 Loans for unemployed? |
Are there any real companies out there that give loans to someone who is unemployed, becuase i really need a loan and im in full time college. Also i rent.
I know most of them wont ... |
|
 My friend told me that everytime a company does a credit check on me...? |
| such as fashion bug, my credit score goes down and I could be red flagged for having so many credit checks done. I want to know if he is correct, because everytime I go to fashion bug, the clerk ... |
|
 Have can I check my credit rating with out having to pay any thing? |
I tried checking my credit report/rating but you have to put in your debit card details and I dont want to pay any thing.
Can I ask my bank do it for me and get them to tell me what my credit ... |
|
 Does anyone have experience with collection agencies? I don't know what my next move should be? |
| I have a credit card in collections for roughly 2800.00 . I have had two conversations with the agent. I offered him 100.00 monthly payments. He said it wasn't enough. His tactics are ... |
|
 How much credit card debt is bad? |
| I always avoided credit card debt. I own a home and I like to save money. i'm 27 and single and all my girlfriends go nuts with credit cards. I fell into the trap a little bit and now I have $4,0... |
|
 Im interested in refinancing my home. i always get tons of mail offering such. what is the best way? |
| im not sure if the mortgage companies are better or the banks?everytime i tried to call them, they are very eager to get my financial details which i dont mind, but giving out my social security on ... |
|
 How do I figure out what interest rate I got on my current car loan? My payments/term... $340.54/month; 60mth |
Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need ... |
|
 Should I reactivate a credit card whose date is expiring? |
| I have a card that I never use. I understand that for FICO reasons I shouldn't cancel it but I have received a new one in the mail with a new expiration date and I'm wondering which would ... |
|
 Credit score of 566, any suggestions on delinquent credit card debt? |
| Keep in mind that this debt is several years old, will paying off some old accounts make it higher?... |
|
 I have bad credit affter a bankruptsey 2 years ago - all I have is my job and I want to borrow about $2500? |
| God I think even my dog would turn me down at this point - anybody know anybody who gives real unsecured personal loans based on their employment?... |
|
| Can I still File Chapter 7 if I got a summon by a debt collector? |
| I've just got a summon yesterday by one of my credit card I have and I was wondering if I can still file Chapter 7? I do have other credit cards and medical bills that need to by paid as well ... |
|
 Can you lend me £20 please? |
| im just asking i could do with a pizza ?... |
|
 How do i get a prepaid creidt card? |
| i live in the U.S. and i want a prepaid creidt card. how do i get one and do i need a social security number?... |
|
 How can I get a free copy of my credit report so I can start cleaning up my credit? |
| My credit score sucks its like 360 something(sad I know).Ready to start cleaning it up now.... |
|
 I need an interest free loan? |
| Where can I get an interest free loan from for about £1000? I don't mind paying a small amount of interest but I'm not risking the bank at the moment. Any one any ideas?... |
|
 I got my first bank card :)? |
| Hi, I got a barclays bank acount, and my Dad is putting £25 in every Friday, what should I spend it on/ save up for?... |
|
 Finance Help? |
I have $2,000 on my credit card and I NEED to get it paid off. What are some good ways to get some cash quick?? Or how can I get it paid of quickly.
Additional Details
My credit card ... |
|
 Can some one apply false charges on my credit history.? |
| I recd a call from this person who claims to be from a credit and collection company. he declared that i have a company and i haven't paid someone a big amount. he has the last 4 digits of my SSN... |
|
|  |
notyochic | This loan is killing us can anyone help? |
my husband took out a loan "two years" ago for 2000.00 from this loan place call CASH CALL he got the number off t.v. from gary colman! anyways he took the loan out for christmas so he could give me and our four kids a good christmas well he has been paying $200 on this loan every month for two years so i asked him when will he be finished paying this loan and he said when he gets the two thousand to pay them off because he has just been paying the interest on it which is 200 a month! my god i know he made a big mistake but is there anyway to fix this he has already payed these people $4,800.00 for a 2000.00 loan |
 |
 
triviatm
|
Go to your nearest Office of Consumer Affairs and see what they can do. Bring the paperwork detailing what you've spent, what is still owed, and see what they say.
If they can't help you there, then go to your bank and see if you can get THEM to give you a loan for that $2000, pay off Cash Call, and then repay the bank at a much lower rate of interest. Even if you can't get a loan for under 20% (and most banks have rates lower than that) you'd still have it paid off in a year, even with the interest, if you were paying $200 a month. |
|
Bill
 |
Since he has made periodic payments for two years, he might have displayed enough of a creditworthy history to be able to obtain a bank loan for the express purpose of paying Cash Call off.
While Cash Call loans are legal, the interest rates are (as you well know) insane.
Ask your bank about obtaining either a debt consolidation loan (just for this loan) or a signature loan. |
|
OC1999
|
Cash Call is basically legalized loan-sharking. If you look at the documents he signed the APR is actually 99.25%. This is not what you want to hear but, since he signed the loan agreement there is bascially nothing legally you can do to get out of it without paying it off.
The first option would be to see if you or your husband can qualify for a "signature" loan at your bank to pay them off. You will still have a loan but it will be at a lower interest rate. If that is not possible them it would be best to just pay them as much as possible every month to get the balance down by at least some amount. If this means you have to do minimums on other credit cards or cancel some things such as cable TV then that is what you would have to do if you want to get out of it. |
|
Tammi B
|
Basically he has taken out a PayDay Loan. If you only pay on the interest each payment, then your principal is not going down at all, which sounds like what is happening. It is basically a way for people with less than perfect credit to get the cash they need, and for the company loaning the money to charge the highest amounts of interest that can be charged. The best thing to do would be to pay more than the $200.00 each month, the interest payments will go down, and pay off the rest of the principal when you get a lump sum of money. It is a predator vs. prey thing that too many people get caught up in.
Good luck! |
|
Dale S
|
As others have stated, try to borrow the money from somewhere else. But since he borrowed the money from a legal loan shark I would guess he is not very credit worthy. If that's the case, start paying more than $200 monthly interest. If he would have paid an extra $50 each month from the start, the balance would now only be $800. Pay as much as you can above that minimum, even if it means getting a second job. |
|
Jennield
 |
That's ridiculous!! Have him take out a regular personal loan from his bank & pay off CASH CALL. The interest will be high at the bank, but nowhere near what he is paying now!! |
|
Crazy cat lady >^ ^<
|
OC1999 is correct if you look at the small print at the bottom of that comerical you will see a 99 % intrest rate which is in sane..Please go see if you can go get a singutare lone |
|
kate
 |
Pay off the balance ,
Just paying % can go on forever . . .
BUT , $200 a month is about $120 of principal .
If he is paying $200 a month % it is illegal OR
He is spending it on gambling , drinking , drugs etc . . .
Even 50% interest rate would be $83 a month % .
Did everyone in your house FLUNK junior high math ?
Sad how people have to get cleaned out Before they start reading the rates for what they sign for .
> |
|
Jackson D
|
Go get a $2,000 loan from a credit union or bank for a lot less interest than what he is paying now. Apparently he is in a dirty loan business that is out to take your money. Never get a loan from something Gary Coleman endorses or you see late at night on TV.
If the banks or credit unions don't work, try prosper.com. You can get a loan from other people at Prosper.com. You can tell the members of the site your story and why you need the money. The loan is funded by several members investing in you so that you can pay off your debt or whatever else you may need the money for. Their incentive to loan you the money is to receive interest income for the money they loan you. It is like a normal loan but without the bank. People loaning directly to people. Check it out. It is easy to use.
There are a lot of people on there that use the site to payoff existing debt. It is common. |
|
Ask M
|
consult with a contract lawyer |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 11 minutes(s) ago
| | | |
10 | 25 minutes(s) ago
| | | |
10 | 26 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
11 | 4 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
10 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
