Counseling Debt Settlement

In the following pages, I have tried to combine a narrative introduction to early American history with the findings of recent scholarship. My debts to the writings of others are therefore many, as my bibliography acknowledges. This testifies to the variety and vitality of American scholarship concerned with the colonial period.

Debunking the common perception that immigrants are admitted into a new country because of the host country's generosity and willingness to provide refuge and security, this collection of immigrant case studies suggests that immigrants are admitted to serve a host country's economic interests or to make good on a national debt. The firsthand experiences of Ghanaian women, migrant sex-workers, foreign-trained professionals, and Canadian aid workers reveal that the host country often reaps benefits from immigration. The impact of policies and regulations on real people are thoughtfully explored in this biting indictment of the selfish motivations that power admittance and rejection cater to in the immigration process.

Subordinated (debt) - Subordinated debt, also known as junior debt, is a finance term to describe debt that is unsecured or has a lesser priority than that of an additional debt claim on the same asset. This means that if the party that issued the debt defaults on it, people holding subordinated debt get paid after the holders of the "senior debt," and hence is more risky.

Legal tender - Legal tender or forced tender is payment that cannot be refused in settlement of a debt denominated in the same currency by virtue of law.

CGO - The CGO or Central Gilts Office, was established in 1986 by the Bank of England and the London Stock Exchange for the settlement of gilts and certain non-British government debt instruments. It was operated by the Bank of England.

Settlement offer - A settlement offer or offer to settle is a term used in a civil lawsuit to describe a communication from one party to the other suggesting a settlement - an agreement to end the lawsuit before a judgment is rendered. Attorneys typically negotiate terms of a settlement on behalf of their clients, so a settlement offer is usually conveyed by one party's attorney directly to the other party's attorney.

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