 Does parents credit affect their children's credit? |
| i am turning 18 years old and my parents credit has not been the best..and i was wondering if my credit will be affected? Also does overdrafting a checking account cause bad credit?... |
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 Debt consolidation , how it works ? |
| I have about 5000 of credit card debt , I rent so home equity wont work (i rent) I cant really cut down on stuff , my FISCO went from 740 to 505 in a year (financial problems). So i need help getting ... |
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 Poor credit rating please help? |
im in urgent need of 8000 dollars, where would i be able to obtain a loan quickly and that would accept poor credit ratings?
Additional Details
i dont mind paying a higher interest rate, ... |
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 Do i qualify for the car i want? |
| i started a new job 6 months ago but have been with the company 2 years straight. i make 14.75 hr work full time, i am going to put 7,000 down and want to buy a 15,000 altima my credit right now is 61... |
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 Hows long does a judgement against me stay on my credit report after it has been paid off? |
| I didn't pay tuition for one semester and the school filed a judgement against me....I paid off this judgement one year ago but it still shows on my credit report...the amount was for $6,500 but ... |
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 Can a creditor call me or my parents over my boyfriend's truck payments? |
| I've had one collection agent who has called me multiple times about my boyfriend's truck and his location. I have told him that I chose not to get involved in the situation and will not ... |
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| Pre-paid Credit card? |
| Do you have to be a certain age to get a pre-paid credit card?... |
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 I have poor credit and need a new credit card. I have no money, so I need an unsecured card with no setup fee? |
Where can I find a card with a $500 credit limit who will accept me and not need anything to set up the account?
Thanks!
Additional Details
I'm not asking for opinions, I&... |
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 What kind of credit card should I get? |
I am 18 years old, (female), in august i'll be going to community college full time.
i just want a credit card to ESTABLISH credit, and make online purchases.
I don't want to ... |
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 I get strange phone calls from other states asking for people i dont know. and its involving credit/money...? |
| one call was from new mexico from some Ford credit place asking for a guy named george, the other was from nevada inquiring abotu some recent debit perchances on his "shazaam" debit card, ... |
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 Anyone ever use a credit repair company? |
Did you use creditrepairtoday.com or any other credit repair company? What was your experience? Was it worth it?
Additional Details
we have filed b/k and want to raise our scores for a ... |
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 Are the credit repair programs worthy ? |
| I have had a few people approach me about paying $250 for their credit repair service and it would help to increase my credit score....how does this service work?... |
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 Where Can I Get Unsecured Loan? |
I'm 27 years old, I have a poor credit story and for last two weeks I didn't work at all. To improve my status I need some money. Where can I borrow it from?
Thanks for your help!... |
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 We need to build credit? |
| My husband and I were turned down for an FHA loan - they said we would need a co-signer. They did tell us, however, that we should get a couple of credit cards to build credit. We have no current ... |
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 Im in debt! Help!? |
| Does anyone know where i can get a loan to pay off my debt so i will just have one payment? Noone will approve me for a loan because my credit is so bad but i can't pay it off all at once and ... |
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savannah B | Does any one know how to get out of a payday loan situation? please help me...? |
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Sgt Big Red
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Possible Legal Claims Include:
Truth in Lending violations.
Payday lenders often fail to comply with the Truth-in-Lending disclosure requirements, making it nearly impossible to understand the true cost of these loans. Payday lenders often try to get around the law by claiming that they are not making loans. They come up with schemes such as "sale-leaseback" transactions that attempt to characterize the loan as something else. These disguises may be challenged and courts will often that the transaction is really a loan
State Payday Lending Law violations. About half of the states and the District of Columbia have passed industry-backed laws specifically authorizing payday lending. These laws generally require either licensing or registration. Some specify maximum loan terms and/or amounts.
Usury. Most states have several different usury statutes, including "special usury laws", such as small loan acts. Small loan laws are usually structured as exceptions to a general usury ceiling. In about one-third of the states, payday lenders must comply with state small loan and criminal usury laws. Since these caps are substantially below payday industry charges (the small loan limits are up to 36%), lenders in these states usually simply ignore the small loan law or try to disguise the loan. Currently six states permit payday lenders to operate and to charge any interest rate or fees the borrower agrees to pay but, with the exception of South Dakota, require them to comply with other small loan act provisions.
Check with your states Attorney Generals Office to see what your state laws are.
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice. |
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cridler
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Work some overtime, get a second job, hold a yard sale come up with the money due and get out and move on |
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rayt721
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Much like the credit card trap they were not designed to get you out. They want you to take a loan to pay the loan to pay the loan, etc. It sure was easy to get into the cycle, wasn't it??? The first thing to do is realize that you can't get out of it and go to family, friend, employer or anyone who can help you bail out. Write up a contract and stick to the contract for repayment... no excuses. Now what you have to do is look at your budget so you know where that money is going to come from. Find ways to increase income and/or reduce expenses and then put that "found" money into your debt repayment schedule. You can't continue to live the way you've been living. That's obvious if you needed a payday loan in the first place. Only YOU can get out of the cycle so approach it with common sense and you can get out. It won't be easy but you CAN do it. Start today!!! |
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Ray S
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try you state attorney general, right now payday lenders are facing class action lawsuits and are literally being run out of town, they may end up owing you money |
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Rick B
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Yes, pay it off in full, learn your lesson, and never do it again. |
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lisa s
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Tell us a bit more about your situation.
How much do you owe
how many loans do you have
what state do you live in |
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sunshine
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The only way I have to tell you is to get another job and get extra money. Pay the loan in full ... Yeah you will be broke at the time being but at least you're not paying more fees. Lesson learned. Never go back to them again... |
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americanfreeman
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yes, pay off the loan
NEVER return |
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bailie28
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dont ever get into one...try to get a loan thru your bank or use a credit card to get out of it..because that is better than a loan thru one of those places....this is why in north carolina they cracked down on those kinda places they went belly up..they are nothing but scams |
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