If the musicians give the music away for free on their website, it is legal. Anywhere else it is piracy and a violation of copyright law.
Your credit report will state that the vehicle was returned. It will still show a balance remaining once this vehicle is auctioned off. This is your best option, but it already has done it's damage to your credit report with missed payment. Also, this will affect your credit score monthly for the next two years from the date of last payment.
"Payment protection on credit cards used by teenagers is a protection less for them than for those financially responsible for them. If the desire is to create financial independence and responsibility, payment protection is not likely to encourage a new credit card user to think through his or her purchases. If the desire is simply to provide them an easy form of payment with less risk than cash, then certainly, payment protection can be a good option."
There are a few ways to buy on credit. One way is by using a credit card. Another option is layaway, which is available at Wal-Mart and K-Mart. Fingerhut offers purchase on credit without a credit card; the company extends the credit to the consumer. Another credit option is taking out a loan to pay for things.
Most new major credit items are reported to credit bureaus within 45 days of your first installment payment. Lenders have the option of reporting to 1, 2 or all 3 major credit bureaus. Some lenders, such as those that specialize in subprime financing, may refuse to report to credit bureaus unless you are late on a payment.
You can purchase 1 month by choosing the PayPal option of payment, and selecting one month. If you are using the credit card option, you can purchase the automatic membership renewal option, and then immediately afterward cancel the next month's renewal, and still have the month's credit that you already paid for.
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