Your Questions About Payday Loan Lenders Only

December 24, 2011 by Loans Guide  
Filed under Payday Loans

George asks…

Can payday lender really do this?

I took out a loan from one click cash for 250 dollars last year to help with an unexpected vet. bill when my dog got sick. I paid the ENTIRE loan including fees, and interest back when the debited my account for six weeks like they were suppose to. Two months later they started debiting my account again. I contacted them numerous times, and never could get anywhere with them so I just closed my checking account, and opened up another one. Somehow they got my account and routing number for my new acct., and started debiting it as well. Now not only did I pay all of the loan back, but somehow they are debiting my new checking acct. w/out my permission. First how would they get that info., and how did they even debit it when they didn’t have permission nor a reason from me? I have already reported it to my bank and they are dealing with it, but this really makes me mad b/c they caused me to o/draft, and my rent check bounced.

Loans Guide answers:

I would calmly explain to them that they have seven days to provide documentation of EVERY penny. Tell them if they fail to justify or return the money in that time, your attorney will contact them. You always wanted to OWN a payday lender.

Thomas asks…

need a payday avance?

ive tryed most leading lenders but all are awkward for example only take on people who are paid monthly or got a checkbook or earn over £250pounds a week i earn £210 a week and paid weekly with no checkbook but have a debit card please help im in need of a small loan weather it be a payday or small cash loan im currently a discharged bankrupt of 4 years manythanks in advance
timmy h

Loans Guide answers:

Hey Tim,

Most folks that use this are in the United States and since you reference different currency I think it would be hard to help you… We have many loan places in the states for the situation that your in but you don’t mention where your from… I hope you find help….

Good luck,

Linda asks…

Bad credit cash advances?

Due to medical expenses we have fallen behind on bills, rent, utilities etc. My credit score is not very good because of these recent problems. I have been trying to get a payday loan. Friends have reccomended a few websites. Each one I go to says they will match me with a lender. I fill out the application and get redirected to another website that says they will match me with a lender. Does anyone know of a legitimate website to directly apply for a payday loan? I am only in need of $1000 to cover the rest of this months rent.

Loans Guide answers:

I’ve never seen a payday loan offered for more than $500. I believe medical expenses are either #1 or #2 of the leading causes of bankruptcy. IMO, perhaps you should consider bankruptcy. Those medical expenses would be wiped clean and you could have a fresh start. Plenty of people have rebounded from bankruptcy, too.

In regards to your medical bills, you can cut a deal with the hospital/physician billing people. This is exactly what insurance companies do, so why shouldn’t you be able to? When you have insurance and they tell you it will be $100k for a kidney transplantation, do you really think that’s how much the insurance company paid? No, they told the hospital what is the lowest amount of money you are willing to take for this operation. A lot of Americans don’t know that if they can’t pay their medical bills, call them up and cut a deal. Tell them what you can pay and they can take it or leave it. If they are smart, they will take what you can pay and avoid you going bankrupt where they get nothing out of you.

This is a little bit of a sour issue for me because I just don’t understand why the wealthiest nation on earth can’t provide affordable health care to those who need it. Even small countries like Sweden have basic systems that work… In Sweden there is a cap at $100 for outpatient services, $230 on prescriptions and $10/day on inpatient services…

Carol asks…

Grammar check please?

The interest rates on payday loans are always higher than regular loans because they are risky for the lender and only last a couple of weeks.

Loans Guide answers:

Not bad, but this would be better: The interest rates on payday loans are always higher than those on regular loans because payday loans are risky for the lender and last only a couple of weeks

Richard asks…

Do you think its funny when McCain supporters still say they dont know what Obama’s change is?

Here comes all the “empty suit” references from the rightwing mouthbreathing, knuckledragging squad.
John McCain/Bush stands for a third term of the disasterous Bush administration, the guy should be stuffed and mounted and put in a museum somewhere in South Carolina.

Here are some of Senator Barack Obama’s positions:

Opposed the Iraq war from the start.
Voted to end the war in Iraq.
Supports capturing and killing Osama Bin Laden.
Favors a $1000 tax cut for every working American family.
Will implement tax form simplification to reduce filing time.
Provide tax credit for all middle class homeowners.
Provide a tax cut for all families making less than $75,000 a year.
Amend NAFTA to protect American workers.
Amend NAFTA to strengthen environmental protections.
Providing Flex Ed training accounts for workers.
Extending Trade Adjustment assistance to service workers.
Supported Patriot Employer Act of 2007 that gives tax credits to large companies that keep workers here in America.
Double funds for basic federal research.
Implement a long term research and development tax credit.
Invest in green technologies.
Reduce carbon emission gases.
Tackle the challenges of global warming.
Create an energy focused youth jobs program.
Create Federal Renewable Portfolio Standard.
Extend the Production Tax Credit.
Expand Broadband into every community.
Keep the Internet tax free.
Expand high speed internet access in rural areas.
Fight for passage of Employee Free Choice Act.
Ensure freedom to unionize.
Would overturn “Kentucky River” classifications of Bush’s NLRB
Protect rights of striking workers.
Increase the mininum wage to index it to inflation.
Crack down on predatory lenders.
Provide a universal mortgage tax credit for homeowners who don’t itemize.
Sign the Stop Fraud Act to prevent lending fraud.
Mandate accurate loan disclosure.
Create a fund to protect people from foreclosures.
Close the bankruptcy loophole for mortgage companies.
Establish a credit card rating to improve disclosure.
Ban utilateral credit card charges.
Apply interest rate only to future debt.
Prohibit credit card interest on fees.
Prohibit Universal defaults.
Require prompt and fair crediting of cardholder payments.
Protect working people from unfair bankruptcy laws.
Ban executive bonuses for bankruptcy companies.
REquire disclosure of pension investments.
Cap outlandandish interest rates on payday loans.
Implement legislation to drive unscrupulous lenders out of business
Create a bankruptcy exemption for people that went broke because of medical bills.
Double funding for after school programs.
Extend Family and Medical Leave Act.
Encourage states to adopt Paid leave.
Expand the Child Care Tax Credit
Supports ratification of UN Convention Rights of Persons With Disabilities.
Supports independent, community based living for people with disabilities.
Expand educational opportunites for people with disabilities.
Expand job opportunities for people with disabilities.
Strengthen civil rights enforcement.
Sign into law the Fair Pay Act.
Sign law reversing recent SCOTUS rulings that permitted discrimination against women.
Sign law reversing recent SCOTUS rulings that permitted discrimination against racial minorities.
Strengthen federal hate crimes legislation.
Eliminate the sentence disparities regarding crack cocaines.
Establish drug courts for first time, non violent offenders.
Create a prison to work incentive for those transitioning back into society.
Passed a law to prohibit the practice of racial profiling.
Supported reauthorizing the Voting Rights Act.
Opposes all discriminatory barriers to voting.
Helped reform death penalty system in Illinois to protect innocent people on death row.
Voted to ban cluster bombs.
Provide high quality affordable child care to families.
Will quadrulple Early Head Start funding.
Will increase Head Start funding.
Creates early learning challenge grants.
Abolish overly rigid teach to the test curriculum in schools.
Improve accountability in public schools.
Invest in intervention strategies to reduce dropout rates in schools.
Increase funding for afterschool programs.
Supports Step Up program to increase summer learning opportunities.
Support English language learner programs.
Expand college outreach programs.
Create teacher service scholarships.
Requires all public schools to be accredited.
Create teacher residency programs.
Create the American Opportunity Tax Credit for higher education.
Streamline financial aid application.
Introduced legislation to increase Pell Grant to $5,100.
Reduce carbon emissions by 80% by 2050.
Confront deforestation.
Promote carbon sequestration.
Accelerate commercialization of plug in hybrids.
Promote development of commercial scale renewable energy.
Invest in low emission coal plants.
Transition to new electric digit grid.
Double science funding for clean energy products.
Create Green Jobs Cor

Loans Guide answers:

No, because they do know. And they also know that it is a bunch of BS and will never happen.

“Provide a tax cut for all families making less than $75,000 a year”

Wow.. What happened to the $250,000? Now it is $75,000? What will it be by the time he takes office??

Tax cuts for those that don’t make anything???

Nice points dude!!

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Legal Ways To Avoid Bankruptcy

August 4, 2010 by Loans Guide  
Filed under Bad Credit Loans

If you have problem in your financial situation and your choice is to settle as the way to remove your money debt obligations, then don’t worry, you can easily avoid bankruptcy. There exist numerous legal ways using which you can avoid bankruptcy. But the only thing you need to do is to take help from legitimate financial firms that specialize on this kind of problems.

For the moment crisis is finished and the economy begins to earn financial profits. In recent year, the number of financial firms that offer legal help in the process of declining money obligations and debts of individuals has increased greatly. So it’s obvious that this year can be successful for debtors for the reason that they can easily apply to those firms for helping them to solve their financial problems. This kind of help is usually provided with high quality results, they can help you to lower your obligations more than on half. That means that if the financial firm will help you to lower your debts, for example on 65%, you must pay only 35% of your debt. That’s great, isn’t it?

If your case is proper and can be solves with the help of financial companies by lowering your money obligations and so your debts, that means that you are able both to avoid bankruptcy and also to protect so called credit records. In case if you have filed bankruptcy, that will have such consequences that your credit score will be found in the black list and surely you are going to have further financial troubles in coming future. If you have chosen to get help from financial companies to deal with your debts, that means that in your future will not be statement of bankruptcy, because those firms will show you the best and legal ways to get rid of your financial trouble and debts. There are two ways of how usually financial firms acts. Firstly, they can get a new loan for you for dealing with your money obligations. Second way is to lower your debts with a help of legal process of negotiation. That’s why it’s the best way to avoid bankruptcy and to get rid of your debt trouble without influencing on your credit report.

Nowadays, every single financial firm can guarantee to help you by providing reduction of your money obligations and debts minimum at half. Financial experts can invent some solutions and advices to make you see your debt trouble clearly, thus you can deal with it in clever way. In case if you will be guided by those advices and solutions which were invented by financial firms, then it is certain that you will avoid bankruptcy and your financial problems as well. Just pick out a good one to help you!

Almost all of us remember the times when it was possible to buy a thing even if one hadn’t got enough money. Loan was a simple way out. It is little wonder that now many of those who hunted for a loan, are searching for how to avoid bankruptcy.

Those people who happened to get into the condition when their expenses exceed their earnings, definitely have to search for ways to avoid bankruptcy.

If facing such difficulties it is smart to use any ways to get over it. Use such wonderful chance as the Internet technologies. Using them at full capacity could give great results. Making use of search engines, forums, social networks,web sites one will discover many tips to avoid bankruptcy and a great deal of other important info. Also signing up for RSS on this blog will help to be aware of new publications and tips on the topic.

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