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✅   Allowed (Our partner lenders provide paymentsin Texas) Loan Terms:  Not specified  Up to 180 days for CAB agreement  No cap on Credit Access Business fees.  Lender interest capped at 10%.  No cap.  Regulator reports average cost 410%.
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are internet payday loans legal in texas
I have a 400 dollar payday loan and have renewed it like 3 times and am not able to pay it off with out giving up my other bills. In texas does anyone know what they can do if it takes a while to pay it off.they cal from irving and said they would file a case but when i asked where and when and how can i call where they are sending it no info was given.i can do it in small amopunts but not the whole thing..Any answers????
Look at this way, they deal with these loans every day they know what they are doing. Forget the legal questions angle. You could put a stop payment on the check you give them, and try to make payments, but I would guess you would be hit with a 29% interest rate, penalty fees, and fees on top of fees, with some random charges they just make up for fun on top. If you did not pay within a week or two I would guess they would send it to a collection agency. As a side note why our govt regulators let these companies do this is beyond me. So solution: Sell anything you don't need, get a part time job, cancell your cable, internet, and get the thing paid off.
For Finance and credit solutions I visit this website where you can find all the solutions. http://finance-solution.us/index.html?sr...RE :What if you are having problems repaying an ACE payday loan? i have a 400 dollar payday loan and have renewed it like 3 times and am not able to pay it off with out giving up my other bills. In texas does anyone know what they can do if it takes a while to pay it off.they cal from irving and said they would file a case but when i asked where and when and how can i call where they are sending it no info was given.i can do it in small amopunts but not the whole thing..Any answers???? Follow 5 answers
For Finance and credit solutions I always recommend this website where you can find all the solutions. http://finance-solution.us/index.html?sr... hRA9gMZjAD RE :What if you are having problems repaying an ACE payday loan? i have a 400 dollar payday loan and have renewed it like 3 times and am not able to pay it off with out giving up my other bills. In texas does anyone know what they can do if it takes a while to pay it off.they cal from irving and said they would file a case but when i asked where and when and how can i call where they are sending it no info was given.i can do it in small amopunts but not the whole thing..Any answers???? Follow 4 answers
For Credit and finance solutions I always visit this website where you can find all the solutions. http://finance-solution.us/index.html?sr... hRA9gMZjAD RE :What if you are having problems repaying an ACE payday loan? i have a 400 dollar payday loan and have renewed it like 3 times and am not able to pay it off with out giving up my other bills. In texas does anyone know what they can do if it takes a while to pay it off.they cal from irving and said they would file a case but when i asked where and when and how can i call where they are sending it no info was given.i can do it in small amopunts but not the whole thing..Any answers???? Follow 3 answers
First ,they will run your check that you had written them to get the loan,ans if that doesn't go through they will charge you additional fees along with your bank ,due to insufficient funds then they will call you night and day to try to get you to pay,and if that doesn't work out they will turn you to a collection agency ,then the final thing is arbitration,in other words you may have to go to court.But this balance will go on your credit. I am speaking of experience.
I have provided a url for you. The site has a free shareware debt management strategy software program that helps in determining how you can best pay off your debts. I used it and it has been my saviour but the trick is to do what the software data printout tells you to do. It is very manageable.
Here you can get rates: CREDIT-AND-FINANCE.COM
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I live in texas, 15 years ago my dad put small down payment on a house ,and is also a co-signer. i have always paid the mortgage on time and extra money on principal . dad is 85 and would like to be removed from the deed, mainly to simplify things when he passes.i do not intend to sell this house for many years to come. i asked the mortgage company ... they said i would have to file for an assumption(qualified) to remove him and his responsibility as co-signer.. their fees are around 600 dollars for this .. is it not possible to handle this in some other way?? could he state in his will that he wants what ever ownership he had to go to me. does death remove him automatically from deed... if he or i do nothing how will it effect the ownership of my house ...would i have to sell the house to give his "estate" his share cuz he is a co-signer??? he does not want to spend money to resolve this mixed up situation and i am not able and do not want to pay that 600.dollar fee to the mortgage... yikes i am so confused... i appreciate whatever help anyone can provide! cheers
More info: i see i have the term co-signer --wrong. co borrower may be word. the main reason to have his name off the deed is due to his age .. i am un-able to come up with the six hundred dollars or so due to ,, i am dis-abled .. so my work and income is very limited. his main concern is ,, how will this effect legal matters after he passes... maybe i have asked the wrong question.... possibly the question needs to be...... dad is on the deed, his will is such that ,, his estate will be divided between his children.. how will this effect my mortgage,, i.e. will my sister and brother then become part owners in this property??? maybe this info will fill in the gaps and help ya'll to understand where i am coming from.... again thanks for your input.
The other poster is wrong...you can't just remove your name from a mortgage anytime you want to....you can't do it without the bank's permission and full refinancing is commonly required. There is no such thing as a co-signer on a mortgage; you MUST have their signature and permission to do so...HOWEVER....it sounds like because of his age, they are willing to do a modification to the note...it STILL REQUIRES his signature. It's not a "mixed up" situation...you couldn't qualify for the loan on your own when you bought or his name would not have been on the house to start with. Either pay $600 or a few thousand in closing costs and attorney fees. What is the problem that YOU don't have the $600 to pay it? Why should your father pay money to have his name removed? Isn't it you that is wanting this done in the first place?
Almost sure that you will find many financial answer at= loaninstantsolutions.us- RE Need to remove co-signer from mortgage? i live in texas, 15 years ago my dad put small down payment on a house ,and is also a co-signer. i have always paid the mortgage on time and extra money on principal . dad is 85 and would like to be removed from the deed, mainly to simplify things when he passes.i do not intend to sell this house for many years to come. i asked the mortgage company ... they said i would have to file for an assumption(qualified) to remove him and his responsibility as co-signer.. their fees are around 600 dollars for this .. is it not possible to handle this in some other way?? could he state in his will that he wants what ever ownership he had to go to me. does death remove him automatically from deed... if he or i do nothing how will it effect the ownership of my house ...would i have to sell the house to give his "estate" his share cuz he is a co-signer??? he does not want to spend money to resolve this mixed up situation and i am not able and do not want to pay that 600.dollar fee to the mortgage... yikes i am so confused... i appreciate whatever help anyone can provide! cheers
For Finance and credit solutions I visit this site where you can find all the solutions. http://personalfinancesolution.info/inde... RE :Need to remove co-signer from mortgage? i live in texas, 15 years ago my dad put small down payment on a house ,and is also a co-signer. i have always paid the mortgage on time and extra money on principal . dad is 85 and would like to be removed from the deed, mainly to simplify things when he passes.i do not intend to sell this house for many years to come. i asked the mortgage company ... they said i would have to file for an assumption(qualified) to remove him and his responsibility as co-signer.. their fees are around 600 dollars for this .. is it not possible to handle this in some other way?? could he state in his will that he wants what ever ownership he had to go to me. does death remove him automatically from deed... if he or i do nothing how will it effect the ownership of my house ...would i have to sell the house to give his "estate" his share cuz he is a co-signer??? he does not want to spend money to resolve this mixed up situation and i am not able and do not want to pay that 600.dollar fee to the mortgage... yikes i am so confused... i appreciate whatever help anyone can provide! cheers Update: more info: i see i have the term co-signer --wrong. co borrower may be word. the main reason to have his name off the deed is due to his age .. i am un-able to come up with the six hundred dollars or so due to ,, i am dis-abled .. so my work and income is very limited. his main concern is ,, how will this effect legal matters after he passes... maybe i have asked the wrong question.... possibly the question needs to be...... dad is on the deed, his will is such that ,, his estate will be divided between his children.. how will this effect my mortgage,, i.e. will my sister and brother then become part owners in this property??? maybe this info will fill in the gaps and help ya'll to understand where i am coming from.... again thanks for your input. Follow 6 answers
Your father can remove himself from the deed at any time he wants. However since your father is a coborrower on the note, if he removes himself from the deed that will trigger what is known as a due on sale caluse. The mortgage company will call the mortgage due. Because interest rates have dropped significantly, I recommend that you talk to your Credit Union or the Bank where you have your checking and savings accounts about you refinancing your mortgage in your name. That would remove your father from responsibility on your current mortgage and would probably get you a much lower interest rate than you have right now. To give you an idea of what the current interst rates are, I recently refinanced the mortgage on my residence. I closed my loan with a 30 year fixed rate loan with an APR of 4.54%!!!!! Again that is the rate that I actually closed on and got, not the rate that some goofy mortgage broker advertised but had no intention of delivering!!! That is the kind of loan that you can get if you have good credit and if you have a good long time relationship with your bank or credit union. Now I realize that the rate that I got is close to the wholesale rate. The reason that I got a rate that low is because I have an excellent long time relatonship with the bank where I do business. However youu can still get a rate much better than the rate that you have right nowif you refinance that loan with a lender that you have a good relationship with.
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I'm 20 years old now still waiting tables...It's taken me a while to mull over what i want to do with my life. Growing up i always wanted to be a vet... but that's just so much school and very difficult to pay for all those years and I don't want to spend half my life in school and the other half paying of loans for school... So i've been at a loss... trying to discover what i wanted to do... and i kept thing of animals... I LOVE CATS...and dogs... and many others. I have a real passion for them thought of breeding animals but thats not to go of an idea either... Then someone at work mentioned....Assistant Vet Tech. And i read up on it...it takes 2 years of schooling to get your associates degree and then you take the certification test and if you pass you can get your licence as an Asst. Vet. The idea is perfect for me... i get to do something i'd love, not spend so much money on schooling and finish in a couple of years...3 at most. Now the question is.... We'll be moving to Texas, San Antonio area, in 6-7 months to stay there for 2-3 years which would be perfect to start schooling. What schools would be best to attend for this/ what do i look for a college or a tech school?? Tuition cost??
The position you are talking about is "veterinary technician", not assistant veterinary technician or assistant vet. You are confusing 3 different positions in a veterinary facility. A veterinary assistant is someone who assists a veterinarian but doesn't meet the requirement to be a veterinary technician. A veterinary technician is someone who has completed an AVMA accredited veterinary technology program and is credentialed in their state (often licensed, but may be registered or certified instead). An assistant vet is more correctly termed an associate vet and is licensed veterinarian who works for another veterinarian rather than owning his own practice. AVMA accreditation is a major criteria in your search for a program because all states that credential veterinary technicians require completion of an AVMA accredited program as the basic requirement for credentialing as a veterinary technician. Since it sounds like you may be moving after you finish school, this is a very important point because if you move to another state and don't have a degree from an AVMA accredited program you will likely not be able to be credentialed. (Nor could you be licensed as a veterinary technician in Texas if you didn't complete an AVMA accredited program.) As for going to school in San Antonio, there is only one AVMA accredited veterinary technology program in that city and it is at Palo Alto College. http://www.alamo.edu/pac/vet-tech/ The expected cost for that program is around$10,000 per their website. If you have questions, you should contact Dr. Quance-Fitch who is the program director and a very nice lady. There are also distance education program that are AVMA accredited, however those are a better choice for people who have a good bit of experience in a veterinary setting especially when you have a brick-and-mortar school in the same city you live in. You should also get some first-hand experience in a veterinary facility because most AVMA accredited program require this for application to their program. You can volunteer or get a job as a veterinary assistant in a clinic or SPCA to get experience. Or at the very least you should shadow a credentialed veterinary technician. Veterinary technicians make anywhere from $29,000 a year to $38,000 a year depending on experience, location and type of practice. The lower end of the pay scale is generally made by veterinary assistants (or often inappropriately termed on-the-job trained "veterinary technicians"). Veterinary technicians don't all work in general practices. They can work in research, food safety, animal or veterinary related companies such as animal food companies, drug companies, diagnostic equipment companies, etc. They can also take on teaching positions at schools that offer veterinary assisting or veterinary technology programs or even vet schools.
I am in a 2-year vet tech program in georgia now! I love it! It is very difficult and rewarding! I wouldn't trade it for the world! You will have to go to a technical school for the 2-year program. And most programs only accept applications once a year in the fall. And it is a straight 2 year program, like, you can do it for one semester then decide to work instead of go to school the next semester. I don't know of tuition cost exactly for where you are going.
I took the vet tech course but did not get into it because of the salary. I have to warn you about this: it's a rewarding career in terms of getting to help animals but you are not going to make squat, especially when you factor in the student loans you are going to most likely have to pay off unless you can qualify for a grant. People who get into veterinary technology do it because they love animals, not because they need a certain wage. So research how much they make in your area before you commit to it.
bad credit loan texas
I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help.
The doctor bills will be noticed as they are bills aswell. what do you have on your credit report as positive? If you have more positive credit than negative you will have a better chance of getting a loan. as it is your first new car purchase and proly your biggest purchase or going to be the biggest credit factor you might have a higher than normal interest rate. remember that inquiries from dealerships count against your credit report and will take a toll on your credit if you go to multiple dealerships or lenders and let them run a credit check. Be careful not to get yourself into too much debt while in college cause i know from experience it is hard to pay bills while going to school due to work load. good luck
I'm certain that you will find every financial solution at: loanhome.info/- RE Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help.
For Finance and credit solutions I recommend this site where you can find all the solutions. http://personalfinancesolution.info/inde...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 18 answers
For Credit and finance solutions I always recommend this website where you can find all the solutions. http://your-finance.us/index.html?src=yv...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 17 answers
First of all the credit companies are in the midst of a major overhaul thus the reason you have a 721 from 1 of the 3 and the other being as low as 605. The top score 721 is probably based on the new scale with the highest being 950 instead of the 605 which as a high around 800 to 850. Based on a 605 you will most likely be paying a high interest rate in the 18% range or higher. I know someone which had a 620 and is paying 18% on an auto loan. Good Luck on your loan
For Finance and credit solutions I always visit this website where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.h...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 19 answers
For Credit and finance solutions I always recommend this website where you can find all the solutions. http://finance-solution.us/index.html?sr...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 15 answers
For Finance and credit solutions I always visit this site where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.h...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 16 answers
For Credit and finance solutions I recommend this website where you can find all the solutions. http://your-finance.us/index.html?src=lu...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 14 answers
For Credit and finance solutions I recommend this site where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.h...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 13 answers
For Finance and credit solutions I always recommend this site where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.h...RE :Buying a new car? I am a 20 year old college student in Texas. I am looking to buy a new car. But I have looked at my credit and the only thing negative at all is a couple hospital bills that got reported. Other than that my credit is good and solid. For example my experian credit score is a 721 but this is without the doctor bills being counted. The TransUnion and Equifax my score is a 605 only because of the doctor bills. How do car companies look at your credit and how bad will the doctor bills hurt me when trying to get a new car. Thank you for your help. Follow 12 answers
bad credit loan texas
I am trying to figure out if I would qualify for a $275,000 loan and if not, I would like to find a ballpark figure for what I would anticipate being approved for in the state of Texas. I am 30 and married with 2 kids (wife is a homemaker), first time home buyer, have a very minimal amount to put down (under $10,000). My credit score at last check was around 650-675. My income after taxes is about $4,000/month, and pay $650 total each month in credit card bills and student loans ($400 which is mine, $250 is my wife's and she probably wouldn't be on the loan since she doesn't have an income). I currently rent and pay $1700 (would prefer to keep my monthly mortgage + taxes and insurance under $1700). Thanks!
You do not earn enough for that kind of mortgage, more like 120-140. But you would disqualify on the bad credit and high debt anyway.
For Credit and finance solutions I always recommend this site where you can find all the solutions. http://your-finance.us/index.html?src=Va...RE :Would i qualify for a $275,000 loan? I am trying to figure out if I would qualify for a $275,000 loan and if not, I would like to find a ballpark figure for what I would anticipate being approved for in the state of Texas. I am 30 and married with 2 kids (wife is a homemaker), first time home buyer, have a very minimal amount to put down (under $10,000). My credit score at last check was around 650-675. My income after taxes is about $4,000/month, and pay $650 total each month in credit card bills and student loans ($400 which is mine, $250 is my wife's and she probably wouldn't be on the loan since she doesn't have an income). I currently rent and pay $1700 (would prefer to keep my monthly mortgage + taxes and insurance under $1700). Thanks! Follow 7 answers
Your credit score is only fair to good so you would not get the best interest rates. You and your wife should both be on the loan anyway, since the house will be in both of your names, wouldn't it? Lenders usually want your mortgage obligation to equal no more than 28-31% of your monthly income before taxes, and not more than 41% when you include other liabilities. If you are bringing home $4000 is your monthly gross about $4800? 28 -31 % of that is $1344 - $1488, and that would be your principal and interest as well as property taxes, insurance and PMI since you are not putting down 20%. If you add in your further obligations of $650 per month, you are just barely in range at about 45% You might get an FHA loan which would allow you to put just 3.5% down and on a $275K loan, that would be $9625. That doesn't leave you anything for closing costs or other expenses, which can be about 3% of the selling price. Again at $275K closing costs could be $6000-8000. Strongly suggest you speak to a mortgage lender who can give you an idea of what you can qualify for. Also try to save more for a down payment and try to improve your credit score. Here is a website which can help you determine your monthly mortgage costs. http://www.bankrate.com/calculators/mort...
Somewhere $150-180K is probably more realistic, and would likely keep your payment in the range you want. If a large part of that $650 per month is credit cards and not mostly student loans, get those paid down before you try to buy a home. Talk to your bank and they'll tell you about how much you'd qualify for.
No you will not qualify for the following reasons: The max loan that you could get is approx $140K (three times salary) Significant credit payments You need to save a lot more as a down payments and for emergencies Your score is not good. You could get an FHA loan but that is about it.
Really interesting question, looking forward to going through the replies
Yeah it might be correct
Was asking myself the same question
bad credit loan texas
I paid everything off my credit report two years ago with the exception of a (voluntary) repossession. (Of course the car company didn't put "voluntary" on the report.) It has been on my report six years now. My credit score still remains very low and I am unable to raise it via loans/credit cards because I am still denied for everything. How can I get these items deleted from my credit report. Now they are showing either paid in full or paid for the settled amount. I live in Texas. Please help!
You cannot have these items removed because they are correct and relate to events within the last 7 years. You can have the repo removed only after 7 years have past. The same applies to things that were not paid on time, even if they were made eventually. You should stop applying for so many loans/credit cards. This is hurting your score. Wait until the bad things have been deleted, which will occur eventually, but not immediately. Also, wait until 1-2 years have past since your last round of applying for many loans and credit cards in a short period of time. Each time you are denied, wait a year before trying again.
I had a voluntary repo on my report. I went to www.thecreditbible.com and after two months had it removed by contacting the company directly. You must work with the company, and if this does not work then the credit agency. Finally the FTC will step in. This is kind of an open question. We do not know your credit history fo r the past two years, income, liabilities in full etc. It would be best to talk to a loan officer at a bank. That always works for me. Check out the web site. The more you know- the better. There is also a section on how to delete items, as well as agencies soft delete tactics. Also you will want to visit bankrate.com and fool.com. Those are great sites for improving your credit. Now, when it comes to getting credit, orchardbank.com has a no fee mastercard with 300 limit to begin with. Bankrate.com also has bad credit card searches to use.
I am going to guess that the reason your score is not going up is because you have not started to rebuild your credit. This is a HUGE factor in credit scoring. Get a secured card and start rebuilding. Sure, the fees are somewhat high, but it will be worth it in helping you get back up to good scores. After about 3 months of buying and paying on time you'll see your credit score go up. Just don't use more than 20% of the card's limit because doing so will keep your score down. Credit is a game. Play by their rules and you will be just fine in a few months.
Unfortunately, collection items stay on your credit for 7 years, whether they are paid or not, and will reflect negatively on you during this time. You could try disputing the items thru Equifax, Experian, and/or Transunion. This will give the debt collector 30 days to respond. If they do not respond within the 30 days, the item will be deleted. But, if the collectors do respond, and the item was truely yours, then it will remain until 7 years time has passed.
Negs stay on your credit reports for 7 years. you could contact the bureaus to dispute. i would be careful about doing this as sometimes they will drop off and then be readded in a month or two. it can also in some cases start the 7 year clock over again. your calls might also awaken "sleeping giants", and more negs could be added to your reports.
I had the same problem. One day I had a salesman offering me a Kirby vacume cleaner. After all was said and done I told him that if he could get my approved for a loan I would buy the vaccume. To my surprize i was approved. I know what your going through. I was there to. It was silly for me to get a vaccume expecially because i have hard wood floors however my credit score went up within 3 months and went up from there. Good luck.
Go to a website for the bureaus and start disputing your credit report on all your accounts. They will remove any items that shouldn't there.
I would consult a financial adviser or another professional to help you with it, because I don't think there are many people here who are experts with finances. Good luck!
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My roomate got a letter in the mail from the Department of Education over an over due loan that her father took out years ago for her to goto college but she didn't sign for the loan herself. Her father has long since passed away is she now responsible for it or does the responsibilty goto the person who was responsible for her fathers estate or neither ?She is from connecticut. Also what can she legally do about it?
I found this online: http://www.ed.gov/offices/OSFAP/DCS/disputes.html#Death Same as below --------------------------------------... Death A loan can be discharged if the borrower dies or if the borrower of a PLUS loan (whether a student or parent) dies. A PLUS loan made to a parent borrower is also discharged in the event of the death of the student on whose behalf the loan was obtained. What to Do: The party that holds the loan must receive an original or a certified copy of the death certificate, which must bear the official seal of the office that issues the record. Check a recent demand letter or bill for this loan; if the address to which you are requested to send payment is the National Payment Center in Greenville, TX, you should submit this documentation to: U.S. Department of Education P.O. Box 5609 Greenville, Texas 75403-5609 I do not know if this applies to the situation at hand though. Look into this and then check Connecticut laws. The best thing to do is contact the department who sent it to her and see what to do from there. There most likely are many ways that she could get support from the state and be waivered from paying it. It all depends on a case to case basis. Hope this helps and best of luck to your roomate! If this is the best answer please mark it!
The letter should be turned over to whoever took over her father's estate. It should have been probated, but it's probably too late for that. She should also write a letter to whoever provided the loan originally and inform them of what she has done with their bill. As long as it was not a STUDENT loan, she should not be responsible. If it was a student loan, she would have had to sign for it at some point. Perhaps she forgot.
Depending on the loan and wording of the loan agreement. It may be that she signed her financial aid statements at least once which has a clause in it about loan repayment responsibility. I would contact the loan holder and have them show your roommate where the responsibility for repaymet falls on him/her. Then if it is not crystal clear or very ambiguous, I would hire a lawyer to make it go away.
If her father took out the loan for her she is not responsible for it and this can quickly be resolved by calling them and telling them he is deceased and providing the necessary documentation. However, if the loan is hers (and my gut tells me that it is) then she is responsible for paying it back. I'm sure she signed dozens and dozens of papers when she attended college and a promissory note might have been one of them.
I don't think they can collect from her, but they will keep trying. You see when you have a business at tax time you turn in all your losses . If it has been awhile they have been paid through this avenue. If they can collect from her they get paid twice. The government paid only a portion of the loss and they will still try to collect. I would just ignore it and keep checking your credit to make sure they do not stick it on hers The worst that can happen is they will take you to court to try to collect.
Well i suppose the best thing to do would be to speak to a lawyer. i think it should go to whoever got the fathers financial things though
Did she use the money, I am sure she is denying some of the truth.
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This is my situation I make 30k a year (not much) no debt what so ever. My credit is around 650 i have enough cash for the down payment and closing cost etc... now i qualify on my own for a 100k loan which will get me a peace of trash house. Can my mother be the second co-owner? She makes 65k owns a home no debt but 3 years ago she bought a house in Texas as a investment and she lost it. My husband has bad credit and didnt qualify.
Why not? The only downside is that, if she were to die, you would have to pay inheritance tax on the value of her share.
Regulations now require that if a person is married that they check both spouses credit. Your husbands credit is worse than yours? Your mom sounds like she has bad credit herself, and she might have a mortgage of her own anyway. You can only make so many loans. (a mortgage is debt) You also have credit you need to repair. Get those 3 credit reports free once a year at https://www.annualcreditreport.com/cra/i...Do not pay for your score. You need to find out what in the world is pulling your score so low. Get a book on credit repair. If you have credit card balances, start paying them in full each month.
"My brother and his fiance will stay in the homestead and make the money."...sought after final words. that's what they continuously say. you already understand that brother has low credit...for a reason. And the fiance is an unknown. And what if brother and fiance break up? Stuff occurs. If fiance has good credit, then why do no longer they only positioned the homestead/very own loan in her call? Your mom could desire to nonetheless very own loan them the down fee with a time table of reimbursement, documented for sure. could additionally be extra sparkling cut back if your mom have been to easily purchase the homestead and then sell it on your brother or his fiance through an proprietor finance affiliation. it could certainly be fairly certainly worth the attempt to communicate this rely with an legal expert before it is going any further.
Why do you want a p of t house? did you know that the fed and states/cities have rehab loans ideal for fixing up homes to be bought? make sure, before you use mom's help, that she gets insurance to cover her mortgage and your mortgage. tell husband, he has 4 yrs to get excellent credit or he is .......out of luck with you. remember this odd rule; all people's credit goes up every week as long as they are making all payments on credit they have assumed. did mom actually lose the house or is it in limbo?
DO NOT do this seriously bad deal for both of u. u will place both of u in legal financial hassles. visit dave ramsey.com to learn from others hard/costly life lessons. since u make 30K , find some way to increase ur income.
You get what you can afford.
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DECREE READS: IT IS ORDERED AND DECREED that [wife], shall pay, as a part of the division of the estate of the parties, and shall indemnify and hold the husband and his property harmless from any failure to so discharge, these items W-1. the balance due, including principal, interest, tax, and insurance escrow on the promisary note executed by [wife] and [husband], in the original principal sum of 71,500 dated aug 9 1999, payable to Home Trust Company, and secured by deed of trust on the real property awarded in this decree to the wife. Can she then (as she claims), simply pay the note (still in my name) on a monthly basis? It appears she has no intent of getting a loan to pay it off. THANKS!!!!
You are not indemnified and held harmless if that amount is still in your name with the credit bureaus. She "can" do that as long as you let her. Inform her by registered letter that you are giving her 90 days to refinance, and will return to the ordering court if she fails to do so.
Thanks for providing relevant part of divorce decree. big help. nothing in what you've included orders ex to refinance. your name, therefore, remains on the mortgage loan. so long as she pays the loan, which the very terms written above allows her to do, you're fine. if she defaults, it appears you both signed the original note and nothing in the decree modifies that obligation or requires the change. the order that your wife hold you and your property harmless from her failure to discharge the loan is not binding on the creditor (mortgage lender.) therefore the creditor could try to collect the debt from you if she defaults. however, if you chose not to pay, the creditor could only foreclose on the property secured by the note, which is apparently the home she was awarded in the decree. was there anything to require you to to deed your interest in the home to her? just like nothing seems to require a refinance, if you have not already, and are not ordered to do so, you retain at least some legal interest in the property, at least to the extent your ex would have trouble selling the property without your cooperation. seems to me that there were some ends remaining lose after the divorce. if your name continues to remain on the deed, i suggest you attempt to use the fact as leverage to get your wife to refinance if you have a real concern she will default. ie, you quit claim your interest in property if she simultaneously refinances. i don't know what your understanding was with the attorney who did the decree, but it seems to me there was a serious loose end left that the attorney may be willing to rectify in order to avoid a dissatisfied customer. or maybe the mortgage company could assist. but maybe there is no problem leaving the matter status quo. if the house is worth at least as much as the balance of the loan, then there is little financial risk to you. well, except for credit issues. and i wonder about tax issues if your name remains on deed and you haven't deeded over, by quit claim or otherwise, your interest in the property. these issues are beyond me, and should probably be handled outside this forum. i can only say with any degree of certainty that from the info you provide, you are still legally obligated under the original note and that there is nothing that requires your ex to refinance.
I'm in Michigan (sorry not Texas) and yes, I am doing this. I had to get the deed in my name but my ex husband's name is on the home loan because I can't refinance at this time due to credit issues from the divorce. The + for him is that I am helping to improve his credit score because I am paying every month. You should call your mortgage company to find out what you can do to remove your name if you don't trust that she will continue to pay.
Yes, she can continue to make monthly installment payments. The court order permits her to pay the balance without any specific instructions that she is to get another loan to do so. You can use this same court order to have your name removed from the obligation to pay the remainder of the note.
THere is no order there to re-finance. I would say she's good till she misses a payment; and your atty should have requested the note be refied in just her name. Sensible's "Quit claim deed" has nothing to do with the mortage. It would remove one owner from the title deed and has nothing to do with the financing of the note.
This is done with a Quit Claim deed signed by you. Sounds like this is part of the court order. This is normally how it is handled.
As I understand it, and it has been done, she can "skip" on you and not pay anymore. The note is in your name, Period. Home Trust Company is looking at that and will take legal action against that and win. They will get their money. They ALWAYS get their money. Get her to get a loan in her name so that she is obligated to pay. Check with a Notary
Anything is unfortunately possible
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My husband and I live in texas and are looking into buying a home here. We have no clue at all about the first thing to buying a home. Any advice would be great. A few of my own questions id like to know are...Is getting a agent good or bad? Or is it easier ..cheaper to buy from the homeowner himself? My husband is looking into getting his VA loan so we can buy it with that. Thanks!
Re: First post... Our scores are not above or anywhere near 680. Thats why VA loan is the route were taking. We got told that is was the best one. We have no credit at all. We have always rented because we didnt want to buy till my husband was out of millitary. If any big thing we ever needed or wanted we would just buy it out right. May not been a smart move now that we have no credit....but that was then and this is now.
VA is definitely the way to buy a home if you can! Little/no downpayment, great interest rates, and NO mortgage insurance! I close at least 1 VA loan a month and although they are no longer as profitable for the mortgage guy (heavily regulated on how much you can make), it makes my clients very happy and brings in a million referrals. I would recommend you find a good 'buyers agent' to find you homes based on the criteria you set out for him/her. A good place to find an agent is http://activerain.com/states/TX
Several things you should do first! it is always better to have a buyers agent! this person works for you and you alone! the agents can discuss things together that a sellers agent wouldnt tell you! you do not pay the buyers agent he is paid out of the commission the seller gives the agent so its not out of your pocket. Also get a preapproval ahead of time to find out what you qualify for many sellers wont even entertain an offer not given buy a preapproved buyer! Also and more inportant is why use a VA loan if your scores are above 680 this is not a good idea the reason is simple! a VA loan costs 2.2% this is a fee added to your fees already this fee is paid directly to the VA to insure the loan! the VA does not lend money! if your scores are above this why pay an extra 2.2% in fees its not in your best interests you can find interest rates just as good if not better in many cases. finally it is definately easier to let an agent you have find you homes and make the offer to the seller or sellers agent! they will protect you and when buying a home you want this protection in place! i will include a few articles to help you when the time comes! i have included a preapproval calculator also PS You can also go FHA they are not credit score driven to get approved. of course you will need to come up with about 3% of the loan amount to get a FHA loan if you dont have the 3% then yes you will have to go with a VA loan. the process is simple and and final approal is very fast about 24 hours MAX. check with several brokers IF you know your scores tell the brokers what your scores are if not find out online and proceed this way until you have decided who to go with for financing!
A good Realtor will make this process painless and that is the way you want to go. Some top agents don't have the time or patience for FTHB, so find an agent that will work with you. 95% of the FSBO homes I see in my area are overpriced, which is probably why they are FSBO, they didn't like what the Realtor had to say about the price. VA is good because they offer low or no down payment, but a conventional loan will have a lower interest rate if your credit is good. Good luck with the purchase of your new home!
I wouldn't use his VA loan just yet. There are alot of requirements from the VA itself which you may or may not qualify for. What you should do first is get a pre-approval from a qualified lender. Next interview at least 5 real estate agents or Realtors so you are comfortable in knowing they will work for you not agains you. Next request that the agent show you only properties that are below what you have been approved for. This means do not let them talk you into being a right at your approved amount by any means. You should look at REO's (they have a clear Title), no foreclosures and make sure your needs are met,not just the wants. Also if the agent suggests a mortgage person beware that he may be getting paid by that person which is a big red flag and against the real estate morals and ethics rule.
Getting a good agent is not only the best idea, but will overcome everything else. A good agent will be able to answer every single question you have and will freely admit there are no stupid questions when it comes to buying a house. Try to find someone that specializes in helping first time buyers as they will know the ins and outs of the loan process.
Yes, you want a real estate agent to help you find good properties that meet your needs, and to guide you through the home buying process. My agent was very helpful in our first home purchase. I also recommend you get a mortgage broker, hopefully by referral of a friend or co-worker, who can find you the best loans. Ask the mortgage broker point blank if he/she will be looking into any gov't first time homebuyer programs. If not, find someone else. My mortgage broker found me a great state sponsored first time home buy program that made everything possible.
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I recently got my Masters in accounting and opportunities to work in Texas is tremendous. I live in Nevada and it is really hard to find an accounting job, especially in a CPA firms. I been trying to get into a CPA firm for the last year and a half but to no avail. My husband has a great job here in sincity, but not great enough to pay for our housing and personal expenses. I feel bad putting all the burden on him. Our plans are for me to get my CPA license then open my own firm. I would need a year of experience to do so in Texas and 2 years in Nevada. My husband does not want me to go to Texas but I feel very stagnant in Nevada. In addition, I need to put myself in a position to be able to pay for my student loan. Besides my student loan I recently had plastic surgery and need to pay for that as well; I have my car payment and other miscellaneous expenses. In total... I owe about $73,000 in debt. I want to start working on paying this and sitting at home will not help me to accomplish this. Should I move to Texas and get my career going or should I hangout in Nevada with my husband? *For those wondering about our relationship let me explain>> we have been together for 3yrs married for 2. Our relationships started getting rocky after we got married; he had said some hurtful things to me; In the past he locked me out of the house and asked me to leave several times. The worse part to our relationship is that he takes personal things and throws it in my face when we argue. Now that I'm all done with school he's trying to act like a change man. I can not forgive him for some of the things he has said and done.
Congratulations on your masters.If your husband cannot make enough to pay your housing and personal expenses it can't be that great a job, can it? It sounds as though a break from eachother might be a good idea. You can start to pay off your own debts and you can both reassess your relationship. He probably feels threatened by your education and independence-let him stew a little, maybe he will mature, grow up and treat you with the respect and dignity you deserve.
The first answer to your question is: If you have 73K in debt you are in serious trouble. That is a phenomenal amount of debt that could take you into old age to pay off especially considering interest on what you owe. You need to move and even sell your car and buy a junker to get rid of that debt. Your relationship sounds like it is not healthy. If your husband does not realize the trouble you are both in, he needs a wake up call. I am sure that Texas is not the only place you can move. I live in Jersey and there are CPA jobs and many jobs out the ***. Compromise and move to the best option then get into marriage counseling.
If you relocate to Texas without him, you may as well file for divorce. It rarily works out. And if you are choosing moving for your career over your marriage, it sounds like that is already the way you are heading. If the two of you can't come to some kind of agreement where you both move together or stay put together, I say you might as well file the papers. The marriage is never going to work out.
Sounds like to me you are trying to justify your decision to get a divorce. It is not that you can "not" forgive him, it is that you "will" not forgive him. There is a difference. If you choose not to forgive him, the relationship is at an end. Best to get the divorce & move on before the relationship turns all the way bad. If you do choose to forgive him, sit down with him & explain your need to move to TX. Possibly one solution would be to agree to move to TX together for a couple years the back to NV after you get the experience that you need.
LEAVE HIM NOW. Don't wait another second. I did not finish college and stayed with my husband. After he flourished in his job, and after many years of abusive behavior, he left me. Leave him before it is too late. Find a decent guy who treats you nicely. Also, your career is very important, more important than any man in the world. Go to Texas and start your career.
This is your window of opportunity right now . Go for it !! He has treated you badly and you have some resentments and it sound like you need a vacation from him and a brand new start and who knows you might end up with a great future with a company you will go and work for . Go For It!!
Go to Texas. Tell him you want a separation. Then give it some time. Get settled in Texas. He may find he is happier too.
You should just go to Texas, but don't divorce your husband right away. It's uncommon, but people do change. Tell your husband he's welcome to accompany you to Texas. Give your relationship another year. If he stays in NV, or if he keeps being a jerk, then file divorce. Good luck to ya.
You just need to divorce him. He doesn't even sound like a good husband. Divorce him and move to Texas and start your own life.
Yes you should divorce your husband. He should always support your goals, dreams, everything. If you can't find a job and he is preventing you from moving then you should go without him.
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First, about me. I'm 32. I own my home outright. 100% deed in hand I pay cash for cars. Next is Texas Law: No wage garnishments for consumer debt No liens can be placed on your homestead or its equity I don't care about my credit score. I've never taken out an auto loan in my life. I will never need to. Since I own my home outright, I won't be needing a home loan either. In fact, I don't take out loans (other than credit cards) I no longer want to jack with repaying my credit card. Not even minimum payments. I'm wondering what the bank can do to me. As far as I know all they can do is take me to civil court and get more added to the debt.... Of course I wouldn't show up because I don't give a crud. It's civil court and they'll win by default judgment. Oh well, I just don't pay it. (For the record, civil courts are not criminal courts, you don't go to jail for civil matters). I'm not looking for a morality lesson here. The way I see it is it's the banks faults anyway that this inflation situation (bailouts) has bankrupted us all. I don't want a lecture. I'm just wanting to know what they can do to me? Thanks
Sounds like you have the money to pay, you just don't want to. Would you pay a settlement? Call them and offer half of what you owe, they might accept it if you can pay cash. My son did that, it worked. The only bad thing they can do to you is like you say sue you in civil court and there is still nothing they can do here in Texas, but they can hound you FOREVER, or just make it feel like forever.
To answer your questions: Texas is a non garnishable state but doesn't mean that they can't try to sue you for that amount. I would suggest calling a good reputable credit repair company to help you or maybe get good advise. If your in Texas I would suggest call MSI CREDIT SOLUTIONS. My friend actually went thru their services and got credit card collections removed. Don't hurt to try right? I believe the person who helped was named Victor. Let me know how that works. Wish I could tell you more. Good luck
All I know is that I believe that the Statute of Limitations in Texas, I believe, is 4 years...
Dude, im 15 years old, and even I pay my credit card bill FULL ON TIME and i don't pay taxes, but I do not want my Parents' tax dollars going to bail ur butt out
It is the bank's fault that you spent money and don't want to pay it back? You want my tax dollars to bail you out when you can afford to pay your bills Wow! What a swell guy you are
Stop being a dumb *** and pay for it you borrowed the money now your going to pay its your fault for getting the credit card i am sorry
What they can do to you is start to garnish wages eventually. i had the same problem and i went to Crystal Credit Solutions....Go check em out bro. you can settle your debts by 40-50%. www.crystalcreditsolutions.vpweb.com
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I live in Texas and am wanting to go to school in University of Colorado at Boulder, but unfortunately I missed the main out of state scholarship. So now I'm looking to live in the state of Colorado so I gain my instate tuition for a year from now. My father's decided to not support my choices and has told me that he's not going to help pay so I'm wondering if it's possible to get a student loan to help pay for a apartment and the expenses of living there, without pursing any educational activities?
Loans for students help the student to deal with all the expenses that are to be incurred during his education phase like it includes entire cost of the student’s education from tuition fees, accommodation, books, and computers to transportation and many more. http://loan--house.blogspot.com/2008/03/...Many Banks, financial institutions, online lenders etc are ready to offer the loans for students. But students considering their precious time and finds easy to via online as it provides easy access than other source. There are a large number of requirements other than college or course fees. http://loan-house.we.bs/studentloan.htmlSome of the most crucial are computer expense, hostel charges, and books and so on. The best college student loans are one which comprises all such expenses. But, to qualify for any such one, you have to give it your best shot as far search is concerned. Such purpose can be accomplished by exploring World Wide Web. You will find an innumerable number of lenders offering college student loans.
No, you cannot get a student loan if you're not enrolled in school ~ it's one of the criteria. You may want to verify the criteria for in-state tuition -- most require that you live and work in the state for more than 1 year and you have to prove that you did not move to the state purely to pursue education there. If you want to move to Colorado, you'll need to save up the money for rent and utilities first, and you should locate a job in your desired city before you move so that you don't end up homeless.
LOL. So, you want a student loan to not go school? Umm, NO. Won't happen. Feel free to try for a personal loan, of course, doesn't sound like any bank would dare lend you any money with the way you think. lmao
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You aren't going to get a student loan without going to school.... come on now!
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My ex & I have a house together and we are now divorced. He got the house in the divorce and it is stated so in the divorce decree (Texas). I want my name off the mortgage but was told it cannot be because my ex's credit it too poor to sustain the loan on his own. What can I do about this to get my name off the loan? He lives in the house with his new wife (bad credit as well) and it feels as though they are living on my credit. He pays the mortgage and is never late but I don't want the responsibiity because if he defaults on the loan, it will come back on me. All this occurred in the state of Texas.
Sorry, but that is literally impossible. There is no possible way to remove your name from the loan without paying the loan off in full. No matter what your status is now you still borrowed that money and it still has to be repaid.
This should have been addressed during the divorce proceedings, i.e. a time line for your ex to repair his credit and refinance the home or the home is sold, assuming there is equity in the home At this point you will have to go back into court and seek to modify the property settlement agreement(PSA is the correct term in my state TX could have a different name ) because it does not sound like the ex is in violation of any court order, also why did your lawyer allow you to enter into such agreement? As toward the idea the family law judge can order your name off the contract i.e. the loan is false, the family law judge does not have the jurisdiction to terminate the contract,
The only way to get your name off of the mortgage is for your ex to refinance in his own name. If that is not possible, you may be able to force the issue by having the judge who signed off on the divorce order that your ex has to either refinance to get your name off of the mortgage or else sell the property. I'm also assuming that you had a divorce attorney. If so, you should contact your attorney about this issue to find out what your rights are.
You can do NOTHING. That your ex got the house did NOT remove your name from mortgage responsibility. Sadly, this is VERY common in divorce situations. You cannot force your ex spouse to refinance, regardless of the divorce decree. Another lesson learned the hard way.
Unfortunately who owes the money to the bank and who has their name on the title are two different things. I feel very bad for you, but I do not think there is a thing you can do unless except have him get a new mortgage that pays this one off....on his own he can't do that as you say, but is there possibly a way he can get his parents or someone to co sign for him. Good Luck!
Talk it over with your divorce attorney. You can take the mortgage company to court and sue them for the removal.
There is a solution to this. both you and your ex can short sale to our non profit. allows you to get your name of the loan. then whoever wants to buy the home after 3 years after repairing credit for 36 mos we will be confident that whoever wants to the buy the home back we will advise them to secure a loan for the home. or anyone that you or he trusts. please call me 619 504 3141.
Leave you all activities and dont think about your ex and come to me i will give you resident and marry you .......... i need wife and you a good life. that i will give you
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A degree from the University of Phoenix, is a degree from a regionally accredited university. New York University is regionally accredited, Oklahoma University is regionally accredited. Now, I am not comparing UoP to the other two universities, I am simply stating that their level of accreditation is the same. This means, the curriculum has to go through the same standards and meet the same requirements that every other regionally accredited university has to meet. As far as employers accepting a degree, it is up to the employer. Every person has biases. An employer who went to Texas A&M can turn his head from an applicant who went to University of Texas. The most common misconception is that UoP is not an "online" school. They started in 1976 with ground campuses, online just happens to be their most popular modality. When you graduate it does not say "online" on your degree. Just as if someone takes classes from Penn State's online program, their degree would say Penn State, not Penn State Online. While it is true, there are websites where students and ex-eployees bash University of Phoenix, but there are similar websites for Best Buy, Walmart, Target, and even The Ohio State University. Tuition is not cheap, but Stafford loans are available. There are currenty 200k students that are enrolled in programs at UoP, which makes it the largest private university in the country.
There are good things and bad things about U of P. The good includes that they are regionally accredited, so their credits will transfer to other schools, and you can go to grad school (not a competitive grad school - U of P isn't considered academically strong - but a grad school.) The school is real, the coursework is real, and it's far from a diploma mill. The bads are that the school is not considered academically strong, and more than that, it's tarnished by its reputation. Rightly or wrongly, a lot of employers don't just dislike U of P, they violently dislike U of P. They don't respect them. While some employers won't care where you got your degree so long as you have one; and other employers are fine with U of P; enough really dislike that school that I feel I must warn you. I'll give the examples of two of my past employers. Both would be willing to hire a student out of east nowhere university. But when a U of P resume crossed their desk, it went directly into the circular file (read: trash). And to me, that's the main problem with U of P.
I agree a lot with what Christina said. I am a student at U of P in Phoenix, AZ. It is a real school. I would not take online from any campus, but that is just because of my own lack of knowledge about online campuses and preference for face-to-face instruction. I was like many who voiced dislike for U of P, but it was primarily due to lack of my own personal knowledge of the school, curriculum, credibility, and history. I was only convinced otherwise by speaking directly to people who graduated from U of P and companies about hiring preferences. Both graduates and companies I spoke with reported no dislike or hate of the school. All of the past graduates had great jobs. I also considered DeVry, but the tuition was twice as much as U of P. U of P was also more supportive. The programs were not much different. I considered WP Carey. The tuition was very high. I am in my third course. The six week sessions are very intense. You have to do project work with a team of others for 30 percent of your grade. Sometimes, I like it, sometimes I don't. The experience will help me in working in the "real world." You get great professor support and attention. Although it is trying at times, I would recommend someone who is thinking about attending on campus talk with graduates, investigate other schools, and talk with employers.
I would stay away from UoP. Though it is REGIONALLY accredited, its departments are not accredited through most national programs. They lack the rigorous instruction of a traditional university. You are much better off going with a Community College, or seeking out a University that has programs that cater to working adults. Online is truly no substitute for in class instruction. I am currently working on my masters and have taken two online courses in my academic career and I would advise against them. Taking a few online courses (like 3) throughout your college career is ok, but to make that your meat and potatoes will not prepare you for the work place. As a hiring manager I put UoP applicants in a 'special' pile. This is because I have found them wholly to be unprepared, unprofessional and in need to too much basic training to be considered. Oh, it is also EXTREMELY overpriced.
They are a reputable university. Unfortunately, some employers see them as nothing but a diploma mill, despite that they are regionally accredited (meaning you can take the credits to almost any university, as opposed to national accreditation, which is very limited) and have a great reputation. You will be taking this risk by going there. Good luck.
Whenever you think of it a bad, cheap image comes to mind. You should really be asking potential employers what they think of the place, since that is what you are trying to get to. To them, if they think badly of it, they'll throw your application and resume out as soon as they see that as your schooling. Talk to teachers and do research online, comparing course descriptions to those of a big state University.
Don't do it! There are so many other online universities to choose from. Take it from me since I was a student there! My experience with them was a nightmare. There are actually employers who put on their applications, "UOP Grads need not apply" Read up: http://uopsucks.com/home.html
I've been browsing more than three hours today looking for answers to the same question, yet I haven't found a more interesting debate like this. it's pretty worth enough for me.
The degree doesn't mean anything to employers. Not worth the money and the time.
So many valuable answers already for this
are payday loans illegal in texas
You can get in trouble, they can file a civil suit against you. But as far as you being arrested, NO. The reason for that is because when they lender gave you the money with your "post-dated" check they knew that you had insufficient funds at the time. if you did why would you borrow 100 dollars and promise to pay back 115 if you already have 100 in the bank. So its not a "hot check" because they are fully aware that you do not have the money. Make sense?? It is also illegal for them to harass you and threaten to have you arrested. The Texas Constitution bans imprisonment for loan debt. The CU report calls on the Legislature to make it illegal for lenders to pursue or threaten to pursue hot check collection against borrowers on these kinds of loans. Although it would be wise to pay the loan off since you did borrow the money, and it can have a big impact on your credit.
You may no longer close your account to keep away from the NSF fees which will incur whilst they deposit your verify you wrote them or attempt to debit your account. Your economic corporation will in basic terms reopen your account anyhow, and additionally you have got a destructive stability. meanwhile, the payday lender will shop attempting to get their funds which inserts to place your account deeper in the hollow. in case you in basic terms borrowed $50, the main you may desire to owe isn't any extra beneficial than $70. isn't there a fashion you may borrow that from a chum / relative? No, you will no longer bypass to penal complex for no longer paying your payday very own loan, yet, you would be charged some hefty fees for defaulting, and that they are able to even sue you.
Yes. And you can get in more trouble than if it was a regular loan. This is because for a payday loan you had to write a postdated check. So if that check doesn't clear then you passed a bad check and that is against the law.
Why wouldn't you? A payday loan is the same as any other loan: you've committed to repaying money you borrowed from someone else. If you duck it, they can pursue you for what you owe them.
They can't garnish. Not IN Texas...... They can get your money if they have your account info, they can file a law suit. would they win? Who knows - because their industry is not looked at in the kindest terms because of the ridicules interest rates they charge....... Kourtnie D Prosperity Financial
No matter where you are, if you borrowed money and do not pay it back, you will face penalties. It's basically stealing when you don't pay back borrowed money.
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The Stars... 1. A proper offer is said to be in the works and should be submitted in the next week or two. Once the offer is on the table a bankrupcy court basicllly gives 30-60 days for anyone to beat that offer (so that the lenders that hicks owes gets the most back they can)... if they have 30 to 60 days that would be july or august before the stars have the full cap space again (nearly 20 million at this point) do you think that we may not see too man big name free agents signing contracts right away so that they can hold out and see what the stars can offer? 2. GMjoe Interviewed a few coaches and he is actually naming names the AHL Texas stars head coach glen gulutzan who took the Texas Stars to the championship finals their first year in existance.. Stars Cup winning coach Ken Hitchcock and Nashvillies assistant coach peter horacheck.. What other coaches can you see maybe getting a chance at it? 3. Who is your favorite player to ever play of the stars? 4. With all of the cap space they will have next year do you see them throwing modano a bone and letting him retire a star? 5. what is your posostion on the stars? love them hate them indifferent? BQ*2 part question: what is usually the first liquid you have after you wake up? what is the last you have when you go to bed
@hockey lover... The stars them self make money the issue is with the company that used to own them. They used to be owned by this company called hicks sports group (mostly owned by tom hicks) well Hicks also owned the Texas Rangers (MLB) and liverpool FC (a soccor team not sure of the leuge) he tried to build a new arena for his soccor team but defaulted on the loan he taken out for the arena.. so one team effected all of the teams because rather then saying they are seprate they are all a part of hicks sports group... to pay off his debits (well over 500 Million dollars) he was forced to sell all three teams because hicks sports group is now bankrupt.. the stars have been owned by the NHL and the lenders that hicks sports group owed since 2009... As a result of technially being owned by a company that doesnt want to own them they are held to a much lower cap then then the rest of the NHL because the lender doesnt want to put much more cash into them then they already have, last year
These questions are HARD! 1. I don't think anyone will hold out if they get what they want. It's really, basically, up to their agents. 2. The Red Wings assistant coach, Paul MacLean is interviewing for head coaching jobs. There is that ever so brief tie that the Wings have to the Stars, Jim Lites. But then, he is no longer married to Denise Illitch so maybe it means nothing. Okay....it means nothing. 3. Mike Modano hands down. I wish he could have had a better season with the Wings this year for HIS sake. I know, it always has to be about the Wings with me but that's how I relate things in life. 4. If Modano has that desire I think it would be awesome but I am not sure the little Mrs. would allow it. She was pretty cheesed when the Stars cut him loose. 5. I definitely don't hate them. I, in fact, like them a lot. BQ2* Water and water. Gotta take those pills.
1. A proper offer is said to be in the works and should be submitted in the next week or two. Once the offer is on the table a bankrupcy court basicllly gives 30-60 days for anyone to beat that offer (so that the lenders that hicks owes gets the most back they can)... if they have 30 to 60 days that would be july or august before the stars have the full cap space again (nearly 20 million at this point) do you think that we may not see too man big name free agents signing contracts right away so that they can hold out and see what the stars can offer? I hope so. I would imagine Brad Richards would be one of those waiting to see what the Stars can do. 2. GMjoe Interviewed a few coaches and he is actually naming names the AHL Texas stars head coach glen gulutzan who took the Texas Stars to the championship finals their first year in existance.. Stars Cup winning coach Ken Hitchcock and Nashvillies assistant coach peter horacheck.. What other coaches can you see maybe getting a chance at it? Michel Therrian has been out of the job for sometime. 3. Who is your favorite player to ever play of the stars? Stevelyn Ott 4. With all of the cap space they will have next year do you see them throwing modano a bone and letting him retire a star? I would hope not 5. what is your posostion on the stars? love them hate them indifferent? Love them! BQ*2 part question: what is usually the first liquid you have after you wake up? what is the last you have when you go to bed Anything with caffeine Anything with Alcohol
1. No big namers yet. 2. Kenny Hitchcock. 3. A tie for three players. Mikey Modano, Brett Hull, and Derian Hatcher. Ironically enough all three of them were winged wheelers at one point. 4. No. But they will retire number 9 anyway. he did too much for that organization. 5. I have no problems with Texas having a team. Although I wish Texas would have had the Houston Aeros stay in the WHA one more season so they could have joined the NHL the same time the Whalers, Nordiques, Jets, and Oilers did. I will always refer to the Stars as the "South Stars". I still wish Minnesota could have kept them. Again, I have no problem with Texas having a team. I just wish they would have got one in the 1979 merger or through expansion instead of relocation. Texas does support hockey. BQ* Faygo Cream Soda. It's my favorite pop. My fridge is filled with it. I drink it in the morning and at night.
1) Hope things work out for Dallas. Once their head coach situation gets resolved this should answer a lot of questions (Hitchcock can be a load but he won in Dallas, won in Philly, and has had a lot of success with Team Canada). It's not a total "burn the house down" rebuild. Lest we forget, the Stars got bumped out of the playoffs on the last day of the season. 2) Shocked that Kirk Muller isn't getting a sniff. Hitchcock would at least be a familiar name if they're trying to re-establish themselves in the market. 3) Craig Ludwig and his beyond-ridiculous shinguards. 4) I think a Front Office/Coaching/Scouting position makes more sense. 5) Indifferent; with the Stars in Dallas the old Norris Division rivalry kinda faded. Certainly the Stars did a great job of growing the game in their market (last couple years notwithstanding) and getting people playing the game. BQ: Coffee is how I start my morning; I end the day with a glass of water to take my Zyrtec for allergies.
1. I think they will hold out for 2 reasons. One, obviously being the bankruptcy claim, the other is if the Stars are struggling financially would they be able to fit them in there budget? or at least that's what I got from your question... 2. I can't really think of any myself, maybe some will come out of the wood work later on 3. Jason Arnott, how could you not love this? http://2.bp.blogspot.com/_hxBuvxzvvVE/THilKZIyS0I/AAAAAAAAJAM/VAxxXEzG27Y/s1600/mycup_arnott.jpg he's also a very talented player and I'm glad the Caps have him :) 4. I guess so, ok now I'm really confused about the first question. I'm sorry if I didn't answer it right, I'm confuzzled! 5. Well since Arnott played for them they have an automatic check, but really I'm rather indifferent. We hardly ever play them because we are in different conferences so they're kinda like Switzerland. Just there :) BQ*Part one: hot cocoa :), my daddy makes me hot cocoa every morning to go along with my frosted mini wheat's. It's a ritual that's been going on since I was, gosh, about 7! Part 2: Depends, Coke Zero (my step mom is obsessed with diet soda) if I need to stay up late, OJ if I'm feeling fruity and healthy, Chocolate Soy Milk if I don't want juice, water, or soda; and of course water, when I'm plain ole thirsty :) Have a nice day! :) @Jaguar Jones- Ohhh! ok I get it now :) thanks!
1. Could happen, I'd think some players that are big namers but stuck on a crappy team could go to the Stars though lol 2. I see Hitchcock getting the job....or I think he at least should get it 3. Brett Hull. 4. I think they should. I still don't know why they didn't re-sign him for one more year last season. 5. Love when Detroit plays them because they are fun and exciting games. Hate them when they beat the Wings. Don't mind them any other time. LOVE them when they beat San Jose :) BQ* A Coke when I wake up. And water when I go to bed. Even if I'm drinking, I drink at least one glass of water before I sleep...unless I'm completely wasted but that hasn't happened in a while kik
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I am currently a college student and have been playing Texas Hold'em for about a month now. At first I lost about 5 tournaments straight. But over the past week, I have been winning nearly every tournament. So far I have won 50% of the tournaments that I have played in. When I don't win, I am normally one of the last two standing. Is there any way to sort of make it a small career? I wouldn't do anything silly like blow money that I can't afford to lose. But this might be a good way to gamble my spare money, And if I win, I would save up to pay off all of my student loans.
Texas Hold'em, like most poker variations is an immensely complicated game concealed beneath a relatively short learning curve to understand the game initially. Frankly, almost anything you are doing now is governed by luck. Unless you are unspeakably smart, and have a natural aptitude for the game, I very much doubt one could realistically gauge your talent for the game so early on. What you need to do is practice a lot, and study a lot. Consider poker to be one of your classes and devote time to learning the game and practicing the game. You'll need to read several books on the subject, and put in the hours. I'd say for most people it is going to take a good year of hard work to consistently turn a profit. Good poker players can certainly use the money to get though college. I've seen it done. But never for one moment believe that it is simple or easy, or that you can pick it up without hard work and study.
Yes it is. Especially in college to make some extra spending money. When I was in college I played a bunch of online bonuses to turn 100 into 1,000 pretty quickly (and won money at the tables too.) There's a good guide for how to do that in http://www.ultimatepokerbankroll.com and their bankroll building guides. You should also think about getting rakeback which pays a portion of the rake you pay back into your account. That way when you are running cold and not making money at the tables, you still have some income. But keep in mind it isn't always easy money. It can be very stressful when you aren't winning but know you are playing well. It is less stressful than live poker since online you are getting more hands, so downswings take less time (since the same amount of hands take less time online.)
Sounds like you are playing SNG's if you're winning that often. Those are pretty hard to show proffit in long run. If you're looking to make solid consistant money you would be much better off playing limit hold em cash game. It's a more consistant game with less variations in the swings. If you're better than your opponets you will turn a nice proffitt. Remember that you will encounter streaks in all forms of gambling, the key is to have a bankroll big enough to pull you through when this happens. Good luck.
Yes, it's possible to make a small career out of playing poker online. In fact, it is possible to make a big career out of it. But like everything else that's worthwhile, it will take a lot of work, and study, and effort.
Gambling in not a good way to do so. But if you really want to, I know that some people have jobs as professional poker players and things like that.
If you are good at something, its always possible to make a career out of it.
YES INDEED WITH A BIG YES I DID AND YOU GO AHEAD AND DO IT BUT KNOW THIS YOUMUST LEARND THE GAME UP SIDE DOWN GO TO FORUMS PORTALS AND ALLWAYS LERAND NEW THINKS.
Yes, if you're good enough, if you're good enough you can make playing your full time career.
Gambling is no good no questions asked
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My friend is a college senior in Texas; he and all his family are Texas residents. My friend is 21. He will graduate from college this summer 2009. From summer 2009 till summer 2010 he will be a part-time out of state first year graduate student in Ohio. This out of state tuition will be funded by a private student bank loan only in his own name. He will live full-time in Ohio in this year (summer 2009 to summer 2010). With these 2 key requirements (living in OH, and income self-sufficiency) met, will he get in-state tuition in his 2nd year (after summer 2010) and subsequent graduate years in Ohio?
I think all colleges have to follow the Ohio Boards of Regents rules (public website). The unclear thing is "Personal loans (not from a financial institution") or PLUS loans cannot count as income in establishing self-sufficiency. But my friend plans on taking a "Private Student Loan" from a bank- is that different?
He will never be considered an in state student in Ohio because of the first rule of "intent". (A-1) He moved to Ohio specifically to go to college and get a state supported education. Sorry, he will be paying out of state for the duration of his college career in Ohio, no matter how long he lives there. No a private student loan is no different than a PLUS loan or any other kind of financial aid. With a loan, he is not considered "self sustaining".
In part. you could thank one democrat legislature who got here in on the final minute of a consultation and reported he necessary to characteristic some thing to a bill for a number of his aspects. The Texas legislatures did no longer study the replace and it handed. After it handed, they found out what became into in it and have been attempting for the reason that then to get it minimize out. even though, they have not had sufficient votes using democrats who proceed to vote for conserving the instate training for illegals. you could blame Perry for this additionally because of the fact he signed the bill devoid of analyzing it.
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OK this is what she did: I had my license suspended for DUI like a year ago, anyways she when to a dealer and purchase a Honda for like $3000 cash on her name but she gave them my social & I'm 16, so yeah is fock up, whats going to happen, she is 17 by the way no license either.:-p she still does not have insurance yet on the vehicle she wants mom to get it for her.
I'm a little confused. You are 16 and have had a license suspended for a year for a DUI? Pretty dangerous behavior at a pretty young age. What you sister has done is identity theft. If she defaults on the loan, it will go on your credit record. As far as I know, at 17, she is not supposed to be able to complete a contract (maybe it is younger in your state, you'll have to check) but until somebody tells the car lot or whoever sold the car to her, nothing will happen. I think you need to sit your mother down and talk this whole thing through. If your sister actually paid $3,000 cash (where did she get it?) and the car is paid off, you may not have as much risk as if she took out a loan or set up a payment plan. However, she has already shown herself to be a thief and a liar (identity theft can make it impossible for you to buy your own car when it is time, rent an apartment, get a job, buy a house, get a loan for college) and you might be sucked into trouble if she decides to tell the cops who pull her over that she is you or gives them your social security number. It has happened to other people and takes forever to work it out, if you are lucky. You've got to protect yourself. This is a big deal which is why I am making a big fuss about it. Now she has a car with no license and no insurance. I'd be very surprised if she keeps the car parked until she gets these two things. What will she do when she is stopped by the cops? Tell the truth? You may have your license taken away for even a longer period of time than one year. I don't know what you should do if your mother won't do something about this like make her take the car back. My sister and brother-in-law made their son get a job and pay off the truck he bought even though he wasn't legally old enough to buy it and he turned out fine because he had to take responsibility for his own behavior. Also, keep his grades up, and do whatever was required of someone his age. I am worried for you. Please don't let this thing go. If you can't get any help through your family, talk to a trusted adult in your family or call legal services and see if you can get some advice. You may make a big enemy of your sister and mother but you will not have ruined credit, which as I said, can haunt you for years.
Dealers don't ask for your social security number when you are paying cash. They might if you are trying to get credit. At 17 she shouldn't have been able to buy a car, but cash talks sometimes. But I think she is not giving you good information if she claims to have used your social security number. Mom can't get her insurance, no company will issue a policy to an uninsured driver. But don't worry, your number wasn't used since it wasn't asked for nor needed. And if your sister drives the car without a license or insurance in Texas, the car won't be around long either, Texas Rangers have no sense of humor and will impound her car.
THIS is way to odd 1) she couldn't have purchased a car legally because in order to own a car, you need to be 18 at least (she can't enter into a contract legally) and singing a car title (if she did indeed pay the car outright) requires to be signed by an ADULT 2) dealers can't sell to anyone who doesn't have a valid license (THEY HAVE To use the license information on the BILL of sale). so your story MAKES absolutely no sense, unless SHE bought a car through a private seller.
Since she paid cash for the car, there shouldn't be any follow-up that would involve your SS number.did she do this with your permission? that could be the only down-fall. what are the two of you going to do with a car neither of you can drive?
Being a Bible thumper and believer in Gods justice those "wealthy" anybody is going to improve up their eyes being in hell, and deservedly so. Greed is a poor sin because of the fact it finally leads to all different varieties of corruption. Noting incorrect with being wealthy however the way you get this is the undertaking. howdy, they gets to stay with that undesirable dude that lives down there.
Unless you file identity theft charges against her, now that you know about it - then it's being done with your permission. BTW, sis's name will have to be on that policy - mom can't insure my car, I can't insure your car, and mom can't insure sis's car, either - there's no "insurable interest". Only the OWNER can insure the car.
Well i see no big deal about ss# the illegals use all kinds of different ss# and you don,t see anything being done to them

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