Reading by Lamplight

Trista Signe Ainsworth recently wrote about her collection of silver spoons and what they mean to her and then prompted us to write about our own precious treasures. At first, I couldn’t think of…

独家优惠奖金 100% 高达 1 BTC + 180 免费旋转

Help 911! How can I negotiate a payment plan with payday lenders?

I am struggling with payday loans and have come to my wits end. I am tired of renewing and paying interest. By the time I am done, I don’t see any of my paycheck. I would like to try to pay down” the loan bit by bit instead of renewing all the time. Will they refuse to work with me.”

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How to raise my credit score?
i checked on the annual credit report and it didnt say who the creditor was. just that the account was charged off 2 years ago. I can wait a month and buy the car for cash but i really want to raise my credit score. I want to just put 8k down and finance 8k so i can get some recent credit on my report, with my girlfriend cosigning who has a credit score of 650. Is there a bank that would accept that?””
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“”When buying a used car, is there any way I can use the auto loan to purchase new tires?
I am buying from a private seller & I would like to somehow use the auto loan to purchase some new tires. I just don’t know whether it’s legal or how to go about doing it.
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Should I file bankrupcty — deed in lieu of foreclosure condo?
Hello, I have an investment property that I have had on the market for a year as a short sale. It was originally my residence, but then I moved out, got married, had 4 kids and have a primary home now. Lost tenants and my job and had to accept lower pay and with the 4 kids, can’t afford the second mortgage. I have had great offers, but the bank has rejected all of them. (6 total). Their appraisal has come back three times 30k over what they are selling for. Anyways, they rejected all the offers and closed my file. I had no other option but to file for a deed in lieu of foreclosure with the bank. I won’t know if that is approved for 30 days. But what does this mean? Will I be looking at a huge deficiency or judgement? I can’t afford either. Should I file bankruptcy now?””
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Pending Lawsuit and Pending Bankruptcy?
A friend of mine did a very stupid, stupid thing. He let his auto insurance lapse. He got into an car accident that was his fault. The other driver’s insurance company is threatening a lawsuit for the cost of the accident. The total cost of the car damage and medical bills is over $15,000. The insurance company has not sued him yet. But they are going after him with phone calls and letters and asking him to pay up. My friend is bankrupt and he is going to file bankruptcy. If he files for bankruptcy and this potential civil suit is hanging over him, then what happens to him after his bankruptcy is concluded? If the insurance company waits to sue him after his bankruptcy case is over, then he is on the cuff for that judgment because he can’t file bankruptcy for 7 years. Right?””
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How can I take out a loan from a bank?
I am 20 years old still living w/ parents, I want to take out a loan to buy me a new car, but I don’t know the first step to take! Should I take out the loan with the bank or the dealer which is best? What do I need to get a loan? I have about 10,000 saved and I want to take the money from the loan and what I have saved and buy me a new car! So, any advice is great!””
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Will the credit card interest rate increases happening negatively effect my credit score?
The increase in my credit card interest rates are not due to anything on my part, but will it make my credit score go down? I know it used to be that if you defaulted, failed to make a payment, were late, or went over the limit they would report it to the credit agencies and your credit would go down. But this time they are all going up, to no fault of mine. (Thanks Gov!!) Any ideas?””
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Hi need to get a credit report done online to show to my mortgage broker?
Need a credit report ASAP to show to the broker tommorow Thanks
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“”When the feds reduce intrest rates, does that make mortgage rates go down?

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#repost

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How bad will this affect my credit rating?
I had a bank account that with a mistake apparently got overdrawn a while ago…the bank closed the account and said it was reported to Chexsystem and they told me that would make it hard for me to open an account with another bank. Now, the overdraft was only about 30 dollars and I since paid that off through the collection agency but what I want to know is how bad will them reporting me affect my credit rating? I dont really care about opening another bank account right now as I already have another one that I have never had any problems with…I just want to know how bad will that report affect my credit rating and will it show that it was only 30 dollars and it was paid off already?””
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#repost

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I have no credit and want a credit card?
i dont have a bank account savings checking nothin but i need the card to pay off bills. and i work self employed what do i do and if i get a checking account does it make it easyier to get a credit card
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“”What is the origin and meaning of the word rausclaut””””?””””
Thanks pinkie but it aint there.
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How does one start a small soft drink company?
I’ve got a few soft drink recipes that I’ve been working on in my food lab for a while, and I’d like to get then out on the market locally. I’m looking for the best place to get 200–300 PETE bottles and custom labels to bottle my drink. Where can I acquire these? Most of the Internet retailers do custom bottle jobs on prepackaged bottle water, but none that I’ve been able to find stock the empty bottles themselves. Another one of my major concerns is health. How do I make sure that my drink will be safe for consumption after sitting in the sun for three days? I don’t want to add tons of additives, and I’d like to keep boiling and other heat preparation to a minimum in order to preserve the flavor. I don’t expect overnight success but am looking for direction on where to begin.””
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My private student loan (no fixed rate) payment keeps going up. What do I do?
have my Bachelors, but it has cost me big time. I took out federal and private loans. At the time I did not realize the trouble I would face with the private loans. Since 2005 my payment (I have consolidate the private loans already) has went from 300.00 per month to now 430.00 per month. If this keeps going up I have no idea how I will pay it. I have considered bankruptcy because I do not see a way to stop the rate from going up. Any suggestions?””
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#repost

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I need a loan for a car around 4000 i live in WI?

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#repost

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Should I stay at the State college that I am already enrolled in or go to community college and get a job?
So I am a bit of a tightwad and this makes me unsure of what I should do about getting a degree. I am currently enrolled as a freshman in a state college as a biology major but I don’t know if I should continue my schooling there (which will be more expensive now since I can’t reapply for the big scholarship I got this year) or come home, go to a community college and get a job…? Oh and I am a good student (All A’s this year except for 1 B) so that doesn’t figure into my dilemma….but I haven’t been able to get any big scholarships this year :(…Anyhow, what do you think I would be better off doing…staying at my state school and getting loans or coming home for community college and getting a job? Any advice will be appreciated :D””
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What is the best way to bring up your credit score?

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What is the best credit monitoring service to use?
I would like to know what is the best credit monitoring service to use. I want to be able to see my credit scores from all three credit reporting agencies, get alerts when credit is ran, all three credit reports, and be able to protect my credit with a password. Any idea what the best option would be?””
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Eny Body herd of ( IMAGINE 1 PROC FEE )?
I was trying to get a cash advance online but I dident get the cash advance , & I was charged (IMAGINE 1 PROC FEE ) to my bank account ,wondering where it came from. recently I ran into loaning site & its seem like foammy website. giving them all my personal information like , Bank routing number. soucial secuity number. mother maden name . ect…. Has eny body herd of ( IMAGINE 1 PROC FEE ) eny body else out there having the same problem ? Im afraid My info is on the loose, I can only hope ,Cash advance site was safe & secure. if eny body else is having the same problem ( IMAGINE 1 PROC FEE ) ?””
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Can you file Chapter 11 bankruptcy after having filed Chapter 7?
I filed personal chapter 7 bankruptcy in 2007. I now own a business, a daycare, that is failing due to so many parents being out of work. Is Chapter 11 the proper bankruptcy to file for this type of debt, and if so, am I eligible?””
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Community College or ITT Tech Institute?
I am planning to take a drafting and designing course next semester. I am confused about which school should I go: the Community College or the ITT Tech Institute. One of my friends told me that an associate degree in computer networking will guarantee me a job. What do you think? Will there be any demand for a drafting and design associate degree any real soon. My skills are more towards drafting and designing,but I need a job soon too. Please help with suggestions. Thanks in advance!””
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What happens if i didnt pay my payday loan for the cash store?

“Help 911! How can I negotiate a payment plan with payday lenders?

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“”I’m trying to get my free credit report through the mail, what do I need to do?””
I’m a Canadian and I’ve found out that every Canadian is entitled to request their credit report for free every year but it must be done through the mail. I’m going to fax my information to the office that will process it, does anyone know what I need to include in the information? I need 2 types of ID right? Will my driver’s license and passport be good enough? What else will they need?””
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10 POINTS to the person with the correct answer… show work please?
A payday loan company charges 3.6 percent interest for a four-week period. What would be the annual interest rate from that company? (Round your answer to 1 decimal place.)
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#repost

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Please please please help!!!! PLEASE!?
To make a long story short, I tried to get my credit report information online from annualcreditreport.com, and it asked those personal questions confirming who you are. It asked what company i took a mortgage loan from in 1998, and what year i did, as well as an auto loan in 2002! I have NO idea where these came from. I was 10 in 1998!!! Theres no way i could have done that! And now my information is frozen. Therefore, I CANNOT get a report of my credit AND I havent even seen it yet! (because its frozen) I put a fraud alert on my account by calling Experian, but there were no live people to talk to, so i couldnt get help. i dont know what to do. I’m 19, my parents wont help me im completely lost, please help!!!!””
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I need to find a auto loan like asap?
The credit union denied me…..
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#repost

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How do I find a loan shark in Orange County ca?

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Is it hard to get a auto loan approved at m&t bank?
I’m 19 years old with no credit & with 2 steady income jobs. I also get financial aid checks from my school every semester that’s about $1,500. I’m trying to buy a used car from a private party. I need a auto loan for $3,000 from my bank (m&t). My dad has agreed to co-sign for me. Will it be hard for me to get approved?””
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#repost

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How do you declare bankruptcy on your credit card ?

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#repost

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How much could my credit score increase?
I am only 18 and i went through my bank and got back a credit report for all 3 companies and were all 580 and lower but all items on my credit report were negative and all do not belong to me and i have disputed them and if all of them were to be taken off and my credit report was to be totally clean for all three how much could i expect my score to jump
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Where are the auto loans for persons with credit scores in the 400's?

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Another auto loan question…?
i bought a used car that has a pretty high interest rate. the good thing, is the loan is only for $8,000 I took this loan out to hopefully boost my credit rating so that when the time comes to buy a NEW car that i actually want and love, i wont have the first time buyer disease and have a good payment record on an auto loan behind me. I can afford to pay this loan off in about 5 months. My question is, whats going to be better for my credit rating? should i have at least a year’s worth of payments or should i just pay it off as quickly as possible?””
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#repost

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Where can i get my free anual credit report?

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Only answer if you know about business bankruptcy..please?
I am going chapter 7 for my buisness that i had 10 years. My cousin is opening the same type of shop in the area. I want to give him my phone number , so he can have my customers. I am not reopening another shop. Can he take over the phone number.””
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#repost

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How does the Fed control mortgage rates?
I know rates have been going down cuz in Feds have been buying more bonds in the market. But how does this make the rates go down? Right now mortgage rates are starting to climb back up. They are tied directly to the 10 yr bond. What does the Feds have to do to keep rates low, and what do they do to make them go up? I’ve never understood the way mortgage rates work w/ the 10 yr bonds, pls advise, 10 pts!””
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Is there a website for a free credit check that doesn’t require a credit card or debit card?
im am trying to check my credit score but every site i go to says that u have to have a credit card or debit card for a one dollar charge and a like twenty four dollar membership and i dont want that i just want to check it one time
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I’m in the military. What is my best option for getting approved for an auto loan?
I’m in the procees of rebuilding my credit. I currently have NO credit score. In 2005 I was financed through GMAC and a friend totalled my car. I went to boot camp soon after before I could handle anything. There was a mixup with the insurance company and the vehicle was written off as a total loss on my credit while I was there. I don’t owe any money on it, but it hurt my score. My score went from 5 something back to nothing. So its like I’m just beginning again I suppose. I’m just trying to figure out what my best option is for getting the best chance at financing another vehicle.””
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#repost

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Legitimate payday loans?

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Is it smart to combine 2 auto loans into 1?
I have 2 auto loans. The first I owe about $16,000 for the next 3 years and the second I owe about $11,000 for the next 4 years. I want to try and save some money each month by doing this and I am not sure if this is a good idea or not? Also If this is a good option what type of loan would be good? I already have a Home Equity. I guess Personal would be my only other option? Tell me what you think?””
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Is loan refinance the best option all the time?
auto loans, auto refinance, home loan refinance, car finance, bad credit mortgage refinance””
“Help 911! How can I negotiate a payment plan with payday lenders?

“
What’s a good anime series like history’s strongest disciple kenichi and naruto?

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Paying on a cruise ship?
I am taking my first cruise the beginning of June with my boyfriend. This is a somewhat last minute thing (we have been planning it for about two months now and it leaves May 27, I consider it pretty last minute!) We have not yet bought our cruise tickets, are planning to do that within the next two weeks, but I do have a few questions as I have never cruised before. I understand you have to supply the cruise with a credit card when you board, which they then run through for an approval of amount to see how much you can spend per day or throughout the entire week. I have heard that they take this amount as a deposit. Is this true? If so, if I have a credit card with a $1000 limit and they approve, say, $800, are they going to take that from me leaving me only with the $200 left on it to spend and holding that $800 for security, or am I using the $800 they took? Can I use a debit card instead of a credit card for this, if so, how does this work? I am asking because I do not have a credit card. Never opened one up, simply because I pay for all my purchases cash or debit card in full. I save until I can afford something rather than making payments. Should I go through the trouble of opening one up just to get some extra spending money? I have no credit so would probably not be approved for very much unless I gave in to an incredibly high interest rate, but honestly this trip is to have fun, so I’m okay with spending now and paying a lot later (especially seeing as it would be building up my credit). Also — I know it is always good to carry cash. How much is a steady amount to have on hand? $200, split between ones, fives, tens and twenties? I have also been told to have some foreign currency on me for taxi or anything needed, but seeing as we are going to four different places (Haiti, Cozumel, jamaica and cayman) would I go through the trouble of getting currencies for all of the countries? (Forgive me if they use the same currency, I’m not too up to date on how they pay!) I understand this is a lot of questioning, I just want to be prepared! Easy points for somebody who has cruised before! It is Royal Caribbean also, if that information is needed.””
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#repost

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18 year old trying to build a good credit score?
Hi everyone! I’m a student and i want to start working on my credit score for my future. So far I applied at 2 different banks for credit cards, waiting for approval. Also applied for a gas card at Shell. I know the goal is to basically show that I can payoff my bills on time, and my credit score will be going up. I just wanted to know if any of you, who have more experience with credit cards and building up credit score, think Im going the right direction here? What else should i do? Any other advice? Any help is appreciated Thanks Kris “”
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What is the finance charge in dollars?
Tim Worker decided to purchase a new television on an installment loan. The television was $565.00. Tim agreed to pay $51.00 per month for 12 months. What is the finance charge in dollars?
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“”What is the best makeup that I can buy at walmart, target, or walgreens?””
Also, price is kinda an issue. I gotta stay on the lower end of the price range.””
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How can I check my credit score if I still live with my parents?
I have a few credit cards and would like to check my credit score to see if I can get an apartment. However, I am living at home with my parents still and all the online applications ask me to choose whether I’m RENTING or OWN a home and I do neither so the rest of the questions don’t apply to me. Is there a way for me to check?””
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#repost

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How old do you have to be to get an auto loan?
They will not give my mother one because she has an open loan.
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The most effective identity theft protection programs?
Does anybody know The most effective identity theft protection programs? many thanks
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“”How much home loan will i get from sbi, hdfc,icici bank on my net salary?””
hi,i am from maharashtra..india.i have to take home loan from any suitable bank .my net salary 23500.how much loan will i get on different period.i select 20 years or 25 years period for repayment .how many days it will take to sanction? Which will be more beneficial and affordable.if you know or experience .please give me info.thanks.””
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Dont the freecreditreport.com guys ROCK?

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What is my credit score?

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What is the best and safest free credit report site that doesn’t require a credit card?

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Ally took my 810 credit score to 670. Can I sue?
I’ve never taken anyone to court. However, this whole situation I’m in has fueled me with complete anger. I always pay my bills. In fact, just before this thing happened, I had a credit score of nearly 810. I leased a car back in 2008. In 2010, a company called Ally took over the lease. I was to send my payments to Ally for the remainder of the lease. I did this — every single payment was made via direct deposit. My lease ended in the summer of 2011. I turned the car in to a local dealer (non-smoking / super condition). I was told the car would be inspected days later and I would notified if there were any problems. I wasn’t worried one bit. The car looked and ran great. No problems. HOWEVER, I get a letter in the mail stating that the PLASTIC hubcap on one of the rear wheel had a crack in it. They sent me a bill for almost $150.00. I told them I didn’t do it. I told them I wasn’t going to pay. Moreover, I looked up parts and found that the plastic hubcap replacement cost was 30-some bucks. So a month or two rolls by. We start getting calls at work from a debt collection agency. I told them the story. They pretty much told me to suck it up, take the blow, and move on, else my credit rating would be hit. She offered me a settled”””” price of $80.00. I’m so ticked off to say this””
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Id like to find an absolutely free online credit report online?
Does anyone know where I can find a free online credit report to pull up online without the hidden costs of any monthly fees or one time charges? Your help would be greatly appreciated. Thanks..
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Where can I get afree credit reports?
I have been looking on line and every site ask for my credit card info. There use to be a totally free site.
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How do non-qualifying home loans work and how can I find them?
What are the pro’s and con’s associated with non-qualifying loans?
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I am trying to find out if my bankruptcy has been dropped?
it is filed in georgia i need a web site so i can find out information about it
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#repost

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Where can I use my discover checks.Can I get cash with them.?
I just received checks from my discover credit card where and how can I use them.
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Bad credit/no credit credit cards?!?
I just turned 18 and I’m looking for a student credit card to build credit. I applied for a Discover card and a Citi student card and was denied for both. I had overdue library fines, from years ago and they but the were wiped earlier today. Could this be why I was denied? If i was denied once, will I be denied again? Any tips!?””
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I went to a payday loan place you know they hold a check to next pay day well at first i was doing fine with?
first i was doing fine with it until i lost my job and had to file bankruptcy . i let them know i had filed bankruptcy and they said okay three week later the checks was sent to my bank and cause my checking to be overdrawn can i sued them for this .it happen on a saturday my lawyer office is closed but i have other checks coming in i do not know what to do.
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Struggling to Pay payday loans?
Has anyone gotten in a finacial jam and had payday loans that you could not afford to pay or you struggled to pay? If so how did you handle it? I wont’ say how many I have out, but I have robbed peter to pay paul waaaaay to many times at this point and I’m in pretty deep. If anyone has any suggestions or how you handled a situation it would be greatly appreciated.””
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I bought something online with a credit card but my online banking doesn’t show I used anything?
I just got a new credit card, I activated it and used it for the first time to buy something online about 7 hours ago. I signed on to my online banking account and it doesn’t show that I made any purchase or owe them an amount yet. I got a confirmation email from the online site where I bought stuff. So I just wanted to know if it takes a couple hours for the credit card to process? How long until I start seeing the amount I owe on my online bill?””
“Help 911! How can I negotiate a payment plan with payday lenders?

“
If you purchase a money order with a credit card will that count as a cash advance?
I need to pay my lawyer and she doesn’t accept credit cards. Shell take a money order but will that count as a cash advance? My card is interest free and I want to avoid paying interest.
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Which would better increase the chances of an auto loan approval?
We applied for an auto loan and was denied due to too much debt already (we just had a baby a few weeks ago) but are receiving our tax return this week. We are paying off two of our biggest debts and still have about $1400 left over. Would it be better to put the $1400 toward the car and reduce the loan amount we’re asking for, or to pay it on our student loan (the only other debt we have aside from the loan on our only other car) and drastically reduce the amount owed on it so it shows we have less debt? Any advice would be appreciated. We really need two vehicles with a baby, especially since the first is a 2 door and the trunk is so small the stroller won’t even fit in it! Also, does anyone know how long it would take to show on our credit report that those loans/debts have been paid off?””
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Where can I find a unsecured personal loan that is not a payday loan?

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Is there a way to re-apply for the Emerald Advance?
H&R Block gives out Emerald Advances every year. I went down there last year and was approved for a loan, and never had received one before. I made only 8,500. They said you had to make at least 10000 to receive it. I also was only expecting a refund of 4507 last year and received it. I went do to the office today to try and get the Emerald Advance. I made 9819 dollars this year and are expecting a refund of 4600. I was denied this year. They told me it was due to not meeting the projected income eligibility requirements. I called the bank, they told me the same thing that the lady at the office told me. I called the 1800 number for H&R block itself, and the Representative couldn’t tell me why I got denied. But I noticed a mistake I had made. I over looked a pay stub and gave the lady the wrong one, missing almost 500 dollars worth of income. Which would bring my grand total up to 10,290 dollars. I am curious as to if, I can re apply… and if this would better my chances. Because, after all they did say you had to make at least 10,000. But it wouldn’tt make sense as to why they would approve me last year with only 8500 dollars worth of income and then turn around and denied me this year with 9819. I dont know… I dont know if I can re-apply.””
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Would the title to my truck be cleared if I filed bankruptcy?
Would the title to my truck be cleared after I filed bankruptcy? Would the bank still have a LEAN”””” on the title to my truck?””””””
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#repost

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“”If I filed Ch. 7 bankruptcy in 2005, will I be able to file again in 2010?

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Do anyone know where I can borrow $2500 with not so good credit?
Banks and all other lender turn me down..need to pay rent and to finish puting myself throught school. i can start repaying back n bout 6weeks
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If unemployed can you get reduced auto loan payments?

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Will an apartment eviction hurt your chances of buying a house?
I may be evicted from my apartment and am wondering if this will hurt my chances of buying a house.
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How much mortgage will I qualify for?
I make approx. 80,000 annually. I still owe about 20k on my auto loan and I have no credit card debt. My credit score is good. I just want to have an idea before i go to the bank.””
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#repost

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Any loan sharks in thesussex area need to borrow 300 pounds urgent?
uk only
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I heard there is websites where i can get my credit score free biut i cant find it do anyone know of one?

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Rent-A-Center and credit??
My husband and I just finished paying off a computer from Rent-A-Center. It was the only way we could do it, because we’re a young couple and have no credit. We paid it off in the first 90 days, so we didn’t have to pay over 1,000 bucks for it. We paid like 700 or so. My question is, do places like Rent-A-Center do anything for your credit? And if not, any suggestions on how we can build credit?””
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Is 6.9% a decent APR for an auto loan?
If it’s relevant, the loan was for a new 2008 Toyota Prius that I got one year ago. It was my first auto loan and my credit score was just over 700.””
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I need a money loan with bad credit?
will be able to pay back in full in 5 months. Something with low intrest rates.
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How do I get my once a year free credit report?
I did it once however I forgot which website. I do not want to sign up for any membership.
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What is credit history? and where to i find information on it?

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Did Barak Obama recieve foreign student aid in his college student loans?

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#repost

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Should one take home-loan for long-term or shorter term?
Normally which makes better sense: should one try to repay home loan as early as possible (with huge EMI) or should one make the period as long as possible so that one can invest some amount of money to get good return in future? In particular, if the situation is such that one is going to purchase a flat where one will probably not stay for the rest of life and eventually will shift to some other residence, then what should be the strategy? I feel that in all such cases, it is better to keep the loan repayment period as long as possible (even though the net loan payment will be very high in this case). I have not done any calculations myself. What is your opinion?””
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#repost

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Can I keep any cash after filing for bankruptcy?
If I’m filing for bankruptcy, what will happen if I cash in an RRSP and rat hole the money away? I’ve been searching around, and I talked to someone who went through with it, and they said their lawyer told them to clear all their bank accounts of any cash and put it away. This person also went and ran up their credit cards on the eve of bankruptcy, because, Hey””
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Which artery is best for checking your pulse?
carotid artery brachial artery femoral artery tibial artery
“Help 911! How can I negotiate a payment plan with payday lenders?

Reading by Lamplight

Help 911! How can I negotiate a payment plan with payday lenders?

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