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Bad debt personal loans: to escape the financial whirlpool called bad credit.
So, you were caught in unaware with bad debt. It happens. No, no, you haven't caught the bad debt disorder yet. There are bright chances that you won't need any 'specific' action to deal with bad debt. Bad debt personal loans will take care of that....
Cash Advance Loans: Loan Sharks In Disguise?
You have seen them on the corner and in the poorer parts of town with names like "Quick Cash", "Quick Loan", "Payday Loans", "Car Title Loans". They are starting to sprout up all over the country and will soon rival Starbucks for sheer number of...
HOLIDAY LOANS CAN EXPAND THE HORIZON OF WHAT YOU SEE.
By Amanda Thompson Amandacthompson@gmail.com Why do kids get all the breaks? Winter-weary adults, fed up with gray, uninspired landscapes need spring vacation too. This year consider a get away to a room with an inspiring view. You have been...
How to Find Cheap Loans UK
For the individual in need of cheap loans UK , it can sometimes seem like the loan they seek is always just out of reach.
The hardest part of finding cheap loans UK is usually sorting through the various types of loans to find the one loan that...
Loans from Credit Card Banks
As opposite to what used to happen in the old days, business
loans are now available not only for commercial companies, but
also for self employed people. In fact, this last group seems to
take the most advantage from this kind of loan, as...
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Should We Be Aware Of Pay Day Loans?
Customers at the grocery store all recommend pay day loans as
the easy solution for a lack of funds. Could pay day loans be
the answer consumers with low bank accounts have been looking
for? Is there any harm in using these services? Aren't they
better than using credit cards?
Paying a bill with borrowed money is better than receiving bad
credit marks because of not paying the bill. This is
understandable. However, some financial institutions are willing
to make the occasional exception if contacted about the
situation. Or there may be a small fee, but not a credit report
made. Consider the true cost before making a decision. Compare
the cost of using a pay day (or cash advance) loan to the fees
charged for taking a cash advance on your own credit card. Can
family help? Often those who are forced to use pay day loans are
not able to repay the loan by the next pay check and that can
lead to a cycle of debt and stress.
How about the cost? According to several sources, including a
consumer report by the FTC (Federal Trade Commission) and the
CFA (Consumer Federation of America) state that usual the usual
APR is between 350 - 650% with some as high as 780%.
A loan of $100 ranges in cost between $15 - $30. If the loan is
not repaid by the pay date then it can be renewed with another
fee due at
each renewal. A loan of $100 can cost $60 in fees
after 3 renewals.
It seems that those who use pay day loans do not benefit and
there seems to be more harm than good. Based on the warnings
issued by federal and consumer organizations it is clear that
using pay day loans or cash advances from these businesses can
often lead to more debt and problems. Some sites were reported
to automatically roll over the loan and only withdraw the
renewal fee on the pay date. Other sites surveyed by the CFA
required customers to agree in contract to not participate in
class action suits or to file for bankruptcy.
If you are having debt problems it is recommended to seek no- or
low-cost credit counseling from a local non-profit organization.
These organizations can help with reducing current interest
charges and lowering monthly payments. If the problem is budget,
you should look to a financial planner who can help you to
manage the money you do have and avoid using credit at all.
About the author:
Dr. Drew Henry maintains a number of sites about loans,
including Bad
Credit Car Loans, Bad Credit Home
Loans, and Bad Credit Loans
Secrets.
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