Financial Resource

Apr> homework support?
i keep getting the wrong answer.. can you explain me how to do this.. gratefulness for your helpFirst America Bank’s monthly grant charge on a 48-month ,000 loan is 8.65. The U.S. Bank’s monthly payment allowance is 9.98 for the same loan amount. What would be the APR for an auto loan for respectively of these banks?

Are collection agencies allowed to make a payment interest to a debt that have be written bad?
What happens if they own not connacted you and still want to charge you that interest?

Are collection agents required to transport you a statement next to vocabulary of agreement past you clear them?
A credit card company sent me a letter agreeing to adopt a reduced amount as payment within full for credit card charges. I called them and we discussed the language. After thinking about it, I arranged I should get the untried terms surrounded by writing from them before I started making the payments. Well, they veto to send me the jargon until they set up the payment depiction (my bank side # for drafting). So now we are at a standoff. Is within a law that requires them to provide the specific agreement surrounded by writing?

Are credit card payment offer legit?
For example, sometimes I receive a 0 certificate near my credit card bill that is supposedly redeemable for up to 0 surrounded by gifts. It seems too polite to be true. Is there a pick up?

Are Credit Scores base solely on Credit History or is your income also a determining factor?
What I’m asking is: If you are poor and have an excellant payment history, never deferred on a credit card payment or house payment, etc., would you hold as high of a credit score as someone who is ‘well to do’? I’m not asking if a poor human being could get a million dollar loan, I’m sure income is a factor there; I’m asking if their credit evaluation would be the same, based on a model credit history. Please help me with an answer. Thank you.

Are creditor required to report to you when they tender something that will mess up your credit rating?
I was going to be at the rear on a large fee to a creditor. When I called them they said I could fashion the regular payments and we would set up a plan for the larger bill. They even sent me coupons for the payment plan. The plan be to only concluding a couple of months.Later I checked my credit rating and it showed late payments to this company for the time I be on the payment plan. I call them and they said I was still considered unsettled even though I was on the plan. I comprehend that, but I wish they would own said something when they set it up. They made it sound approaching everything was going to be fine so I didn’t even estimate of trying to find other sources to pay this debt.

Are creditors required to distribute a getting of reimbursement?
I paid off a debt, but the collection agency have not sent out any receipt that I made a payment. I enjoy no records of any payment made to them, except for the cancelled checks. Is nearby legal recourse against them ? Another creditor is claiming I still owe on this debt, and w/o receipts they say they will embezzle me to court. I do have all post, and cancelled checks, along with a mail account sent certified when I sent the pay-off in, along w/ a 2nd certified recipt and letter asking for a delivery.

Are debt collectors compensated by commission?
I have started aggressively to take-home pay my debts. I was olden due on a credit card. Online I set up the payment plan. To bring the bill current surrounded by one week and then twice amonth till rewarded in full. It will be remunerated off surrounded by 2 months. I received a call from a debt collector and he said if I didnt build a payment today on the phone I would seize charged a late payment. I already made the payment calendar online. He said he could delete it and since I was making the expense over the phone wave the unsettled fee. Was this a tactic for him to find commission on the payments I was setting up?

Are here any programs for someone near fruitless credit to carry a home Loan?
I am getting divorced.Once my wife was no longer living with me, she be unable to intercept the mail, and the phone call, and I found out that she had not been paying most of the bills. She also have bounced ALOT of checks. I have been working to receive things paid off, and just have one 00 hospital bill that I didn’t find out about untill the hospital sued me. I enjoy set up a payment plan with the lawyer. Needless to say my credit report isn’t pretty. I make give or take a few ,000 a year, and I am wondering if there are any loan programs that would take into justification my situation and my efforts to pay my outstanding debts. I would love to be capable of buy a home for me and my children, and would appreciate any info I could get.By the way, If you are wondering how this adjectives happened to me, it is a long story that involves drugs on my wife’s part, and a integral lot of denial on my part.

Are home equity loans a accurate agency to consolidate debt? If not what is better?
Instead of paying on 2 credit cards that are fairly high balance, should I pay them off near a equity loan and have one payment and maintain my credit card balances zeroed out each month…..

Are in attendance any discouraging credit- credit cards out in that?
without a lot of scam, like deposit fee, start up payment, yearly fee, etc

Are in attendance any lenders who dont require credit fico score(for refinancing?
I had bad loan on my property,my sum start going up,it came to a point i coudnt catch up beside my monthly payment,after my loan was modified from adjustable to fix rate .immediately my loan is current but my credit got massed up,ineed to refinance &combine my 2 loans & make it one what should i do

Are in attendance any retailers that will bestow brass for a credit card return?
i owe a minumum payment and i need to repay it. this could be a way to dance around it..

Are nearby any law against a cred. crd com. that reduced a crdt flash by 1/2 after individual pd dwn?
I have be with a company for almost 4yrs and had a credit vein of 5K. I aggressively paid it down to partly of the balance so far. Well, I disappeared for vacation on May 27 and forgot to be paid a .00 payment on another bill thus making it late–and the 5k credit card reduced my credit line to 00! I could not believe this, this have lowered my credit score and raise my income to debt ratio!! Is this legal? Can they do this and nil be done?? I am literatly sick from this. I have be working so hard to verbs up my credit and it appears that they will ding you for everything now. Can someone hand over me some information to help me punch-up this?

Are nearby different formulas used for loan amortizations?
I have a loan and the expense works out as I have calculated however when I made my first reward a much larger portion went to interest than what I calculated. I go to several websites and they all calculated equal amounts as I did as to the amount of interest and principal that should be applied with respectively payment… the guy at the edge couldn’t explain it. My concern is that I want to pay the loan past its sell-by date early and I don’t want shrunken payments going to interest when they are supposed to pay down the principal.

Are online reimbursement gateways really immobilize?
I know there are seriously of payment gateways online today, and they adjectives have their perk, but my concern is this: are they really secure? Call me cynical or paranoid, but I don’t fancy the thought of someone else filch my hard-earned money.

Are these policy official?
I had contacted a collection agency this afternoon to resolve a debt to be precise now 2 years matured. In doing so they asked me for my phone # and address and I refused to make a contribution them either because I did not want to be hasseled by collectors. I explained I simply want to know where to distribute payments to. He told me he couldnt give me the address unless I offer my address and phone # (is that true?). After speaking with the supervisor (who be just as sturdy headed) I then go on to try and negotiate a payment arraignment and he said beside it being so matured of a debt they would only except gift in full. I next told him I will send a hundred dollar money on the 2000.00 dollar medical debt and if they didnt want to except it they could send it put money on. I am a student and do not have 2000 and dont deduce I will see that much cash anytime contained by the immediate adjectives. Will they send it hindmost? Do I have perfect enough grounds for a resonable complaint and to whom do I complain because it seem there adjectives jerks!

Are within any debt consolidation companies that are run or approved by the organization?
I have a friend who is almost 30K in debt. His credit is still okay – but he’s going to own a heck of a time paying off the cards and his motor payment – rent – bills – etc.I ruminate a lot of debt consolidation

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