Best Payday and Title Loan Companies

Put an end to any and all harassing collection calls Keep more of your wages and avoid paying so many fees No credit check or collateral needed. Offers an easy paperless application process and quick loan decisions. Installment loans and lines of credit also available. The money is deposited through a secure transfer, usually within 24 hours. You warrant to us that the information you are submitting is true and correct. They have always treated me with the utmost respect and professionalism and were a tremendous resource to me throughout […]. This has been a […].

Trapped by Payday Loans?

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Payday loan consolidation option 1: Debt consolidation loan A personal debt consolidation loan is a do-it-yourself method of debt consolidation. You take out a loan and use the funds you receive to pay off your debts lower your crazy payday interest apr now! This service is designed to be a simple and effective support to consolidate all of your payday loans, and we can help devise the program that is right for your 1. Getting a hard money loan A hard money loan is a type of second mortgage based on the quick-sale value of your home. If you have bad credit, you will not qualify for low-interest Utah debt consolidation


Payday Loan Companies, the Dark Side of the Lending Business

The following is a list of frequently asked questions that will help you determine if the debt relief path is right for you and exactly how it works. These programs are not for everyone. However, if you are experiencing a sincere hardship, which has caused you to fall behind or completely stop payments on your debts, you are an ideal candidate for debt relief. Be Free Financial will only represent individuals who have a sincere need of the services to help improve their overall financial situation.

The experienced professionals at Be Free Financial understand how debt works. Additionally, they have an established relationship with creditors and various collection agencies. They are trained to negotiate the absolute best deal possible with your creditors. No agency should ever advise you to not pay your debts. However, if you continue to pay your debts, you may not be eligible for a settlement or consolidation.

If you are able to pay your debts while waiting for the negotiation process, chances are you are not in legitimate need of these services. You can pick and choose which debts you want to include in your debt relief program.

Your Be Free Financial representative will help you determine which debts should be included. Bankruptcy is typically and option only chosen as a last resort. Filing for bankruptcy will provide a negative mark on your credit report for 10 years. This can impact your chances for employment, obtaining state licenses, insurance and rental possibilities. Also, when you file for bankruptcy you are likely to be denied any type of credit for at least 10 years. With the recent changes to the bankruptcy law you will also still be liable for much of the debt that you are trying to get rid of, which means that there is no reason to pursue this debt relief option.

There are laws that have established the proper methods that debt collectors can use to collect outstanding debt. They cannot abuse or harass you in any way. Additionally, they cannot do the following:. Additionally, debt collectors cannot make false statements where they claim that they are government representatives, that you have committed some sort of crime or falsely represent that they represent, operate, or work at a credit bureau.

If a debt collector performs any of the above violations, you should report their actions to your states attorney general, as well as the Federal Trade Commission.

There are many states that have their own laws regarding proper practices for debt collection, which can help you determine the rights that you have. There are no upfront fees. You can have your financial report analyzed to determine if the services that are offered will help your current situation. Fees will only be accessed once you have entered into an official agreement with Be Free Financial.

There are several debt relief options available for you. When you call Be Free Financial a debt specialist will work with you to determine which option is right for your specific situation. This is only done after your free credit report has been obtained and you have had a full evaluation of your financial situation.

While Be Free Financial cannot officially help you with secured debts, such as mortgages or auto loans, they can help reduce your unsecured debts so that your other expenses are more manageable. You will be able to reduce the amount you are required to pay on credit cards, unsecured personal loans and medical bills, which will help you better manage your secured debts.

The IRS considers forgiven debt to be taxable income. Below we explore payday loans and debt consolidation options to see how you can consolidate these loans with other unsecured debts.

Payday loans can be used without creating serious financial challenges. They have advantages over traditional lending methods. Payday loans can also cause problems with cash flow management due to the automatic ACH payment structure. Problems with payday loans usually arise when the borrower fails to pay back the full amount borrowed within the first payment cycle.

Then you pay the money back when your paycheck clears your bank account. However, as you can see from the infographic above, payday loans often used to cover regular recurring expenses. That kind of budget imbalance usually signals larger financial troubles beneath the surface. It can quickly turn into a downward spiral.

Payday loan consolidation is possible in some cases, depending on which method of debt consolidation you use and which lenders service your payday loans. A personal debt consolidation loan is a do-it-yourself method of debt consolidation.

You take out a loan and use the funds you receive to pay off your debts in-full.