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Personal and Payday Loans

~1800 answered questions
Parent Category: Loans
Loans made between individuals and paycheck advances from specialized institutions at very high interest rates
If you can't get it to start with a good battery and you can't see any bad wires, etc. - you need to remove it and take it to a parts store to be checked. (it probably makes sense to just replace it while it's off.)   at $200.00 for the starter i would make real sure you need one   als…
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No matter whether it is holiday or simple working day, whether you are woman or man you need to track your finances. It is vital in order not to get into deep challenges. It is very important to be attentive to the credit score and to regularly check the report. It is really easy to take a report fr…
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%DETAILS% Answer This is certainly something that can be negotiated with a dealer. It will depend on how much equity you have in the deal, how much money you may be borrowing on your new vehicle, etc. But if you make a it a condition of the deal, yes, it can be done under the right circumstan…
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First, READ your CONTRACT. See any violations? then read the top of the page where you posted and put your state in your message. Then you can get state specific info. sorri, I can't read minds.PS, how do you KNOW they didnt contact the co-signor? Maybe the co-signor told them where you were??
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Most likely, no, but it all depends on the credit history. In order to get a lease on a new car one needs to have a pretty well established credit history. If you've had a credit card for a while and/or a cellphone and made paymens on time and in full and if you have a checking and saving (especiall…
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Well, don't quote me on this but logic would lead one to believe that technically the lender would have a lien against the car, so, in the event of non-payment they would sell your car and return to you all monies, if any, above and beyond the balance and costs. .
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Answer [From Administration for Children and Families] The Department of Housing and Urban Development (HUD)visit HUD online for information on how to apply for government assistance. And in some States and communities, the State or local welfare office may also provide assistance …
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There is not enough credit history for the lender to make a decision. The credit file is a history and if it doesn't go back far enough, or have enough accounts on it, they can't make an informed decision. To solve try to get small things that will appear on your credit, possibly a card with a 500 …
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You will need to get a judgment in court for the bureaus to even begin to possibly care.
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Answer If you get a loan, pay off credit cards and keep the loan payments current until it is paid off. Your CR will be pretty darn good.
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Absolutely not. Call your state's banking commissioner, attorney general, better business bureau, or even the police.   First and foremost ORIGINAL creditors actions are controlled by state statutes. They do not have to abide by FDCPA. Although the majority of lenders will stop calling you at…
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The requirements needed to begin building a credit record would depend on each lender you applied with. Having a co-signed personal loan is one method, and this might work for you. Opening up a secured credit card is another option. Another great way to open an account is to purchase a vehicle. Car …
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In general, any lender can file suit, be granted a judgment, and have the judgment enforced. So the short answer is yes.Some also claim they can file criminal charges for a "bad check(s)." This is not true. The actions that can be taken depend on the laws of the state in which the person resides.
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Well, this is a good question! Now, if you go to Australia, you are definitely going to have bills and loans to pay off because you want to spend your money on everything you see. It's amazing what they have in the shops over there. If you have already left Australia, you should consider phoning up …
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You cannot be arrested for owing money. If a collection rep. even hints at such an action being taken against you. She/he is in violation of Federal/State laws, and can be in serious trouble. An agency that has "bought" your account from the original creditor can take legal action such as a lawsuit.…
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No… They cannot prosecute for a credit card debt in UAE. Both the countries don't have a pact as well as the banks are not empowered to prosecute as they we are not legally bound by the law in India. As the card was issued in a different country. So no need to worry.
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Answer California, as well as 26 other states have no limitation on interest rates, user fees, late penalties, etc for credit cards. Arkansas is the only state with very strict usury statutes.Federal usury laws are of little help, as the only stipulation is for the credit card companies to infor…
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you have to get it approved through the trustee
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Yes, but the creditor might file an adversary proceeding to object to the discharge if the debt was fraudulently incurred.
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One can certainly list payday lenders in their bankruptcy petition, but whether or not the payday loans will be discharged probably depends on the law of the State in which the debtor resides. I only practice in Indiana, and in Indiana payday lenders who are holding a personal check of a borrower tr…
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Payday Loans Equal Very Costly Cash: Consumers Urged to Consider the Alternatives "I just need enough cash to tide me over until payday." "GET CASH UNTIL PAYDAY! . . . $100 OR MORE . . . FAST." The ads are on the radio, television, the Internet, even in the mail. They refer to payday lo…
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Many check cashing businesses offer small sum, short-term, high-rate, unsecured personal loans. These go by many names, including: payday loan cash advance loan post-dated check loans deferred deposit In a payday loan transaction, the borrower will provide to the lender items such as …
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Advance-Fee Loan Scams: 'Easy' Cash Offers Teach Hard LessonsLooking for a loan or credit card but don't think you'll qualify? Turned down by a bank because of your poor credit history?You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. The…
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The best way to get cheap loan until your next payday is using Payday loans provided by a trusth-worthy company. Payday Loans are a hassle-free and quick option of procuring funds that may be required during an unforeseen cash crunch, requiring immediate and short-term cash, until your next payday…
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Answer No. Credit history pertains to the individual. With the exception of joint accounts such as credit cards, not bank accounts.
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Usually once your application is reviewed and accepted the student loan agency will disburse the money to your school a week or two before you semester starts. However, larger student loan agency�s have on-line process that the whole process is done within a week or sooner.
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Only if the primary borrower is willing and able to refinance.
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Answer Yes. It is a relative simple and inexpensive legal process that can be done without an attorney.
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Only if you don't have established credit.Additionally, your co-signer must be just as creditworthy as you. That's because if you fail to fulfill your loan obligations, "they" will go after your co-signer. And he or she had be worthy of having co-signed: credit, etc.
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Answer Sure you can. Nothing stopping you. The loans on some of the dealers are outrageous, however (just telling it like it is), so shop with caution.
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It is very improbable that you will get an unsecured loan with a credit score in the 400's. Unless you show that you are trying to rectify the reason for your score to be so low and show proof that you are doing so.
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A person with 'less than perfect credit' can try to obtain a secured credit card. These cards can come with a couple of hundred dollars in fees but can help re-establish credit. Time is a big factor in re-establishing credit. If your initial application is denied, wait 6 months and try again. Rememb…
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Answer Absolutely not. It is not unusual for a judgment to be awarded to a creditor, but it cannot be "satisfied" because the debtor is deemed judgment proof. Meaning the person has no assets that can be seized for the amount of the judgment. However, in most cases judgments are renewable. C…
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Answer If you have no job, no credit and no home, why would you want to burden yourself with debt that cannot possibly repay? Think about your situation!
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Answer Go to a Title Company Like Fidelity or Chicago Title and pay a few dollars to do a full title and lien search on the property. About 50 to 150 dollars. Very difficult A title search may tell you who has recorded a mortgage on a property, although not necessarily the initial…
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Answer Yes and they know where you bank and/or work, so collecting wouldn't be that difficult for them.
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Answer That happened to me and I included it in my chapter 7 but it made it difficult to open a new account. Open your new account now before you are reported to chexsystems.
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Yes you can. It was done at the Mc Donald's I worked at in Florida. Usually you sign a statement when hired in stating you will not steal and such. Stealing is a crime....being at a job does not forfeit the law. In South African context that is the sole decision of the Employer, in practice afte…
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They can take you to court to get a Judgment against you, and if you still do not pay the debt, you can go to jail for "failing to obey a Judge's Order." A judge can also order you to sell property that you own, such as furniture, tv or a car, to liquidate assets into cash, to pay the lender off…
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Visit www.fastcashrescue.com
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Answer The most prevalent answer by financial advisers is that a person should never loan money to a relative or a friend. I have made loans to both family members and close friends, however I did it with no expectations of having it repaid. It really is a personal decision, with several thin…
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If you have a good investment idea, then, your local bank will listen to your business idea. If your idea is good then the bank will help you. Why would the private investor take any different risk from your bank ?
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If you have poor credit it may be quite difficult to get loans..You can look at other options like Payday loans also referred to as cash advance loans, check advance loans, post-dated check loans, or deferred deposit loans. Such loan providers do not do a credit check and are very easily attainable.…
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Answer Check the fine print on your contract. Most Payday companies can LEGALLY charge up to 30% interest, so you need to clear this ASAP. You can pay $35 to your bank and stop payment on the check. The Payday company will contact you and attempt to make a payment plan charging even more inte…
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I am trying to find the answer to this question because I am getting charged over 90% interest by cash call, and I don't think this is at all legal!!!
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Hi, i had problem getting a loan from my bank.until i was introduced to REV.JOHN,a man of God whom God used to bless and change my life today. feel free to contact him today at revjohnloanfirm@gmail.com. consider your loan and financial problem solved as you take the right decision."congratulations …
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Answer If you want to spend the rest of your life with a low-paying job, living in a tiny appartment and spending all of your spare time working for minimum wage, then go ahead. But you will realize when you try to find a job, that it is extremely hard to find one when you haven't even gradu…
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Answer N.C. law does not allow wage garnishment when it concerns creditor debt. Be advised though, the creditor can take legal action to seize other non-exempt property belonging to the debtor.
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Answer take this up with the child-support division in the county in which you reside.
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Answer Per NASD and the SEC an act doesn't have to be illegal to be improper. Anytime there can be the insinuation of conflict of interest it is improper. In this case it is improper unless there existed a prior documented relationship that supports the situation of a personal loan between the tw…
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Answer Since payday lenders require that you leave a check, they turn in the check and if you don't have sufficient funds they can start legal action. Your wages may be attached, you may be charged with check fraud and you will certainly be required to pay for legal expenses.
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Defaulting on a personal loan can effect your credit in a negative way. The lower your credit rating, the harder it is to get a loan in the future. Loan default is a civil matter, not criminal, so there is no need to worry about any jail time being served because of it. If you take out a personal lo…
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Answer Yes, you DO owe the money, don't you? They are certainly within their rights to ask the courts for that money. Leaving the country to avoid that debt could even be called an attempt to defraud.
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Apply at any bank. There are other requirements for a loan besides your credit score. How much debt do you currently owe, How much do you make a year and how long have you had your job? Are you buying a house or renting and how long have you lived there? Do you own anything, have any money in a sa…
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Answer In TEXAS, interest does not begin to be calculated until 30 days after an account was due. The judgment rate of interest is 18% or the rate in the specific contract, whichever is less. There are other specific ceilings for different types of loans, you should contact an attorney in Texa…
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Answer Yes they can but they have to get an order from the court first. So watch out
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Answer You might want to go to the county courthouse and apply it directly. In the majority of cases under the circumstances cited, all that is necessary is that both parties take the required documentation to the county assessor or property recorder's office and have the lien entered. Co…
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Answer It doesn't hurt your credit to pay off a loan early.
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It depends on the payday loan company. I got one online from a fairly smaller company, they had a staff member deal with me personally and they gave me another week and a half to pay back my loan. But in general I don't think payday loan companies make it common practice to be lenient, especially wa…
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Student Loan Help Here is advice: You can't. You must at least have a job. They can get around credit and debt. I would refinance student loans first. If they are federal, ask for a deferment due to unemployment. Federal student loans have lower interest rates than any unsecured loan someone wi…
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Sure. A lien is just a notice to the county recorder that the builder has a financial interest in the property. Putting the lien on the property just assures that the property will not be sold until his interests are satisfied and that if he meets his obligations and he is still not paid, he may for…
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It all depends on what state you live in. Regardless of whether your payday lender is off of the internet, the law says that the transaction actually occurred in the state where your computer is located when you took out the loan. Some states have made payday lending illegal, some have usury rate ca…
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For starting a Payday loan business, you must be associated with a loan company having good credibility in the market. You can also use the payday loan software http://turnkey-lender.com/
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Answer No, the contract would have to be in default for the lender to sue and receive a judgemnt which could possibly be used as a lien against real property. The exception is Mechanic's liens which do not require a lawsuit to be implemented.
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Answer Yes, thru the lender that has the CD on the books if they will do it.
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Answer A lot would depend on why the credit score is so low-- if it is due to slow paying on loans probably not, unless you have a good reason- if it is due to medical collections yes. My advice is to go to the bank/credit union you have your checking account with and talk to a …
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Answer YES. Any debt can be included in a bankruptcy petition. It is up to the bankruptcy court to determine which debts will be allowed to stay in. info@usconsumerpros.com
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No. Not paying back a payday loan or cash advance is a civil issue not a criminal one. And, most payday lenders will not sue someone for a $500 loan.
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Answer The following website -- www.ic3.gov -- is the FBI's clearinghouse for Internet fraud complaints. Fill out a compaint there and it will be channeled to the appropriate agency for investigation. The Internet is federal jurisdiction. You can also file a complaint with the Federal Trade C…
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Answer Contact the Pay Day Loan company and request that it be stopped. Get something in writing. If that doesn't work, report your checkbook as lost/stolen. Your account will be frozen until the bank changes your account number.
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Answer No, payday loans do not help your credit, altho they may pull your credit in order to determine if they will lend to you. If you do pay your loan when it is due, the company can deposit your check and if it comes back NSF, then you will owe bank charges along with the bad check. If you …
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Assuming you mean Annual Percentage Rate, you can find the formula, as well as a handy calculator via the page link, further down this page, listed under Sources and Related links. .
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A personal loan is a short and unsecured loan, for a maximum tenure of 5 years, where banks or NBFCs lend money on fixed interest rate to the consumers, without securing the loan by 'collateral'. Unlike other loans, personal loans are granted without safeguarding the loan without anydeposit assets w…
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Answer Yes. In the Middle Ages, long terms of imprisonment (over 6 months) were usually only for 'important personages'. The most common penalty for those with some money was a fine.
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Answer dont know
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11-21-11: IN Fayetteville, NC Jackson Hewitt ARE NOT offering any holiday loans. The only loans they are offering are the RAL's which are at tax time once you have your W-2. PER Jackson Hewitt Office on Owen Drive, Fayetteville, NC 910-323-9200 Yes, Jackson Hewitt is offering a Holiday Loan and the…
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In sumerian times some of the jobs scribes had to do were keep records of what happened on wet clay tablets or how many goods they had.
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Yes, Jackson Hewitt is offering a Holiday Loan and the structure appears to be exactly the same as the Emerald Advance from H&R block. When the loan is available, however, has yet to be publicized.
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You have not established any credit, such as a credit card, auto purchase so nothing is going to show on your credit history.
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No. The court would likely not allow it because you intend to commit fraud by obtaining a loan with no intention of repaying it. But that's really a question for your lawyer.
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I think it may be Martin Mull?
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Personal finance is 2 things...finance and personal. The finance thing is money. Money is logical and financial success requires that you pursue specific behaviors to properly manage your money to that end. One of those specific behaviors is using the dynamics of compound interest and compounding f…
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Online payday loans - you decide
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No. If they didn't sign any papers taking out a loan, then they are not liable. If your state allows payday loans, you could be sued civilly. Some states make payday loans illegal. Payday lenders will often harass you and your references or family members hoping that they can scare them into paying.…
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Yes, depending on which state you live in. For most states, payday lenders have put into place mechanisms to extend loans up to the maximum number of times the state allows.When extending a payday loan, keep in mind that you will pay an extension fee (which will be the same as the origination/applic…
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Yes, the vested portion of an employee stock ownership plan owned directly by an individual may be used for collateral. Some definitions: * "Owned directly by the individual" indicates that there is a clear trail of ownership that is held by a sole party (e.g., one has X shares of stock in the compa…
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50round hopper are common, but if you want the smallest possible... put a piece of tape on your feedneck and you have a 2 ball loader. That is technically the smallest hopper.
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Generally, you cannot receive two payday loans at the same time.
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Stop payments on payday loans will rarely work. They do ACH withdrawals from your bank account. All they have to do is enter a slightly different amount than what you stated on your stop payment order. It would still get sent through because the amount will be different. They're used to this. If you…
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You should seriously check the interest rate they are charging you. Tax refund anticipation loans are a notorious rip off.
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Unsecured personal indebtedness is debt that is not secured against an asset. For example, a mortgage is a debt secured against an asset, being a house. If you fail to pay your mortgage, your house will be taken of you. An unsecured debt is that of a loan or credit card bill which is not backed up b…
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i have been trying to get a loan for the last month.they keep coming up with reasons that i have to give them money to get money
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Yes, its a scam. Don t believe them, they will ask you to send them $500-$700 as a down payment towards your loan. Once you send them the money you will never hear back from them,that happen to me and I thought i will get money, but i didn't get anything back, instead i almost lost my place to live,…
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Finding a lender that made boat loans was difficult. Today, the challenge is deciding which lender to use. In an active boating market, you'll find several sources for boat loans, so it's a good idea to compare rates and terms to determine the financing best suited for you. · visit http://www.cand…
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You can take out a personal loan at your banking institution. You will need to fill out forms provided by your bank and will then go through an approval process.
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I've managed to answer this myself - it's Crown Heights Affair and it's called 'You gave love to me'.
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No, loans are not income.
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A payday loan would only be helpful if you absolutely need it, for example having another payment that could cost you more by missing it instead of the fees from a payday loan, the best payday advance loans are on the internet, not money mart or instaloans/cash store, they charge the maximum they ca…
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