#Loan No Credit Check Lender | Explore Tumblr posts and blogs

ezcartitleloans-blog · 11 months ago

Text

Exploring the Benefits of Car Title Loans in Louisiana - EZ Car Title Loans

Financial emergencies can come unannounced in the state of Louisiana, where people may be left needing urgent financing. Car title loans are a convenient solution when traditional lending options are not feasible due to low credit scores or urgent time limitations. Car title loans work by tapping into your vehicle's equity, thereby easing the path for quick and uncomplicated cash availability. Here are some reasons for you to consider car title loans in Louisiana, and look at the advantages they bring during financial crunch time.

Available to All Credit Types:

One great advantage that comes with Car Title Loans is that they are available to everyone regardless of what type of credit he or she might have. In normal circumstances, other lenders will check the credit scores of the applicant, making it difficult for those on the low-score list to access any form of credit from any lending institution in town. Car title loans, on the other hand, are primarily secured by the value of the borrower's vehicle, meaning that a pristine credit history isn't mandatory to procure the loan. This makes it an inclusive option for people who face financial difficulties, providing a lifeline when all other doors are closed.

Fast and Easy Application Process:

Time is of the essence in the case of financial emergencies. The need for quick approval processes that come with car title loans in Louisiana cannot go unmentioned. Unlike other loans that take up to weeks to be processed and require your credit history for close scrutiny, car title loans can be done within twenty-four hours. The application is streamlined with minimal documentation and is mostly hinged on the worthiness of the vehicle to be used as collateral. This speed and convenience of car title loans in Louisiana make them a preferred option for people in urgent need of funds.

Continued Use and Ownership of Vehicle:

One of the fallacies in relation to car title loans is that the borrower has to surrender their vehicle during the loan period. But this perception is not correct. The borrowers can keep their vehicle with them and use it, even during the time the loan is ongoing. Only the title is held onto as collateral, providing a practical solution for individuals who depend on their vehicles for daily tasks. This factor makes car title loans different from pawnshops or any other form of secured loans, making them flexible and user-friendly.

Flexible Repayment Options:

When it comes to Car Title Loans in Louisiana, the borrowers are presented with flexible repayment options, which the borrower can adjust according to their needs. While loans are generally short-term, the lender may work with the borrower to create a repayment plan that aligns with their income and budget. This flexibility may be very crucial for the person who experiences temporary economic setbacks, as this will provide an apt pathway to settle the loan without causing further burdens on their finances.

No Employment Verification:

In contrast to many other traditional loan forms that usually require pervasive employment verifications, a car title loan usually has no strict employment criteria. This makes them particularly ideal for people who might be between jobs or facing irregular income streams. If the borrower can prove by other means that he/she is able to pay the loan through other incomes like disability benefits and/or rental income, then chances are he/she will still be considered for a car title loan.

If you're looking for the right car title loans in Louisiana for your needs, be sure to contact www.ezcartitleloans.com today. The company offers car title loans in cities such as New Orleans, Baton Rouge, and Shreveport, as well as other states like Texas, Wisconsin, Idaho and Arizona.

0 notes

onlineloansyash · 7 months ago

Text

Need Fast Cash? Discover How CashTodayAsap Can Get You Up To $900 In Minutes!

Bad Credit Loans ($100 - $900)

No Credit Check Loans ($100 - $900)

Cash Loans ($100 - $900)

Online Small Loans ($100 - $900)

$900 Payday Loans

Fast E-Approval In 7 Minutes

Direct Deposit For Immediate Access

Visit & APPLY CLICK HERE

0 notes

fortnitemoney · 2 years ago

Text

FortniteMoney is aware of the rush you face in day-to-day life. They have come up with unique loan solutions that do not even need you to visit any bank branch.

#TEXT LOANS #Text Loans From Direct Lenders #Text Loans no credit check #Fortnitemoney #instant text loans

1 note · View note

ezcartitleloans-blog · 11 months ago

Text

EZ Title Loans: Vehicle title loans- Your Car's Value, Your Loan Approval

Unlock fast cash with EZ Title Loans! title loans near me no credit check, use your car's value for approval.

1 note · View note

mostlysignssomeportents · 2 years ago

Text

Wall Street Journal goes to bat for the vultures who want to steal your house

Tonight (June 5) at 7:15PM, I’m in London at the British Library with my novel Red Team Blues, hosted by Baroness Martha Lane Fox.

Tomorrow (June 6), I’m on a Rightscon panel about interoperability.

The tacit social contract between the Wall Street Journal and its readers is this: the editorial page is for ideology, and the news section is for reality. Money talks and bullshit walks — and reality’s well-known anticapitalist bias means that hewing too closely to ideology will make you broke, and thus unable to push your ideology.

That’s why the editorial page will rail against “printing money” while the news section will confine itself to asking which kinds of federal spending competes with the private sector (creating a bidding war that drives up prices) and which kinds are not. If you want frothing takes about how covid relief checks will create “debt for our grandchildren,” seek it on the editorial page. For sober recognition that giving small amounts of money to working people will simply go to reducing consumer and student debt, look to the news.

But WSJ reporters haven’t had their corpus colossi severed: the brain-lobe that understands economic reality crosstalks with the lobe that worship the idea of a class hierarchy with capital on top and workers tugging their forelacks. When that happens, the coverage gets weird.

Take this weekend’s massive feature on “zombie mortgages,” long-written-off second mortgages that have been bought by pennies for vultures who are now trying to call them in:

https://www.wsj.com/articles/zombie-mortgages-could-force-some-homeowners-into-foreclosure-e615ab2a

These second mortgages — often in the form of home equity lines of credit (HELOCs) — date back to the subprime bubble of the early 2000s. As housing prices spiked to obscene levels and banks figured out how to issue risky mortgages and sell them off to suckers, everyday people were encouraged — and often tricked — into borrowing heavily against their houses, on complicated terms that could see their payments skyrocket down the road.

Once the bubble popped in 2008, the value of these houses crashed, and the mortgages fell “underwater” — meaning that market value of the homes was less than the amount outstanding on the mortgage. This triggered the foreclosure crisis, where banks that had received billions in public money forced their borrowers out of their homes. This was official policy: Obama’s Treasury Secretary Timothy Geithner boasted that forcing Americans out of their homes would “foam the runways” for the banks and give them a soft landing;

https://pluralistic.net/2023/03/06/personnel-are-policy/#janice-eberly

With so many homes underwater on their first mortgages, the holders of those second mortgages wrote them off. They had bought high-risk, high reward debt, the kind whose claims come after the other creditors have been paid off. As prices collapsed, it became clear that there wouldn’t be anything left over after those higher-priority loans were paid off.

The lenders (or the bag-holders the lenders sold the loans to) gave up. They stopped sending borrowers notices, stopped trying to collect. That’s the way markets work, after all — win some, lose some.

But then something funny happened: private equity firms, flush with cash from an increasingly wealthy caste of one percenters, went on a buying spree, snapping up every home they could lay hands on, becoming America’s foremost slumlords, presiding over an inventory of badly maintained homes whose tenants are drowned in junk fees before being evicted:

https://pluralistic.net/2022/02/08/wall-street-landlords/#the-new-slumlords

This drove a new real estate bubble, as PE companies engaged in bidding wars, confident that they could recoup high one-time payments by charging working people half their incomes in rent on homes they rented by the room. The “recovery” of real estate property brought those second mortgages back from the dead, creating the “zombie mortgages” the WSJ writes about.

These zombie mortgages were then sold at pennies on the dollar to vulture capitalists — finance firms who make a bet that they can convince the debtors to cough up on these old debts. This “distressed debt investing” is a scam that will be familiar to anyone who spends any time watching “finance influencers” — like forex trading and real estate flipping, it’s a favorite get-rich-quick scheme peddled to desperate people seeking “passive income.”

Like all get-rich-quick schemes, distressed debt investing is too good to be true. These ancient debts are generally past the statute of limitations and have been zeroed out by law. Even “good” debts generally lack any kind of paper-trail, having been traded from one aspiring arm-breaker to another so many times that the receipts are long gone.

Ultimately, distressed debt “investing” is a form of fraud, in which the “investor” has to master a social engineering patter in which they convince the putative debtor to pay debts they don’t actually owe, either by shading the truth or lying outright, generally salted with threats of civil and criminal penalties for a failure to pay.

That certainly goes for zombie mortgages. Writing about the WSJ’s coverage on Naked Capitalism, Yves Smith reminds readers not to “pay these extortionists a dime” without consulting a lawyer or a nonprofit debt counsellor, because any payment “vitiates” (revives) an otherwise dead loan:

https://www.nakedcapitalism.com/2023/06/wall-street-journal-aids-vulture-investors-threatening-second-mortgage-borrowers-with-foreclosure-on-nearly-always-legally-unenforceable-debt.html

But the WSJ’s 35-paragraph story somehow finds little room to advise readers on how to handle these shakedowns. Instead, it lionizes the arm-breakers who are chasing these debts as “investors…[who] make mortgage lending work.” The Journal even repeats — without commentary — the that these so-called investors’ “goal is to positively impact homeowners’ lives by helping them resolve past debt.”

This is where the Journal’s ideology bleeds off the editorial page into the news section. There is no credible theory that says that mortgage markets are improved by safeguarding the rights of vulture capitalists who buy old, forgotten second mortgages off reckless lenders who wrote them off a decade ago.

Doubtless there’s some version of the Hayek Mind-Virus that says that upholding the claims of lenders — even after those claims have been forgotten, revived and sold off — will give “capital allocators” the “confidence” they need to make loans in the future, which will improve the ability of everyday people to afford to buy houses, incentivizing developers to build houses, etc, etc.

But this is an ideological fairy-tale. As Michael Hudson describes in his brilliant histories of jubilee — debt cancellation — through history, societies that unfailingly prioritize the claims of lenders over borrowers eventually collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Foundationally, debts are amassed by producers who need to borrow capital to make the things that we all need. A farmer needs to borrow for seed and equipment and labor in order to sow and reap the harvest. If the harvest comes in, the farmer pays their debts. But not every harvest comes in — blight, storms, war or sickness — will eventually cause a failure and a default.

In those bad years, farmers don’t pay their debts, and then they add to them, borrowing for the next year. Even if that year’s harvest is good, some debt remains. Gradually, over time, farmers catch enough bad beats that they end up hopelessly mired in debt — debt that is passed on to their kids, just as the right to collect the debts are passed on to the lenders’ kids.

Left on its own, this splits society into hereditary creditors who get to dictate the conduct of hereditary debtors. Run things this way long enough and every farmer finds themselves obliged to grow ornamental flowers and dainties for their creditors’ dinner tables, while everyone else goes hungry — and society collapses.

The answer is jubilee: periodically zeroing out creditors’ claims by wiping all debts away. Jubilees were declared when a new king took the throne, or at set intervals, or whenever things got too lopsided. The point of capital allocation is efficiency and thus shared prosperity, not enriching capital allocators. That enrichment is merely an incentive, not the goal.

For generations, American policy has been to make housing asset appreciation the primary means by which families amass and pass on wealth; this is in contrast to, say, labor rights, which produce wealth by rewarding work with more pay and benefits. The American vision is that workers don’t need rights as workers, they need rights as owners — of homes, which will always increase in value.

There’s an obvious flaw in this logic: houses are necessities, as well as assets. You need a place to live in order to raise a family, do a job, found a business, get an education, recover from sickness or live out your retirement. Making houses monotonically more expensive benefits the people who get in early, but everyone else ends up crushed when their human necessity is treated as an asset:

https://gen.medium.com/the-rents-too-damned-high-520f958d5ec5

Worse: without a strong labor sector to provide countervailing force for capital, US politics has become increasingly friendly to rent-seekers of all kinds, who have increased the cost of health-care, education, and long-term care to eye-watering heights, forcing workers to remortgage, or sell off, the homes that were meant to be the source of their family’s long-term prosperity:

https://doctorow.medium.com/the-end-of-the-road-to-serfdom-bfad6f3b35a9

Today, reality’s leftist bias is getting harder and harder to ignore. The idea that people who buy debt at pennies on the dollar should be cheered on as they drain the bank-accounts — or seize the homes — of people who do productive work is pure ideology, the kind of thing you’d expect to see on the WSJ’s editorial page, but which sticks out like a sore thumb in the news pages.

Thankfully, the Consumer Finance Protection Bureau is on the case. Director Rohit Chopra has warned the arm-breakers chasing payments on zombie mortgages that it’s illegal for them to “threaten judicial actions, such as foreclosures, for debts that are past a state’s statute of limitations.”

But there’s still plenty of room for more action. As Smith notes, the 2012 National Mortgage Settlement — a “get out of jail for almost free” card for the big banks — enticed lots of banks to discharge those second mortgages. Per Smith: “if any servicer sold a second mortgage to a vulture lender that it had charged off and used for credit in the National Mortgage Settlement, it defrauded the Feds and applicable state.”

Maybe some hungry state attorney general could go after the banks pulling these fast ones and hit them for millions in fines — and then use the money to build public housing.

Catch me on tour with Red Team Blues in London and Berlin!

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/06/04/vulture-capitalism/#distressed-assets

[Image ID: A Georgian eviction scene in which a bobby oversees three thugs who are using a battering ram to knock down a rural cottage wall. The image has been crudely colorized. A vulture looks on from the right, wearing a top-hat. The battering ram bears the WSJ logo.]

#pluralistic #great financial crisis #vulture capitalism #debts that can’t be paid won’t be paid #zombie debts #jubilee #michael hudson #wall street journal #business press #house thieves #debt #statute of limitations

129 notes · View notes

onlineloansyash · 7 months ago

Text

Need Fast Cash? Discover How CashTodayAsap.com Can Get You Up To $900 In Minutes!

Loans For All Credit Types

Bad Credit Loans ($100 - $900)

Even If You Have Bad Credit, CashTodayAsap.com Has You Covered.

They Collaborate With Lenders Who Specialize In Bad Credit Loans, Ensuring You Get The Assistance You Need.

No Credit Check Loans ($100 - $900)

Don’t Worry About Your Credit History. With No Credit Check Loans, CashTodayAsap.com Ensures That Your Credit Score Won’t Prevent You From Getting A Loan.

Cash Loans ($100 - $900)

Get Quick Access To Cash When You Need It Most.

CashTodayAsap.com Simplifies The Process, Making It Easy To Secure A Loan.

Online Small Loans ($100 - $900)

Apply For Small Loans Online Without The Need For Lengthy Paperwork.

CashTodayAsap.com Offers A Seamless Online Application Process.

#personal loans #no credit check loans #paydayloan #cash loan #fast cash options #fast cash loans online #short term cash loans #direct payday loan lenders #loans #no credit needed

0 notes

gatheringbones · 2 years ago

Text

[“Herself a landlord, Karen paid attention to how someone looked at her unit. This point was repeated in the thick training manual landlords received at registration: “Do they check out each room?…Do they mentally visualize where the furniture will go, which room the children will sleep in, or how they’ll make best use of the kitchen layout? Or do they barely walk in the front door before asking to rent, showing a surprising lack of interest in the details? People who make an honest living care about their home and often show it in the way they look at the unit. Some who rent for illegal operations forget to pretend they have the same interest.”

The small act of screening could have big consequences. From thousands of yes/no decisions emerged a geography of advantage and disadvantage that characterized the modern American city: good schools and failing ones, safe streets and dangerous ones. Landlords were major players in distributing the spoils. They decided who got to live where. And their screening practices (or lack thereof) revealed why crime and gang activity or an area’s civic engagement and its spirit of neighborliness could vary drastically from one block to the next. They also helped explain why on the same block in the same low-income neighborhood, one apartment complex but not another became familiar to the police.

Screening practices that banned criminality and poverty in the same stroke drew poor families shoulder to shoulder with drug dealers, sex offenders, and other lawbreakers in places with lenient requirements. Neighborhoods marred by high poverty and crime were that way not only because poverty could incite crime, and crime could invite poverty, but also because the techniques landlords used to “keep illegal and destructive activity out of rental property” kept poverty out as well. This also meant that violence, drug activity, deep poverty, and other social problems coalesced at a much smaller, more acute level than the neighborhood. They gathered at the same address.

For people familiar with hunger and scarcity, addiction and prison, that often meant being isolated from job networks and exposed to vice and violence. But it also meant people could air problems; swap food, clothes, and information; and finish one another’s sentences about lousy jobs or social workers or prison (“They put gravy—”…“On everything!”). It meant that, should they be in the early stages of opiate withdrawal, they could take a walk around their trailer park to calm the shakes and run into a fellow junkie who could give them what they needed.

Some landlords neglected to screen tenants for the same reason payday lenders offered unsecured, high-interest loans to families with unpaid debt or lousy credit; for the same reason that the subprime industry gave mortgages to people who could not afford them; for the same reason Rent-A-Center allowed you to take home a new Hisense air conditioner or Klaussner “Lazarus” reclining sofa without running a credit check. There was a business model at the bottom of every market.”]

matthew desmond, from evicted: poverty and profit in the american city, 2016

#matthew desmond #history stuff #currently reading

174 notes · View notes