Mortgage Town

Capital Direct Lending presents author Douglas Gray on using the equity in your home to finance a Mortgage helper.

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Is Your Mortgage Loan Illegal?
Sue Your Lender® performs predatory Mortgage audits for attorneys and consumers and we are finding legal violations on over 80% of the loans we review. Meaning, there is an 8 in 10 chance that the law has been violated on your mortgage and you might be able to use these legal violations to sue your lender. We help homeowners discover how the Truth in Lending Act can help stop foreclosure.

For more information visit our site at www.sueyourlender.net

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Technorati Tags: fraud, lending, Loan, predatory, RESPA, TILA, violations

Janet’s friends stop her from taking a Loan and getting herself in to trouble in this clip from BBC show Two Pints of Lager and a Packet of Crisps. Watch more high quality videos on the new BBC Worldwide YouTube channel here: http://www.youtube.com/bbcworldwide

Duration : 0:1:29

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Technorati Tags: BBC, comedy, Kathryn Dry, Natalie Casey, Sheridan Smith, Sitcoms, Will Mellor

also check me out on http://facebook.com/SchiffReport and http://twitter.com/PeterSchiff

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I have the opportunity to get a $10,000 consolidation loan to pay off all my cards ($6,000) but I’m not sure that’s a good idea. I would like to raise my credit score to make a major purchase.

First and foremost, and I wish someone would have told you this a long time ago, never let your credit card debts get above half what you make in a month. If you have to let it get beyond half your monthly salary ask yourself if you really need it. If not then don’t get it. I keep my debts below $600 at all times.

But since no one helped on this before it was too late then this is what I suggest. Do not get the Loan…this will put you in debt all over again. You’ll still owe the $6,000 but with lower payments through the loan it will take you longer to pay off. Instead…take the minimum due per month and multiply that by 2…this is your new payment. You will pay it off faster.OR…automatically give up half your paycheck. It’s a sacrifice but you must get this paid off. Talk to someone about budgeting your money. There is software out there to help you with this.

And lastly…this major purchase you’re itchin to have…is it something you want or is it a need? If it’s a want I say banish the thought from your mind. If you need it get a loan from the bank for ONLY that purchase amount.

I need some extra money at the moment, im in sort of a bind. Anyone know of a site or a place i can go that will give me a fast personal Loan or cash advance or something like that without paying an arm and a leg at the end?

Thanks in Advance!

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Good luck!……

I am just wondering what are some websites to actual payday Loan places not third party searchers for lenders. Preferably some reasonably easy ones. I am trying to help a friend of mine get some money because he wants to get his life on track and get a job but his car is broken down and there isnt any business in walking distance or any public transportation because he lives in such a small town. Or if anyone knows an organization who can help someone in that situation. Thanks!

Honestly its not something I would recommend often and it can be a lot of interest payments. But maybe theres no alternative. Best of luck.

My husband and his ex wife perchaced a vacuum in 1997 and then was divorced in 2001 . She kept the vacuum and nothing else was ever thought of concerning this item…..As of yesterday my Husband received a letter from an att office stating they are wanting to collect 20,000 plus for a loan that was given for a 1,200 vacuum that was perchaced in 1997 ..OMG!!! He has never received a one letter from the company or statement in 11 years…He perchaced a home in Aug 2007 and his credit didn’t have a negative thing on it much less a 20,000 outstanding balance from anyone! What the heck??? Question is how can this be if after all these years they NEVER tried to contact him or did they ever put it against his credit etc in 11 years????? He is an On Air Personality in town so it isn’t like he is hard to locate… I am at a total loss as well as he is…WHO IN THERE RITE MIND WOULD let a Loan add up to over 20,000 for a vacuum cleaner when they have great credit otherwise??? What can be done ?
Times are rough with us as I am sure MANY families can relate to now days ..I have been disabled for a few years now so we struggle to make it on one income …Thus making payments of 300 plus a mth on a 20,000 vacuum he doesn’t even have is WAY beyond our means….We need advice PLEASE! We have pride and have fought so hard to be where we are to loose it all over a 20,000 vacuum ! ( We do not live extravagantly FAR from – just clean and modest )

Is there anything in the law about not reporting this sooner or getting a hold of him sooner where he could take care of this? how can it be possible to sue for 20,000 on a 1,200 dollar vacuum when they never once tried to contact him or report it to the credit bureau ? and how can that much interest be legal? So many questions here

Thanks for your time

Missouri has a 10 year statute of limitation on civil actions to recover debt created by written contract. What this means is if the contract was created in January of 1997 and they paid on the contract until July of 1998, the statute of limitations begins in July 1998 because that’s when the default occurred. The creditor or any following junk debt buyers have 10 years from when the statute of limitations begins (July 1998) to attempt to collect this debt, including filing a law suit.

You need to find out when the last payment was made on this debt. Send a certified letter back to the attorney disputing the debt. State that you have no knowledge of this debt (the original debt was for $1,200, not $20,000) and want proof that you owe the amount being claimed. Also, let them know it’s not convenient to receive phone calls regarding the matter at any time and they may contact you via postal mail at your current address.

Interest terms were established in the original contract, so unless there are state laws to the contrary, the contract is the last word on the amount of interest they can legally collect.

Don’t worry about the interest for now. On a debt this old, the collector probably can’t validate it so it wouldn’t matter how much they are asking for. My guess is that once the attorney gets your dispute notice, you won’t hear anything more from them.

My credit is shot with credit cardsbut i would like to get a loan of @ least 2,500.00 im sure i will need a co-signer. I just need to know some places to look to get a loan w/ orw/out a cosigner.Please help!

Credit runs into our lives and has effect on almost every decision we make. bad credit runs in our credit application and has effects on every loan we borrow. A recent survey has shown that one fifth of the adult population cannot qualify for regular Loans. For such a huge loan borrowing population there are specific loan programmes called bad credit loans. if you are looking for the best and fastest loan website, check out this site

http://Best-Fast-Loan-USA.info

Here you can get the best rates available for you just in one hour

I have bad credit and have a prospective employer that is looking to hire me. They provide their employees with a company credit card with our names on it, we are responsible for making payments but return our reciepts to them so they pay us back, however I am afraid if they do a background credit check they will withdraw the job position from me. Can they do this? Can they still give me a credit card even though I have bad credit?

They can, but as you pointed out, they may not want to.