38723--3/24/2006--FIRST_FRANKLIN_FINANCIAL_CORP

related topics
{debt, indebtedness, cash}
{regulation, government, change}
{capital, credit, financial}
{financial, litigation, operation}
{investment, property, distribution}
Because we require a substantial amount of cash to service our debt, we may not be able to pay all of the obligations under our indebtedness. Because we depend on liquidity to operate our business, a decrease in the sale of our debt securities or an increase in requests for their redemption may make it more difficult for us to pay our obligations in a timely manner. All of our offers and sales of securities must comply with applicable securities laws, or we could be liable for damages, which could impact our ability to make payments on our outstanding debt securities. We depend on funds from our credit facility to meet our obligations and fund a portion of our general operations. If we are unable to continue to borrow under this credit facility, we may not be able to pay our obligations. Because our liquidity also depends on receivables collections, if our collections are reduced, it may make it more difficult for us to pay our obligations. An increase in the interest we pay on our debt and borrowings can materially and adversely affect our net interest margin. Neither the Company nor any of its debt securities are or will be rated by any nationally recognized statistical rating agency, and this may increase the risk of your investment. Consumer finance companies such as the Company are subject to an increasing number of laws and government regulations, and if we fail to comply with these laws or regulations, our business may suffer and our ability to pay our obligations may be impaired. If we experience unfavorable litigation results, our ability to pay our obligations may be impaired. We are spending significant time and expense in order to comply with various provisions of the Sarbanes-Oxley Act, and this may reduce the resources we have available to focus on our core business.

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