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!

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.

Who Can Take Out a Payday Loan?

Monday, 10 December 2018 21:53

Are you interested in getting a loan? Most likely, the first thing you’ll think of doing is going to your bank’s website in order to learn more about their loan programs. And it’s quite possible that you’ll see large loan amounts that can take several days to be processed. But what if you need a small amount of money to cover current expenses, pay bills, repair equipment, or spend on an unexpected little trip? Can you take out a loan quickly? Do you fit the criteria?

Yes, you do fit the criteria…if you borrow from an online loan company. Speed is their second name. You can get a loan 24/7, weekdays, weekends, holidays, whenever (read more here: Choosing an Online Loan Company). Let’s see what the criteria are:

• You are 18 or over

• You have a driver’s license or passport

• You have a debit card or credit card from an American bank

• You have a phone number and an e-mail address

Maybe it sounds too easy. Well, here are the answers to some frequently asked questions,

Do I Have To Be Employed?

No, it’s not necessary. Whether you’re temporary unemployed or unofficially employed, on maternity leave or retired, you still have an opportunity to get a fast loan. While it’s true that it’s best to have some kind of income (even if it’s low) to prove you can pay back the debt and the interest, online loan companies have very flexible conditions. You always have the chance to reach an agreement quickly.

They Won’t Like My Credit History

Maybe they won’t. But you will usually be able to borrow at least the minimum amount the company offers, since online loan companies want new clients and are willing to provide the necessary amount for a short period of time. And if you take out a loan and pay it back on time, it will improve your credit score.

In short: literally everyone can take out a payday loan. And that’s a great thing.

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.

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.”

Page 1 of 2

Want to Explore More?