debt
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Understanding & Creating a Loan Payoff Statement: A Comprehensive Guide
How to Create a Payoff Statement Things Youll Need Loan terms Payoff figure A payoff statement is usually prepared by one lender and sent to another in response to a request for a payoff. The
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Understanding 'HC' on Your Credit Report: What Does It Mean?
Your credit card company will determine your high credit limit. It is important to monitor your credit reports regularly to ensure that they are accurate. However, you might notice abbreviati
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Government Hardship Grants: Financial Assistance for Difficult Times
Loans Hardship grants offer individuals financial assistance in difficult times. Job loss, a grave medical condition or damage/loss of property due to a natural disaster are unfortunate situ
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Documenting Financial Hardship: A Guide for Creditors
Write a letter to creditors to document financial hardship. Economic troubles make it difficult for many people to repay the debts they owe. While it may be possible to negotiate a settlement
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403(b) Withdrawal Rules: Understanding Early Access & Tax Implications
403B Rules for Withdrawal The Internal Revenue Service offers tax advantages for investing in a 403(b) to help eligible participants fund their retirement. However, there's a catch. You c
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Understanding Nominal Debt: Definition, Impact & Real Value
Money has no value until it changes hands Nominal debts have not been adjusted for factors like inflation. It refers to the current value of the debt. Significance When l
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Requesting an Advance Paycheck: A Guide for Employees
Pick a good time to approach your boss for an advance When you need to get a loan, you may consider asking your boss for an advance on your pay instead. However, depending on your work situat
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Personal Loan Sales: Strategies & Best Practices for Loan Officers
Selling a personal loan requires attentive listening and empathy. Personal loans are traditionally small, unsecured loans that are revolving or closed-end. The most common type of personal lo
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Understanding Notices of Default: What They Mean & What to Do
Notice of default A notice of default form issued from a non-judicial state and a lis pendens form issued by a judicial state are basically the same thing. A lender filing one in a county cou
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ESOP Loans: Borrowing from Your Retirement Account - Benefits & Risks
Learn how an ESOP may be the best retirement account from which to borrow money. ESOP stands for employee stock ownership plan (ESOP), which is a type of retirement account for employees of a
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Short-Term Debt: Risks and Drawbacks for Businesses
Cash is flowing. There are times when a business needs cash in a hurry. For example, if the business is having trouble paying its employees for the next couple of months but expects a substan
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Debt Assumption: Definition & Business Applications
Debt assumption is a type of debt transfer. Debt assumption is a type of debt refinancing under which a specific financial obligation is officially transferred from one party to another. The
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Understanding Line of Credit Interest: Calculation Methods & Costs
There are two common types of line of credit accounts available to most consumers. Credit card accounts allow you to make purchases up to the line of credit (usually called the card's credit limit
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Protect Yourself: Understanding Credit Card Interest Rate Protections
Freeze interest payments on credit cards. The Credit Card Protection Act has many provisions to protect consumers from sudden rate changes and relieves them of honeymoon interest rate increas
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Amortization Table Adjustment for Missed Loan Payments: A Guide
An amortization table is a loan repayment schedule. The table shows when payments are to be made, how much each payment goes toward paying the principal, how much goes toward paying the interest and h
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ABSA Debt Consolidation: Simplify Your Finances & Reduce Stress
Being in debt can be frustrating and scary. When you don't have enough money to pay bills or make necessary purchases, the last thing you want is creditors ringing your phone and making you even m
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Securing a $100,000 Credit Line: Strategies & Requirements
How to Create a 100K Credit Card Line Obtaining credit cards with large credit lines can be challenging. With on-time payments, most customers are offered periodic credit line increases. Howe
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Ace Cash Express: Overview of Services & Financial Solutions
Ace Cash Express provides "payday" loans. America has seen a boom in check-cashing service providers in recent years. One provider, Ace Cash Express, is described by Hoover's a
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Updating Your Address: A Guide for Credit Reports
It isn't necessary to update your address with the credit bureaus when you move to a new residence. Instead, submit this information to your creditors. When they send monthly reports about your cr
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Modifying a Promissory Note: A Comprehensive Guide
A promissory note is a legally binding promise one party makes to pay money to a second party. The "note" contains the terms of repayment, including payment schedule or due dates, interests
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Mobile Security: Protecting Your Smartphone from ThreatsYoud protect your computer from hackers and other online predators, and it may be time to consider the security of your smart phone. Unfortunately, consumers arent the only ones making the shi...
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Costco Electronics: 3 Reasons to Shop ThereIt pays to look to the warehouse clu...
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Master Core Skills: Why Sustainable Success Outlasts Quick FixesWhen I started my first business ten years ago, I remember many internet marketers were selling Google ads courses and books. They made it look like everyone could become a millionaire by slapping up ...
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Synchrony Bank: Beware of Phishing Emails - Data Security AlertIf you recently got some unexpected email or text from Synchrony Bank, rest assured — the company says your personal data wasn’t compromised. Any email or text about a trial deposit in...