From the category archives:

Payday Loans

PayDay loans are not as advantageous as they are portrayed. Anyone opting for payday loans are sure to get into serious debts. This article explores the truth behind the payday loan schemes.

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No matter what the debt collector on phone says, you must remember one thing during the whole process. “Payday loan is a civil debt. It is not a case of Check Fraud.” Following are some of your rights during the collection process. We have compiled this list based on Fair Debt Collection Practices Act.

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Myth is that Payday loan debt collectors are not easy to deal with. They act like mafia and often use threats to life and property to get every last penny out of you. We think that if you keep following tips in mind, you will be able to deal with payday loan debt collectors like a breeze.

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Pay day loans are quick fix solutions to financial problems and mostly people who have no other financial resource end up using these fast solutions, without the help of a credit counselor. It is always advised that one should have credit counseling for pay day loans, as usually there are always better ways to fix financial situations than payday loans.

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In order to earn fast cash you should avoid consumer credit counseling which cannot help you immediately. The best practice here is to consult a counselor, who can categorize your finances, so that you will be less at risk of needing a payday loan in the future.

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A Bad Credit Payday Loan resembles to any other type of payday loan in a way that it is an advance that you can borrow on your next paycheck against which you have to pay a small fee.

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As regulations get tightened up, and payday loan industry in under fire from law makers and consumer support groups, It is wise to look ate some of the better alternatives to payday loans. In next few days, we will take a detailed look at following options and compare them with payday loans.

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A payday loan company that charges any amount that is greater than the legal interest rate will not be allowed to sue to recover any debt due to the illegality of the interest rate. In short, predatory lending is costing families billions of dollars each year. Usury laws are aimed at tracking down and stopping lenders from charging ridiculously high prices.

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