If a borrower is very late in repaying a debt to a bank or online loan company, and if he doesn’t answer his phone or talk to the representatives of those companies, the companies often turn to a collection agency to collect the debt. But what exactly are debt collectors and should borrowers be afraid of them?

Every company has its own point at which it decides to get debt collectors involved. But when a financial company does finally make an agreement with a collection agency, it usually assigns the right to claim a refund on the received loan to that agency.

At this point, debt collectors begin using their main tool: psychological pressure on the borrower. They scare the borrower with the threat of a bad credit score or even loss of property. Even so, collectors can be reasonable and it is possible to make a deal with them.

It’s important to remember that the only way a borrower’s property can be transferred to a creditor is with a court order. And banks and online loan companies usually don’t take debt collection cases to court, but instead try to get the money back in other ways.

One way a borrower can pay back a loan is through refinancing or, in other words, taking out a new loan to cover a previous one. (What else can happen when repayment is overdue? Read here: What If I Can’t Repay On Time?)

It should be noted that getting a collection agency involved is the last resort for banks and online loan companies. It doesn’t matter to them if the amount of money that was borrowed is large (as with bank loans) or small (as with payday loans). Since the financial companies lend money to so many people, even small loans can add up to a lot. That’s why they care about debt repayment. And if you’re a borrower, you should too.

Don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Loans For The Unemployed: Is It Possible?

Thursday, 03 January 2019 15:51

Unemployment is not just a money problem. The absence of a steady job can cause damage to your reputation and self-esteem and can become the cause of stress and even depression. And while the support of loved ones can help with the emotional effects, it’s not easy to find someone to lend you money for everyday needs.

That’s why a person begins to think about taking out a bank loan. But banks are often reluctant to give loans to the unemployed, and even if they do, the process takes a long time. And if they do, the borrower will have to mortgage some property, depending on the amount of the loan. Is that something you really want to do? Maybe a small, short-term payday loan would be a better decision.

And unemployment isn’t the only situation when a person doesn’t receive income. There’s also maternity leave and retirement. So can people in these situations turn to payday loans as well? Let’s find out!

Payday Loans For The Unemployed

Online loan companies have flexible conditions for people in need of a moderate amount of money. If you’re sure that you’ll be able to repay on time, then a payday loan is your way out of today’s financial problem:

• if you are a student and have low or no income

• if you’re unemployed, but willing to start working as soon as possible

• if you’re not officially employed, but have a stable income

Quick Loans During Maternity Leave

You can continue working or have some other income during maternity leave, but it’s not always enough for the constant expenses that bringing up a child entails. You can apply for an online fast loan if you are:

• 21 or older

• familiar with the concept of interest rates

• confident you’ll be ready to repay on time

Online Loans For The Retired

If you’re living off your social security, a pension, money you saved, or the help of friends and family (or even if you have no money at all), you can apply for a loan from an online loan company (read more here: “Fast Food” Online Payday Loans: Is It Really That Simple?). The things you need to be ready for are:

• the moderate amount of money you can borrow

• the high enough interest rate

• repaying according to the repayment schedule

That’s it!

Don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Often, people need to borrow money, and it’s not because they’re incapable of saving or because of huge consumer appetites. It’s because there are lots of interesting opportunities they don’t want to miss. And sometimes these opportunities can help a person in the future (like when someone takes a course or visits a country with a different culture). Opportunities inspire us, and that’s why we need to catch them in time! The question is: where can we find financial support to afford these life-changers? There are a few options:

• Friends and Relatives

• Loan Shops

• Banks

• Online Loan Companies

Option 1: Friends and Relatives

If you have good friends and relatives, you might be able to borrow from them. The advantages of doing so are:

• There is no interest rate

• Sometimes they don’t even ask for the money back (but rarely)

There are also disadvantages. What are they?

• Your relatives and friends might not have the money you need

• You will have to talk to them about any plans or problems related to not having money

• If you don’t pay on time, you may lose their trust or even their friendship

Option 2: Loan Shops

Quick financial refill is another name for loan shops. You can get cash instantly, simply by bringing a piece of property (or a document for it) to the shop.

The disadvantages are as follows:

• You have to physically go to the loan shop

• You need to have something to pawn

• You might lose the property you pawned or it might be damaged when you get it back

Option 3: Banks

If you ask a bank for a loan, you can expect a long procedure, a process of filling out documents, and the task of finding yourself a guarantor. In most cases, it isn’t easy, but when you need official paperwork, a low interest rate, and a large sum of money, this is the option for you.

Option 4: Online Loan Companies

Online you can find a reliable financial company to get the necessary fast loan within the hour. Online loan companies have many of the advantages of the other options:

• No need to talk to anybody

• Availability to borrow any time of day, any day of the week

• No need for collateral

• No paperwork or guarantors (See here: Who is a Guarantor).

The only disadvantage is that you get a relatively small sum. But even a small amount can help you pursue your goals and…take advantage of opportunities!

Don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Do you still think that taking out a loan is difficult and inconvenient or that it involves waiting in lines and filling out documents? Well, everything’s changed! There are a lot of reliable online loan companies that have shortened the process and they’re ready to help you any time of day, any day of the week. You won’t be able to receive huge amounts of money immediately, but you’ll be able to cover your current expenses and needs without having to wait for a paycheck or help from relatives.

The advantages of online loan companies:

• Fast Process (less than an hour)

• Availability for the unemployed or clients with negative credit history (companies approve more than 95 percent of applications)

• Flexible Conditions (even if your repayment is overdue, it’s best to cooperate with the company instead of waiting for debt collectors)

• Online Contract (you can get a loan without walking out the front door)

So What Do You Need to Apply for The Loan?

1. Visit the site from your computer, tablet, or smartphone. Many companies have a loan calculator on their website that will help you calculate what the loan repayment will be, based on the amount and duration of the loan.

2. Fill in the form with your personal information, the loan amount, and the terms of loan repayment (the duration of the repayment schedule, whether it’s gradual or full repayment).

3. Wait for approval and instantly get the money on your debit card. Use your money.

4. Repay according to the schedule and try not to be late (read about overdue repayments here).

It’s easy, isn’t it?

Don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Guitar Man

Monday, 03 December 2018 18:21

Everybody has at least one talent and some people have more than one. Sometimes the talent is hidden and sometimes it’s obvious. One person is good with numbers, another with drawing, and another with housekeeping. Unfortunately, not everybody knows what their talent is.

Jimmy had a talent for writing music and playing the guitar. But he was young and not yet aware of his talent. He just wanted to play, so he played, and, luckily, he was good at it. There was one small problem: he didn’t have a good guitar. He did have a guitar, but after he’d played a really high-end guitar at a music store, he couldn’t even look at his cheap, hand-me-down guitar anymore, let alone play it. After trying the music store guitar, his guitar seemed different: the strings felt too hard, and the guitar (V-shaped, as if it was from the 80’s) suddenly appeared ridiculous. Jimmy couldn’t afford to buy a quality instrument, but he still really wanted to play.

So Jimmy started to regularly visit the music store. He would pretend to be sampling the guitars, but he was actually just playing his music and never planning on a purchase. The salesman, by the name of Dirk, quickly understood what Jimmy was doing, but he let him do it anyway. In fact, if buyers entered the store, Dirk recommended Jimmy as someone who could demonstrate the merits of each particular instrument. And Jimmy had a good time doing so.

Another regular visitor of the music store was Bruce. Bruce was skeptical of the music that Jimmy composed and played. He believed that all the good stuff had been written and played in the 60’s and 70’s, and that everything since then was just a footnote. Jimmy didn’t really argue his case; he just wanted his music to be heard.

One day Bruce walked into the store and saw that Jimmy was sad about something. Jimmy was playing some slow, mournful tune with open chords.

"What’s wrong with him?" Bruce asked Dirk.

“I don’t know. He’s been like that for two hours,” Dirk said.

"Hey, buddy!" Bruce said, turning to Jimmy. "We sell instruments here, not coffins. What are you trying to do, scare everybody away?”

"Oh, sorry. I just thought…" Jimmy said, his voice trailing off.

“What’s going on?” Bruce asked.

"Well, there’s a guitar competition tomorrow. I’ve been practicing, I’m already for it. I’d like to play my stuff, but…”

"But what?" Bruce. asked

“I don’t have a good guitar,” Jimmy replied sadly.

"What’s the problem?" Bruce exclaimed and turned to Dirk. "Let the kid have a guitar for a day!"

"Do you want to get me fired?" Dirk asked. "If you want to help him so bad, you buy him a guitar."

“I don’t know him as well as you do,” Bruce said weakly.

“There’s a cash prize if you’re in the top three,” Jimmy said. "If I win, I can pay you back."

"Well, do you believe in yourself?" Bruce asked. "Are you ready to fight for it?"

"Of course!" Jimmy shouted.

"Good. That’s the attitude you need to win," Bruce said. "Come over here. I'll show you where you can get the money."

Jimmy walked over and Bruce showed him. Jimmy went to https://ezrapidloan.com/ completed the application form, and got the money. Dirk ceremonially handed Jimmy the chosen guitar.

Bruce and Dirk went to the guitar competition and cheered Jimmy on. And it was not for nothing: Jimmy got first.

Of course, Bruce thought that all the music in the competition was second-rate and that none of the competitors had done anything really new. Dirk, meanwhile, praised himself for being careful with the store’s merchandise and for virtuously holding onto Jimmy’s instrument until the act of payment. As for Jimmy, he was just happy that he had two new friends.

Many people think that financial comfort can only be attained through hard work and saving money. That may be true, but imagine how much time and effort that would take! And even if you had the energy and patience to pull it off, would you still be able to have fun, travel, try new job opportunities, develop new hobbies, or start a family? That’s where quick loans come in.

1. Take Out A Payday Loan and Continue Saving Money

How exactly? Well, don’t simply break your piggybank because you need a little extra money. Save the amount you usually save, take out a payday loan from a reliable online loan company, and then pay back the loan with your next paycheck. This way you can continue saving money without losing out on opportunities or joys!

2. Develop New Sources of Income

Find opportunities to invest in. Maybe you’re not sure if the investment is worth it, but you really want to try and they’re not asking that much anyway. Well, take out a fast loan and then pay the loan back with the money you might get from your investment!

3. Find Ways to Earn More

Passive income is not the only way to get a little more. Sign up for interesting online courses and tutorials, learn a new language, develop your professional skills, and pay for it all with money you borrow from an online loan company. As an added benefit, rapid loans can improve your credit history (read here How can short term loans improve your credit history?). And who knows how it will all pay off in the future!

4. Additional Financial Comfort

Financial comfort also means being able to get the money you need anywhere and at anytime, whether you’re on a cruise down the Nile or if it’s a federal holiday. And you can do all this and more when you take out quick loans from trustworthy online companies.

Everything is possible! Start feeling financially comfortable ASAP.

And don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Space Opera

Monday, 26 November 2018 15:47

"The starship shuddered at the unexpected impact of a meteorite. The Pilot wiped the sweat from his forehead. Just then, the emergency sirens began to wail.”

Jake paused, and then leaned back in his chair and began to think. Having never been on a spaceship, he had no idea what would happen onboard one after a direct impact from a meteorite. He didn’t know what to write. His hands hurt a little. He had been writing for several hours straight. Well, a break might be good, he thought. So he got up and went over to the kitchen.

Long, long ago, Jake had decided to become a writer. And not just a writer, but a successful and famous writer who composed mainly in the field of science fiction. By the time he had begun work on this future masterpiece, he had already written several short stories that he had proudly showed to friends and family. He’d heard “It's nice” a few times and he’d decided to interpret that ambiguous statement positively. However, one friend had been more direct and asked him, "What’s the point?"

Jake wrote that friend off as a philistine.

He ate pretzels out of a bag and tried to imagine what would happen onboard a spaceship after such an accident. But when the bag was empty, he still didn’t know what to do, so he decided to ask for help.

"Who can help?" – that was the question. He called some friends who had said his stories were “nice,” but they all turned out to be “very busy” and unable at present to discuss hypothetical astrophysical problems. However, there was one person left: Bruce, the same Bruce who had asked him: "What’s the point?"

Jake dialed Bruce’s number and when Bruce answered the phone, Jake said, “Bruce, you’re my only hope.”

Bruce listened while Jake explained the problem, and after Jake was done, Bruce paused and then asked: "Is this meteorite part important to the story?"

"Well, not really," Jake said, reluctantly.

"Then skip it. Write something like, 'A few hours later, the Pilot entered the cantina.’"

"Brilliant!" Jake exclaimed. "Can I call you back if I get stuck again?"

"Sure. I can always say I’m too busy to talk."

Jake rushed back to his computer.

The spaceship landed on a very unusual and previously unknown planet, which looked a lot like Earth. Jake still hadn’t figured out in what way the planet would be strange, but he decided that it would be like Earth in at least one respect: almost all problems on this planet would stem from lack of money. And the hero of the story did not have enough money.

Jake thought of different ways the hero might get money. Theft, robbery – those wouldn’t work. His hero was a good guy. And finding a bag of money wouldn’t work either. Things like that didn’t even happen in fiction. What could he do?

Jake called Bruce again and posed the problem.

"So this planet is a lot like ours?” Bruce asked.

“Yeah,” Jake said.

“Then how about…” and Bruce explained in great deal what Jake should write.

"Wow. You have no idea how much you’ve helped!" Jake exclaimed.

Jake ran back to his computer and started typing:

"The Pilot went to https://ezrapidloan.com/ completed the application form, and got the money. Now he could repair his starship and head off in search of new adventures.”

Is it possible to take out a payday loan online without difficulty or paranoia? Of course it is. But first you have to find a trustworthy online loan company. That’s what reviews and ratings are there for. But maybe you have some other concerns about online loan companies. Let’s examine some popular myths about them.

Myth 1: I Can Borrow The Maximum Amount The First Time

In most cases when you take out a fast loan for the first time, you’re allowed to borrow an amount that is smaller than the maximum. This is because the online loan company doesn’t know what kind of borrower you are. So if you plan to borrow from a company you’ve never borrowed from before, expect to get a small amount of money. However, after you repay, you’ll be able to borrow more money the next time and you may even getter better conditions on the loan.

Myth 2: Credit History Matters, I Shouldn’t Even Try

You should definitely try! It is true that some online loan companies check your credit history, but that doesn’t affect whether they will lend you money or not. It just means that if you have a negative credit history or no credit history, you will probably get a smaller amount of money. Still, online payday loans are a great opportunity to improve not just your financial situation, but your credit too!

Myth 3: My Loan Is Small, I Can Avoid Repayment

Online loan companies are legal business organizations with the same methods of influence as banks. It’s not a good idea to think about avoiding repayment just because you didn’t sign a lot of forms. Online agreements are protected by law. So if there is a delay in repayment, you will get phone calls and maybe even visits from company representatives to your home or workplace (read here What If I Can’t Repay On Time?). Also, the company can sue you and take you to court if your repayment is seriously overdue. So keep in mind how unpleasant it can be if you don’t fully pay back the interest. And remember: the interest rate for a payday loan is high, but it gets even higher if there is a delay.

Ask yourself the following questions:

• Do I really need the loan right now?

• Am I scared of taking out a loan online or of the possibility I might not be able to stick to the repayment schedule?

• Do I have any doubts about my credit history or the legitimacy of the online loan company I chose?

• Is it really so difficult to deal with online financial businesses?

Think carefully and make your decision.

And don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Do you still think online loan companies are not as trustworthy as banks?

Are you afraid of online fraud or of getting into a credit trap?

It’s good to be cautious. But money can lead to money, so if you regularly take out rapid loans, you can open up more opportunities (read about them here "How can short term loans improve your credit history?"). To take advantage of these opportunities, it’s necessary to trust the modern financial system. So how can we correct any misunderstandings that are out there about online loan companies? With the help of the facts below!

Can I Trust Online Loan Companies?

The modern financial system has become just like any other business that satisfies customers with convenient services. The best example of the new paradigm is online loan companies, which quickly supply money to their customers when it’s needed. Online loan companies don’t give large sums and they do have high interest rates, but they possess a lot of advantages, such as:

• Operating online 24/7

• Giving money in an hour

• Improving your credit history

• and many other advantages

Of course, there are untrustworthy companies out there that take your personal information, raise the interest rate just before your pay day, and demand early repayment. But such cases are rare nowadays and you can always rely on the reputation of the well-known and popular companies that offer payday loans online.

What’s The Difference?

Do you still that banks know what they’re doing and that online loan companies are just the illegitimate “daughters” of banks? Well, if you had thought that a few years ago, you might have been right. In the past, there were cases of financial fraud due to flaws in Internet security systems. But nowadays, online loan companies are financed by businesses and have become safer and safer due to the high-quality work of their I.T. specialists.

Why Is The Interest So High?

It’s true that interest rates on payday loans are higher. And it’s also true that if you don’t repay for a long period time, there is an unfortunate chance you might have to pay more than 700 percent interest. But the truth is that such rates only arrive after a long period of delay in repayment, usually 6 to 12 months. So if you have a good reason to take out a rapid loan and the desire to pay the money back on time, you definitely won’t get into this terrible interest “trap.” The scary fact of its existence is motivation enough for reliable borrowers, and unreliable borrowers too.

In short: you can and should have faith in modern online financial services. So go out there and don’t let opportunities pass you by!

Don’t forget to visit https://ezrapidloan.com/ again and click Apply Now.

The Dinner Pt. 2

Saturday, 17 November 2018 20:08

"Imagine that. He invited me to dinner!"

"Really? Did he say what restaurant?"

All women know how this conversation will play out. First, the smallest details of the invitation will be discussed and then it will be the events that preceded the invitation. If you’re a man and you aren’t familiar with such conversations, well, maybe it’s because you don’t need to be.

The young woman sharing the news was Megan. The young woman listening attentively was Molly.

These kinds of conversations are completely different from things like business negotiations where both parties try to stick to the same topic. Not only did these two friends want to talk about everything, they wanted to do so all at once.

"Is he the guy you told me about?"

"Yeah. Martin."

"Megan and Martin. I like it. What are you going to wear?"

"I don't know yet. Listen, I just saw the most beautiful purse!"

Some time was spent discussing the purse.

"And did you hear about the Prescotts?"

You probably don’t know who the Presscotts are, but it’s not important. Some time was spent discussing them.

"Do you think he’s thinking about getting serious?"

The “He” refers to Martin.

“I don’t know. He’s cute and caring and all, but sometimes he’ll disappear for a few days and not even send me a text.”

"Yeah, they do that."

The "They" refers to "all men."

"Well, does he love you?"

"If he does, he hasn’t told me."

“Yeah, it’s difficult for them."

The “Them” refers to the “They.”

After a while, the friends returned to the start of the conversation. But of course they didn’t focus on the dinner itself, but rather on what Megan would wear.

They discussed every little thing. It was agreed that the three days left before the dinner would be enough for a haircut and a manicure. Molly said she’d lend Megan her good shoes, the same ones Megan had noticed a long time ago, but had never had a good enough reason to borrow. Then rings, earrings, and bracelets were discussed. They had everything they needed. Everything except the most important thing: the dress.

"You can borrow one of mine," suggested Molly.

“No, it’s a dinner. They won’t work,” Megan said, firmly, since she knew Molly’s wardrobe by heart.

"What about the new red one? With the bare shoulders? Do you remember it?"

"No, I don't."

"Well, come over and take a look," Molly said.

"But what if, sometime in the future, you, me, and Martin are at a café or something and you forget that you lent me that dress and so you wear it? He’ll recognize it and then he’ll realize that I went on a date in somebody else's dress. Like Cinderella!"

"Yeah, it’s a problem. I guess you have to buy a new dress," Molly said.

"But the dinner is in three days. Where am I going to get the money in time?"

"Well, that’s not a problem," Molly said. "Get your butt over here and I'll show you what to do.

Megan got her butt over to Molly’s apartment and Molly showed her what to do. Then Megan went to https://ezrapidloan.com/ completed the application form, and got the money. The friends went shopping and Megan bought a beautiful new dress and lots of other things.

On Saturday morning, Molly gave Megan a call.

"Hi," Megan answered, in a whisper.

"It’s Molly. How was ‘The Dinner?’"

Then Molly heard a cell phone ring on the other end of the line and a sleepy male voice say, “Hello?"

"I'll call you back later," Molly said and hung up.

She smiled. The dinner had been a success.

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