A Tax Preparer is Not the Only Way to Get Refund Anticipation Loans If you are working with a tax preparation service to get your taxes done, during tax season or during an extension, they will probably push refund anticipation loans on you. Forgot to close the door? The Sun The bumper payday was partly a result of pragmatism and caution rather than grand design. And, in fact, if you have ever been to a storefront where you apply for a cash advance or to your bank for a loan, you know that you fill out a paper application. The intervention comes after a crackdown on payday lending in January last year. Now that you understand how these loans work, apply for tax loans and get the cash you need now.
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The 49-year-old was reported missing after failing to return home from work last week
Tucker is not alone. This is music to the ears of payday loan companies like the one Tucker turned to — voracious businesses that provide cash-strapped people with small, short-term loans, charging high interest rates and fees. Proponents of the industry point to the lifeline payday loans can provide for people like Tucker. Tucker, for example, turned to the Holy Rosary Credit Union, which paid off her payday loan and issued her a new one with a much lower interest rate.
She eventually repaid the credit union and moved on with her life. Like banks, credit unions offer checking, savings and loan services. Importantly, they generally charge discounted loan rates and lower fees than traditional banks. A new credit union is set to open this spring in Kansas City, following an eight-year fundraising effort. The Villas at ChampionsGate an oasis within the Orlando tourist corridor. Best known for our recreational offerings, the current Resort Activity Guide is available with fun in store for the whole family.
Additional restaurants and retail stores are currently underway to complement the existing shopping center. ChampionsGate DownTown now offering a nice mix of restaurants to choose from. Great places to grab Breakfast, Lunch and Dinner. Now open for business: And it just keeps getting larger. The slimy loan officer never fails to turn up to collect most of their earning whenever they do a succesful job.
Disaster survivors such as Faye Valentine of Cowboy Bebop didn't get their cryogenic treatment for free. One of the cons run by Teppei and Rina.
Teppei will lend money to gamblers. After they lose it, Rina will offer to loan them money so they can pay him back. True, the interest rate is downright extortionate, but being in debt to her is better than being in debt to him, right? Paulie makes his entrance while being chased down a public street by a pair of suits demanding money. Apparently this happens a lot. One could argue that Nami's original reason for stealing money was due to this, since she was attempting to buy her village free from Arlong and his fish-men.
Bonus points for Arlong being an actual shark , too. Nami herself also counts after she's freed from Arlong. One filler episode features a more heroic example, with a retired moneylender who used to lend money to pirates. Most of the pirates would try to just abscond without paying him back, at which point he chased after them to take it back by force. At first it was indicated that her parents had sold her, a la Hayate above, but later it emerges that they have no idea she even knows how dire their financial straits are.
The girl is rescued by Akumetsu, who kills the central bureaucratic fat cat with an axe before having his head blown off. A later arc involves Akumetsu taking on the leaders of various banks in a shame-and-threaten campaign on national television after running across the girl's father contemplating suicide by revenge-with-large-truck in a playpark on his way to school.
When forced to duel, his deck theme concentrates on loaning creatures to his opponent, then doing massive damage to them each turn if they can't get rid of the creatures. One entire manga is about loan sharks, Naniwa Kinyudo , though from a more realistic perspective - they operate legally if exploitatively, charging extremely high interest to desperate people, sometimes merely making sure they will get ahold of the collateral, but also doing things like manipulating them to take second jobs or go into prostitution.
More than one of these appear in Detective Conan. Unsurprisingly, they all become Asshole Victims of their cases. Of special note is the pawn shop owner Akira Sumida, who is such a bitch that at least three people want her head.
Those in Kaiji are quite happy to pursue not only their debtors but also those who have co-signed for them in nefarious ways. The basic premise of [C] - Control is that mysterious beings loan people large amounts of money, with the condition that they must then gamble it in weekly inter-dimensional tournaments. Go bankrupt, and you lose your future, literally. The resident Loan Shark person, Masakaki, even regularly displays shark teeth when being particularly greedy.
Every time he hits an opponent, he lends them some of his nen, making them more powerful. But the loaned nen accrues interest every ten seconds, and if the opponent don't hit him back to return the nen he gave them, they'll eventually go over a certain limit and "bankrupt", losing their nen for a month. City Hunter has an old man trying to rob the Yakuza loan sharks who bankrupted him and ruined his life. Thanks to having used his last money to hire the best courier of Tokyo's underground to drive the getaway car and said courier having hired Ryo as a bodyguard, he not only succeeds and gets away with it but gets the satisfaction of seeing the car of the Yakuza enforcers wrecked.
Part of the reason Hayate from Hayate X Blade joins her school's sword-fighting tournament in place of her injured sister is because a group of Yakuza loan sharks left their old orphanage under a mountain of debt.
At this, Shaggy runs off in a panic, making excuses. The kicker is that Shaggy had at no point done anything to actually incur this debt - he was just randomly assaulted by two goons who weren't going to take "broke" for an answer. In the Judge Dredd universe, one of the most lucrative rackets is Body Sharking, a form of loan sharking where suspended animation technology is used to keep the debtor's loved one as collateral. You don't pay up and mummy dearest will never wake up.
Especially not after having her organs harvested. A different one being removed for each missed payment. The Bar-None Ranch has the main characters and their fellow con-artists dealing with a gang of literal loan sharks. The Disney Duck universe has Soapy Slick, who tried to swindle Scrooge McDuck out of his entire fortune by claiming that he was never paid off on an ancient debt with an outrageous interest rate.
Ascended Fanboy Don Rosa later added another detail to the deal: The Angel comic continuation, "After the Fall", featured a loan-shark-demon of the same type as the Buffy example below according to one of the writers, they're the same character. We picked the Lord most likely to sell everyone else out. You went with the loan shark. Man's career path is based on a pun, can't be too much inner pride. One MAD Magazine Melvin and Jenkins sketch has the kindly Jenkins assure friends he's loaned money too that they can take as much time as possible to pay it back.
Melvin does too, but also wakes them up every morning at 3: In Harry Potter and the Champion's Champion , Gringotts acts like this to particularly pesky clients, with Section 48, Subsection A, Sub-Subsection 18 , which, to be fair, are usually jerkasses like Lucius Malfoy or the publisher of the Daily Prophet.
The interest, revealed in the fine print is compounded weekly, not annually, like Lucius thought. Lucius ends up forced to dig tunnels for the goblins with his bare hands to Work Off the Debt and is eventually released when he is more trouble than he's worth, dumped in the arctic at the age of over three hundred, and eventually eaten by a polar bear.
A Fleet Symphony , a young Damon had a friend who got killed when these sorts came calling over her parents' debts. There are even clear Mafia connections and the very real prospect of him killing Fagin, to whom he had lent the money. Jabba the Hutt is a gangster who does loan sharking, but his primary business with Han in the films is in smuggling. The money Han owes Jabba is the value of the lost cargo, and he keeps adding interest to the debt. Pizza the Hutt from Spaceballs is a parody of Jabba the Hutt.
He arbitrarily raises Lone Star's debt to him to one million spacebucks, citing "late charges". In Truck Turner , one of the hero's old friends is in debt to a shady fellow. A Running Gag is that he keeps making a few extra marks on the IOU that exponentially raise the debt every time his debtor angers him. He turns a 1 into a 4 the first time, for example. The hero of Takeshi Kitano 's Hana-bi Fireworks should really have known better than borrow money from the yakuza.
However, he might be even more badass than them, being played by Beat Takeshi and all. Gene Co in Repo! The Genetic Opera fill this role. They'll lend you money so you can get an organ transplant, but if you miss a single payment, they'll send out their Repo Man to take the organs back In Stroszek , a regular loan is taken out by the lead and the love interest, which they can't quite afford.
In contrast to these examples , the bank worker is comically non-combative. Things still don't turn out well. In Twins , Danny DeVito's character is hounded by a family of violent loan sharks in virtually every other scene.
The plot of the first The Addams Family film in revolved around an amnesiac Uncle Fester who had been brainwashed by the film's villain Abigail Craven to assist in her loan-sharking schemes and who thanks to their dead-beat's lawyer's debts towards her becomes interested in embezzling their fortune.
Farthing Chevy Chase the gambling-addicted doctor is being "asked" to pay back his loans. What I don't understand is Doesn't seem fair to me. Especially when he's gonna kill me in four days anyway. The Sinister Urge , a film by Ed Wood about the dark, twisted crime world of pornography, uses this trope. The porn studio is shown to prey on young, unsuspecting girls by having the nice, sweet porn director hire naive girls as actresses and offer to front them money to live on, complete with paying their rent and buying her expensive dinners in order to prepare her for work at his studio.
As one girl found out though, her first "audition" has her meeting the director's financial backer and secret head of the porn syndicate. When she fails to get the drift when ordered to seductively pull up her skirt and show the porn boss her "hat", the porn boss reveals that it was HER money that the actress was living off of during the previous weeks and that if she doesn't do the movies the porn queen wants her to do, then she would contact the actress's father to make him pay back the money.
In Ken Loach's Raining Stones the main character borrows money from loan sharks to buy his daughter a communion dress. This plot turns up a lot in social-realist film and TV.
An odd subversion, in the Thai movie Chocolate , the main character is collecting loans found in her loan shark mother's ledger, to fund her mother's cancer care. None of the debtors wants to pay up, so she's forced to beat them up. In Rounders , Worm had accumulated several fairly small poker debts before going to jail. His former partner, Gramma, sensing an opportunity for a good score, goes around and buys off all Worm's creditors, meaning that Worm now has one big debt to him.
Gramma states at least once that he's more than willing to use the traditional loan-shark "collection methods", but the real threat to Worm — and by extension, Mike — is fellow poker player and underground poker club owner Teddy KGB, who is called KGB because of his strong connections to the Russian mob.
Turns out that Teddy provided the money for Gramma's business venture, figuring they'd both make a nice profit from the interest. Gazzo in the first two Rocky movies. In the first , Rocky works for him collecting money and beating up people who don't pay. Or in his trainer Mickey's words he's: Gazzo is seen with a date rooting for Rocky during the climactic fight of both movies.
Working for Gazzo later comes back to haunt him in the fifth movie. One of these kicks off the plot of Ringo Lam's Full Contact. Chow Yun-Fat's character rescues his brother from a loan shark, who the brother borrowed money from in order to pay for their mother's funeral. Since Chow had to kick the asses of his men in order to secure his brother's release, the loan shark is pissed. The brother mentions a friend of his who is looking for people to cut in on a job, which they can use to pay off the loan shark and get him out of their hair.
The friend in question, Judge, and his gang were shown in the opening scene to be nothing but bad news, and the loan shark makes a deal with this guy behind Chow's back to have him killed during the job. Chow survives the resultant betrayal and hit attempt, and you better believe he wants payback. The movie Tom Cats had a cartoonist going to Vegas for a friends wedding, where he ends up losing thousands, even though he said he had stopped.
The casino owner said the roll was legitimate because he gave the dice to a hooker, who rolled for him. This kicks off the main plot. The Hong Kong comedy movie Shark Busters has these and they are more honest and fair than the legal versions. Two of the villains in Suicide Kings. Who it is that owes them money becomes a plot point.
In the first Otto movie, Otto borrows marks minus exorbitant fees from a Loan Shark and very soon has a debt of exactly Hilarity Ensues as he tries to get the money. Phil borrowed money to support his family during the Great Strike in Now, at the same time that the rest of his life is going down the toilet, they step up their efforts to collect. The main antagonist in Limitless is a loan shark and his thugs who apparently have connections to The Mafiya. Eddie eventually manages to pay him off, but the man continues to harass him because he sampled some of Eddie's NZT a drug that temporarily enhances intelligence and memory and wanted the whole batch.
He firebombed the homes of the people who refused to or couldn't pay him, which he regrets because he didn't know there were people inside at the time. This later turns out to be the key plot point in the mystery, as it was his loan that Christian had to pay back by any means that set the entire story in motion.
In Barefoot , a loan shark's threat to "smash [the protagonist's] head open" if he doesn't pay up sets off the entire plot. Making his volunteering to stay and set off the nuke understandable. He mentions to Chick that he spent the money on a stripper named "Molly Mounds," Chick deadpans, "You got problems. He was very in debt, but a freak lottery win meant he could pay Cousin Marv back and then some. Because Cousin Marv was himself heavily in debt, he killed Glory Days so no one knew he was solvent.
Vincent , Vincent is in deep with one; when he calls around with a gun and some muscle and tries to steal Vincent's wife's jewelry to pay off the debt, Vincent suffers a stroke. Nick is in debt to a local criminal who is waiting for him in Nick's home at one point with several of his goons. James Caan in The Gambler played a college English teacher whose gambling addiction throws him into the clutches of a loan shark.
He ends up press-ganging the bailiffs who are trying to arrest him. Ebenezer Scrooge from A Christmas Carol is implied to be a Loan Shark or at least a corrupt lender as he is quite wealthy and greedy, caring little for his customers or the poor.
Although not as extreme as a criminal Loan Shark , he still shows little mercy to beggars and his clients who are facing financial troubles. The Name of the Wind. The Loan Shark who appears, Devi, doesn't send thugs to collect money. She just has a small, sealed vial of her client's blood. No one ever has the courage to find out what nasty sort of magic she will do to those who are delinquent in their payments, and the protagonist Kvothe goes to great lengths to avoid paying late.
Apart from this, however, Devi is really quite pleasant. The goblins in Harry Potter fit this trope to a T, especially in Goblet of Fire , where it turns out that Ludo Bagman owes them a lot and has conned Fred, George and a whole lot of other people out of their bettings to pay them back This is why he keeps trying to help Harry during the Triwizard Tournament, since he bet that Harry would win.
What Harry didn't know, and had to find out the hard way, was that Goblins view every single Goblin-made item as being "borrowed" instead of "bought", and that they despise the idea that Goblin items are handed down through generations.
He learns this when, being trapped in the vault, Griphook chooses that exact moment to make off with Gryffindor's Sword and escape. Mack Bolan of The Executioner series sets forth on his campaign against the Mafia after his father snaps under pressure and kills his own family in a murder-suicide, brought on by the revelation that his daughter was prostituting herself to pay his debt to Mafia loan sharks. In Neil Stephenson 's novel The Diamond Age , one character considers a loan from some highly respectable Parsi bankers but declines when he finds out about the nature of their collections policy.
Their "reminders" to pay seem to be some kind of painful torture mechanism implanted in the debtor's body and the bank establishes workhouses for those having difficulty paying. It's not for nothing that the novel's setting is described as "Neo-Victorian". He's pretty reasonable about it though, and an important part of his character is that he's such a confident badass in his mannerisms that people will play these debts without his needing to resort to physical violence.
In the Dragaera novels, this was one of the areas of crime engaged in by Vlad Taltos while a member of the Jhereg, a fantasy equivalent of The Mafia. His organization is relatively reasonable, in that when someone is a business owner making an effort to pay, they are likely to be lenient about payment or else take over the business temporarily before using violence, although they are more than willing to break the kneecaps of recalcitrant debtors.
It's suggested that the Jhereg are the source of loans for the common people, which is understandable given that the group associated with banking, the Orca, are less than trustworthy. Adrian Mole gets in this trouble once for his naivete and ends up several hundred thousand British pounds in debt.
Piers Anthony's Xanth series, has literal sharks do this job; they, of course, charge an equally literal arm-and-leg minimum for their services. In the novel Inferno , loan sharks are condemned to Hell.
This has some basis in the original The Divine Comedy , which depicts usury as a sin, in turn deriving this from the laws of The Bible. The protagonist, although generally opposed to the concept of eternal damnation, reflects that if anyone belongs in Hell, it's them.
Troll mobster Chrysophrase of Discworld provides this service. He's described as "having people's limbs torn off" as a penalty for non-payment; so again, owing him an arm and a leg can be quite literal. Also in Discworld, in Mort , when Alberto goes back to Ankh-Morpork after a year absence, he finds a small bar tab he had has been handed down, and has interest added. Subverted because of what Alberto does when he has the discussion over the ancient, now huge, bar tab.