#best loan settlement

[nixadvisory]

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[fincrif]

How to Remove a Personal Loan Default Record from Your Credit Report?

A personal loan can be a great financial tool for handling emergencies, consolidating debt, or funding major expenses. However, missing payments or defaulting on a personal loan can leave a negative mark on your credit report, affecting your ability to secure future loans or credit cards. A loan default record lowers your credit score and can remain on your credit report for up to seven years, making financial recovery difficult.

The good news is that there are ways to remove or rectify a personal loan default record from your credit report. In this guide, we will explore the steps to clear a loan default, how it impacts your financial future, and strategies to improve your creditworthiness.

1. What Happens When You Default on a Personal Loan?

A personal loan default occurs when a borrower fails to repay EMIs (Equated Monthly Installments) for an extended period, usually 90 days or more. Once the default is recorded, the lender reports it to credit bureaus like CIBIL, Experian, or Equifax, leading to a significant drop in the borrower’s credit score.

Consequences of a Personal Loan Default:

Credit Score Drop – A default can lower your credit score by 100 to 150 points.

Loan Rejection – Future loan applications may be denied due to the poor credit history.

Legal Action – In extreme cases, lenders may initiate legal proceedings to recover the outstanding amount.

Difficulty in Renting or Employment – Some landlords and employers check credit reports before approval.

If you have defaulted on a personal loan, taking corrective action immediately can help you recover financially.

2. Steps to Remove a Personal Loan Default Record from Your Credit Report

If you want to remove a personal loan default record, follow these steps:

A. Get a Copy of Your Credit Report

Obtain your credit report from CIBIL, Experian, Equifax, or CRIF Highmark.

Check for errors, incorrect late payments, or discrepancies in your loan default record.

Identify the lender who reported the default and confirm the outstanding balance.

B. Clear Outstanding Dues

If the default is genuine, contact your lender and repay the outstanding balance.

Request a loan settlement or restructuring if you are unable to pay in full.

Obtain a No Objection Certificate (NOC) after full repayment.

C. Negotiate a Loan Settlement with the Lender

Some lenders allow a one-time settlement where you can pay a reduced amount.

Ensure the settlement is reported as “Closed” in your credit report.

Avoid “Settled” status, as it still impacts your credit score negatively.

D. Request the Lender to Update Your Credit Report

Once you clear the dues, ask the lender to update your payment status with credit bureaus.

It takes 30-45 days for the updated report to reflect the changes.

E. Dispute Errors in the Credit Report

If your report contains inaccurate default records, raise a dispute with the credit bureau.

Submit supporting documents such as payment receipts, NOC, and bank statements.

The credit bureau will investigate and correct errors within 30-45 days.

By following these steps, you can improve your credit score and remove the negative impact of a personal loan default.

3. How Long Does a Personal Loan Default Stay on Your Credit Report?

A loan default remains on your credit report for up to 7 years. However, you can speed up the recovery process by:

Repaying outstanding dues and requesting report updates.

Raising disputes for incorrect default records.

Using credit-building strategies to improve your score over time.

If you take corrective action, the impact of a personal loan default can be minimized much sooner.

4. Alternative Ways to Improve Your Credit Score After Default

If a personal loan default has affected your credit score, follow these strategies to rebuild your creditworthiness:

A. Pay Bills and EMIs on Time

Set up auto-debit for loan repayments to avoid future defaults.

Maintain a 100% payment track record to show creditworthiness.

B. Use a Secured Credit Card

Opt for a secured credit card against a fixed deposit to rebuild your score.

Make small purchases and pay bills in full and on time.

C. Reduce Your Credit Utilization Ratio

Keep your credit card usage below 30% of your credit limit.

Paying off existing debts improves your credit profile.

D. Increase Your Credit Mix

Having a mix of secured (home, auto loans) and unsecured loans shows creditworthiness.

Avoid taking multiple personal loans in a short span.

E. Limit Hard Inquiries

Do not apply for multiple loans or credit cards simultaneously.

Hard inquiries lower your score; space out loan applications.

By following these methods, your credit score will gradually improve, increasing your chances of loan approvals in the future.

5. How to Prevent a Personal Loan Default in the Future?

To avoid defaulting on a personal loan, follow these proactive measures:

A. Borrow Only What You Can Repay

Assess your financial capacity before taking a loan.

Use a personal loan EMI calculator to determine affordable repayment amounts.

B. Maintain an Emergency Fund

Save at least 3-6 months’ worth of expenses to cover unexpected financial setbacks.

C. Choose a Longer Loan Tenure for Lower EMIs

If repayment is challenging, opt for a longer tenure to reduce EMI burden.

D. Prioritize Debt Payments

Always pay loans and credit card bills first before discretionary spending.

E. Communicate with Your Lender

If facing financial difficulties, contact your lender early to explore restructuring options.

Taking these precautions will help you avoid personal loan defaults and maintain a healthy credit profile.

Conclusion

A personal loan default can significantly impact your creditworthiness, but it is possible to remove or rectify it with the right approach. The first step is to clear outstanding dues, negotiate with the lender, and request a credit report update. If errors exist, disputing them with the credit bureau can help remove incorrect defaults.

Additionally, rebuilding your credit score through timely payments, secured credit cards, and low credit utilization is crucial for financial recovery. By adopting smart borrowing habits, you can prevent future defaults and regain your financial stability.

If you’re struggling with a personal loan default, take action today to improve your credit score and restore your financial health.

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[cashforgold-011]

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[chaotic-archaeologist]

Do you have any advice for someone who has most of an archaeology degree, but following some health problems during covid foricng me to withdraw from some classes, I didn't meet pace of progress and lost my financial aid and now owe my university $13k for the semester i didn't complete. I'm a 3.8gpa student and was deans list, but I have an enrolment and transcript hold until I pay them back. I will never have $13k at my disposal to pay that off without haivng my degree to make me employable, so I'm not sure how I can ever go back and finish my degree.

Do you have any advice for how someone in my position should proceed? I thought about merit based financial aid/scholarships with my high gpa, but I've never had any success finding those.

This is a tough one, since I don't really have any direct experience with a similar situation. If anyone has specific advice, please let me know.

Education loans/debt are special legal creatures, and perhaps the most important thing you can do is educate yourself on the legalities of your particular situation and what options are available to you. Here's a page I found that talks about the legal precedents for certain types of education loans. From what little I understand, the school is not looking for you to pay the $13k back all at once. There may be payment plans or settlements available to you.

The first thing that comes to mind is to contact your school's ombudsman. This is an office whose single purpose is to help students navigate institutional bureaucracy and pursue grievances against the institution. They are probably the best bet for finding ways to mitigate this debt, set up options for payment, etc.

Similarly, I would recommend making an appointment to talk with someone in the financial aid department if you haven't already. It might be painful and embarrassing, but I can guarantee you that you aren't the first person who has had this exact issue, and you won't be the last. They might also be able to help you navigate ways to deal with this debt.

Some schools have policies that if you have to withdraw for health reasons before X point in the semester, you can get your tuition refunded. This is what my family was able to do when I had to drop out during my sophomore year. Whether that would be an option for you depends 1) on your school, and 2) on if you have to apply for that forgiveness within a certain window. Still worth a shot though—this is something you can ask the ombudsman about.

If you were registered with your school's disability services (provided that you're in the US, which is where my experience comes from) before you had to withdraw, they may also be able to help you advocate for yourself based on having a disability. If this is something that applies to you, it's possible that you have some protections based on the ADA, although this will depend on the nature of your financial aid, and whether you were registered beforehand. Accommodations are not retroactive.

Finally, I hate to say it, but working in archaeology—with or without a college degree—is going to make it difficult to pay off these loans. Entry level archaeology jobs pay notoriously poorly, and other positions generally require some sort of postgraduate degree. You are employable without a degree, but it may not be in your chosen field. That's shitty news, I know, but it's something you need to consider in order to start dealing with this.

Best of luck, -Reid

[welldonebeca]

Fix-Her Upper**

Summary: After years of hard work and widowhood, you buy the house of your almost-dreams and move into it at the same time you’re mean to renovate it. As if things weren’t messy enough, it turns out you have a really hot, kind and friendly neighbour who happens to be single and really good with your son. You’re not sure you’re gonna be able to resist Thor Odison for long, especially when he offers to help you so much. Warnings: Modern AU. Meet-Cute. Some fluff. Slowburn. Eventual smut. Patreon promo. More warnings to be added as chapters come.

“Dustin!” you called out, rushing from the living room into the kitchen. “Don’t touch that door!”

You reached him just in time, blocking his path before his hand could make contact with the kitchen door.

“Don’t use that door,” you said, your voice firm but gentle. “If you want to go out, you’ll need to use the front door.”

The house, well, it was… a work in progress. A fixer-upper in every sense of the word.

You’d gotten it at a good price from an older couple who refused to sell to house flippers. It had taken a combination of savings, a bit of help from your parents, insurance, and a settlement you’d received to make the down payment. It wasn’t a fortune, but it was enough to make the loan manageable, and the house was in a good location. Still, it needed a lot of work.

“Why?” Dustin asked, peering at the door with furrowed brows.

“It’s unstable,” you said, gently guiding him away from the kitchen. “Come on, let’s go.”

“What’s unstable?” he asked, still curious.

You tried to suppress a smile. There were so many things that were unstable in your life right now. Some days, you probably were one of them, too. But you kept those thoughts to yourself.

Dustin was sweet and incredibly inquisitive, always asking questions, and eager to learn. You appreciated that and tried to nurture it as best as you could.

“Unstable means something that doesn’t have balance,” you explained, choosing your words carefully. “Like… a door that could fall off its hinges if we use it, or a person walking on a tightrope. It means something that isn’t secure, that might fall apart if you’re not careful. Like that door — it could come down on us if we open it now.”

That sounded about right.

“Why don’t you look it up in your dictionary?” you suggested.

Dustin paused, looking up at you with wide eyes.

“I can’t now. I’m going to play outside. I’ll look it up later.”

“Alright,” you agreed. “But if you’re going to play outside, you have to go through the front door and use the gate. And don’t forget your hat. The sun’s really strong today.”

Dustin nodded enthusiastically, grabbed his cap, and pulled it onto his messy blonde hair. He dashed off to the backyard, eager to escape into his world of play. You watched him go, eyes lingering on the door, the one that would need fixing sooner rather than later.

The decision to buy this house had been complicated. You’d been saving for it for eleven years, ever since you started working at eighteen. When you and your fiancé got together, he joined in the effort, adding to the growing fund.

For the last seven years, you two had been building a life together, dreaming of the future — especially after Dustin was born, three years into your relationship. You both wanted to give him everything, a solid foundation for the future. A good house was part of that. And even though it wasn’t perfect yet, you could see it becoming something special.

It was the reason you had insurance — for both of you. You’d kept yours, even after everything.

If anything happened to one of you, at least the other would have a way to provide for Dustin.

And something did happen.

Victor passed away when Dustin was only two, almost three years ago. It was a work accident, caused by the company’s negligence. They fought you every step of the way, trying to blame Vic for the incident and prevent you from getting the settlement. The whole thing was a nightmare — messy, and ugly, with TV stations picking up the story and the internet buzzing with outrage.

You were certain that the only reason they eventually caved and paid you off was because the bad publicity was starting to hurt their reputation. You couldn’t have been more sure of it.

But it meant getting a house that was close enough to your dreams — somewhere Dustin could go to a good school, not too far from your parents’ home, so you’d have a support network when you needed it most, with your sister as a roommate.

You had lived with them for those years after Vic’s death, because, frankly, you weren’t stable enough to be on your own yet.

You were only twenty-five. Your partner of five years had been taken from you suddenly and you had a toddler to care for and a life that demanded you keep moving forward, even though you didn’t feel ready to.

Life didn’t stop after Victor’s death, even if it felt like it should. The world kept spinning, and you had no choice but to move with it. So, there you were — living in your childhood room, your baby at your side, trying to find some semblance of normality in a life that had been ripped apart.

It had taken a while, but now, you finally had some semblance of normalcy. Dustin was about to enter those crucial school years — the years where he would learn how to read, and how to do Math — and you knew it was time to move. You wanted it to be his last move. Doing it any later, even if it was possible, would only disrupt his learning, and his sense of stability, and you didn’t want that.

So, here you were — officially living in a house you were also in the middle of renovating.

Fantastic, really.

Rooms were half-painted, and fixtures sat in boxes waiting to be installed. Your sister, Julia, had moved in with you, and your plan was for her to take the basement, which was meant to be an independent unit. But the place needed so much work that she ended up taking the room that had been meant for Dustin, and Dustin had to settle for what was supposed to be your closet.

Your boy didn’t seem to mind the mess; kids were adaptable, after all. He was excited about the space, and about the backyard where he could run and play. You’d promised him that once the house was done, it would be perfect, just like the ones in the books you read to him at night.

Some days, the weight of it all felt too heavy — the late nights of sanding floors, the early mornings of unpacking boxes, the constant juggling of work, Dustin, and the endless projects around the house. But you kept going because that’s what you had to do.

Julia, bless her, wasn’t much help with any of that. She was a wonderful aunt, great at a lot of things, but fixing up a house? That wasn’t her strong suit. You couldn’t trust her with a drill even if seven contractors were supervising.

You glanced out the kitchen window, watching Dustin in the garden, poking at leaves with a stick, getting his hands dirty as he explored the world around him.

“I think the water heater’s working better,” Julia called from the living room, stepping into the kitchen. “What did you do to it?”

You turned to look at her, an innocent shrug on your shoulders.

“Turned a valve.”

Your little sister snorted, shaking her head in amusement.

“Genius,” she teased. “Well, I’m off to work now.”

“Good luck,” you said, watching her grab her things.

You turned back toward the yard, your heart dropping into your stomach when you noticed Dustin was gone.

What?!

“Dustin!” you called out, panic rising in your chest. “Dustin?!”

No answer.

You bolted out of the house, not even thinking about the kitchen door, just shoving it open as you ran into the backyard. The old door creaked and fell down on the floor, forgotten in your haste.

Your heart barely steadied when you spotted him. But then it hammered again — this time with panic — when you saw he was on the other side of the fence.

How did he get over there?

“Dustin Victor, you come back here this instant!” you shouted.

Dustin froze, holding a rock in his small hand, his wide green eyes locking with yours as he slowly stood up from where he had been crouching.

Dustin didn’t move, his gaze fixed on you as if he couldn’t quite decide whether to stay put or run. The rock in his hand trembled slightly, and you could see his mind working through something — his curiosity, his defiance, or maybe just his love for exploration.

“Dustin,” you said again, your voice softer now, though still firm. “Come back. Now.”

He parted his lips as if to say something, but no words came out. He pouted for a moment, then carefully placed the rock down, before making his way toward you. He ducked under the fence, pushing aside two planks as he slipped through.

“What were you doing?” you asked, your eyes focused on his face, your voice tinged with concern. “You can play in our yard, but that’s not ours.”

Your heart was pounding so loudly in your ears that you didn’t notice someone approaching from the other house until it was almost too late.

“Hey, neighbour,” a deep voice called.

You froze, instinctively pulling Dustin close to you.

A very tall, blonde-haired man stood on his porch, one hand shielding his eyes from the sun.

“I’m sorry,” you said quickly, your voice tight with the mixture of relief and embarrassment in you. “I looked away for just a second, and he sneaked out. It won’t happen again.”

The man offered a small smile, and you couldn’t help but notice how handsome he was. Very tall, broad-shouldered, with a kind of easy strength about him. And that hair — blonde and sun-kissed, almost glowing in the light. He had that golden retriever look about him, the kind that made you think he was the type to help you carry your groceries or fix a flat tyre without asking.

Very, very good-looking,

“I didn’t know the house was occupied,” he said, taking a few steps closer. “I would’ve come by to introduce myself earlier.”

Handsome Neighbour squinted a bit in the sun, moving into the shade, and when he lowered his hand, he just became even more... good-looking. It was almost unfair.

“We moved last week,” you explained. “We’re still settling in.”

“I’m Thor,” he said with a grin, looking down at Dustin. “Like the god... and the comic superhero.”

Dustin gasped, his eyes lighting up with excitement. He was all about superheroes.

“Y/N,” you introduced yourself, giving a polite smile, “and this—”

“I’m Dustin!” your son interrupted proudly. “I’m four and a I'll be five in two months!”

Thor chuckled, his smile widening even more.

“Well, Dustin,” he said, leaning slightly to focus on him, “I’m 34.”

He stood up fully, his gaze shifting back to your face.

“Welcome to the neighbourhood,” he said warmly. “We were starting to fear the house was going to be torn down or bought by flippers."

. . .

"Fix-Her Upper" is a slow burn Thor x F!Reader being posted on my Patreon now! To read it as chapters come, consider subscribing to my page! It's just $2 a month and I promise you won't regret it.

. . .

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[trustedgoldbuyer]

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[nixadvisory]

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[fincrif]

How to Rebuild Your Credit After Defaulting on a Personal Loan?

Introduction

A personal loan can be a helpful financial tool for covering expenses such as medical emergencies, home renovations, or debt consolidation. However, failing to repay your personal loan on time can lead to a default, significantly affecting your credit score and financial reputation. A default is recorded in your credit report, making it difficult to access future credit at favorable terms.

While defaulting on a loan has serious consequences, the good news is that you can rebuild your credit with the right strategies. This article will guide you through the impact of a personal loan default on your credit score and outline steps to restore your financial standing effectively.

Understanding the Impact of Loan Default on Credit Score

When you default on a personal loan, it can have the following negative effects on your credit profile:

1. Significant Drop in Credit Score

A personal loan default can cause your credit score to drop by 100 to 300 points, depending on the severity of the default.

2. Negative Record on Credit Report

The default remains on your credit report for up to seven years, making it challenging to obtain new loans or credit cards.

3. Limited Loan and Credit Card Approvals

Banks and NBFCs consider loan defaulters as high-risk borrowers, reducing their chances of getting approval for future credit.

4. Higher Interest Rates on Future Loans

Even if you qualify for a new personal loan, lenders may charge higher interest rates due to the risk associated with lending to a defaulter.

Steps to Rebuild Your Credit After Defaulting on a Personal Loan

1. Repay Outstanding Debt

The first step in rebuilding your credit is clearing any pending dues. If you have defaulted on a personal loan, contact your lender to discuss repayment options.

Negotiate with the lender: Request a structured repayment plan to clear your overdue balance.

Settle the loan if necessary: If full repayment isn’t possible, ask for a one-time settlement. However, note that a “settled” status on your credit report is less favorable than a “closed” status.

2. Check Your Credit Report Regularly

Monitoring your credit report helps you:

Identify any errors or inaccuracies in loan defaults.

Ensure that the repayment status is updated correctly.

Track improvements in your credit score over time.

You can access your credit report from agencies like CIBIL, Experian, or Equifax.

3. Start Using Credit Responsibly

After defaulting on a personal loan, responsible credit usage is crucial to rebuilding your financial credibility.

Use a secured credit card: Banks offer secured credit cards against fixed deposits. Timely payments on these cards help improve your credit score.

Opt for a credit-builder loan: Some financial institutions offer small loans designed specifically to help rebuild credit.

Avoid applying for multiple loans: Each loan application results in a hard inquiry, further reducing your credit score if rejected.

4. Make Timely Payments

Your payment history is one of the most important factors influencing your credit score. Ensure you:

Pay credit card bills and EMIs on time.

Set up automatic payments or reminders to avoid missing due dates.

Pay at least the minimum amount if you cannot afford the full repayment.

5. Reduce Your Credit Utilization Ratio

The credit utilization ratio is the percentage of available credit that you use. Keeping this ratio below 30% can positively impact your credit score.

For example, if your credit card limit is ₹1,00,000, try to use less than ₹30,000 to maintain a good utilization ratio.

6. Consider a Loan Against Collateral

If you need funds but cannot qualify for an unsecured personal loan, consider:

Gold loans

Fixed deposit loans

Loan against property

Since these are secured loans, they have lower interest rates and are easier to obtain even with a low credit score.

7. Increase Your Credit Mix

A mix of different credit types, such as secured and unsecured loans, helps improve your credit profile. Consider taking a small secured loan and repaying it on time to show lenders that you are a responsible borrower.

8. Become an Authorized User on a Trusted Credit Card

If you have a family member with a good credit history, ask them to add you as an authorized user on their credit card. This can help improve your credit history without taking on new debt.

9. Avoid Closing Old Credit Accounts

The length of your credit history affects your credit score. Keeping old credit accounts open (even if unused) helps maintain a longer credit history and improves your score.

10. Seek Professional Credit Counseling

If you are struggling to manage your debt, consider consulting a credit counselor who can:

Help you create a budget.

Offer advice on debt repayment strategies.

Assist in negotiating with lenders for better repayment terms.

How Long Does It Take to Rebuild Credit After Default?

The time required to rebuild your credit depends on several factors, including:

The severity of the default – Larger defaults take longer to recover from.

Consistent repayment behavior – Regular payments help improve credit faster.

The effectiveness of credit-building strategies – Using secured credit cards and maintaining a low credit utilization ratio speeds up recovery.

On average, it takes 12 to 24 months of responsible credit behavior to see significant improvement in your credit score.

Preventing Future Loan Defaults

To avoid defaulting on a personal loan in the future, follow these preventive measures:

1. Borrow Within Your Means

Only take a loan amount that you can afford to repay comfortably.

2. Create an Emergency Fund

Having savings equivalent to 3-6 months of expenses can help you cover EMI payments during financial difficulties.

3. Use Loan EMI Calculators Before Borrowing

Understanding your EMI obligations before taking a personal loan helps ensure affordability.

4. Choose Longer Repayment Tenures If Needed

A longer tenure reduces EMI burden, making repayment easier.

5. Communicate with Your Lender

If you anticipate difficulty in repaying a loan, inform your lender early and request loan restructuring or deferment options.

Conclusion

Defaulting on a personal loan can have long-term consequences, but with disciplined financial habits, you can rebuild your credit score and regain financial stability. Repaying outstanding dues, monitoring your credit report, making timely payments, and using credit responsibly are key steps in the recovery process.

By following the strategies outlined in this guide, you can gradually improve your credit score and enhance your chances of obtaining future loans at favorable terms. Responsible financial management will ensure that you do not face similar challenges again and can build a secure financial future.

[sellgoldncr]

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[dreaminginthedeepsouth]

A few stories about the Tangerine Tyrant caught my eye today, and they all point to his increasing desperation - so I figured I’d go around the horn and celebrate his continuing dissipation.

First: Criminal Defendant and Adjudicated Rapist Donald Trump yesterday predicted a “bloodbath” if he didn’t get reelected, and the media quickly devolved into outlets condemning his use of violent rhetoric and others - Fox and Newsmax - concern trolling over how he was talking specifically about the automobile industry. So, whatever. If you’re interested in parsing the event along those lines, have at it - but I think there’s a more interesting, deeply indicative phenomenon just below the surface that speaks not just to Trump’s mentality but that of his whole bonkers cult.

If you’re looking for the atavistic pull of Donald Trump on his followers, it’s in his power to do whatever the hell he wants and face no consequences. NO ONE can tell him what to do. NO ONE can keep him from attacking whomever he wants. NO ONE can prevent him from sating his desires. NO ONE.

Now, we know that’s not true - as evidenced by his exile to Mar-a-Lago for the past three years, but it’s part of the mystique. In a lot of ways, it makes sense if you look at his cult following - people who are, by and large, deeply disempowered and enraged at a culture that is stripping away their traditional privileges and social entitlements. They WANT Trump to keep shitting the punch bowl as a sort of wish fulfillment of their own stifled rage. Maybe they can’t rape the woman they want to rape or kill the immigrants they hate for speaking Spanish or Hindi at the Gas-n-Sip – but they sure as hell can dream about it when Trump gives a cross-burner of a speech. That’s all standard form.

But what we saw last night - and in the fascist outrage-trolling today - was something new. It’s been creeping into the 2024 election cycle here and there, but yesterday, it entirely broke through, and it’s this: NOT EVEN TRUMP’S BRAIN IS ALLOWED TO CENSOR TRUMP’S MOUTH WHEN IT COMES TO RAGE AND ANGER.

Look, Trump KNOWS that using words like “bloodbath” is going to cost him non-MAGA voters. He knows that calling people “vermin” is going to hurt his chances of navigating the very narrow path ahead if he hopes to return to the White House. Yet, he can’t stop himself. Trump is unable to act in his own easily achieved best interest if it means not being a monster, and while it’s lamentable that he’s bringing such hatred to our national debate, I encourage him to keep it up.

You be you, Donald!

Every single time you let your id out of its box, it’s like sending America an unsolicited, mushroom-shaped dick-pic. Sure, your fans are going to love it, but the rest of us grossed the fuck out.

So, please! Rage on!

-----

Second:

Trump’s lawyers in the NYS civil fraud case settlement submitted a filing today that it is “a practical impossibility” for Trump to post a bond for the half-billion dollars he needs to cough up in order to appeal the decision. According to reports, he approached 30 different surety companies, and they all turned him down. Why they would do that might indicate what’s got him tuned to “bloodbath” and “vermin” levels of rage.

It might be a simple point, but it bears a paragraph of explanation.

Most folks who don’t work in the NYC real estate market – or any real estate market – might think, “Hey, he’s a rich guy. Why not just sell a few of those buildings he owns? They’ve gotta be worth a pretty penny.”

Or, alternatively, “Why won’t anyone take Trump Tower as collateral for a loan?”

The simple answer is he doesn’t really OWN any of that shit outright. It’s ALL mortgaged to the hilt. To get a clearer picture of this, let’s look at 40 Wall Street – one of Trump’s “prestige” properties.

The numbers are a bit hard to come by, but an hour of reading suggests that the building is presently worth about $200 million. Mind you, part of the fraud charges – now proven – included his valuation of the building in 2015 at over $750 million, but it’s just not worth that at all.

So, take the $200 million as a starting point and note that Trump’s mortgage on the property, according to a Bloomberg report in November of 2023, stands at $122 million. So, if Trump were to liquidate his stake in the property fully, he’d only net about $78 million – and that is BEFORE the capital gains taxes, NYS taxes, and NYC taxes on the sale. According to a few articles I’ve scanned this evening, that would be up to about 40% of his earnings. That means, even if he drops one of his most precious assets, he would only raise about $50 million.

He owes TEN TIMES that number by next week.

Play that out another round, and realize that if Trump tried to sell ten or twenty office buildings in NYC all at once, the price of ALL of them would plummet to fire-sale prices.

He’s fucked. Moreover, he knows it and is desperate to find a way out.

-----

This brings us to news item number three: The Return of Paul Manafort.

News leaked today that Trump is considering bringing convicted felon and former campaign manager Paul Manafort back into his 2024 bid for the White House. Manafort, primarily due to his complete lack of a moral center, would be a tremendous asset for Trump. He’s a solid political operative, but what he REALLY brings to the table is a direct line back to the Russian oligarchy and their money. That, obviously, is an enormous threat to national security, and I’ve got to hope that the intelligence services in DC and around the world will be on heightened alert for any covert – or overt – entreaties to Putin or his cronies for a loan. I’ve got to hope there are ways of making such entreaties known to the public through selective leaks if nothing else.

But that brings us back to observation number one.

Trump knows that going to Putin for help with his financial difficulties if it becomes known, would be a dagger to the heart for his chances of returning to the White House. Yet, if I’m right, he will be unable to stop himself when it comes to finding a fix for his hemorrhaging empire. His brain will tell him this is a terrible idea, but it won’t matter. NO ONE is allowed to stop Donald Trump from doing whatever the hell he wants to do – not even Donald Trump.

In 1776, James Otis, a thoughtful supporter of the Revolutionary War, noted about politics, “When the pot boils, the scum will rise.”

Trump is proving that to be true, even when there’s only one evil, arrogant, rapist bastard in the soup. He’s so screwed.

Love to you all.

Michael J. Tallon

[5feet-of-anxiety]

I know it's pretty unhelpful to offer unsolicited advice to donation posts but for those in the US who are going through a hard time I do want to at least make sure people know some options they may have available to them that have helped me and friends out over the year.

Call everyone you pay bills to and ask about hardship plans or assistance options. Try and avoid any long term reduced payment plans but short term are generally fine. One or two month deferments are fine too. If it's a long term (1+ years) sudden situation then ask about settlement options. It's not the best for your credit but it's better than late payment reports ending up in a charge off.

Do not use a DSC unless you have a lot of stuff in collections/different accounts to pay and don't have the time or energy to deal with them yourself. Dsc's charge you to settle on accounts usually one by one as accounts fall more and more delinquent. You can do that yourself. If it's already charged off save it for later

Don't wait until savings are gone to ask for these assistance options. The minute you don't have income reduce your expenses as much as possible.

Unless it is an expense you are 95% you can pay off without issue do not take out a loan

Apply for unemployment the same day you lose a job and keep up with the paperwork. I've lost out on potential unemployment earnings 3 different times because of how confused I get from it so don't be afraid to call and ask for help or explanations.

Car auctions can be your friend for a vehicle . Police auctions are not great but see if there are any other auctions nearby and you can generally get a car for the same price as a down payment. If you have car knowledge great if not try and bring someone that does. Even if you don't check that it starts, pop the hood and make sure nothing's missing, and look up the car model for common issues.

Need a job fast and can't stand fast food? Call centers are always hiring. Like any job they do suck and some are worse than others but they tend to pay more than minimum wage and they're not physically demanding if that's an issue. Also try storage facilities as they tend to have benefits and may provide housing or at least a discount on a storage unit if your living situation demands one.

This isn't important financially but it's something that affected me for a long time. But if you're feeling lonely and looking for a community or even just someone to connect with then do participate in book clubs, low cost classes or social events, strike up conversation with others at the parades, bars/clubs, library, store wherever. Even if it's just a connection in passing it will enrich you. And if you don't put yourself out there those connections will be harder to come by.

Therapy isn't cheap and journaling isn't a replacement but it can cost less than 2 dollars and it at least helps to get the thoughts and feelings out somewhere.

Goodwill sucks. Look for smaller donation shops a lot of them do actual community outreach.

That's all I got and this is not a list of cure all solutions that will work for everyone or solve problems 100%. These are just things that have either helped me in the past or I wish I would've done differently. There's a lot of tips out there and it sucks to live in survival mode like that but always choose what's best for you.

[memesnotdreams]

alright friends, been working on this one for a few days. my car was totaled and it was an eye opening experience--i learned a few things about insurance, the loss process and buying a new car so passing on that knowledge so that you can keep as much of your hard earned money as possible.

buying cars -price is absolutely negotiable. a good benchmark is with fees and everything, you should try to walk out the door with the sticker price. i.e. if a dealership is selling a car for 12k excluding fees, you should shoot to pay 12K total. do your own research of course in order to make your case, but i'm just here to say that it's possible so dont give up, and dont leave money on the table. this is your sign to be aggressive! -negotiating is a bit of a performance. bring props, they help. i had all my notes printed out and it totally changed the tone of the conversation as soon as i whipped them out. -okay yes this is theater but, especially if you are getting a used car, take this bit seriously and prepare lol. bring a hard copy checklist of features to check on the car. verify VIN, the specs/model of the car, interior and exterior finishes and condition etc. and then actually verify! looking this closely at the car helped me identify cosmetic issues that helped when negotiating, and i also found some features to be missing. as it turns out, dealerships will list all possible features on a car according to the model,but it's up to you to make sure the car you are buying comes with those options. -again when buying a used car, ask if it comes with a warranty or is being sold as is. if it is being sold as is, whatever is wrong with the car at time of sale is your problem so plan accordingly. if they say there is a warranty verify this is not a warranty you are paying for as part of the loan. you want a dealership guarantee, or a manufacturers warranty best case. i was told the car had a warranty included with purchase but it was essentially an up sell and would be wrapped up in the loan. this added a couple thousand to my negotiated price. you can buy your own warranty later if it comes to it, but you do not need this.

the total loss process -a total loss is when you get in an accident and even if the car is driveable, your insurance company tells you they aren't going to fix it because it costs too much and or can not be made safe to drive -your insurance company is almost always going to lowball you for the settlement amount. dont accept this! double check their work on the settlement report, verify the comps are as close to your vehicle as possible. and have pictures of the interior and exterior of the car ready (esp in the case where there was minimal damage but it's still being ruled a loss) to show that your car was in good condition. - my last bit of advice is just to wait them out and be polite but firm. they absolutely can and will adjust the settlement if you come with evidence and are persistent. photos are a huge help so send those as soon as possible. this advice is unpopular for those of us who have issues challenging authority but hype yourself up and just do it. it's your money and it's owed to you.

more to come about how the accident reporting process actually works and some pitfalls i ran into.