of the corporation is divided
of assets (after discharge of all senior claims such as secured and unsecured debt), or voting power, often dividing these up in proportion to the number
Stock
Obligation to pay borrowed money
assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse
Debt
Debt that takes priority over other debts owed
finance, senior debt is debt that takes priority over other unsecured or otherwise more "junior" debt owed by an issuer. Senior debt is frequently issued
Senior_debt
Section of the United States Bankruptcy Code
his or her unsecured debt such as credit cards and personal loans. A chapter 13 plan may provide for the four general categories of debt: priority claims
Chapter 13, Title 11, United States Code
Chapter_13,_Title_11,_United_States_Code
Tradable financial asset
protected by collateral or may be unsecured, and, if they are unsecured, may be contractually "senior" to other unsecured debt meaning their holders would have
Security_(finance)
Type of loan with collateral pledged
secured debt/loan is unsecured debt, which is not connected to any specific piece of property. Instead, the creditor may satisfy the debt only against the
Secured_loan
Twelve-step program
A.) is a twelve-step program for people who want to stop incurring unsecured debt. Collectively they attend more than 500 weekly meetings in fifteen countries
Debtors_Anonymous
Form of debt refinancing
generally paid periodically at intervals, such as monthly. Debt can be secured with collateral or unsecured. Although there is variation from country to country
Debt_consolidation
Pursuit of debt payments owed by an individual or business
involved in the debt, such as with a mortgage, the creditor could take the property in order to indemnify themselves. However, for unsecured debt, creditors
Debt_collection
Settlement negotiated with a debtor's unsecured creditor
Debt settlement (also called debt reduction, debt negotiation or debt resolution) is a settlement negotiated with a debtor's unsecured creditor. Commonly
Debt_settlement
Form of consumer debt
card debts more difficult. Once a debt is handed to a collection agency, the agency will attempt to recover the customer's unsecured debt. If a debt-collection
Credit_card_debt
off the debts, putting the unsecured creditor with a matured liability to the debtor in a pre-preferential position. "Definition: unsecured creditor"
Unsecured_creditor
Total assets minus total outside liabilities of an individual or a company
vehicles. Liabilities include both secured debt (such as a home mortgage) and unsecured debt (such as consumer debt or personal loans). Typically intangible
Net_worth
American bank holding company (1889–2008)
held on June 30, 2008). The FDIC sold the banking subsidiaries (minus unsecured debt and equity claims) to JPMorgan Chase for $1.9 billion, which had been
Washington_Mutual
of individuals addressing high consumer debt. Debt management plans help reduce outstanding, unsecured debts over time to help the debtor regain control
Debt_management_plan
American hedge fund and financial services provider
subprime mortgages, collateralized debt obligations (CDOs), and second lien loans, as well as 12.5% senior unsecured notes, and 84,687,686 shares of common
Citadel_LLC
Instrument of indebtedness
of security under which the issuer (debtor) owes the holder (creditor) a debt, and is obliged – depending on the terms – to provide cash flow to the creditor;
Bond_(finance)
Partial or total forgiveness of debt
was not until Q3 of 2012 that unsecured personal debt reached this level again. Since that time, unsecured personal debt has risen steadily to $3.76 trillion
Debt_relief
were debt securities offered by Merrill Lynch from 2010 to 2012 and due in 2013 that were linked to gold spot prices. ARNs are senior, unsecured debt securities
Accelerated_Return_Note
Lending of money
Credit Act 1974. Interest rates on unsecured loans are nearly always higher than for secured loans because an unsecured lender's options for recourse against
Loan
Debt so large that even positive investments go to debtholders
will have to be extremely large to correct the problems of debt overhang and unsecured debt and preferred stock holders may have to bear some losses. Interviews
Debt_overhang
Process to help debtors
In debt consolidation, one new loan replaces multiple unsecured credit debts. The debt snowball method is a budgeting approach that addresses debt systematically
Credit_counseling
1975 SEC regulation governing securities pricing; noted for a 2004 amendment
against most of its unsecured indebtedness. The "liquid assets" serve as the "cushion" to cover full repayment of that unsecured debt. The Alternative Method
Net_capital_rule
Card for financial transactions on credit
history of delinquency with various forms of debt—secured cards are almost always more expensive than unsecured credit cards. Sometimes a credit card will
Credit_card
Unit of equity ownership in the capital stock of a corporation
Tranche Collateralized debt obligation Collateralized fund obligation Collateralized mortgage obligation Credit-linked note Unsecured debt Derivatives Forward
Share_(finance)
FDIC program enacted in aftermath of the 2008 financial crisis
primary components: the Debt Guarantee Program, by which the FDIC guaranteed the payment of certain newly issued senior unsecured debt, and the Transaction
Temporary Liquidity Guarantee Program
Temporary_Liquidity_Guarantee_Program
Umbrella term for ETFs, ETNs and related exchange-traded investment products
end-of-day net asset value (NAV). An exchange-traded note (ETN) is an unsecured debt obligation, typically issued by a bank or other financial institution
Exchange-traded_product
UAE healthcare chain and distribution business
Standard Chartered Sell About $370M of NMC Debt; HSBC Sells $20M Block of AFF Above Par; Unsecured Debt Trades in Teens to Low 20s Range". Reorg. 2021-04-01
NMC_Health
Interest rate benchmark
benchmark credit spread that captures the recent cost of wholesale, unsecured debt funding for publicly listed US bank holding companies and commercial
Libor
Debt incurred by individuals due to health care costs
lists in Canada. Medical debt is considered as a non-priority unsecured debt in Chapter 7 bankruptcy. In other words, medical debts are paid only after assets
Medical_debt
Legal terminology
landowners from unsecured creditors. In 1732, the Parliament of Great Britain passed legislation entitled “The Act for the More Easy Recovery of Debts in His Majesty’s
Alienation_(property_law)
Section of United States federal statute
creditors. Many types of unsecured debt are legally discharged by the bankruptcy proceeding, but there are various types of debt that are not discharged
Chapter 7, Title 11, United States Code
Chapter_7,_Title_11,_United_States_Code
American multinational technology company
assets were valued at $41 billion as compared to only $8.5 billion in unsecured debt. Consequently, in February 2011 Microsoft released a corporate bond
Microsoft
Term for a functioning business
discussion at Types of Default. This can mean unused lines of credit and Unsecured debt facilities dry up. Going concern status may become a self fulfilling
Going_concern
Aspect of finance
than secured debt or senior debt. The higher cost of capital associated with mezzanine financings is the result of it being an unsecured, subordinated
Mezzanine_capital
Selling unowned financial securities
on the proceeds of the short sale or use it to reduce outstanding margin debt. These brokers may not pass this benefit on to the retail client unless the
Short_(finance)
Type of asset-backed security
structured as real estate mortgage investment conduits) and collateralized debt obligations (CDOs). In the U.S. the MBS market has more than $11 trillion
Mortgage-backed_security
Student debt collection service based in Wilmington, Delaware
continue to be downgraded. In 2014, Moody's downgraded Navient's senior unsecured debt and corporate family ratings to Ba3 because of loss of earnings, cash
Navient
Short-term investment instrument
A variable rate debt obligation (VRDO) is a tax-exempt short-term investment instrument based on long-term municipal bonds. The total value of outstanding
Variable_rate_debt_obligation
Renegotiating a debt
stop paying money to their unsecured creditors while the proposal is being reviewed. A Division 1 Proposal to restructure debts must secure 66% of the creditors'
Debt_restructuring
Pre-packaged investment strategy
structured products may include: Credit risk – structured products are unsecured debt from investment banks Lack of liquidity – structured products are primarily
Structured_product
American publisher of textbooks
with its unsecured-debt holders that would lead to the conversion of the debt into equity. The news story reported that the unsecured debt holders would
Houghton_Mifflin_Harcourt
Entity whose failure may trigger a crisis
contingent convertible debt, (CoCos), should be used by all banks rated SIFI, to replace non-deposit existing unsecured debt. "ERNs would be long-term
Systemically important financial institution
Systemically_important_financial_institution
Financial product
subordinated debts are only repayable after other debts have been paid, they are riskier for the lender of the money. The debts may be secured or unsecured. Subordinated
Subordinated_debt
Most populous city in Michigan, United States
June 14 that Detroit would default on approximately $2.5 billion in unsecured debt and skipped a $39.7 million interest payment. On July 18, 2013, Detroit
Detroit
Contract not made under seal
century, debtors used simple contracts as one of three accepted forms of unsecured debt instruments. In 1828, the Parliament of the United Kingdom amended the
Simple_contract
Process following Argentina's Great Depression
The Argentine debt restructuring is a process of debt restructuring by Argentina that began on January 14, 2005, and allowed it to resume payment on 76%
Argentine_debt_restructuring
Debt secured without personal liability
position between those of a full recourse secured loan and a totally unsecured loan. While the borrower is in first loss position, the lender also assumes
Nonrecourse_debt
Loan intended for business purposes
unsecured. With a secured loan, the borrower pledges an asset (such as property, plant, equipment, stock or vehicles) against the debt. If the debt is
Business_loan
include both unsecured debt and secured debts. Eligibility criteria for a debtor include: The debtor is insolvent, that is they cannot pay debts in full when
Personal Insolvency Arrangement
Personal_Insolvency_Arrangement
Kind of debt note
the beginnings, most of the issues were fixed rate, noncallable and unsecured debt of maturity shorter than 5 years. Throughout the years, due to specific
Medium_term_note
Program and organization for underachieving
unsecured borrowing. However, UA also believes that a healthy relationship with money requires more than just recovery from "incurring unsecured debt
Underearners_Anonymous
Post-2008 Irish economic downturn
jurisdiction), interbank deposits, senior unsecured debt, asset covered securities, and dated subordinated debt. On 20 October 2008, the Governing Council
Post-2008 Irish banking crisis
Post-2008_Irish_banking_crisis
Acute shortage of liquidity
collateral requirements, compared to periods of ample liquidity, and unsecured debt is nearly impossible to obtain. Typically, during a liquidity crisis
Liquidity_crisis
Major League Baseball franchise in Arlington, Texas
had an estimated debt of $575 million. Much of the unsecured debt was owed in back salary. Alex Rodriguez topped the list of unsecured creditors, with
Texas_Rangers_(baseball)
2005 American bill
amount of debt, or (2) the debtor has at least $109.59 of such income ($6,575 over five years) and this sum would be enough to pay general unsecured creditors
Bankruptcy Abuse Prevention and Consumer Protection Act
Bankruptcy_Abuse_Prevention_and_Consumer_Protection_Act
Mortgage lending concept
poor Unsecured debt – Obligation of repayment without a collateral Unsecured guarantor loan – Loan in which a party agrees to repay the borrower's debt if
No_income,_no_asset
Short-term unsecured loan
A payday loan is a short-term unsecured loan, often characterized by high interest rates. These loans are typically designed to cover immediate financial
Payday_loan
Security that entitles the holder to buy stock
Tranche Collateralized debt obligation Collateralized fund obligation Collateralized mortgage obligation Credit-linked note Unsecured debt Derivatives Forward
Warrant_(finance)
1990 United States Supreme Court case
Code in the Bankruptcy Court, listing the restitution obligation as an unsecured debt. After the probation department commenced a probation violation proceeding
Pennsylvania Department of Public Welfare v. Davenport
Pennsylvania_Department_of_Public_Welfare_v._Davenport
Football stadium in Oxford, United Kingdom
having had their debt settled by a Company Voluntary Arrangement, by which Firoz Kassam reduced most of the football club's unsecured debt by 90 per cent
Kassam_Stadium
Legal process where a lender recoups an unpaid loan
this will become an unsecured debt and the mortgage company will be treated on an equitable basis with the debtor's other unsecured creditors (particularly
Foreclosure
Prepaid-stored-value money card
issuing retailer, the outstanding value on gift cards is considered unsecured debt, so the gift cards may become valueless. If the company intends to continue
Gift_card
Management of an enterprise's holdings and liquidity to mitigate risk
funding (its liabilities) through customer deposits and issuing senior unsecured debt, often bonds, in the wholesale market, and in turn deploys these funds
Treasury_management
When a sovereign entity fails to pay its debts
failure or refusal of the government of a sovereign state to pay back its debt in full when due. Cessation of due payments (or receivables) may either be
Sovereign_default
dependent and credit-card payments (disallowed since they represent unsecured debt). The number of months over which disposable income must be calculated
Offer_in_compromise
Paper money issued by a bank
of law are required to recognize them as satisfactory payment of money debts. Historically, banks sought to ensure that they could always pay customers
Banknote
Midstream oil and gas company
4 billion in 2020. As of August 2023, Plains All American's senior unsecured debt was rated Baa3 by Moody's Investors Service, and BBB− by Fitch Ratings
Plains_All_American_Pipeline
Sports broadcasting brand
broadcaster had outstanding bank loans of £261m STG and unsecured debt of £288m STG. Deloitte said that unsecured lenders received just 2p for every pound that
Setanta_Sports
US government agency providing deposit insurance
Temporary Liquidity Guarantee Program that guaranteed deposits and unsecured debt instruments used for day-to-day payments. To promote depositor confidence
Federal Deposit Insurance Corporation
Federal_Deposit_Insurance_Corporation
Economic issue of securities
nears default, and launches an exchange offer in an attempt to restructure debt held by existing bond holders. Such exchange offers typically require the
Holdout_problem
with its unsecured-debt holders that would lead to the conversion of the debt into equity. The news story reported that the unsecured debt holders would
EMPG
Loan in which a party agrees to repay the borrower's debt if they default
type of unsecured loan that requires a guarantor to co-sign the credit agreement. A guarantor is a person who agrees to repay the borrower's debt should
Unsecured_guarantor_loan
Company that owns income-producing real estate
raised $37.5 billion in 91 secondary equity offerings, nine IPOs and 37 unsecured debt offerings as investors continued to act favorably to companies strengthening
Real_estate_investment_trust
Defunct Irish aircraft lessor
low price. GPA used the cash from this transaction to repay all its unsecured debt. Chairman and chief executive Tony Ryan transferred to GECAS. He was
Guinness_Peat_Aviation
Regional development bank in Asia-Pacific
Moody's Investors Service assigned a credit rating of AAA to its senior unsecured debt as of April 2025. It also relies on the contributions of member countries
Asian_Development_Bank
US law creating the Troubled Asset Relief Program (TARP)
announced a new program on October 14, under which newly issued senior unsecured debt issued on or before June 30, 2009, would be fully protected in the event
Emergency Economic Stabilization Act of 2008
Emergency_Economic_Stabilization_Act_of_2008
Type of mortgage-backed security
Residential mortgage-backed security Fixed income securities Structured finance Debt service coverage ratio Lemke, Lins and Picard, Mortgage-Backed Securities
Commercial mortgage-backed security
Commercial_mortgage-backed_security
British peer and missing murder suspect
August 1975 his creditors were informed that the missing Earl had unsecured debts of £45,000 and preferential liabilities for £1,326. His assets were
John Bingham, 7th Earl of Lucan
John_Bingham,_7th_Earl_of_Lucan
undertake a procedure. Depending on the person's level of debt and type of debt (secured / unsecured), Insolvency Service of Ireland's three proposed mechanisms
Insolvency_in_Ireland
Budgeting and expenses
the debt will be repaid in the future, often with interest and or fees. Credit can be acquired through a variety of means, including unsecured debts such
Personal_finance
American department store holding company
bound them to repay their outstanding balances instead of having the unsecured debt discharge via the filing of bankruptcy. Federated failed to file reaffirmation
Macy's,_Inc.
Publicly-traded utility based in Portland, Oregon
follows: first mortgage bonds and secured medium-term notes at 'A'; senior unsecured debt, convertible debentures and preferred stock at 'A−'; and commercial
NW_Natural
Form of debt relief for individuals
to a trustee in bankruptcy in exchange for the elimination of their unsecured debts. The rules for filing personal bankruptcy in each province and territory
Personal_bankruptcy
British cable and telecommunications company
call. In September 2003, Telewest restructured itself, by swapping its unsecured debt for 98.5% of its shares. The London Stock Exchange then delisted the
Telewest
Legal status for relief from debts
distributes the proceeds to the debtor's unsecured creditors. In exchange, the debtor is entitled to a discharge of some debt. However, the debtor is not granted
Bankruptcy
Finance and technology company
in 2022. The Aven Home Card is backed by a HELOC, as opposed to the unsecured debt of a traditional credit card. It combines the low rates of a HELOC with
Aven_(finance_company)
Australian banking company
to initiate an ASX-listed debt transaction. Heritage raised $50 million from the issue of 500,000 subordinated, unsecured debt securities. The demand for
Heritage_Bank
Aircraft leasing company
billion. In April 2019, Avolon raised an additional US$2.5 billion in unsecured debt, which contributed to the company securing an investment-grade credit
Avolon
American commercial bank
role was not to protect Silicon Valley Bank shareholders and certain unsecured debt holders. Regulatory filings from December 2022 estimated that more than
Silicon_Valley_Bank
Financial term for the trust between parties in transactions with a deferred payment
private credit created by banks; unsecured (non-collateralized) credit such as consumer credit cards and small unsecured loans, and secured (collateralized)
Credit
Overview of finance and finance-related topics
individual consumers Debt consolidation – Form of debt refinancing Debt settlement – Settlement negotiated with a debtor's unsecured creditor Credit counseling –
Outline_of_finance
segment of the German bond market after public sector bonds and unsecured bank debt. A survey of European Pfandbrief-like products was issued in 2005
Pfandbrief
Financial engineering practice
meaning their credit quality is increased above that of the originator's unsecured debt or underlying asset pool. This increases the likelihood that the investors
Securitization
Person or organization that has a claim on the services of another party
repayment of the debt owed to him. This could be by way of, for example, a mortgage, where the property represents the security. An unsecured creditor does
Creditor
Financial failure to meet legal conditions of a loan
insolvent or in default. Default can be of two types: debt services default and technical default. Debt service default occurs when the borrower has not made
Default_(finance)
Promise by one party in finance
guarantor liable for only a portion or all of the debt. There are two main types: Guarantor mortgages Unsecured guarantor loan In residential leasing, a rental
Loan_guarantee
John Stonestreet (December 1, 2008). "Redstone sells Midway Games to ease debt: report". Reuters. Archived from the original on December 21, 2008. Retrieved
2008_in_video_games
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