Sunday, April 3, 2011
My friend got a pay day loan?
and used me as a reference NOT a co signer! the payday loan company calls and leaves me a voicemail saying they are suing my friend and my name will be included in the lawsuit..I am not sure how they got my social security, and the bill collector said I was a reference not a co signer. I need to appear on court Feb 4. I have not received a letter and this is my first phone call
Do you think it is worth it to take out loans for a private college?
I REALLLLLLY want to go to this school, but it's private (So it's expensive). I want to be a sociology major, specifically in human behavioral studies; religious, culture, music, traditions. I'm super passionate about that stuff, the idea of researching that topic is super appealing to me. I'm gay and Buddhist and know first-hand what it's like to be different. I also understand what and why different cultures develop different customs. I understand that in America we view dogs to be pets and cows to be farmed food and Vice versa in the west, and i don't mind that. I find all that fascinating. I like the idea of exploring, learning about the people, meeting them, making bonds with them. I want to travel and try new things. Like cooked tarantulas, worms, maggots, snakes, everything. I want to EXPLORE.= i just wanted you to know that before giving me an answer. I AM SERIOUS about this stuff. Do you think it is worth it to take out loans for colleges even it is as high as 50k? I know it's a lot, but my teachers and friends parents have all told me that they took out loans and haven't regretted it. They are still paying them back, but make money for it and are happy.
How to experience poverty firsthand?
I want to do an experiment to see what it is like to live with a low-income or in poverty. The problem (well, a good thing actually) is that I am married, we both work, and have health insurance. I'm certainly not going to give up my job for an experiment so what can I do to do see what it's like to live with little money. I lived in South Chicago for a month in college but because I'm working I can't do that. I tried living on the amount food stamps pay each month but to be honest it wasn't that hard because I knew I could have my normal meals in a month. We volunteer at the local soup kitchen and do overnight watches at the homeless shelter, so I see poverty, but what can I do (keeping my job, etc) to experience poverty? Thanks
I currently have payday advances out and I currently just lost my job. What do I do?
I have payday loan/advances out right now and I just lost my job. I do not have the money to pay them off right now but I will in the coming weeks. What are my options? What do I do?
Why is it that white people are rude and hang up the phone or slam the door when I try to help them with?
their foreclosure problems. My team and I have helped hundreds of people modify their loans and those who didn't qualify for a modification short sale their home, most families have been Latino families, I"m also Latino. Is it that Latinos are nicer people overall or are white people rude because I am Latino, or are they rude to everyone?
If i had a post dated paycheck?
and I accedentlly cashed it early (see i had two checks from the same company, one was last payday, and the one i cash was for today (1/28/11) but i cashed it last night.) I went to a local store and they took and and i didn't think anything of it, till i noticed the old paycheck in my car. I called them and told them, they said it was fine, and that the bank would get it prosessed tomorrow (today), since they did a late deposit to the bank...... Am I in the clear?
Did Floyd Mayweather lost his confidence?
With all the urging that is being said even by his own team suggest that he is. Floyd Sr. knows better and he said it's dangerous fighting Manny after all what they witness, adds more to his reluctance to fight Manny. He is not sure of beating Manny Pacquiao unlike what he always said. Nobody especially fighters who will accept that they were scared to fight somebody in the ring, they will always make an excuse but action speaks louder than words.
Why won't payday loans go to creditors?
The payday companies refuse to send negative accounts to third party collection companies, why?
Can i buy a home in north carolina if i live in nj?
Yes you can but you would have to get an investment loan that differs from a normal mortgage loan and usually requires a higher down payment and more expensive insurance. A better suggestion would be to try to co-sign a loan with your son and have your son be the owner occupant. It does not matter which state you originate the loan, but only your lender could specify how much down payment would be required. I do suggest you look into the FHA Kiddie Condo program as it seems very applicable to your situation.
Lookin to buy a home?
me n my fiance are wanting to buy a house before we get married so we can just come home to it after honeymoon.we are new to all this.he has good credit,mine is still new.we were wondering if we could put his $600 truck note n my $400 car note on to a house loan n have one note?? we have no idea an wanted to look around before we went into a bank.he has nothing for collateral but with all our bills now we cant afford a note so could we just throw it all into one..any body have any ideas on what we could do ? thanks
98k in debt can anyone help?
take out a second mortgage on home and pay off credit card debts. cut up credit cards. make budget and stick to it. the home loan will be at a much lower interest rate than the credit cards, reducing your monthly expenses. if you can get enough to pay off other loans as well i would suggest doing so. then with all the money youre not spending on credit cards every month apply to home loan and reduce that as quickly as possible. from then on, if you cant pay cash.......dont buy it.
What do you think about NBA contraction?
The nba needs to reduce to 24 teams. If there are going to be super teams contraction is the only way to go.
Am I Wrong For Wanting To Be Alone On Valentines Day?
My fiance wants to take me out for Valentines Day, but I know that he cannot afford it. He is trying to get a payday loan to do so, which I think is terrible, and he seems to be offended that I would rather stay home by myself and watch movies that I know he is not going to like but I would quite enjoy. What should I do? It's not that I don't like Valentines Day, I love it, but I feel like he never really prepares for it and that takes the romance out of it. If he had planned everything ahead of time without taking out a payday loan then I would be fine celebrating, but I know how much he is going to be charged on repayment and we are trying to save to get into our own apartment. I am not going to be comfortable celebrating knowing we are doing things that he cannot afford right now. I am confused as to what to do.
Ankle monitor work program?
when you have been approved for the ankle monitor work program where you are on a monitor but are allowed to go to work, what are the rules and do you turn in a time sheet and copy of your paycvheck every payday to probation
Please help me with a payday loan?
I'm sorry to tell you that you won't qualify for any loans and it would be difficult for you to even get a payday loan. You have no job, you have horrible credit and you are on benefits (which can't be garnished if you don't pay back your loan). You are just going to have to live on what you have from your benefits. If you have money trouble consider selling some of your things, or canceling services that aren't essential (cable/internet).
WIC? Do some women just get it for the free food and don’t really need it?
Their are those who cheat and scam the system. I am more concerned about those who truly need the help and will be in jeopardy with out assistance. Punish those who abuse and help those who need it. Solves a lot of problems.
Will I lose unemployment benefits if I quit my part-time job? Please help?
First off, I live in California. About 6 months ago I had picked up a second job (part-time, the job I'm working now) in addition to my full-time job that I had had for almost 4 years. Three months ago I was let go from my full-time job so I was able to collect unemployment. The problem is, my PT job is 3 hours a day, for minimum wage. I'm going to have to move back in with my dad who lives an hour away in about a week or so, and if I was to keep the PT job, the cost of gas to get there would eat half of each day's wages. Not worth it since my income is capped by my unemployment, meaning however much I work or don't work, my unemployment adjusts to make it the same every month. I am also actively looking for work and have started going on more interviews. I don't like the idea of constantly asking for days off, especially if it's to find another job. It seems wrong to me but I don't know what to do! I can't afford to lose my benefits because of my financial obligations like my car (which I need for work). I just finished University and my student loans kick in soon, and I won't be able to afford that in this situation! I tried calling an EDD rep at my local one-stop and he said he doesn't know for sure if my situation would allow me to maintain my benefits. My dad lives in a larger area with more job opportunities but with EDD, you never know. If you know whether or not I will lose my benefits please help!
What or how is a best way to get out of complete debt?
I am at lest $20,000 dollars in debt. This includes credit card, payday loans, and a student loan. Yet! I'm confused as to what is debt consolidation and how is works. I'm disabled and on a monthly fixed income anyway. How does debt consolidation work? What are the pros and cons. What are my options at this point. Anybody got any suggestions-only serious and helpful answers are wanted. I just want to be debt free. Can anybody help me.
My sister is constantly used by her friends and got angry with me for telling her that?
Sometimes you just have to let them know. Age doesn't matter, the obvious isn't hidden from you just because your 1.5 years younger. She will get over it, but i doubt she understands what you said, at some point in the future, something will happen and she will probably say "you were right".
Do you think the Democratic Sens who made their way from Indiana and Wisconsin to Illinois are heroes?
I wouldn't go that far but yes, they need to be applauded for standing up for the rights of AMERICAN workers.
My Private student loans are in default. What can I do.?
I have a couple of private student loans in default. I was unable to keep putting them in forberance and deferment and now I am in default. I don't know what to do. I can't pay anything because I don't make much and I have a child. They won't work with me they only tell me I need to pay the full amount now, What in the world, If I had money saved like that I would have never borrowed it in the first place. Someone please help.
Did the banks win the mayor of Chicago tonight?
a href="http://www.opensecrets.org/politicians/contrib.php?cycle=2008&cid=N00024813&type=I" rel="nofollow"http://www.opensecrets.org/politicians/c…/a
Why should a man be considered not relationship material if he ask to borrow money from you until payday?
It's the old school way of thinking, that MAN provides and cares for WOMAN. A man is supposed to be the provider and if you have to ask the female for funds, then I guess then it could be interpreted that you are not financially fit, a risk. I don't think that women who think this way are gold diggers. I think they are smart to question their possible mate so that a trusting relationship can be formed.
Constant pay changes?
I worked for my employer for 4+ years. In that time he changed my rate of pay multiple times. 10+. He felt he was paying me too much for the job I was performing. He always paid me a base, then a Bonus on top of it. He would always make the Bonus plan to where he felt I could not reach it. When I did reach it, after a couple of months of hitting the bonus, he would change it again and either reduce the Bonus, or reduce the base. Most payday's I would have to spend several hours out of the day explaining what I had done to earn the bonus, and how I did it within the companies guide lines to reach the bonus because if I did not, they would just not pay me for it. It was a weekly battle with them to get them to pay me for what I had done and they came up with multiple excuses as to why they should not pay me correctly. They gave me a written contract in 2008, then changed it multiple times over the next few months, claiming they could because of a clause they wrote into stating they and I have the write to change it at anytime. The contract was not a professional contract, they wrote it off the cuff and was not reviewed by any attorney ever. Finally they stopped giving me a written contract and would just change the way they would pay me at there convince. I always told him how much I needed to live on from day 1, and they agreed to it, but they always tried to make it less for what ever the reason might be. This past year they made the base the lowest it ever was and reduced the bonus to a point where I could not support my family. I was forced to quit to find other suitable employment. I was never written up for poor performance, suspended or reprimanded in any sort of way. When I asked about the most recent change, I was told by the manager, " it's my job to find ways to not pay you and to put money into the company and the owners pocket". That was when I realized it was time to leave the company. Do I have any recourse towards the company?
Payday loans/cheque cashing store?
Hi all, I am in the process of opening a payday loans and cheque cashing business that will offer other services as well such as currency exchange and money transfers. I am familiar with most of the services except the cheque cashing and money tranfer. Does anybody know how the cheque cashing works? and how I could set up the money transfer?
Saturday, April 2, 2011
Does the UK have pay day loan places?
Yes...but the interest...phew! Such a waste of money. Try and budget better.
I am in arizona and would like my boss to release my paycheck to my brother is that illegal?
i work in a restaurant with my brother in Mesa, AZ and on payday i am off and dont have the gas to get to work until i get paid so i asked my brother to pick my check up in a sealed envelope and our boss told me no it is illegal is that true?
Is Kerry Wood coming back to the Chicago Cubs this season?
I saw a picture this week of him in the Daily Herald and he was wearing a Chicago Cubs Jersey. They were talking about how he got some time to practice in spring training.
The commercials they play during Maury and Divorce Court?
You forgot to mention the screaming lawyers whose phone numbers spell out, "CASH"!
An old pay day loan from a different country?
A few years ago I want to say about 3..I took out a payday loan that was established in a different country and paid off only half off it and I had to close my account and I couldn't figure out their number after my phone broke and I had to get a new number...they haven't called me or anything I think it was estabslished in a completely different country then the US and its not on my credit report at all. If they haven't called me or mailed me in the last few years, should I worry about it? If its from a different country? I have no way of knowing who they are, since my phone broke and I lost all my old bank information. This was probably in 2008 it happened so it's been awhile
Can a payday loan take your merchanise away if you put it in colleterol?
I have colleterol on a payday loan and I need to know what happens if I don't pay my loan.
I need a sweet name for a blues band.?
I want a creative, catchy, memorable, and clever name for a blues/blues-rock band that I am forming. The thing is... we are not really Delta Blues, we are more Chicago style blues. There are four of us ranging from 29-61. Two of us are young, the other two... not so much. I am the lead singer and I am female. The rest of the band are males. I would also like suggestions on where to go on the web to try and pick out a name if you can't come up with one. Thanks so much.
I have student loans, what are the reqiurements to keep them in a semester?
I was at 12 credit hours and need to go to 6 credit hours, will I get to keep next installment that come in for my student loans.
Can I get my Ipod Touch back?
I loaned my friend my Ipod Touch for a day. His father then proceeded to confiscate the Ipod away from him. I called him up later and asked if he would mind giving me back my Ipod Touch. He refused to even consider to give it back. He said he might give it back if my parents were to intervene. He is currently under the impression I stole my Ipod from somebody else. The worst part is that I paid for it myself with money that I worked for over the summer. I never bothered asking my parents to buy it for me. I am currently a minor. My parents said they were not going to be involved if it got stolen or taken away by someone. They said it belonged to me. I still have the original receipt and pickup notification. After talking to him he said it didn't belong to me because I loaned it to his son, and that it was within his household. Is there any way I can get my Ipod Touch back without having to go to court or to have him to talk with my parents.
Bipolar or not? I tapered off of LAMICTAL?
You need to go back on the med, you are having issues which are related to bi-polar.
USPS express international dispatch ? delays?
Give it a few more days before you start making inquires.
How do I get financial aid/loans to help me pay for college and living expenses?
This past fall was my first semester in college. I was raped (but I didn't press charges) and because of that, my grades slipped. My parents have now said they will not help me pay for college, so I was forced to withdraw from college for the spring semester. I want to start back again in the fall, but my parents are claiming me as a dependent for 2010, so financial aid won't help me much. Also, because of the rape, my grades were awful, so scholarships are out of the question. How can I get enough money for college? I still need to pay for my phone and car every month, along with rent, and I can't afford any of it without help now. How do I apply for loans that will help me? Websites? Please help. I didn't expect this to ever happen to me, and everything is falling apart. I don't have control in my life and I feel so helpless.
No credit check payday loan, Does anyone know of a reputable online payday advance loan company?
NO. Find a place in your area, that is well known, has a real store, and read and reread, ask questions about the financing charges, time frames, know well what you are getting into. They are all very expensive. I would never suggest anyone take out this kind of loan, the rates vary by state laws too. Some put no limits on what they can charge you.
Is it better to get a bank's auto loan or go directly to a dealer?
Hi I am thinking about trading in my car. I was wondering which would be cheaper... Current apr for buying cars (or atleast with my credit is 7.99% apr) on a $22000. I still owe $8800 on the one I currently have. The current apr on auto loans is around 4.30%. Which one is a better choice? Should I get an auto loan to buy a car and do trade in or just go to a dealer, trade in, and let them do the financing?
"High-speed rail": Is this something an adult would spend billions on when there is no $$?
What kind of sense does it make to borrow 40% of this money? How is this supposed to help us anyway? Giving unions a big payday to build something that returns no money.
Anyway to get a fast loan in WV?
I'm in need of a few hundred dollars quick and I was wondering if anyone knows a way to get a fast loan in WV. We can't get payday loans here because they're outlawed, so anything that you can recommend, please post! Thanks so much!
Im 18 need a motorcycle loan?
hi im turning 18 in a few months i am wanting to upgrade my bike i need a 3000$ loan i have no credit but i have a cosigner thing with that is she barley has any credit also. can i get a loan and where about would the intrest rates be
Where is the prostitution in Chicago area are?
Keep your money, your dignity, your legal rights(i.e. not get locked up/fined) and your health (not get crabs or worse) and have a ****. It's a bad habit you're fostering that can only lead to an empty wallet at the very least.
Friday, April 1, 2011
You think college students will choose another job now they see how society hates and reviles teachers?
You can't put all that bile back in the bottle. It came out. We now know that most people really, really, really HATE teachers. I now realize that everything I have ever done in the class room was for nothing. All the times I loaned lunch money, all the times I have helped a student, all the late hours grading papers. It means nothing. Society has flipped. Teachers are now the villains. I have a student teacher from the local university doing his classroom hours in my room. He is torn between law school and teaching. I just told him to NOT go into teaching. He will be hated, blamed for everything, and never get his pension. Will this effect teacher recruitment? When I was gettting my teaching credential at UCLA, everyone was all excited about becoming teachers. Now that teachers are the arch villains and scum of society, I think the best and brightest of our future teachers will go elsewhere. I turn on the TV and now am somewhat depressed to see that I am the most horrible person and I am a lazy scum and parasite, and the cause of the recession.
Any one no were i can get a payday loan when on tax credits?
Hi Dear Friend. My Name is Ann and i really have a testimony to share to everybody as i was having a Son that had to go through a major operation and i was not financially stable at the time of the major operation and i saw this posting in yahoo answer which i applied for a loan and i was very happy that the loan was granted to me to enable me payment for the operation bills so i say to my self that i must tell the world about this great man called Mr.John Ward his company email address is johnwardloan4@live.com Once again i pray to God for more blessings to him and his family for saving the life of my son. Thank you. Frm Ann.
Community College Students: How much did you/do you qualify for in Federal Student Loans?
I know the max amount is $5500. I know I can't take out more than the Cost Of Attendence. Are transporation and personal expences included in Cost of Attendence?
My boyfriend tells me little lies...?
My boyfriend is amazing to me. I finally find a truly nice guy and he treats me so well. The only thing I don't understand is that he sometimes lies to me. And when I mention something about it... he still won't admit to the lie. An example,he wanted to take me out to dinner but I knew he was kinda low on cash. He really insisted. I told him that I didn't want him bumming money off his mom for gas, if he is taking me out to dinner. He said he was more than okay with money and not to worry. We eat. He gets gas. Before payday I know he's broke and low on gas. All of a sudden he magically has 20 dollars. I asked how he said he found it in a jeans pocket. Fair enough. 3 days later his mom is asking where her 20 is that he owes her. I asked him in private about it and he said his mom was making up lies. He lied cause he don't want me to feel bad but I told him I don't like being lied to regardless what its about. A lie is a lie. Then he has a facebook. So do I. We aren't friends on facebook and I don't care either way. We practically live together so its no big deal. I always ask him why he doesn't request me and he tells me he never goes on facebook, ever. That its been well over a month. Fair enough. Well his mom just made a facebook last night and he accepted her friend request since then. Umm... so he is going on facebook? What's the deal here. I know he's not cheating.. but is he hiding something? I trust him a lot. More than I ever trusted a guy before. But what's the deal? Any suggestions? I don't want this to turn into a fight or anything.. I'm just curious.
Can an employer put a hold on your paycheck due to damages?
My husband accidently forgot to put the brakes on a forklift, which in turn caused it to roll down a slanted hill and into a customers car. He got fired (understandably) but his employer said not only was he not going to get his paycheck (today happened to be payday) but the hold also applied to his final paycheck due to damages. Is this legal? for the record we live in California.
Contemplating suicide over debt?
I am completely overwhelmed by debt, I'm 19 years old and living in the UK. I have no way out, No one to loan me the money, my hours at work have been cut so I can barely make repayments I have various payday loans I can't pay off and I don't know what to do anymore. all I need to know is if my debt would be laid onto my family. If not I see no point continuing with this, there's no way out.
Repost - What does my Tax Situation Look Like?
If you made only 3,297 off of 3 jobs and can expext to make another thousand each off the other jobs . . You will owe nothing and should be entitled to your witheld taxes back . . I wouldn't claim the side business . . unless you held an actual business license etc . .
Who sees Chicago making a push for OJ Mayo?
i hope that doesn't happen, i don't like o.j.mayo and his ppg is decreasing every season
Car loan.....whats the chances?
Im 22 and just applied for a car loan of 14,000...my credit score is 741...I make about 1400 a month and have been there for over 4 years.....I have had credit cards since i was 18...I just opened the account with the creidt union and applied the same day for the loan...I live at home and dont pay rent..I have $200 on one credit card and thats the only debt i have...What are the chances of me getting approved for the loan?
How can I feel better?
I live in Chicago so its cold, but I cant miss school. Ive got a basketball game on Sunday. Right now I'm just sore, and have a small cold (stuffy nose and cough). Other then sleep is there anything else I can do? Thanks alot
If I owe $154.00 every two weeks in child support and its taken out of my paycheck auto automatically?
but this payday will be way less due to illness and lack of working hours will they take my full check amount even if its just enough to cover the amount of child support?
Help! my relationship is falling apart?
I am 29 yrs old. my gf is 32. we have been dating for 3 yrs. the thing is it is falling apart. there has been no sex i have been patiently waiting. thing is i dont know if she is using me. everytime we go out it is on my payday. I am always paying for everything and then I always have to help her with her bills because she is disabled. I have brought up sex with her but everytime I do she says its not the right time. I slipped last week and called a chatline. she caught me and got furious. nothing happened she just called me with another phone and i thought it was someone else. NOthing happened all I did was talk to a woman that night but nothing happened out of that. She calls this cheating and she wants to break up. My question is is she right? who is wrong here and what can I do?
Houston, can I rent for a week?
My girlfriend and I just broke up and I'll be sleeping in my car the next few nights, unless I can find a warm place to sleep (and shower) between shifts for less than what it would cost to stay at a hotel. I have cash since payday was February 3'rd
Was the harlem globetrotters originally from Chicago?
no they are from harlem, new york thats why they are called the HARLEM Globtrotters
Can an employer not pay you for orientation?
after i worked for an asst. living home for a month. payday came around and i was told i wouldn't be paid for the day i orientation is that with in the law
What can be done about recurring paycheck mistakes?
I have worked for a company for the last few years, and here lately they have been making a lot of mistakes with my paycheck. It is either short and ive got to wait till next payday to get what is owed to me, or they pay me to much and they take it out of the next paycheck. I know people make mistakes, I know because ive made my share, but this is becoming a real problem and like I said it is happening more and more. When it happens the people involved dont show any remorse. The last time it happened to me they were laughing about. Is there anything that be done to keep this from happening again and again.
Are the growing protests, more evidence of the diverseness of Obama Care and the Wet Dream Act ?
And a woman who did not shoot any one has been Sentenced to Death in AZ ? What do they think that Chicago's new mayor will do ? Make Chicago another Detroit.
Moms, would you rather (Valentine Question)?
I would rather do nothing, but watch a movie with each other and have a romantic dinner at home. We will be unpacking from our move on Valentine's Day.
OUTSTANDING PAYDAY LOAN?
I live in California I owe a old online payday loan which was only about $250 now there saying they want like $600 from me they said there going to serve me courts papers for a court date because there going to sue me and I will have to pay over a $1000. They said they would try at my house and if not my work. I tried to offer them $50 tomorrow cuz that’s all I have that I can give them but they said no and good luck and that was about it. Can they really com serve me papers at work?
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