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Debt collection is a huge industry these days with 30 million Americans having an average of $1500 in collections. Payday loan collectors have become part of the debt collection industry that spends countless hours making phone calls, sending emails, mailing letters and searching for debtors on the Internet and social media sites.
When a debtor goes into default with their payday loan, payday lenders attempt to collect on that debt the same way a credit card auto loan collector would. First they call or send a letter, then when you don’t respond they continue to call. If they can’t reach you they may call your employer or references listed on your loan application. If they still can’t find you they may look at your Facebook or Twitter to find out if you have changed jobs or moved. They will go to great lengths to get you to pay. Not only because the lender wants their money, but because that is how the collector makes their money.
But what is it really like for debt collectors and agencies trying to get people to “pay up”? There’s a lot more to payday loan debt collectors and all other collectors that we don’t know about.
1. They keep the country’s cash flow going- With more than 10,000 debt collection agencies collecting over $8 million per year; our economy would be hit pretty hard if that money wasn’t recuperated.
2. The more you pay, the more they make- Debt collectors make bonuses based on what they can get you to pay. Top performers can make over 10K per month. Some may be pushy while others are very nice. Whatever their strategy, they benefit from you paying up!
3. They hold the power! – In most cases, accounts that have gone to collections have a pre-approved settlement rate of about 15%-35% of the total debt. That means a payday loan collector has the ability to settle with you at a lower amount. This holds true for credit cards and other debts.
4. They make take a low-ball offer- Many collections agencies buy debt from creditors for pennies on the dollar which means if you, the debtor, low-ball a settlement offer they may just take it. Try starting at 25 cents for every dollar you owe.
5. They play “good cop, bad cop”- When they have you on the phone they may say they have to get the manager involved to put pressure on you to pay. Don’t assume it’s because they are going to forgive the debt or make it any easier for you.
6. There is a statute of limitations on debt- There are statute of limitations on collectors filing lawsuits and reporting to credit bureaus (varies from state to state) so check to see if your debt is passed that time and closed. Be aware: if you don’t make a payment, no matter how big or small, or even acknowledge the debt, that opens it up again.
7. They love to call you at work- If you are considering taking out a payday loan and aren’t sure if you can pay it back, be prepared for a collector to call you at work. This puts extra pressure on you when they call your place of employment. If you tell them not to call you at work anymore, by law they must stop.
8. They are bound by laws- It is illegal for a payday loan or any other debt collector to call you before 8 a.m. or after 9 p.m. They are not allowed to threaten you with arrest either. If you experience this, report them to your state attorney general’s office as well as the Federal Trade Commission.
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Quick online payday loans are the best solution for any monetary problems. There always comes a time when the money we have is not sufficient. Friends and relatives might help but it is not always enough. In these instances, getting a loan is the most logical thing to do. Regular ones are hard to come by with all the background checks being done. They also take time to be finally approved. Quick online payday loans are the only possible option.
Overview of Quick Online Payday Loans
This type of loan is considered as a cash advance on your upcoming salary. It usually lasts only a month as the common stipulation is that the money is taken from your paycheck. However, there are times when the loan can be extended depending on the contract and leniency of the lender.
This loan is unarguably the fastest you can acquire. Most are credited to the bank account overnight. There are also some lenders that have a quicker turnaround, specifically a matter of hours.
The amount one can borrow is entirely up to the salary of the borrower. With a higher salary, the threshold also increases. Companies also differ in limit from one another.
Getting a loan is great if a person wants to avoid stress. The loan will help you pay off unexpected expenses and give you some breathing space. Once the debt is paid, the borrower can approach future problems calmly and with a clear mind.
Best Time to Get Quick Online Payday Loans
People are usually in need of a loan whenever sudden accidents occur. Hospital bills are no joke and sometimes insurance does not cover everything. If you are the one at fault, it will cost a lot and a loan could save you unnecessary jail time for not reimbursing.
It is also necessary to get a loan if you somehow mismanage your funds. It could be due to unnecessary spending or impulses. Whatever the reason, a loan can certainly save you the moment you need cash instantly.
Requirements for Quick Online Payday Loans
The number one requirement is that the borrower is a citizen of the United States. Aside from that, he has to be at least 18 years old. In some cases, citizens of Canada are also accommodated.
More importantly, the borrower needs to present some proof of income. The most common evidence presented is an employment record. It is also possible to present other sources of income such as stock dividends.
In case the person is employed, he has to be a full-time employee. Part-time employees and consultants will usually have a harder time as they do not have any job security. Furthermore, part-time employees are usually granted smaller loans due to their smaller salaries.
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Clearly, the practice of internet dating has benefited many people around the globe and, undeniably, many successful relationships have started online; however, cyber dating comes with a slew of dangers. The lack of personal, one-on-one contact can make it difficult for an individual to ascertain the motives and honesty of the person he/she is courting. For this reason, many high-end, reputable online dating sites filter applicants to make sure that the information being presented is legitimate. Even so, the person utilizing an online dating service is wise to take caution prior to developing feelings or setting up interpersonal, ‘real-life’ meetings.
The same caution applies for online payday loans. While many online payday loan lenders are reputable, presenting honest information about their services upfront to foster transparency, protect the consumer, and build a strong financial relationship with the borrower, others are not so on the up and up. It is imperative that borrowers research the companies they are interested in doing business with, as not doing so can lead to serious financial problems. When seeking out a loan lender, a borrower must consider interest rates, loan terms, and payback periods in order to protect him/herself from a bad financial partnership.
In the cases of both online payday loans and online dating, caution and research are essential to making an informed decision. By doing a little due-diligence, an individual can establish a successful relationship-whether romantic or financial-and in the process save themselves from timely inconveniences.
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Internet dating is a phenomenon that has rapidly gained popularity throughout the world. Recent statistics suggest that the amount of people partaking in online dating grew more than fifty percent in 2012. With the availability and ease of the internet at one’s fingertips, individuals are able to connect with a wide breadth of potential mates beyond the trappings of geography, opening the pool of eligible bachelors and bachelorettes to different counties, states, and countries. Needless to say, the practice of internet dating has revolutionized the way that people romantically interact with one another.
In many ways, searching for a mate online is a lot like searching for an online payday loan: both can potentially make life a lot easier for the busy, modern day individual, but finding the right one will require research and caution.
The internet has made life more convenient in a variety of ways: from online education to online banking, the internet has made life easier for modern day humans. This ease has infiltrated many arenas, but few as significantly as the payday loan and online dating industries. With the availability of online payday loans, businesses and individuals are able to access funds at the push of a button. This saves many people time, which in turn can save people money. Similarly, the online dating industry has made courtship more manageable and less time consuming for their patrons. This is particularly useful for busy individuals who are seeking companionship but don’t have time for traditional dating. The internet has made it possible for people to form connections without wasting time on bad first dates, as most reputable online dating sites match people based on common values, goals, and interests. This allows an individual to quickly screen a potential date before setting up a meeting, reducing the chance of going on a date with someone whom he/she is completely ill-matched.
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* Pre-Approved – Getting a pre-approved offer for a credit card seems so easy, right? The easy part was getting the letter in mail.The difficult part may be actually getting the card. Credit card companies will tell say you are approved on the initial mailing but you will still need to go through the application process and have your credit history checked which will be the determining factor to whether or not you get approved.
* Unbelievable rates – Credit cards, auto dealerships, recreational vehicles and the like always advertise low rates. That’s how they get people to shop and apply for their products. Unfortunately, those rates are only for customers with ideal credit. If that’s not you, chances are you will be disappointed to find that you got a much higher rate than the one advertised.
* Special offers – What’s better than getting cash back, airline miles, or bonus points for taking out a credit card and using it to make purchases? Not much if you are planning a trip to the islands or want to use that rebate for a new TV. Sadly, many of the special offers given have stipulations that can only be found in the fine print. If you are looking for cash back, there may be a limit on how much you can earn. With airlines miles, you may be expected to spend a certain dollar amount within a specific time period or else you will not be eligible for your miles.
Payday loan lenders may not entice you with special offers but it’s always important, as with any credit card offers, that you read the fine print before you apply. Do some research on lender websites to make sure you understand the terms of the loan you are taking out and remember, if it seems to good to be true – it probably is!
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Getting a payday loan is pretty cut and dry: apply online or in-store, give the lender information about your job, monthly income and bank account, get approved and have your money in the bank the next business day. In unique cases, it may take a little longer but over all, it’s the fastest and most convenient way to get cash in a hurry.
Payday loan rates and fees are determined by the lender. The state the borrower lives in determines the max amount a lender can loan as well as the how much interest can be charged; this is to protect the consumer from “predatory” lending. Rates typically stay the same regardless of changes in the economy or stock market.
Some lenders may offer a coupon for discounted fees or a promotion with an incentive to refer a friend but for the most part, payday loan lenders don’t carry special offers like so many credit card companies do. Why? Because they are in the business of short-term lending that is considered “high risk”. Meaning, they take risks loaning money to people who have bad, little or no credit at all while expecting it to be paid back right away with the borrower’s next paycheck. Without the option to make money with long-term annual interest rates (APR), a payday loan lender makes their money by charging fees and interest rates for lending on a short-term basis.
Credit cards, on the other hand, are well known for enticing consumers with special offers. Getting cash back or acquiring airline miles is always a plus when you are already paying money to spend money (unless of course you pay your bill off each month to avoid interest charges). Credit card companies can be a little sneaky, though, when trying to reel you in. Educating yourself on the wiles of these plastic money methods can help you make the best choice when it comes to choosing which offer is best for you and your pocket book. Consider the following when taking the credit card plunge:
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Everyone needs a little extra financial help from time to time. We can all find ourselves strapped for cash because of a sudden financial emergency. An unexpected bill or urgent financial need can crop up at any time.
For many of us, going to a bank is not an option. Whether it’s because you don’t want to commit to a lengthy long term bank loan or simply you prefer the quick solution a short term payday loan provides. There are many reasons for people to apply for a short term loan. Maybe they need the money extremely quickly or possibly they may struggle to access a bank loan because of their credit history. Whatever the reason, if people are finding it difficult to access quick cash, a short term cash loan from a reputable payday lender is often the answer.
Payday loans are designed as short term loans only, unlike bank loans which tend to be taken out over a year or more. A short term loan is taken out for just a few weeks, usually until the borrower is next paid by their employer. As a result, they tend to be much easier, and quicker to access.
If you are looking for a reputable lender for your own short term loan, there are a number of important things you should consider, so that you find the right lender for you.
Searching the internet carefully and looking at reviews will help you make sure the lender has an excellent reputation. What you are looking for is positive feedback from genuine, happy customers. Reputable lenders will have received reviews from customers on their services on other sites, not just their own websites.
Always calculate how much the short term loan is going to cost. Good lenders will clearly indicate what the loan APR is on their website. Many lenders provide excellent online loan calculators so you can easily work out exactly what your repayment will be when borrowing a certain amount.
You should always make sure you have read and understood your chosen lender’s terms and conditions. They will tell you whether there are any hidden fees associated with borrowing cash in the short term. It will also give you a clear indication of charges which would be applied if you fail to repay your loan by the specified date.
Any form of credit can be costly if you default on it. Always make sure you only borrow money you can afford to repay to avoid problems further on. Most good lenders have professional customer advice teams who are available by telephone, or live web chat, to speak to you and answer all your questions.A good lender will happily tell you how their loan application process works.
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It is important to understand the true cost of obtaining a loan from fast direct cash advance lenders. With short-term loans showing an APR in the hundreds and in some rare instances thousands, how is one to understand how that interprets into a loan of only a few weeks? Since interest is the amount a third party money source will charge a borrower for the use of their money, how much a person is willing to pay will measure the final cost.
When a person signs a contract to borrow money from a business, there will be interest placed on the amount borrower/spent. The payoff terms will help the borrower to understand how the money will be charged. Will the interest accrue each day that the money is not returned? Will there be a set term where interest is charged on the balance on that day? It is important to fully understand the terms and conditions set by the company you choose to do business with.
Short-term loan lenders must inform a borrower of the APR rate even though the loans are typically set for a 2 week term. This information is found within the terms and conditions. A high APR is awfully scary for those borrowers who do not understand how it works. An annual percentage rate defines the cost of interest over a year’s time. A credit company may show a rate of 20.99%/year while direct cash advance lenders show 36.99%/year. If you look at the numbers only, it sure does sound like the credit card would be a better choice.
A credit card company expects only a very small percentage of the outstanding balance to be paid off each month. Many people feel good about ‘affording’ the expense and willingly use credit for many types of money matters. There is no ‘full payoff’ date set, just monthly statements which report the new balance, the interest fees applied and the calculated minimum balance with its due date. People like to have the no pressure payments and the temptation to spend more of their credit with only a slight increase in payment demand is appreciated.
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No credit check cash advance lenders end up receiving many daily phone calls from people needing fast cash. For some people, it happens a few times a year while other first-timers are shocked that they are in this predicament. Most folks have an idea when their credit is bad. You can’t hide your head that deep from money matters at least not for very long. The stories which come from people, who thought their credit was great until they applied for a credit card, got rejected and had to settle for a no credit check short-term loan are just as hard to hear as those who are scrambling for any kind of money.
Customer service calls are at times a quick payment update, a request to define the company’s terms and services or an ear to listen to someone who is going through a rough financial spot. Many callers are calling for help. These calls are not just for fast cash no credit check loans. There are some people who are looking for personal financial advice. They want a chance to express their financial status, tell the reasons why and look for hope from the customer service representative that their financial status will turn around.
The sad part is that whether a person purposefully chose to create financial problems, fate handed them some bad luck or they just didn’t understand how credit scores work. A no credit check advance is sometime their only access to fast cash. What is even sadder is that a responsible direct lender will not approve a loan based on story alone. As much as the employee may feel bad for the applicant, if their information does not support qualification factors then the loan will be rejected. The customer representative has a rough job when their heart tells them differently.
For those who have poor credit because of poor money management, there isn’t much to say other than that they have to pay closer attention to their budget and where their money goes. If the person does not know how to analyze their budget in order to make one that works, then a free credit counseling service may help. Check with a friend or relative for financial advice if a free service is the best option for you. Money management is something which can be improved upon. It won’t change your credit status overnight, but with hard work and dedication, good things will come.
Some people no longer have a job or lost hours at work making financial answers impossible. Once again, these folks will want to talk to someone on how to handle a lack of money and continue to provide for your family. Community or state services may help people in these circumstances.
For those who have gone through a divorce or lost a spouse may want some legal advice and sound direction in order to protect their own assets as well as keep the damage from becoming a permanent financial problem. It is not easy for a household to go from a two income home to a one with emotional stress as well. Find a person who has sound advice and direction in order to protect future finances.
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Verification Of Bank Account:
The final step in verifying a borrower’s identity is through a bank account. A borrower who lives in the U.K. will need to provide a minimum of two current bank statements.
These bank statements will indicate to the payday company, whether or not, the potential borrower bounces checks and has an account in good standing. The payday company will use the phone number they have on file to call the bank, and verify the account is active.
The preceding for identity verification steps are designed to protect the loan company and the borrower from scam artists. Some potential payday loan customers feel the verification process is intrusive, but it is for their benefit.
When you apply online you will be asked to fill in the online application form. There you must mention the number of your identity card, driver license if you have one, SSN, job title, bank details etc. It is not required to upload any documents with your photo. But submitted information will be checked and you will have a notification if your loan application is processed.
Submitting an application simply states that you wish for one of payday agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.
Your application will be processed within 30 minutes upon being received. Once approved, you may collect your loan the next business day. At that time, payday lenders will help schedule a repayment date so you will not have to worry about bouncing a check or missing a deadline.
The rule is that lenders respect their customer’s right to privacy in managing their personal finances. Commonly websites offering a pay day loans use a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your internet browser and website of the lender uses 128 bit Secure Socket Layer (SSL) encryption technology. So you may relax and don’t worry about stealing your personal information.