 Should I co-sign a loan with my mom? |
| My mom wants to apply for a debt consolidation loan but has bad credit. My 2 brothers, sister, & brother's friend live with her in a house. I rent an apartment with my bf. I'm the only ... |
|
 What amount of money calls you rich? |
is it
10,000
20,000
30,000
40+
or 1 million pounds
Additional Details
very funny jon b very funny im laughing that was great ... |
|
 How can you make money online or in other ways? |
| For Example: surveys, product testers, etc.... |
|
 Is it True, that For Most People, if you...? |
| ...gave them $1,000,000 they would broke again in a year or two? Why or Why not?... |
|
 What is the cheapest and simplest way to become bankrupt? |
| is there a way to declare bankruptcy without having to appear in Court and without filling too much paperwork?... |
|
| I need help to get a loan? |
| I need a legitimate business or individual. Please do not ask me to send money in advance of a loan. I have been scammed so many times, I am broke, bills past due, my wife is out of critical ... |
|
 What happens if i write out a personal check--but there are not enough funds in the bank? |
...will the person still get the money (but leave my account negative)?
or will he NOT get the money?
also, what is the difference between an NSF fee (non-suffecient funds) and ... |
|
 Cheap rich people,what is their problem ? |
Sometimes I see them at Wal-Mart,K-Mart,and BigLots just looking for the cheapest prices.
One of my co-workers mother in law buy her clothes at Sally's Army and got kicked out of there one ... |
|
 School loans v. car payments v. 401K? |
| I have 2 different school loans, one is at 7.2% interest rate, the other is twice the amount with a 2.8% interest rate. I've been paying about 2-3 times the minimum every month on the higher ... |
|
 How Much Money Should a 20 Year Old Have Saved Up? |
| I'm 20 and running a web design company. I was just wondering how much does the average 20 year old usually have saved up?... |
|
 Social Security Benefits? |
| I just recieved my Social Security Statement telling me what my benefits are as of my last years earnings. This may sound stupid but is there a way that I can cash out my earnings now? I am a ... |
|
|  |
Julie C | What if I can't pay my pay-day loan? |
I got a payday loan because my old room mate left me in a bind. At the time I was like "hey this is great! I can pay her half of the rent!" but now I've paid the fee's on it for over a month and can't make the payment this month. I can't afford the fees or the loan amount in full. Any suggestions? How much trouble do I get in if the check bounces? Does this give me more time to pay it off? |
 |
 
♥cutemamma♥
 |
a lot of places let you make payment plan.. like if you go in today and pay part of it.. they have to hold your check since the amount on it is no longer accurate. They will bug you till you pay it.. if you refuse they will send it to collections |
|
Bre
|
No, a check bouncing is not a good idea and will not give you more time...the best thing to do would be to call them and ask for an extention for your due date..people do it all the time! i'm sure they will help you out. they would rather you be honest and know when they will get paid than you not telling them and then they have to spend time and money having collections calling you up. try that and then maybe you will start to feel better too instead of worrying! |
|
Janet lw
|
If you write a bad check it is considered fraud. The pay day loans will re-figure loan but at a much higher interest rate. |
|
finholl
 |
If you have no other way around it, you might be wise enough to ask a relative for a little bit of assistance. Don't let the check bounce. On top of criminal charges, this stuff also hits your credit report too. Talk to they company, pay the fees, and what you can towards the loan. The more you can pay on the loan amount the lower your fees will be. They don't want this to become a criminal issue, but they do want their money. If you have to talk to the manager, and stay calm and rational, not emotional and distraught. But if you have to ask for help from a family member, remember, their interest rates and fees usually come in the form of visit more often, call more often. And the dreaded lectures...... Stay away from payday loans, or any time of advanced loans. They are usually scams to begin with. IF you need more help the FTC can give you some insite on how to deal with creditors |
|
robert w
 |
Bounced checks to PayDay loan Sharks is considered fraud a criminal offense. Best suggestion- get 2nd job nights 3rd job weekend sell TV you won' t need it.
PayDay loans charge any where from 400% - 800% per year. Mafia Loansharks are ashamed of these places.
Visit DaveRamsey.com to learn what you really need to know before you get real bent over. |
|
honey27
|
I think you can get an extension or make smaller payments, talk to the company and explain. |
|
chibi_sylphe
|
Just so you know, as been mentionned above, a bad check is considered fraud and will remain on your profile longer then you could imagine. It can jeopartize the acquisition of a credit card to a house! And it will not save you time. Anyway, think of it this way : If you can't pay now, chances are you won't be able to pay when all your checks have bounced... plus interest, cause bouncing checks cost you about (depending on the institution) 15$ per check of fees. |
|
misty_51273
 |
call and see if they will work with you maybe let you pay it off a little at a time, if not instead of letting the check bounce maybe try to go to a pawn shop and pawn jewelry or something of value and pay the check off then you can just pay interest on the pawn plus a little extra and get it paid off without the threat of bouncing a check |
|
wrkey
 |
Unfortunately, you really don't have much of a choice. The reason the loan place was so willing to give you a loan based on a check you signed over to them is because they can press criminal charges if the check bounces.
If you let the check bounce or you close the account the check was written on or you stop payment on the check, you can be held criminally responsible. They will send you a certified letter stating you must make good on the check with in two weeks (sometimes less) or they will press charges. If you don't pay it, then they simply present the check to the District Attorney and they will come after you with a warrent for Theft By Check.
Now.. say you try to 'ride out' the two week period, you will be charged a couple of NSF fees from your bank when they present the charge and then a NSF fee from the loan place. Then you still have to pay the amount in full anyway.
I would suggest you go into the loan place and see what you can work out. Obviously you've over extended and will have to 'beg them' to work with you.
Good luck and I hope things go well for you. |
|
Franklin
|
you are in it very deep, you will be paying this until you are 85, we've got you!!! |
|
Justsyd
|
Read the fine print for the loan. It should have all of that information listed. |
|
Dawn
|
i really don't know what type of fees they charge but i do know that after so long they will take you to court to get their money because i lady that i used to work with ended up getting taken to court over an unpaid loan and she ended up paying about $600.00 for an original loan of $185.00
so if i were you i would go in and try to make up some sort of payment arrangement with them before that happens
Good Luck |
|
Marsha
|
Payday loans have options if you are not able to pay.....check online for their policy or call the office your purchased thru.
Do what you can to clear this off tho for the interest rates stack up! |
|
Mopar Muscle Gal
|
your screwed |
|
sunsetdrunk
 |
You go to jail for writing bad checks. Plan something else. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 18 minutes(s) ago
| | | |
15 | 53 minutes(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
15 | 8 hour(s) ago
| | | |
14 | 9 hour(s) ago
| | | |
15 | 10 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
15 | 4 day(s) ago
| | | |
15 | 1 week(s) ago
| | | |
15 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
