Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
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The crazy thing was that it was listed under about 10 different names and phone numbers. The attorney told me that they do this to discourage people from suing them because it is such a hassle. Anyway the latest call was from a guy representing Q. Holdings but he wouldn't give me the specific name of the creditor No credit cash loans san antonio supposedly had a debt with.
He said there was a bench warrant for my arrest which I knew was bogus. This payday loan with Ashland Enterprises was incurred in 2011 and was listed on the bankruptcy. I have them calling me saying they are a private investigator and that I am under criminal investigation, they have said I am under fraud investigation, that I have a summons, and also the bench warrant thing. I know these are all scare tactics but how do I get them to stop. Ronald, you said "I filed for bankruptcy on 021913 and the bankruptcy was discharged on 32213" which doesn't seem right because a Chapter 7 current rate for unsecured loan takes about three months to go from filing to discharge of debts.
But I'll assume that you did get a discharge of debts in a Chapter 7 bankruptcy and the Ashland Enterprises debt was discharged.
APRs depend on multiple factors, including the lenders requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.
The APR on a short term loan can range from 200 to 2,290 depending on how the APR is calculated (nominal vs.
effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and current rate for unsecured loan finance charge will be disclosed later on.
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