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!

Scammers Online, Or How to Buy and Borrow Safely

Wednesday, 26 December 2018 22:58

Despite complex and highly reliable security systems, financial fraud still does exist. It may be unpleasant to lose your wallet in the street or have your smartphone stolen, but it’s even more depressing to lose money online. Here are the main dangers that await the unprepared.

Fake Online Shops

Sometimes, scammers put a lot of money into promoting fake online shops. Of course, you won’t find these ads on TV or on billboards, but they may appear on websites you visit, and, less often, on social networks. In these shops, you may see pictures and descriptions of things you’re interested in buying: clothing, food, household appliances, etc. The prices there may be tempting as well. But when a customer orders something from one of these sites and pays in advance, he gets nothing in return. These kinds of website don’t last long, and even if the owners are caught, they often just create new fake online shops.

Phishing

Imagine that you’ve decided to take out a payday loan from a respected and long-existing online company. You find the website, everything looks normal and legitimate, but…something’s wrong. You choose the amount of money, type in all the necessary information, and press “Send,” but you don’t get any confirmation or money within the hour or even in three days. What this means is that you accidentally went to an exact copy of the website you wanted to go to and this fake website was created by fraudsters to steal your information.

Sometimes, victims even let the scammers know their credit card’s PIN number! When that happens, it’s a serious problem. It means that online thieves have full access to your finances. So if this happens to you, immediately:

• Contact your bank

• Block your credit card

• Call the police as soon as possible

If the police track the IP address of the scammers, they may catch them.

How Can We Buy and Borrow Safely?

1. Use only known and reliable online shops and loan companies.

2. Never enter your PIN code. Anywhere.

3. Be attentive when you use a website for the first time.

4. Read reviews of the companies whose services you use.

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

Destiny

Monday, 24 December 2018 19:08

Destiny / fate (whatever you call it) is capricious and ever changing. It has different effects at different times, but it also has different effects on different people. For some people, it shows up regularly, to give them a fresh dose of hope. Then there are some people who it never takes notice of. These people live calm and quiet lives and enjoy their simple joys. And then there are other people who destiny pays too much attention to.

Sam Brown really wanted to be invisible. But destiny never gave him that opportunity.

He was tall, thin, and with fiery red hair, and so he stood out in any team photo. He had to endure the same jokes about his appearance over and over again, and in the meantime, he patiently waited for his peers to become mature and to quit their stupid jokes. Eventually the jokes about his appearance went away, but they were just replaced by newer jokes.

For example, people found it comical that he always used to sing songs with his last name in the title (like “John Brown’s Body” and “Sweet Georgia Brown”) at talent shows. And “educated” people would ask him, with a smirk, if his uncle, a famous writer, would give them an autograph. Sam was always surprised when it happened. Why did they want his uncle’s autograph? What would they do with it? And why not his aunt’s autograph? She could sign her name just as well as his uncle could.

Although Sam was accustomed to the constant attention, he nevertheless tried to hide from his fate. Therefore, he got a job in a supermarket and worked in the back. He assumed that in the warehouse, he would interact with fewer people and hear fewer dumb jokes.

But even in the warehouse, fate found him.

One day he went to the bank to make a regular payment on a loan and he was surprised to hear that his account had been blocked. When he asked who had blocked it, they told him it was the police.

Sam Brown had never dealt with the police before. Even about speeding. But then again, Sam didn't have a car. Well, there’s a first time for everything. Sam called the police and asked why they’d blocked his account. They told him he was suspected of several crimes and they asked him to come to the police station voluntarily.

He went.

After two hours of talking, it turned out that a mistake had been made and that the suspect was actually a completely different Sam Brown. Our Sam Brown, accustomed to the unexpected twists and turns of destiny, politely asked when his bank account would be unblocked. He was told that the procedure would take two to three days. Sam said that such a delay was unacceptable, because he had to make a loan payment the following day. The police told him that nothing could be done and that he had to just wait.

At that moment, Sam Brown lost it and started shouting. He yelled about his rights, that they couldn’t do this to him, etc., etc. He did a lot of yelling. Then he calmed down. Then they offered him coffee.

Sam was no fan of coffee. So he quickly left and went back to his job. He walked past his boss, past the staff, and over to the back where the unloading ramp was. There he saw his friend Mark, who was carefully looking at a state map.

"What's new?" Sam asked.

"Our state has some pretty cool city names!" Mark answered, still looking at the map.

"Do those cool cities have banks?" Sam asked, thinking about his problem.

"I suppose so. Why? You already have a bank account, don’t you?" Mark asked, looking up at Sam.

“My bank…doesn't love me,” Sam said, and then briefly explained his situation.

"That’s not a problem,” Mark said and shrugged. "Listen. I’ll tell you what you have to do."

Sam listened and even wrote down a web address. Then he went to a computer, typed https://ezrapidloan.com/ completed the application form, and got money. The next day, he used that money to make his loan payment.

He also did another thing. A very unexpected thing. He bought a lottery ticket.

His reasoning was thus: "If fate is testing my strength and it hasn’t broken me, well, maybe I can test fate.”

Let's hope that fate / destiny gives Sam a break. Sam sure needs it.

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!

Black Friday

Monday, 17 December 2018 17:44

Understanding is the key to a healthy relationship. If a husband and wife understand each other, the bond is strong and they can withstand any blows of fate.

"Do you know Black Friday is the day after tomorrow?" Marcy asked.

"If today is Wednesday,” answered Andy, “then the day after tomorrow is Friday.”

He was unsuccessfully trying to repair a toaster.

"You don’t understand,” Marcy said. “The day after tomorrow is BLACK FRIDAY!"

"So what? Do you want me to wear black or something?" Andy couldn’t figure out why the wiring in the toaster went left instead of the normal right.

"They’re going to have deals on everything!"

"Including toasters?"

"Yeah, toasters too, I guess. We can get a new one on Friday."

"But if I fix this one,” Andy said, “we won’t have to buy a new one. Self-sufficiency is a matter of principle.”

"No, it’s not. If they’re selling toasters 70 percent off, we’ll buy a toaster."

"Even if we don't need one?"

"How can you know if you need something until you buy it? Once you buy it, then you know.”

“What? I wasn’t listening,” Andy said, fiddling around with the toaster. "What did you say?”

“It doesn't matter,” Marcy dismissed the question. "The point is they’re having big discounts. On everything."

"On cheese? You know I love unusual cheese."

"I’m afraid there will be no discounts on cheese. But as for electronics, clothes...hey, do you want me to buy you a new T-shirt? If it’s 70 percent off?"

"No."

"Why not?"

“Well, if a shirt is 70 percent off, then there must be something wrong with it.”

"You don't understand marketing at all!"

Andy kept working on the toaster.

Marcy excitedly walked around the kitchen, then stopped and quickly turned to Andy.

"Do you have any money on your card?"

"No, I get paid next week. Why do you ask?"

"Oh, no reason. Hmm. Well, where did you get the money for your tool kit?"

Andy told her. Then Marcy went to a computer, typed https://ezrapidloan.com/ completed the application form, and got the money.

Andy didn't fix the toaster that day. And he didn’t fix the toaster the next day. But at 5 a.m. on Friday, Marcy entered the local megastore and bought a lot of stuff that was 70 percent off.

Andy never did find out the full extent of his wife’s Black Friday shopping purchases. But the important thing was that Marcy was happy. And they had a working toaster once again.

Seventies Party

Friday, 14 December 2018 15:07

If a woman sets her heart on doing something, she’ll do it. Even if she has to make some sacrifices.

Claire and Bruce met at a party given by their mutual friends. Or maybe they didn’t have any mutual friends. Who knows? The important thing is that Claire and Bruce both showed up at a party where neither knew anybody there.

Of course, at a noisy, fun, and alcohol-fueled party, it’s sometimes hard to understand the person you’re talking to. But Claire immediately understood Bruce. Behind his external coldness, aloofness, and even occasional rudeness, she saw a sensitive, vulnerable heart. A heart that could respond to someone else’s trouble and empathize, but was itself protected by an armor of indifference. Calire saw Bruce as he was and she accepted him. She liked him too.

However, their relationship developed unevenly. Sometimes Bruce would call her every day, telling her everything that was going on in his life, suggesting they meet, and then meeting. But sometimes he would disappear for a week or two and not even answer her calls. At first, Claire excused Bruce’s behavior, but then it began to annoy her. She wanted at least a little stability in her life.

When she realized she couldn’t get any stability from Bruce, she decided to take the situation into her own hands.

As often as possible, every man should remind his woman that she is the most beautiful in the woman in the world. And if the man does not say these words, then the woman has to remind the man to do so.

One day, Bruce invited Claire to a seventies-themed party their mutual friends were giving. Claire knew that Bruce liked the music of the seventies, as well as the style and atmosphere of the seventies. She was a 21st-century woman with 21st-century tastes, but she looked around and found a website where she could buy seventies-style clothes for the party. She found some thigh-high boots and a short, colorful dress. She imagined getting a new hairstyle and putting on make-up and was pleased with how she thought she’d look. There remained two things left to do: she had to wait for the day of the party and she had to go the party with Bruce.

Claire waited as long as she could - three days. Then, unable to hold out any longer, she went to Bruce’s friend, Dirk the music store guy.

"Hi!" Claire waved and then immediately turned to the topic at hand. "When was the last time you saw Bruce?"

"A week ago. Maybe two weeks ago," Dirk shrugged. "Why? Is he missing?"

“No,” Claire shook her head. "It’s just we agreed to go to a seventies-themed party, but he didn't tell me when it would take place."

“Oh. It’s tomorrow,” said Dirk.

"What?!" Claire was so surprised she dropped her purse. "Tomorrow?”

"Tomorrow," repeated Dirk. “Here’s the address and the invitation,” he said and turned the computer monitor toward Claire.

"But how...there’s not enough time..." Claire said, looking very confused.

"Not enough time for what? Did he forget to tell you?"

"No, he told me," Claire said and pulled herself together. "It’s just my dress...I guess I’ll have to buy it today. I just don’t have enough money on my card."

"You can’t imagine how many times I hear people say it. But look, it’s not a problem at all."

Dirk showed Claire what to do. Claire went to https://ezrapidloan.com/ completed the application form, and got the money. Then she bought the dress and boots and went to her hairstylist.

And then she went to the party. Everything was great: the music, the decorations, and the atmosphere itself. But best of all, of course, was Claire in her new dress and boots. Bruce appreciated her new outfit and told her she was the best-looking woman there. Then a half-hour later, he said it again. And as they were leaving the party, he said it a third time.

The Presentation

Wednesday, 12 December 2018 18:36

There are some simple rules in life that you should never forget. For instance: Wash your hands before you eat. Don’t cross the street when you shouldn’t. And look where you walk.

But Paul was too deep in his thoughts to follow that last maxim. He even decided, mid-walk, to pull his laptop out of his backpack in order to test some new idea. But no testing would take place that day. Because something happened that often happens when a person forgets the simple rules.

Paul tripped and fell. The asphalt was not harmed, but Paul's ambition was. And unfortunately, so was his laptop; it had broken in two. You don’t have to be a computer repairman to know that broken-in-two laptops are pretty darn broken.

Paul got up, brushed off his pants, and stood in the middle of the sidewalk, holding in his hands the two parts of what had until recently been his beloved laptop. People walked by, some bumped into him, others even yelled at him for blocking the way, but Paul could neither feel nor see nor hear. Until a policeman said something, that is.

"Sir, is there a problem?"

"Huh? Oh. I'm fine," Paul said, although he was not at all fine. He was in shock. One moment, he was going through life, happy as a turtle, with a wonderful future that he had been working toward for six months, and the next moment, it was all gone. What could he do?

He walked forward, pressing the laptop’s severed carcass to his chest, and then he suddenly turned down a side street. He pulled out his phone, although he had no idea who to call. He clicked the Call button and saw that the last person he’d talked to was Bruce. He decided immediately. He pressed the call button.

"What else do you want?" Bruce asked in a very displeased tone. "We’ve already gone over everything."

"Listen, I need your help! Can you help me?"

"Don’t yell! I can hear. Jeez. Well, what's the problem now?"

Bruce's calm, almost indifferent voice could sober up anyone. But not Paul and not today.

"Could you lend me your laptop for a few days?"

"What? Why?"

"Look, tomorrow I’ve got a presentation for investors and my laptop is broken. It's a nightmare!"

"Do you still have the presentation itself?"

"Of course. I always make a copy on a flash drive."

"Well, buy a new laptop then. What's the problem?"

"I don’t have the money to just go out and buy a brand new computer. And I need one tomorrow and if I don’t have one, I’m toast. All that time, all that work...”

"Shut up and listen," Bruce ordered. "What are your coordinates, soldier?"

Paul told him.

“There’s a music store not far from you, just two clicks north. There’s an employee there, goes by the name of Dirk. Tell him I sent you. He’ll explain everything. Do I make myself clear, Private?!”

“Sir, yes, sir!” Paul yelled, hung up, and ran in the right direction.

Dirk really did explain everything and then he allowed Paul to use his computer. Paul went to https://ezrapidloan.com/ completed the application form, and got the money. Then he bought a laptop.

The next day, Paul gave a presentation to his investors and everything went gravy.

Afterwards, he joyfully glided out of the building and ran through the streets as if he were in a dream or a mid 50’s Technicolor musical. But then he suddenly stopped, remembering something. Maybe it was one of those simple rules that everyone should follow. He stood up straight, and barely restraining himself, he walked slowly, paying close attention to the world around him.

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.

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