Sawin & Shea

MARCH 13, 2024

We can help people re-organize secured debt in various ways to help people stop repossessions or foreclosure and get back on track with payments to keep those items. This means that a lender or creditor cannot recover the money you owe or take legal action against you. Next, the judge will assign a bankruptcy trustee to your case.

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Credit Corp

OCTOBER 25, 2023

Credit Card Consolidation Loans A credit consolidation loan is a type of unsecured personal loan that comes with a set repayment period and fixed monthly payments. For a credit card consolidation loan to make sense, the interest rate needs to be lower than the interest rate for your credit cards.

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Credit Corp

MAY 10, 2023

Your credit score is an important aspect of your financial health and is oftentimes used by lenders, landlords, and even employers to determine your creditworthiness. Hard inquiries , also known as hard pulls, are typically made by lenders and other financial institutions and can harm your credit score. What’s a Hard Inquiry?

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Sawin & Shea

NOVEMBER 15, 2023

Unsecured debt would include things like: Medical bills Credit card bills Utility bills Back rent Personal loans At the end of the bankruptcy process, the remaining balances for these types of unsecured debts will likely be forgiven. A Chapter 13 plan can cure arrearages on houses or cars, stopping foreclosures and repossessions.

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Collection Industry News

MARCH 15, 2021

In addition, the department has stepped up measures to expose and track emerging scams, field and respond to a large increase in consumer complaints and inquiries, connect struggling consumers with available resources, and to work with licensees to ensure compliance with state and federal laws enacted to protect homeowners from foreclosures.

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Sawin & Shea

JANUARY 25, 2023

Sadly, numerous people struggle to obtain reasonable loans when interest rates are this high. Higher interest rates also mean that it’ll take longer to pay off a loan’s principal amount, and those needing a car loan, mortgage, or personal loan may find themselves paying an exorbitant amount of money in interest alone.

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Better Credit Blog

AUGUST 21, 2020

But what score do lenders consider to be good? If you have a 560 credit score, your approval odds for loans are low, and your credit rating is pretty poor. Foreclosures. The issues above can hinder your access to both revolving lines of credit and installment loans. FHA loan 500 with 10% down, 580 with 3.5%

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Better Credit Blog

AUGUST 21, 2020

Personal loan: Limited options. Auto loan: Limited options. Others are on the path to repairing their credit, as it takes time to recover from more severe credit occurrences like bankruptcy , foreclosures , or judgments. Your mortgage approval odds with a 620 truly depend on what lender you apply with. downpayment.

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Credit Corp

MARCH 22, 2021

While a credit bureau might share your report with lenders in the country, consumer data protection laws forbid them to talk about your credit score to organizations outside the country. If you try avoiding your outstanding debt, your lender can take the legal route and sue you for non-payment of bills. Make Payments on Time.

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Better Credit Blog

AUGUST 9, 2021

Whereas rates on credit cards can be 13-25%, average rates on personal loans are 14-18%,” says Toms. Other factors to consider include: Fees: Some lenders will charge what is called an Origination Fee, usually as a percentage of the amount owed, often around 1% to 5%. Best Debt Consolidation Loans. Lending Tree.

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Better Credit Blog

AUGUST 9, 2021

Whereas rates on credit cards can be 13-25%, average rates on personal loans are 14-18%,” says Toms. Other factors to consider include: Fees: Some lenders will charge what is called an Origination Fee, usually as a percentage of the amount owed, often around 1% to 5%. Best Debt Consolidation Loans. Lending Tree.

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Better Credit Blog

NOVEMBER 17, 2020

Along with providing savings and CD accounts, Barclays offers personal loans by invitation in partnership with other companies. Any time you apply for a credit card or a loan, you can expect a hard credit check. Foreclosures. What Is Barclays Bank Delaware On My Credit Report? Charge offs. Collections.

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Better Credit Blog

AUGUST 4, 2020

Short for the First National Bank of Omaha, FNB National is a popular bank for several personal and professional financial services and products, including: Banking. Home loans. Auto loans. Personal loans. Student loan refinancing. Foreclosures. Investment accounts. Credit cards. Wealth advising.

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Credit Corp

JULY 26, 2021

If beneficiaries can’t or won’t assume the loan, they can sell the property to settle the debt instead. If your loved one doesn’t have any beneficiaries listed on their will when they die, their mortgaged property may go into foreclosure. Car Loan Debt. If no one is able to pay off the loan, the lender may repossess it.

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Better Credit Blog

JANUARY 5, 2021

Citi also offers personal loans, lines of credit, and mortgages, which can prompt a hard inquiry. As such, lenders don’t judge you too harshly for having a few inquiries on your report. If you want to know the origins of a hard inquiry on your report, you should go to the bank or lender listed on your report. Bankruptcy.

Loans 52

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Better Credit Blog

JANUARY 5, 2021

Citi also offers personal loans, lines of credit, and mortgages which can prompt a hard inquiry. As such, lenders don’t judge you too harshly for having a few inquiries on your report. If you want to know the origins of a hard inquiry on your report, you should go to the bank or lender listed on your report. Repossession.

Loans 52

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FDCPA Defense

FEBRUARY 3, 2019

1992) (emphasis added, citation and quotation marks omitted) (personal loan from friend used to start software business not a “debt” under the Act: “Neither the lender's motives nor the fashion in which the loan is memorialized are dispositive of this inquiry.”). See Bloom v. System, Inc., 2d 1067, 1068 (9th Cir.

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Better Credit Blog

APRIL 11, 2022

Information reported includes: Personal Information. This section of your credit report tells potential lenders who you are. Who is the person attached to all this credit history? The types of credit accounts you can expect to see in this section include: Mortgages , home equity loans, and home equity lines of credit.

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