#payday loans that accept disability

[lendee-canada]

I’m on ODSP benefits: can I apply for a payday loan?

Yes, if you receive income from the Ontario Disability Support Program (ODSP) provided by the government of Canada. Many online lenders accept ODSP benefits as a source of income and qualify you for a loan.

Many Canadians receive ODSP benefits but need clarification if they can qualify for a loan. It might be a complicated matter for them, but it is not. You could qualify for a personal loan or payday loan by showing your ODSP benefits support as your income.

Let’s discuss ODSP loans in nutshell…

What are ODSP loans?

The Ontario Disability Support Program (ODSP) provides many health and disability-related benefits to the people of Canada. These benefits help them to bear the costs of expenses related to their disability or other medical conditions.

Get complete detail here: Overview of the Ontario Disability Support Program (ODSP).

Whether you live in British Columbia, Ontario, or anywhere in between, being a Canadian with a disability and low income gives you many difficulties. Most of them are related to finances. We all know that disabled people live with higher expenses than people without disabilities.

Disabled people require particular types of equipment like wheelchairs and crutches; they pay for extensive renovation expenses to apt the housing facilities, and sometimes taxi drivers charge additional fees for their exceptional services to disabled people.

So, how can they cover all such day-to-day expenses with their limited ODSP benefits? It is not possible in reality. But thankfully, there are trusted online lenders who offer lending options such as ODSP payday loans or ODSP loans in Canada to people on disability benefits.

Can I get a loan while on ODSP?

Yes, it is possible to get a loan by using ODSP benefits. All you need to do is find a lender that accepts your Ontario Disability Support Program (ODSP) as a valid source of income. It might be difficult, but not impossible.

When you are unemployed and living on disability benefits, getting loan approval from banks and other financial institutions is probably challenging. But the good news is that, like Canada Child Tax Benefit (CCTB) and Canada Pension Plan (CCP), your ODSP also counts as an income source by some online lenders.

There are two types of loans that disabled people in Canada widely use:

ODSP Payday Loans: Online payday loans that accept ODSP benefits are easy to apply, and you don’t have to fulfill the formalities required by banks and other financial institutions. These loans are ideal for people in Canada who receive disability income and want ODSP loans in Ontario.

ODSP Installment Loans: Installment loans are a type of personal loan that is repaid with a fixed number of pre-scheduled payments. ODSP installment loans are meant for more significant loan amounts and longer repayment times.

Why choose ODSP payday loans online?

Payday loans accept ODSP income: Show proof of your ODSP benefits income, and you will qualify for payday loans online.

Instant funds: From applying to cash disbursed, all are fast enough that you will be funded within 10-15 minutes.

Easy repayment: Pay your payday loan once you receive your next month’s ODSP income.

No need for good credit: People with bad credit scores can apply and get funds from ODSP payday loans online.

Bank transfer or e-transfer: If you apply for online ODSP payday loans, you can get your funds directly into your bank account or by using interact e-Transfer®.

How to boost your chances of being accepted for a ODSP loan?

Applying with a trusted lender only: It is essential to choose your lender wisely. Many payday lenders are not operated with valid licenses in Ontario. So, make sure to find a trusted lender that accepts ODPS income.

Apply for the amount you need: Make sure about how much you need to borrow. Check your ODSP income and, after that, estimate your loan affordability limits. Shorter the loan, the higher the approval chances.

Maintain a good credit score: The higher your credit score is, the higher the chances of your loan approval. A good credit score means you are less likely to default on loan repayments.

Always provide valid information: Complete your ODSP online payday loan application form with the correct information. All the lenders rely on the details provided by the applicant. If they find any inaccuracies, your application rejected.

Avoid applying with multiple lenders: Every time you are rejected for a loan, it will be recorded on your credit file and decrease your credit score. The best way is to only apply with one lender. Applying for multiple credit types and with lenders increases the chances of loan rejection.

What are eligibility requirements for ODSP payday loans?

Getting approval for ODSP payday loans online is quick and easy. You need to meet the following eligibility criteria:

Be at least 18 years old.

Be a resident of Ontario, Canada.

Have a recurring ODSP income.

Have an active bank account.

Please note: always borrow the money you can quickly repay on the due date. Check your ODSP income and accordingly decide the loan amount.

Why choose Lendee® for ODSP loans?

There are many reasons why get ODSP payday loans online with Lendee.ca; some are mentioned below:

Dedicated online ODSP payday loans: We know the problem of disabled people in Canada, so we offer 100% online ODSP payday loans. No need to step out of your home; apply for these loans online to get quick cash into your account.

Support e-Transfer: When emergency strikes, you have no time to wait to get money. Once your loan is approved, the funds will be directly transferred to your bank account via interactive e-transfer within 10 minutes. We support e-Transfer payday loans in Canada for the ODSP recipient.

All credit scores welcome:No matter what credit score you achieve in the past, you are eligible to apply for ODSP payday loans for a bad credit profile. We accept all types of credit.

100% secure: We strive for our applicants’ security, which is why we use updated and modern technology to beat hackers. We are committing not to sell data to third parties. Our 256-bit SSL makes everything private and secure.

If you feel that your ODSP income is not enough to cover all your expenses, don’t worry! We at Lendee.ca offer easy and online payday loans that accept ODSP benefit support as valid source of income. Come and apply with us today!

Lendee is on Youtube, Please subscribe to us!

🔗Here Is The Source Of The Original Article ▶

[classicquid]

For a short term loans UK, what requirements must I meet?

Before submitting an application for a short term loans UK through our website, please confirm that you are:

18 years or older: In the UK, you must be 18 years of age or older to apply for a loan.

Have a UK bank account - You cannot apply for a loan without a UK bank account since the lender we connect you with will need to deposit the funds into it.

Residing in the UK and earning a steady salary.

If you satisfy the aforementioned requirements, you may submit an application for a £5,000 short term loans UK.

If you're looking for friendly payday loans, you've come to the correct spot. What are short term loans UK direct lenders?

Payday loans are short-term borrowing options that can be applied to urgent situations. Short term loans direct lenders payments are normally repaid with interest over the course of a week to three months. According to recent findings by Scope, persons with disabilities are more prone to utilize short term loans online since carrying out daily tasks becomes very difficult and complex for them as a result of the lack of employment and greater expenses.

The rights of people with disabilities must be protected because they have higher costs than average citizens. Their costs are increased as a result of medical expenses and equipment types. Due to the nature of their disability, it could be more difficult for them to make a living. Some persons with impairments can work, and the law guarantees that they won't face discrimination from employers and will be paid equally to their ability.

Quote for a Short Term Loans Direct Lenders without commitment.

After submitting the application, a short term loans direct lenders will be assigned to you. You will be given a quote with no commitment, and it will be up to you to decide whether to accept it. You will be led to the lender's website to finish the application if you decide to proceed with the quote displayed.

If a person meets the requirements for a short term loans UK direct lender and requires one without a debit card in the UK or for a short period of time, the lender shouldn't turn them down. Discrimination between disabled and able-bodied persons is not acceptable.

What are consistent earnings?

• Salaries

● Rents

● Government advantages

● Rental property revenue and assets

● Through Investments

Can I receive a disability payday loan while receiving benefits?

Yes, even though some lenders don't offer the funds with perks. Our lenders offer loans with various incentives.

We provide two loan types: Simple Loans and

●1 to 3 months

●Loans for any purpose

●There aren't any costs, not even for early repayment.

● £100-£1000

Flexi loans

●3 to 36 months

●Loans for any objective

●No up-front costs or fees

● £1000-£5000

What requirements must you meet in order to qualify for a payday loan?

UK RESIDENCE: In order to confirm your identity and address, you must present proper identification.

You must be employed and have at least £500 in your bank account each month.

You must have an active UK bank account into which your salary is deposited.

You must be at least 18 years old.

[paydayquid]

The Ideal Short Term Loans UK is Available From Payday Quid

Are you in dire need of money, but your disability is getting in the way? Are short term loan lenders refusing to offer you the money because you lack regular income as a result of being laid off? If you said "yes," then don't worry; several lenders have quick fixes for your money problems. Short term loans UK might provide you with the necessary financial assistance to obtain the money you urgently need. Without a debit card, a borrower can still find a loan through the connected lenders. As a result, you will be able to obtain the funds in the shortest amount of time.

Short term loans UK are unsecured and have a limited duration. You can relax if you don't own any real estate because it is not required to put assets up as security against the borrowed amount. To get approved for this loan program, your credit history does not need to be great. People with defaults, arrears, late payments, foreclosure, bankruptcy, or a low credit score can locate an appropriate lender who can offer minor financial support for any urgent fiscal need.

All UK citizens are eligible for short term loans direct lenders, but only after they fulfil a few prerequisites. You must be older than 18 and have had an open bank account in your name for the previous six months in order to qualify for this planned financial product. You need to have a bank account that accepts direct deposits in order to receive the loan securely. In addition to them, you should make a minimum of £500 per month to considerably boost your chances of getting a loan approved the same day you apply.

Apply today for a no fee loan from Short Term Loans UK Direct Lender

In contrast to short term loans UK direct lender, you can obtain a sum between £100 and £1,000 upon acceptance. Within 14 to 31 days, you must settle the debt. These flexible loans can be used for any legitimate purpose in accordance with your needs. You have complete discretion to use the money for any private expense. You can pay your rent, electricity bills, credit card payments, home insurance installments, child's school or tuition fees, and other expenses with the supplied sum. You are advised to fill out the online form with your personal information if you want to receive the money as soon as possible on the same day. In the shortest amount of time, the approved funds are sanctioned for direct deposit into your account.

For those looking for alternatives to same day loans UK or short-term loans, Payday Quid works to offer the best service and most affordable rates. Payday Quid is a non-profit, in contrast to many payday loan providers, and we virtually always charge less than payday lenders and other commercial short-term lenders. To see how reasonable our prices are, click here.

Our loans are longer-term than payday loans, which are frequently quite same day loans UK. Can be paid off over a period of up to 18 months, making it easier and more reasonable for you to do so. You are also allowed to make early repayments at any time without incurring penalties, allowing you to pay the least amount of interest.

https://paydayquid.co.uk/

[staygoldsquatchling02]

advice

so, this is going to be a long post and pretty venty, if you have advice its appreciated but i just need to get this of my chest. To make a long story short really quick before I get into it, i think I'm close to cutting off my best friend of two years. If you want to know more keep reading.

In July of 2021 my parents and I decided to move away from our family in Oregon to live with my mom's best friend at the time in Nevada. For the most part it was because we needed a change of scenery and have always gravitated towards the desert having spent a few years in Arizona. The only people we knew at the time here were my mom's best friend, his 24-year-old son, and his mom. we moved in with them so we could get settled and then start looking for a place.

Living with them was hell, my mom's ex best friend was a drunk who treated everyone like trap and didn't have a job, his mom had like twenty cats and the house smelled like cat piss. The drunk spent all his money on booze instead of paying rent including money my family had given him for rent. I had even taken out a payday loan so we wouldn't get kicked out right before Christmas 2021. He was also a narcist and tried to assault my mother multiple times when my father was at work. It sucked to live with them, but I'll come back to it later.

back to friend problem. From the time we got to Nevada, I was looking for work, I finally got a job at the beginning of Augst, and I started working quickly glad to be away from the drunk. Shortly after starting work I met a new employee who was the first person i have met here my age. I introduced myself and started a friendship. We would talk all the time at work, and she was the first person at the job to know I was trans and accept me. (I was out before I just was scared to come out at new job because I didn't know how people would react)

For a while she was just a work friend and then I invited her to go see the Jujutsu Kaisen movie because I had seen it once loved it and thought she would like it. She loved it and started to really get into anime. We also started to hang out outside of work. Going to movies and the mall, just being normal 19-year-olds.

Fast forward to June of 2022, and the drunk I mentioned before had gotten evicted from the house we were staying in. I had to leave work an hour into my shift to help get my important things out of the house right away. My parents, the drunk and I spent the whole day trying to find a hotel to stay in with five dogs, and two cats. When we finally found one, I had to take out another payday loan to pay for it. After two days in the hotel, we had to condense from two rooms to just one. We had to surrender two of our dogs because they didn't get along with the drunks two dogs and that hurt a lot. But me not liking the drunk at all asked my friend if I could stay with her for a bit while we got back on our feet.

She agreed and so I moved into her spare bedroom. Now i wasn't staying there and just leaching off of her I was helping as much as I could. I was buying gas and sending her money every payday to help pay for things. I even door dashed food most nights because with our work schedule it was hard to make food at home. But she wasn't the only one I was helping, I had my own car payment and phone bill to pay so I was paying every month, and I was also giving my parents money for gas and food, because my dad had lost his job and was struggling picking up work.

When I was living with her, she had made multiple comments about how i shouldn't be supporting my parents and how they just needed to suck it up and find jobs. Mind you my mom had just broken her back, not bad enough to paralyze her but still broke her back, she also has preexisting medical conditions that make so she can't work and was in the middle of filling for social security disability. and my dad was helping her and was trying to find work.

there were other things she did that pissed me off, like if she had decided to order food for dinner, she expected me to pay her for my part even though i never made her pay me for buying her food. she would get upset with me if i forgot to close a door in the apartment, not the front door just any door, like to a bedroom or the bathroom.

eventually the things at the hotel with the drunk got really bad. My dad had accepted a job from one of his friends to drive them to Mexico and unfortunately my mom couldn't go because she lost her social security card and so she wouldn't have been able to cross back to the u.s so she stayed at the hotel with the drunk. On the second day my dad was gone I got a call from my mom at like 10pm saying that the drunk had tried to sa her and she was now spending the night sitting outside. she had called my dad and unfortunately, he was in Mexico and couldn't leave till his friends got paid and so he had to spend the night worrying for her. My uncle back in Oregon sent my mom the money for a hotel room so she was safe for the night but that was the final straw for them. When my dad got back the next day having driven straight through not stopping except for gas and food, my parents decided that they were going to drive to Oklahoma because my dad's family has land out there. They asked if I wanted to go but at the time, I just wanted to stay in Nevada where i had a job and was safe being me, knowing that my family in Oklahoma was not friendly towards the lgbtq.

My parents left like two days later and i had a mental break down. It hurt a lot for my parents to be so far away from me. I was raised as family is number one and by not going with them in my head i was abandoning them and vice versa. I was alone, none of my family was even in the same state as me, sure i had my roommate and coworkers to talk to but you have a different connection to family.

About a week after my parents left for Oklahoma, they called to tell me that Oklahoma wasn't going to work because there was no house on the land it was just a field, and they would have to get a mobile home to live there. With the realization it wasn't going to work the decided to go back to Oregon and live with my mom's mom and brother. They asked if I wanted them to come back through Nevada and pick me up on the way there but again, I thought I was better staying with my friend. I told them no and they went back to Oregon without me. This all happened around the middle of August, and I thought i was making the right choices.

When the end of September, the separation anxiety from my parents was becoming too much to deal with and I was struggling in every sense of the word. My job had gone to shit, my managers where fired and they had been like an extra pair of parents to me, one of my coworkers who I also as like a parent or weird uncle was treating me like trash, and money stress was coming up more often with the friend I was staying with because I was still helping my parents with money. So when my parents called again asking if I wanted to go back to Oregon I actually thought about it.

I had told them i had to think about it and talk to my friend about it because I didn't want to just leave her hanging like that, we had been talking about maybe getting a cheaper apartment together. When i told my friend about it she told that i was going to do what i thought was best, but she thought it was dumb. she told me I was only thinking about it because it's my family. She was right in the fact i was thinking about making my family happy, but I was also trying to make a choice that would make her happy.

Eventually I decided it was best for me to go home. I would have my family, and I would be able to see some of my friends from high school as opposed to only having the one friend. the only thing is I had told my parents not to come get me until the end of October. I did this because back in august I purchased tickets to see Panic at the disco with my friend, because they were one of our favorite bands and it would be a once in a lifetime thing. I didn't want to cancel that; it was her first concert and I wanted to experience it with her. I had them wait until the week after the concert to come get me. In the month between my choice and me going home, me and my friend did so much together. We went to rein fair, we went to a Japanese steak house, hell we even went to the only 18+ strip club in Nevada just to say we went. we had fun but we still had tension because i was leaving.

When i left she made me promise to call all the time and text all the time which I did. I tried to make it so at least once a week we spent the whole day on discord playing video games or watching anime. I tried to make it like nothing changed even if we were 800 miles apart. I didn't even realize at the time that I was making all the first moves, i was the one sending the first text I was the one asking if she wanted to do something. looking back at this situation now I'm realizing it wasn't a healthy time but more on that later.

Around a week before Christmas, i had gone out with my friends from high school and had a great time, we had lunch and i bought them each a present for having been good friends through a lot of shit i dealt with in high school. I thought we had a great time, only to find out when i got home they had blocked me on everything. my closest friends from the last six years had cut me off like i meant nothing to them. looking for support and comfort i told my only other friend, the one in Nevada. she acted like she cared that i was broken from it, but she also made comments about how if i had just stayed with her it wouldn't have hurt as bad when they blocked me, that i wouldn't have cared if i was still in Nevada. I agreed with her, but looking back now she was gaslighting me.

Fast forward to the end of January and my grandmother's health is dropping and the apartment we are all staying in is trying to find any reason to kick us out. We talked as a family and decided that it would be best for my grandmother to move to Nevada where there is a better healthcare network, and it would also benefit my mom's health. I was excited to tell, my friend i was coming back and how we could do all the things we talked about doing before, like going to pride, and going to movies again. But when I did finally call and tell her I didn't receive quite the response I was hoping for. here's a brief summary of how it went from her. "Cool I'm glad you're coming back but, what's your plan, are you getting place before you get here, are you looking for work, are you going to live with your family or are you going to live with me. if you live with me know that you can't change your mind in a month." And just a constant stream of questions. I understand that it was valid to ask but then she followed up saying it was dumb to have moved back to Oregon if i was just going to go back in a few months. She was discrediting every response i gave with "well what if your family messes up again, i can't have you move back in with me if you guys do get kicked out." it was like she is expecting my family to fail.

It only got worse when I finally got back. We got a house here in Nevada in March and packed all our stuff and came down. After about a week of being back I had fallen back to old routines of going to hang out with her all the time. I was spending every weekend at her place because I was stressed out at home. My grandma had gotten into town and was immediately taken to the hospital and even now five months later she has spent more time in the hospital than time at home, but that's beside the point. Everyone in my family was stressed the first two months because it was taking a bit of time for me to find work. Spending all my time with my friend had resulted in us coming up with the plan of getting an apartment together because my mental health was crashing living with my family.

We decided that we wanted to find a place by the end of July because that was when my friends current lease would be up. I had found a part time job at the beginning of June and was naive enough to think that it would be enough. so throughout the month of June we looked at places, I thought it was going to work out. I was wrong. As it got closer to July, I realized I wasn't going to have any money to put towards a place, the housing market is shit and a part time job was not enough to even think about getting a place. I had also started taking my adhd medication again that i had been off of for about six months. With my mental state evening out I figured out that moving out was impulsive and not the right choice at the time. Even though I figured it out I was to scared to tell my friend this.

Until one day after we had gone to look at an apartment and she came over to my house to have dinner and talk more about our plans. We spent a few hours in my room, and the whole time I couldn't help but listen to what she was saying and think damn I can't move in with this person. She wasn't talking about us getting a place she was telling me I needed to cut my family off. She told me multiple time in an hour that I needed to get a new phone plan with just me on it and stop paying for my parents phones, mind you i wasn't forced to pay for their phones I offered to get a phone plan with them because it was the easiest thing to do and they were helping me pay for it. She was also telling me that i have to force them to teach me how to drive so she won't be the only one able to drive when we get a place. (I never learned to drive because i had priorities like school and helping raise my niece and nephew.) she then started talking shit about how we use or garage for storage and not for parking our cars, and how my parents need to stop smoking so that then maybe we would have more money for food. Like i will be the first to say yes, my parents need to stop smoking, and yes it would take some stress off of getting money for food but that's not her place.

After she realized I was getting irritated with the conversation she left, and we didn't speak for a week. When we did finally speak again, she called me crying because she didn't want to lose our friendship. I believed her. I thought it was just a call to iron out our feelings. I told her how I felt that I wasn't ready to move out because of my financial situation and my mental health. I told her that i didn't want to move in with her and put her through what she went through with her last roommate. (She had moved out with a friend and two months later the friend just up and left leaving her to deal with the apartment alone.) It sounded like she understood and was grateful for me telling the truth and backing out before we got too deep. or at least i thought she was for a while.

We started talking more and watching anime again. hell, we even joined a discord server about one of our animes and have made some awesome friends online. We talk nearly every day again and I thought things were great until two weeks ago.

One of her friends that she had introduced me to that i get along with invited the both of us to go swimming and of course i agreed, i love swimming and it would be nice to get out of the house. So, we went. While at the pool I had gotten out to go to the bathroom and left them to talk. When i got back to the pool they were talking about my friend's life. they were talking about how my friend is struggling with paying her rent and how she wishes she could find a cheaper place.

The friend we were at the pool with said that her and her fiancé were thinking of moving out of her mom's house because it to crowded and offered to plan to get a place with her. But my friend said no because she has ptsd from roommates bailing on her in the past. I knew she was talking about me but her friend thought she was talking about her first roommate, because we never directly said we were roommates because it was never official. My friend then said it's that and the fact that (op) did the same thing, they left for Oregon and they recently canceled our plans to get a place together. I understand that she may feel like i wronged her in some way but to phrase it that way hurt. she can feel upset but i thought we had moved past it.

Later that same day she told me that i don't talk to her when i have problems, which is true to an extant, i used to talk to her when i had problems with stuff she did but recently I've stopped because if i bring something up she does wrong she throws back at me saying it's my fault in some way. for example we watch anime through discord because it's easier than figuring out how to get to her house with her car broke down and me not driving. As of recently something has been going wrong where audio from her end is patchy and it gets hard to hear her. I've checked everything on my end, I have uninstalled and reinstalled discord, i have checked my headset but everything is fine when I'm not talking to her, audio is fine nothing cuts out. I have told her all of this, but of course she says she has done the same thing and therefore it has to be something on my end, it's my fault that it sounds like she is talking to me from a different room than where her mic and computer are because her headset is full charged and working fine corroding to her computer.

It feels like everything i do is wrong. I even feel that way about my taste in anime at this point. You see I like a very specific type of anime, the ones where the main character is an underdog who either can't do what everyone else can or just hasn't been introduced to the lore of the world yet, who eventually find their place and become strong, but not in a boom you are now the best of the best way but in a here's how to become the best, you have to work for it kinda way. for example, My hero academia, and Jujutsu Kaisen. these are my two favorites; my friend will watch them with me but has to point out every time that all my shows have very similar plots. She has taken it upon herself to have me watch animes that don't fit this profile, for example we just started watching banana fish and don't get me wrong i like to try new things and I'm enjoying it but what i don't like is in the first nine episodes she has made multiple comments about how it's nice to watch something without an underdog main character who has the same energy as a puppy. I understand having separate opinions is normal but constantly point out how she doesn't like the exact same stuff as me is bit much.

I've just been rethinking everything. I realized that i have stopped doing a lot of things i used to because of her. I stopped watching anime on my own, if i want to watch something i always text her and see if she wants to watch it. I stopped talking to one of my other ex-coworkers that i got along with because she doesn't really like her. I've also begun to realize that this is a lot of the same stuff my mom was going through with her Ex best friend. he constantly made her feel bad about things she liked, made her feel bad because she uses weed as pain relief (it's legal here), he hated on her family all the time. I can't help but feel like it's happening to me. She judges what i watch, she judges the fact that i vape (again i know not healthy but my bod my choice), she judges my family (even the ones she has never met) and if i did any of this in return i would be the bad guy. If i told her that i don't like how her dad talks to her, or how i don't like that she pushes me to my breaking point at the gym(not just past my limits but i have nearly passed out at the gym because she thinks that at 300 pounds and never having been to the gym before I can keep up with her 150 pound gym rat self.) she would tell me that I'm being mean and that i hurt her feelings.

My parents have told me multiple time i need to tell her that i feel this way and need to cut contact or at least limit it by a lot, but i don't know how. I don't expect anyone to actually read all of this as it took me almost two hours to right but I just needed to get it off my chest. if she sees it then she will know who she is and probably have a problem but im tired of bottling things up. If you do end up reading this and have advice, please share but for now I'm going to hope I can find a therapist soon to help me with coping mechanisms and get past this.

[paydaymarketloans]

Same Day Loans Online Can Help You with Any Financial Issue

Everyone has heard of bad credit history as a barrier to obtaining a loan. Yes, that is true, but it's also probable that many lenders are willing to aid customers with poor credit at any costs since they take the plight of disabled individuals into account. You can apply for same day loans online based on your needs. Here, one of those goods that are widely available to meet your financial demands is same day loans for people with bad credit.

Due to the lack of a credit check and lenders' lack of use of credit scores, your ability to apply for a same day loans online will not be hindered by the existence of defaults, arrears, CCJs, IVA, bankruptcy, late payments, or foreclosure in your credit profile. However, in order to qualify for a loan, you must be at least 18 years old, a citizen of the United States, employed full-time with a salary of at least $1000 per month, and have an open checking account in your name.

Here, you have the opportunity to easily apply online for same day loans online. You must complete the loan payment by going to the website. After that, you must complete this online application form to send the lender your information with the hope that they would approve your loan. The lender quickly completes the remaining work. When you need the money the most, the loan is transferred into your bank account that same day. This method does not require extensive paperwork or faxes.

Same day loans allows you to obtain loans up to $1,000 without providing the lender with any security. This is a same day funding loans that must be repaid in a matter of 2-4 weeks. Furthermore, you have the ability to use the funds for a variety of financial needs, including paying for household expenses, unexpected medical costs, car repairs, and light and grocery bills.

Quick finance and Same Day Cash Loans  with same-day approval

Quick loans with same day funding, also known as same day cash loans, are short-term loans that can be used to cover unforeseen and urgent expenses. These loans are often subject to state regulation and are not offered in every US state. Information on rapid payday loans and its alternatives can be found on this website.

 There is no need for collateral because same day cash loans are unsecured. Your credit history and source of income are the primary deciding factors. Lenders make their decision regarding whether or not to approve your loan application primarily based on this data.

If your application is accepted, the conditions and interest rate will depend on your creditworthiness; the smaller your chance of defaulting on the emergency cash loans, the better deal you can receive.

Verify your eligibility before applying.

These are the typical criteria that most lenders impose. The lender might need more information or documentation.

Your state has legalised payday loans and cash advances.

You are at least 18 years old.

You are a US citizen or lawful permanent resident.

You can demonstrate that you have a reliable source of income.

You currently have a check account open.

You have a working phone number and email address.

[mousedetective]

Disabled Queer Woman Needs Help...Please Don’t Delete?

Okay. So I’m putting everything in one post so I don’t have to reblog a bunch of them.

I am in serious need of help. I had to take out over $1000 in payday loans to cover various things this month, and then when I took out a $700 loan to help pay those down at an exorbitant rate (when I’m done paying the loan back in a year, I’ll have paid over $3,000 because of the interest) I had to pay off three bills instead. So while I have no regular bills to pay, I still owe the loans.

I also lost my food stamps last month, and it was used to feed myself, my mother and my teenage son. I got $138 a month plus an extra $99 for the pandemic, but that still isn’t enough to feed my son, even though I only have him on weekends. My mother has broken teeth which makes chewing hard, my son is autistic so he has food favorites which are all he wants to eat, and I just want to have a pantry where I can make a meal.

Speaking of my mother, she has to travel all over San Diego to get her broken teeth taken care of. She has four root canals coming up in three separate appointments, plus she has to have an oral surgeon remove the broken teeth/dead roots, and then, eventually, she’ll hopefully get bridges for her missing teeth. She’s also a breast cancer survivor who didn’t get breast reconstruction at the time of her double mastectomy, so she’s getting it now and running into problems with the expander she had put in (one side of her chest inflates, but the side that was radiated isn’t inflating more than what it already has no matter what they do so she has to have a flap surgery, which means she stays overnight for that appointment). We have to go to Solana Beach from Fallbrook every week for them to expand her other side so we need gas money/gas cards for that, and I need to get Uber gift cards to get her to and from the hospital for the surgery/surgeries since I don’t drive.

And regarding my son, his adoptive family is...not the nicest (his adoptive mother is looking into putting my son in a group home, even though he’s 18). They make us travel from Fallbrook to Old Town Transit Center twice a week to pick my son up for weekend visits and then drop him off. It takes us half a tank of gas each trip, so that’s $40 (not counting food) to have him for the weekend. And he’s so miserable at home (his highlight is three group therapy/day trip with other people like him vists a week) and he begs to come stay with us every week. L, his adoptive mother, offers no help with gas, food or clothes (he comes in one outfit and is expected to go home in a clean one that he didn’t come to my home in). So I need at least $40 a week for that, like I said, not counting food and clothes.

I am drowning in debt and stress. I need so much help and I don’t know what to do. I beg for help and sometimes I get lucky but most often I don’t and friends need to step in, but they can’t always help. I can’t keep doing payday loans and I need to get rid of that $700 as swiftly as possible, which if I can pay it in full on the 3rd will be $1,000 with fees.

These are the ways I can accept monetary payments:

PayPal - afteriwake23@gmail.com

Cashapp - $afteriwake23

Venmo - @penaltywaltz

I also have an Amazon Wishlist to help with things we need now, things we need when my mom goes to surgery and other things we need in the future. I need one box of cat litter and some of the jasmine tea now (I can’t drink soda, it makes me sick, so I drink a lot of tea), and anything else anyone can help with. It’s located at https://www.amazon.com/hz/wishlist/ls/2IYLMSXNYF5HY?ref_=wl_share.

Please help if you can, or reblog if you can’t. I don’t know what else to do. I reblog posts for anyone in need and I hope people will return the favor and reblog this while I’m in need. Thank you and may you be blessed today.

[cash-app-loan-2022]

What Ways Can I Borrow Money From Cash App Online?

If there are times when you need an advance before you get your paycheck, Cash App loan money could be a lifesaver. After all, sending and receiving money from the peer-to-peer payment service is so simple. The good news is, Cash App has rolled out a Borrow feature to a limited number of users. Here’s everything you need to know to find out if you’re eligible for a Cash App loan.

Does Cash App Let You Borrow Money?

Yes, Cash App makes loans of $20 to $200, according to a 2020. Cash App tested the Borrow feature with a limited roll-out to 1,000 users. While the company hasn’t disclosed the status of that testing, the app does note that Borrow is still not available to all customers.

Whether or not a particular customer can use the feature depends on:

The state you live in

Whether you have an activated Cash Card

Your Cash App usage history

Your credit history

Noted that loans funded quickly and required you to pay them back in four weeks or less. But carrying a balance so long can add up — at the time Cash App reportedly charged a 5% flat fee to borrow, plus another 1.25% per week after the grace period.

A Better Way to Bank

As long as you go into it knowing that a Cash App Borrow loan is best for quick repayment, the new tool — if it’s available to you — could be helpful when you’re short on cash.

How To Borrow Money From Cash App Borrow

As mentioned, Cash App Borrow isn’t available to everyone yet. The only way to know if it’s available to you is to check. Follow these steps to find out if you can borrow money from Cash App, and if so, how to do it:

How To Use Cash App Borrow

Open Cash App.

Tap on your Cash App balance located at the lower left corner.

Go to the “Banking” header.

Check for the word “Borrow.”

If you see “Borrow,” you can take out a Cash App loan.

Tap on “Borrow.”

Tap “Unlock.”

Cash App will tell you how much you’ll be able to borrow. Select an amount.

Select your repayment plan.

Read the user agreement.

Accept your Cash App Borrow loan.

Is Cash App Safe?

It’s too soon to analyze how safe a Cash App loan application is, but the Cash App platform itself is secure. Cash App safeguards your personal information and your money in a few ways:

The app integrates with your smartphone’s screen lock, where PIN entry, Touch ID, passcode or facial recognition add an extra layer of protection if your phone is lost or stolen.

You can disable your Cash App card if you’ve misplaced it or for extra security.

You can set up email, text or push notifications to help you monitor your activity and warn you of unusual account usage.

A Better Way to Bank

What Other Ways Can You Borrow Money Online?

Having access to fast cash can make all the difference when you need money. Most people turn to the funds in an emergency savings account, borrow from loved ones or charge the expense to their credit card.

Fast-cash loans have their drawbacks, such as getting you into personal or credit card debt or charging high fees. While Block (formerly Square) continues rolling out Cash App loans, consider the following alternative lending options to get the money you need quickly.

Oportun

Oportun provides an “affordable alternative to payday loans” and may be best suited for borrowers with no credit history or bad credit. You can borrow between $300 and $10,000 for up to 48 months. Oportun caps its annual percentage rate at 35.99%.

LendingClub

You can borrow between $1,000 and $40,000 through LendingClub. Once you establish a track record with LendingClub, you can borrow as many loans as you want at one time as long as they don’t total more than $50,000.

LendingClub charges a 3% to 6% origination fee for each loan. You’ll have up to five years to repay the loan in full, but don’t take too long — you’ll pay an annual percentage rate of 7.04% to 35.89%.

A Better Way to Bank

Final Take

A Cash App Borrow loan seems like a good option for a short-term loan for a few bucks — if you’re eligible. When considering other online lending options, evaluate the cost of borrowing money as well as the lender’s terms for repayment.

Most online lenders claim they’ll provide cheaper loans than a payday loan, but the loans are still pretty expensive if you don’t pay the balance off quickly. Be sure to fully understand what you’re signing up for and whether you can really afford to borrow.

[loansprofitgb]

When taking out Payday Loans no Debit Card UK keep your money in savings Quick Lenders

Who in today's society needs a quick fix for their financial issues? Loans are becoming a more common choice, and payday loans no debit card UK payments are now available all over England. Read on to find out how to acquire the proper amount of money to supplement your monthly income or help with any unforeseen bills that arise if you have a chronic illness or have been in an accident.

Your disability payments will cover all of your necessary living expenses if you become disabled.

If you live below a specific level and are disabled, you are eligible to receive payday loans no debit card UK. Depending on factors including whether your impairment is physical or mental, you may be eligible for either the personal independence payment (PIP) or employment and support allowance (ESA).

Holidays and second houses are not covered by disability benefits.

These are the standard benefits of the system for disability benefits. If your child is under 18, even if you apply for ESA, it will not pay for their living expenses. This type of social security coverage is not available to you until you earn over 500 GBP.

Normally, filing for disability takes months; by applying immediately, money might be in your account quickly.

Disability applicants may be tempted to put off applying for no debit card payday loans from the pension system in favor of welfare payments, but this could lead to issues. This includes a candidate insisting on accepting a position and then requesting a disincentive payment when they lose it as a result of difficulties at work.

Which disability benefit is best for you depend on the distinctions between Employment and Support Allowance and Personal Independence Payment?

To help you determine which type of disability benefit best fits your needs, we'll break down the distinctions between applying for Personal Independence Payment and Employment and Support Allowance in this article.

Take use of the benefits to which you are entitled as a disabled person to get more value for your money.

Unexpected things do happen rather frequently. Despite our best efforts and measures, things can nevertheless go wrong from time to time. And when disasters occur, disability benefits may slip through the cracks while you are struggling to make ends meet to afford private health insurance. Just be aware that there are additional payday loans for disability benefits UK for handicapped individuals in England with national health care coverage, whether it's an often postponed trip to the dentist or something more serious.

You must first determine your eligibility before applying for payday loans on benefits UK, whether it is a payday loan or a personal loan from your bank. You must be over 18 and a resident of the UK in order to apply for disability loans UK. Additionally, lenders need that you fulfill a number of other requirements, such as providing three years of address verification and maintaining an open bank account. By selecting "find out more" below, you can read more about each of our eligibility requirements.

https://loansprofit.co.uk/

[commanderfirebreathingbitchqueen]

How Do Wage Payments Are Determined?

In a labor dispute, the employer should always try to keep a consistent and fair Manner of Wage Payments. There are many reasons that an employee would receive a wage cut. However, there are not just one reason but many reasons why an employee would receive a wage cut: advocaat arbeidsrecht Tilburg. Therefore, an employer who is having a labor dispute should try to determine the real reason behind these cuts.

The first reason that an employee would receive a wage cut is if he was not paid properly during the holiday season. If the employer fails to pay his workers properly during this period, then the collective bargaining agreement will deal with the employer to deduct a certain amount of money from the wages due to each of the workers. For example, if the wages due to six employees were collectively reduced to $6, 193 (1) (two-hundredths) then the collective bargaining agreement may require the employer to deduct six hundred dollars from the employees' wages.

The second reason that an employee would be incorrectly paid is if he receives a wage supplement rather than a full wage. Sometimes an employer will pay part of the employees' salary in order to attract a better worker. If you are a member of a company's bargaining team, then you should never feel pressured to accept a lesser wage rate. Instead, tell your bargaining team that you will refuse to accept any lesser wage rate and that you will only accept a full wage. This will show your fellow team members that you are confident and will stand your ground.

The third reason that your employer must pay the advertised amount is if the payroll clerk or an employee debit card system does not accurately deduct the correct amount of wages from your paycheck on a regular and consistent basis. In other words, if the payroll clerk or debit card system does not process your payroll check on a calendar days basis, then your employer must pay the appropriate amount of money on the specified date. Your employer may be tempted to circumvent this rule by paying your check late, but this is not a good way to handle situations such as these. If you do receive a notice of default, then you must take action in order to prevent the employer from going forward with their plan to deduct your wages under false pretenses. You should also ask your union representative or attorney to help you challenge this tactic.

One more reason that new does not have any laws requiring an employer to pay their employees for regular and consistent hours worked, is because an employee must be hired for which they are hired: arbeidsrecht advocaat Maastricht. If an employee is hired on a temporary basis, then they are not actually entitled to those same wages as someone who has been continuously employed for a period of time. In other words, someone who has been working for a year and a half, would not be entitled to the same wages as someone who has just started working. In addition to this, if you become disabled or retire, your entitlement to benefits may end at that time as well.

The next consideration is that an employer must notify their employees of any wage increase that may occur. This notification will come in the form of a wage rate increase notice. The employer must also explain the new rate and provide an amount by which their employees will be affected by that increase. If the employee does not believe that the increase is fair, then they should take this issue up with the Employment Relations Authority (ERO). The employer can only reach the maximum number of days that they are allowed to delay this notice. The last thing an employee wants to do is to reach the maximum number of days allowed before the EO takes effect.

Once again, regular and consistent wages earned are key factors when it comes to receiving Eoi. If you have consistently earned above the minimum wage, then you have been awarded the benefit of an increase to your regular pay rate. If you have not, then the determination of your regular pay rate is based on the amount of regular wages earned. However, the same rule applies as those who have reached the maximum limit. Therefore, if you believe that you have been unfairly denied the benefit of an increase to your regular wages, then you should contact the Employment Relations Authority.

Employers are required to pay wages for all workers, including part-time, temporary, contract, and voluntary workers. Part-time, temporary, contract, and voluntary workers do not all receive the same benefits: advocaat arbeidsrecht Eindhoven. For instance, an employer must pay wages for an additional twenty-five dollars per hour for a part-time student, but they do not have to pay wages for students who clock at least one thousand hours per year. In addition, there are some exceptional circumstances that can affect how much an employee earns. If you think that you have been unfairly denied an increase in your regular payday loan amount, then you should contact the Employment Relations Authority.

[sourabhdubey007]

How To Use Calculator Plugin in WordPress Part 2

Stylish Cost Calculator

 You might be interested in upgrading your plugin using experience, skyrocketing conversions while maintaining a clean, stylish website? With Stylish Cost Calculator, Now you can build an attractive instant quote on your website with the help of Stylish Cost Calculator, and without coding.Now your users can visualize the cost of your products or services while they’re browsing your site. The Stylish Cost Calculator is completely customizable – you can add sliders, dropdowns & checkboxes that your customers can then utilize by inputting their own unique information to receive a customized quote (which can easily be printed or sent to an email address).

BENEFITS

Quote Generator which Give Instant Quotes

Convert every visitor to confirmed lead

Bring clarity to your business’ pricing

Make your site look modern

Language Translation & Global Currencies

Features

GDPR Compliant: this plugin does not store customers’ information.

Automatic Currency Conversion

Language Translation

One-Click Templates

Woocommerce Integration

Branded Invoices– The only price calculator that displays an itemized (detailed list) view for your users.

Customized Email Estimate Form-New: You can brand and customize the email estimate form with disclaimer notes, logos, banners and more.

Bulk Discount / Price Break-The only cost calculator with a bulk discount feature! If you give your customers a price break when they purchase more, then this price estimator can do it for you.

User friendly back-end-Unlike other WordPress Cost Calculators that make you enter in math and variables and make you use confusing WordPress widgets to build your first cost calculator, our plugin is all managed in one simple back-end panel.

Pay with Paypal (Premium users only). You can now accept Paypal payments with your calculator.

Drag & Drop

Use the drag and drop feature to organize your items with your calclator.

Coupons (Premium users only). Generate coupons and discounts for your users.

Customization– Easily change your font size, colour and font style. You also have the option of changing the colour of your titles, sliders, checkboxes and drop-down menus.

Shortcodes-Other WordPress Cost Calculators are hard to install on the page. However, with Stylish Cost Calculator, you can just copy and paste the given short-code into any page.

Animation– Your website will look modern and professional with some of the animated features we offer. Example: when users click on a checkbox or radio button. You may choose to turn this off.

PVB Contact Form 7 Calculator Add-on

All thanks to PVB Contact Form 7 Calculator. Now contact form 7 can easily be converted to a calculator, its all because of PVB Contact Form 7 Calculator. Calculated fields are based on user input and selections in other parts of the form. The plugin can be used for creating various types of calculators, such as an ideal weight calculator, calorie calculator, quote calculator for hotel booking, car rental quote calculator, mortgage calculator, tax calculator, finance calculators, date calculator, etc. 

Features

Easy use

Support all mathematical formulas

Creating forms with automatically calculated fields

Multi Total field

Add radio price field

Add checkbox price field

Add select price field

Cross browser’s compatible

Custom format total field

Finance calculators

Quote calculators

Booking cost calculators

Add one or more calculated fields

Hide calculated field and only send email

One-click import demo

Forminator Payment, Quiz and Contact Form Plugin

Forminator is your completely free and completely expandable form builder plugin for WordPress. It’s the easiest way to create any form – from contact forms and feedback widgets to interactive polls with real-time results, buzzfeed-style “no wrong answer” quizzes, service estimators, and registration forms with payment options including PayPal and Stripe. Once Forminator is installed and activated, refer to this guide for help configuring and managing the plugin. Use the Index on the left to quickly locate usage guidance on specific features. Things that the plugin adds to the site. This section is not intended to be comprehensive. The test tool only looks for a few specific types of added content. A quick search of the WordPress plugin repository and you will find 9,000 form plugins available. That is a lot! Forminator was released almost a year ago and although it is the new kid compared to other popular plugins, it brings some powerful features to any WordPress site.  Quiz and Contact Form is prone to multiple vulnerabilities, including cross-site scripting and SQL injection vulnerabilities. Exploiting these issues could allow an attacker to execute arbitrary script code in the browser of an unsuspecting user in the context of the affected site, allowing the attacker to steal cookie-based authentication credentials, or to compromise the application, access or modify data, or exploit latent vulnerabilities in the underlying database.

Features

Registration forms with upgrade packages

Sell a tee shirt with size, color, price, and tax variations

Add a BMI and/or calorie intake calculator to your health and fitness blog

Embed a loan calculator into your finance site

Give a midwife a due date calculator

Insta-quote or service estimator

Put an ROI calculator on your agency site

WooCommerce Royal Mail Shipping Calculator

Royal Mail is a postal service and courier company based in the United Kingdom. It can be used for delivery services within the UK as well as to international destinations. If you have an online store based in the UK and you use GBP (Great Britain Pound) as the store currency, you can use Royal Mail. WooCommerce Royal Mail Shipping Calculator is a WordPress Plugin that integrates the Royal Mail service, it will calculate the shipping cost and the delivery time for your customer. To use this plugin, your store must use GBP currency and have the United Kingdom as the base country, and your products need to be set up with weights and shipping dimensions. If you sell small-sized items, you can always enable the letters option to save your customers high shipping prices and increase sales.

Features

Domestic Parcel Shipping– All of domestic shipping options are supported. You can anytime, disable/enable one or all of these options.

International Shipping– A wide range of international shipping options are supported.

Parcelforce Shipping-Do you need to ship parcels internationally with the Express service of Parcelforce? No worries. Our plugin supports most of the Parcelforce options

Letters Shipping-If you sell small-sized items, you can always enable the letters option to save your customers high shipping prices and increase sales. Supports letters options

Handling Fees and Discounts– If either you need to add a handling fee for your shipping order, or if you want to reduce the shipping costs for your customers. We set an option for that where you can add an amount value to reduce or increase the shipping cost. The value can be either a number or a percentage, positive for handling fees and negative for discounts.

Display the Cheapest options– Cut to the Chase and provide the cheapest option to your customers without putting them in the hustle of choosing from many options.

Default Size and Weight-In case you don’t want to add weight and dimensions for all of the products you have or even you missed adding this information to one of them. The plugin allows you to set a default weight and dimensions of your product in case of the product’s information is missing.

Debug Mode– The debug mode is an excellent tool to test out the plugin’s settings and shipping prices as the plugin will be only activated for you. Also, it will display debugging information at the checkout page if the Debug Mode is enabled.

Loan Repayment Calculator and Application Form

This is an example of the Loan Application Form. It’s an option on the Pro version of the plugin (only $35 so cheap as chips). Ideal for payday loans, fixed-fee payments, regular payments, savings, comparisons and pretty much anything else that gets calculated from a variable amount and term. Possible WordPress forms can be home loan calculators, savings calculators, mortgage calculators and many more. It is GDPR compliant. If you want to store their details there is a consent option. This is going to be quite important in Europe with GDRP and Privacy legislation now in force. Bespoke versions are available for bank comparisons, quotes, full loan applications and so on. All applications are saved in the database and accessed from your dashboard by clicking on the ‘Applications’ link. If consent is not given after processing you have the option to delete individual applications or download the data as an email report. You can also track progress, You now have the option to monitor how many people will in your form and update the status of applications. See here for more details.You can now have a full loan application form on your site. It comes in two parts: the initial lead generator (to capture their details) and then the loan application where you get all their financial details.

Features

Ultra lightweight – under 5kB

Any currency

Multiple interest rates: fixed, simple, compound and amortization

Set the max, min, initial and step values on the sliders

Set the term to days, weeks, months or years

Set interest rate changes with period and amount tiggers

Select from a range of different outputs

Change the labels on all outputs

Style borders, colors and backgrounds

GDPR compliant

The post How To Use Calculator Plugin in WordPress Part 2 appeared first on The Coding Bus.

from WordPress https://ift.tt/3d0LSjw via IFTTT

[arplis]

Arplis - News: When Medical Debt Collectors Decide Who Gets Arrested

This story was originally published by ProPublica, a nonprofit newsroom that investigates abuses of power. Sign up for ProPublica’s Big Story newsletter to receive stories like this one in your inbox as soon as they are published. On the last Tuesday of July, Tres Biggs stepped into the courthouse in Coffeyville, Kansas, for medical debt collection day, a monthly ritual in this quiet city of 9,000, just over the Oklahoma border. He was one of 90 people who had been summoned, sued by the local hospital, or doctors, or an ambulance service over unpaid bills. Some wore eye patches and bandages; others limped to their seats by the wood-paneled walls. Biggs, who is 41, had to take a day off from work to be there. He knew from experience that if he didn’t show up, he could be put in jail. Before the morning’s hearing, he listened as defendants traded stories. One woman recalled how, at four months pregnant, she had reported a money order scam to her local sheriff’s office only to discover that she had a warrant; she was arrested on the spot. A radiologist had sued her over a $230 bill, and she’d missed one hearing too many. Another woman said she watched, a decade ago, as a deputy came to the door for her diabetic aunt and took her to jail in her final years of life. Now here she was, dealing with her own debt, trying to head off the same fate. Biggs, who is tall and broad-shouldered, with sun-scorched skin and bright hazel eyes, looked up as defendants talked, but he was embarrassed to say much. His court dates had begun after his son developed leukemia, and they’d picked up when his wife started having seizures. He, too, had been arrested because of medical debt. It had happened more than once. Judge David Casement entered the courtroom, a black robe swaying over his cowboy boots and silversmithed belt buckle. He is a cattle rancher who was appointed a magistrate judge, though he’d never taken a course in law. Judges don’t need a law degree in Kansas, or many other states, to preside over cases like these. Casement asked the defendants to take an oath and confirmed that the newcomers confessed to their debt. A key purpose of the hearing, though, was for patients to face debt collectors. “They want to talk to you about trying to set up a payment plan, and after you talk with them, you are free to go,” he told the debtors. Then, he left the room. The first collector of the day was also the most notorious: Michael Hassenplug, a private attorney representing doctors and ambulance services. Every three months, Hassenplug called the same nonpaying defendants to court to list what they earned and what they owned — to testify, quite often, to their poverty. It gave him a sense of his options: to set up a payment plan, to garnish wages or bank accounts, to put a lien on a property. It was called a “debtor’s exam.” If a debtor missed an exam, the judge typically issued a citation of contempt, a charge for disobeying an order of the court, which in this case was to appear. If the debtor missed a hearing on contempt, Hassenplug would ask the judge for a bench warrant. As long as the defendant had been properly served, the judge’s answer was always yes. In practice, this system has made Hassenplug and other collectors the real arbiters of who gets arrested and who is shown mercy. If debtors can post bail, the judge almost always applies the money to the debt. Hassenplug, like any collector working on commission, gets a cut of the cash he brings in. Crystal Dyke with her husband and two kids outside their home in Leroy, Kansas. She was arrested when she was pregnant because she missed hearings involving a $230 radiologist bill. Across the country, thousands of people are jailed each year for failing to appear in court for unpaid bills, in arrangements set up much like this one. The practice spread in the wake of the recession as collectors found judges willing to use their broad powers of contempt to wield the threat of arrest. Judges have issued warrants for people who owe money to landlords and payday lenders, who never paid off furniture, or day care fees, or federal student loans. Some debtors who have been arrested owed as little as $28. More than half of the debt in collections stems from medical care, which, unlike most other debt, is often taken on without a choice or an understanding of the costs. Since the Affordable Care Act of 2010, prices for medical services have ballooned; insurers have nearly tripled deductibles — the amount a person pays before their coverage kicks in — and raised premiums and copays, as well. As a result, tens of millions of people without adequate coverage are expected to pay larger portions of their rising bills. The sickest patients are often the most indebted, and they’re not exempt from arrest. In Indiana, a cancer patient was hauled away from home in her pajamas in front of her three children; too weak to climb the stairs to the women’s area of the jail, she spent the night in a men’s mental health unit where an inmate smeared feces on the wall. In Utah, a man who had ignored orders to appear over an unpaid ambulance bill told friends he would rather die than go to jail; the day he was arrested, he snuck poison into the cell and ended his life. In jurisdictions with lax laws and willing judges, jail is the logical endpoint of a system that has automated the steps from high bills to debt to court, and that has given collectors power that is often unchecked. I spent several weeks this summer in Coffeyville, reviewing court files, talking to dozens of patients and interviewing those who had sued them. Though the district does not track how many of these cases end in arrest, I found more than 30 warrants issued against medical debt defendants. At least 11 people were jailed in the past year alone. With hardly any oversight, even by the presiding judge, collection attorneys have turned this courtroom into a government-sanctioned shakedown of the uninsured and underinsured, where the leverage is the debtors’ liberty. The courtroom where Hassenplug and other collectors administer “debtor’s exams.” Seated at the front of the courtroom, Hassenplug zipped open his leather binder and uncapped his fountain pen. He is stout, with a pinkish nose and a helmet of salt and pepper hair. His opening case this Tuesday involved 28-year-old Kenneth Maggard, who owed more than $2,000, including interest and court fees, for a 40-mile ambulance ride last year. Maggard had downed most of a bottle of Purple Power Industrial Strength Cleaner, along with some 3M Super Duty Rubbing Compound, “to end it all.” His sister had called 911. Maggard took his seat. He had cropped red hair, pouchy cheeks and mud-caked sneakers. “The welfare patients are the most demanding, difficult patients on God’s earth,” Hassenplug told me, with Maggard listening, before launching into his interrogation: Are you working? No. Are you on disability? He was diagnosed with schizoaffective disorder, bipolar type, and anxiety. Do you have a car? No. Anyone owe you money you can collect? I wish. They had been here before, and they both knew Maggard’s disability checks were protected from collections. Hassenplug set down his pen. “Between you and me,” he asked, “you’re never going to pay this bill, are you?” “No, never,” Maggard said. “If I had the money, I’d pay it.” Hassenplug replied, “Well, this will end when one of us dies.” Though debt collection filings are soaring in parts of America, Hassenplug speaks with pride about how he discovered their full potential in Coffeyville long before. A transplant from Kansas City, he was a self-dubbed “four-star fuck-up” who worked his way through law school. He moved to Coffeyville to practice in 1980 and soon earned a reputation as a hard ass. He saw that his firm, Becker, Hildreth, Eastman & Gossard, hadn’t capitalized on its collections cases. The lawyers didn’t demand sufficient payments, and they rarely followed up on litigation, he said. Where other attorneys saw petty work, Hassenplug saw opportunity. Kenneth Maggard at his home. “Blaze,” painted below, is his son’s name. Hassenplug started collecting for doctors, dentists and veterinarians, but also banks and lumber yards and cities. He recognized that medical providers weren’t being compensated for their services, and he was maddened by a “welfare mentality,” as he called it, that allowed patients to dodge bills. “Their attitude a lot of times is, ‘I’m a single mom and … I’m disabled and,’ and the ‘and’ means ‘the rules don’t apply to me.’ I think the rules apply to everybody,” he told me. He logged his cases in a computer to track them. First with the firm and later in his own practice, he took debtors to court, and he won nearly every time; in about 90% of cases nationally, collectors automatically win when defendants don’t appear or contest the case. Hassenplug didn’t need to accept $10 monthly payments; he could ask for more, or, in some cases, even garnish a quarter of a debtor’s wages. His fee was, and often still is, one-third of what he collects. He asked the court to summon defendants, over and over again. It was the judge’s contempt authority that backed him, he said. “It’s the only way you can get them into court.” The power of contempt was originally the power of kings. Under early English rule, monarchs were considered vicars of God, and disobeying them was equivalent to committing a sin. Over time, that contempt authority spread to English courts, and ultimately to American courts, which use it to encourage compliance with the judicial system. There is no law requiring that a court use civil contempt when an order isn’t followed, but judges in the U.S. can choose to, whether it’s to force a defendant to pay child support, for example, or show up at a hearing. A person jailed for defying a court order is generally released when they comply. When Casement took the bench in 1987, after passing a self-study exam, he didn’t know much legalese — he had never been in a courtroom. But attorneys taught him early on that the power of contempt was available to him to punish people who ignored his orders. At first, Casement could see himself in the defendants. “I was a much more pro-debtor aligned judge, much more sympathetic, much less inclined to do anything that I thought would burden them,” he told me. “And over the years, I’ve gradually moved to the other side of the fulcrum. I still consider myself very much in the middle, and I don’t know if I am or not.” Once a bustling industrial hub, Coffeyville has a poverty rate that is double the national average, and its county ranks among the least healthy in Kansas. Its red-bricked downtown is lined with empty storefronts — former department stores, restaurants and shops. Its signature hotel is now used for low-income housing. “The two growth industries in Coffeyville,” Hassenplug likes to say, “are health care and funerals.” A shuttered motel in Coffeyville. The town, once a bustling industrial hub, now has a poverty rate more than double the national average. Coffeyville Regional Medical Center is the only hospital within a 40-mile radius, and it reported $1.5 million in uncollectible patient debt in 2017. A nonprofit run in a city-owned building, the hospital accounts for the vast majority of medical debt lawsuits in the county — about 2,000 in the past five years. It also accounts for the majority of related warrants. Account Recovery Specialists Inc. handles its collections, and it does so for hospitals in most Kansas counties. Though the hospitals can direct ARSI and its contracted attorneys to tell judges not to issue warrants, hardly any have. The Coffeyville hospital’s attorney, Doug Bell, said that its only motivation is to continue to serve the area, and that Kansas’ decision to not expand Medicaid under the Affordable Care Act has had a “dramatic effect on the economic liability of small rural hospitals.” Three nearby hospitals in this rural region have closed in the past several years, meaning ambulances make more trips. A half-hour from Coffeyville, Independence runs its ambulance service at about a $300,000 annual loss. Its bills were at the root of four arrests this year alone. Derek Dustman, who is 36 and works odd jobs, had been driving a four-wheeler when he was hit by a car and rushed to the hospital. Though he was sued for not paying his $818 ambulance bill, he didn’t have a license to drive to the courthouse. This spring, he spent two nights in jail. “I never in a million years thought that this would end with jail time,” he told me. For years, Hassenplug has requested that the judge issue warrants on the ambulance service’s behalf. When I asked Lacey Lies, the city’s director of finance, if she ever considered telling him not to resort to bench warrants, she was puzzled. “You’re saying an attorney with no teeth?” A city ambulance in Independence, Kansas. Hassenplug represents the service against its debtors. The first time Tres Biggs was arrested, in 2008, he was dove hunting in a grove outside Coffeyville. It had been just a year since his 6-year-old son Lane was diagnosed with leukemia, and Biggs watched him breathe in the fresh air, seated on a haybale under an orange sky. When a game warden came through to check hunting permits, Biggs’ friends scattered and hid. He wasn’t the running type, and he took Lane by the hand. The warden ran Biggs’ license. There was a warrant out for his arrest. Biggs asked a friend to take Lane home and crouched into the warden’s truck, scouring his memory for some misstep. The last few years had been a blur. His wife, Heather, had quit her job as a babysitter to care for their son. Then, she got sick. Some days, she passed out or felt so dizzy she couldn’t leave her bed. Her doctors didn’t know if the attacks were linked to her heart condition, in which blood flowed backward through a valve. To provide for his wife, son and two other kids, Biggs worked two jobs, at a lumber yard and on construction sites. He didn’t know when he would have had time to commit a crime. He’d never been to jail. As he stared out the window at the rolling hills, his face began to sweat. He felt his skin tighten around him and wondered if he would be sick. The warrant, he learned at the jailhouse, was for failure to appear in court for an unpaid hospital bill. Coffeyville Regional Medical Center had sued him in 2006 for $2,146, after one of Heather’s emergency visits; neither of his jobs offered health insurance. In the shuffle of 70-hour workweeks and Lane’s chemotherapy, he had missed two consecutive court dates. He was fingerprinted, photographed, made to strip and told to brace himself for a tub of delousing liquid. His bail was set at $500 cash; he had about $50 to his name. Coffeyville Regional Medical Center is the only hospital within a 40-mile radius. His friend bailed him out the next morning, but at the bond hearing, the judge granted the $500, minus court fees, to the hospital. Biggs compensated his friend with a motorboat that a client had given him in exchange for a hunting dog. But it wasn’t long before the family received a new summons. In 2009, a radiologist represented by Hassenplug sued them for $380. Some court hearings fell on days when Lane had treatment, at a hospital in Tulsa, an hour south. Heather refused to postpone his care. Lane’s condition was improving — in a year, he would be cancer-free — and his dirty blond hair was sprouting again. Her health, though, had taken a turn. She began having weekly seizures, waking up on the floor, confused about where their Christmas tree had gone or why a red Catahoula puppy was skidding around their ranch house. Her doctors concluded she had Lyme disease, which was affecting her nervous system and wiping her short-term memory. Each time she woke up, she repeated: “Don’t take me to the hospital.” Biggs was still on the hook for the bill that had landed him in jail; bail had covered only part of it, and the rest was growing with 12% annual interest. The hospital had garnished his wages, and the radiologist had garnished his bank account, seizing contributions that his family had raised for Lane’s care. Living on $25,000 a year, Biggs couldn’t afford to buy insurance. His family was on food stamps but didn’t qualify for Medicaid, a federal insurance program for people in poverty. Other states were about to expand it to cover the working poor, but not Kansas, which limited it, for families of his size, to those who earned under $12,000. Like millions of others across America, he and Heather fell into a coverage gap. By 2012, the Biggs family had accrued more than $70,000 in medical debt, which it owed to Coffeyville Regional Medical Center and other hospitals, pediatricians and neurologists. Some forgave it; others set up lenient payment plans. Coffeyville’s was the only hospital that sued. The doctors who took them to court were represented by Hassenplug. Tres Biggs with his wife, Heather, and son, Lane, at their home. Biggs began to panic around police, haunted by the fear that at any moment, he might be locked up. That spring, outside the Woodshed gas station, he spotted a sheriff’s deputy who was also an old friend. To shake off his dread, he asked the friend to run his license. The deputy found another warrant, signed by Casement, involving the $380 radiologist’s bill. “You’re not really going to take me in, right?” Biggs remembers asking. The deputy said he had no choice. Bail, as usual, was set at $500. The family filed for bankruptcy, a short-term fix that erased their debt but burdened them with legal fees. They lost their home and started renting. Biggs ultimately got a job that offered insurance, as a rancher, covered by Blue Cross Blue Shield. But it required Biggs to pay the first $5,000 before it covered medical expenses. When chest pain hit him as he worked cattle in the heat, and he began vomiting, the only nearby hospital was Coffeyville’s. In 2017, the hospital sued again. It was the family’s sixth lawsuit for medical debt. Sitting in Casement’s courtroom this July, Biggs calculated that he was losing about $120 by taking time off from work to attend this hearing. “I haven’t received a bill,” he told me, slouched over his turquoise shorts. “The only thing I received was this summons.” Around noon, he finally sat down with an ARSI representative, who explained that the underlying bill had been garnished from his wages, but he still owed $328 in interest and court fees. He had another couple thousand dollars in collections for separate bills he hadn’t paid, for which he hadn’t yet been sued. He said the most he could afford to pay, every two weeks, was $12.50. Before the end of the Tuesday docket, Casement returned to the courtroom to read off the names of the hospital’s defendants. Five had failed to show up for contempt citations, to give their reasons for missing their debtor’s exams. Casement saw that two of the no-shows hadn’t been properly notified of the hearing, so attorneys would need to try to reach them again. The judge read the names of the other three defendants and told the hospital’s collections lawyer, “That would be a bench warrant if you want it.” The following morning, I was reading court files in the clerks’ office when Christa Strickland arrived at 10:20 in flip-flops and black leggings, her caramel hair wrapped in a bun atop her head. She ran her finger down a docket on the bulletin board and asked why her case wasn’t listed. When the clerk pulled up her file, she told Strickland that her contempt hearing had been on Tuesday and she was one day late. “You need to call the law office of Amber Brehm,” the clerk insisted, referring to ARSI’s contracted lawyer, who represents the hospital. She handed over the phone number. Strickland sat on a hard bench and took out her cellphone. She had saved the hearing in the wrong day on her calendar, but she had taken the day off from work and wanted to clear up the misunderstanding. “I had a court date,” she said when a man answered at the law office. “I thought it was today but apparently it was yesterday. I’m just needing to see if I can set something up?” “By not appearing at that, the court would be in the process of issuing a bench warrant,” he said. “What does that mean?” Strickland asked, shaking her head. “You don’t know what a bench warrant means?” he asked. “That means you will be arrested and taken to jail and ordered to post bond.” “Oh my God.” Strickland squeezed her eyes shut, wetness smudging her mascara. She poked at her cheek with her index finger. Her father was a preacher. She’d never been in trouble with the law. She had made a mistake, she tried to explain. She wanted to make an arrangement to pay. The Coffeyville courthouse. The man on the phone told her that it might take a couple weeks before the court processed her warrant paperwork, which the law office had not yet submitted. Once the judge issued the warrant, she could turn herself in. Strickland wanted to scream, I’ll pay the bill, don’t make me go to jail! but she didn’t have the money. Instead, she looked at the ceiling and asked: “Turn myself into the court? The police station?” “The Sheriff’s Department,” he responded. “They’re here in the same building,” she said. “I won’t leave here until I get this figured out. Thank you!” She hung up. Prick, she muttered to herself. You’re going to talk to me like I’m a freaking idiot? That’s not okay. Educate me. The court has to process it? Her mind kept moving in circles. She herself worked in debt collection, for an auto title lending company. She understood that everyone was doing their job. Still, she couldn’t grasp how this bill had gotten this far. Before she had taken this position, during her second pregnancy, her right breast had developed a chronic infection. In 2008, she was uninsured, needed surgery to remove the swollen abscess and ran up a $2,514 bill. More than a decade later, she was still chipping away at a balance that, because of interest and court fees, had more than doubled to $5,736. She had fallen behind on her monthly payment plan and now worried that her booking photo would be on Mugshot Monday, a Facebook album run by the Police Department. She imagined what she would tell her boss: I went to jail … because I missed a court date … for medical bills. It sounded absurd. She spotted a sheriff’s deputy in a bulletproof vest with a name tag that said Bishop and a pistol on his hip. “Hey!” she called out, explaining her phone call and how the man said something about a warrant and turning herself in. Bishop radioed into dispatch and smiled with an update: “There’s no warrant in the system yet,” he told her. “Yet!” Strickland replied, deflating his look of reassurance. “That’s what I’m worrying about.” “You better give Amber a call back,” Bishop said. When I asked ARSI about how attorneys decide to request warrants, Joshua Shea, who is general counsel, told me that they don’t. The judge can choose to issue one if court orders are not followed, he said. But Casement said the opposite, telling me that he gave the choice to the attorneys. “I’m not ordering a bench warrant. My decision is to give them that option,” Casement told me. “Whether they exercise it is up to them, but they have my blessing if that’s what they want to do.” Shea sent me an eight-page email to make clear, in large part, that ARSI, as a collection agency, has no involvement in the courts, and that Brehm is a lawyer whom the agency contractually employs and who represents the hospital directly. Her email address, though, has an ARSI domain, and her resume lists her as ARSI’s director of legal. Brehm said that court hearings aren’t the only option for debtors, who can call her instead and answer questions under oath. Shea said nobody — not the hospital, ARSI, Brehm or the court — uses the threat of jail to “extract payment.” Strickland reached Brehm after several days, and the attorney agreed to a new hearing. On Aug. 13, when they met in court, Brehm sat at the front of the room. “We’re giving you a second chance on that citation; just to try to take care of this without there having to be any sort of bench warrant,” the lawyer said. “I want to make sure that we’re all on the same page about the consequences of not coming into court when the order has been issued.” Strickland nodded. “Again, if you set a payment plan and keep it,” Brehm said, “we won’t have to worry about that.” The jail in Independence, where many debtors in the county are booked. In some courthouses, like Coffeyville’s, collection attorneys are not only invited to decide when warrants are issued, but they can also shape how law is applied. Recently, Hassenplug came to believe that debtors were only attending every other hearing in a scheme to avoid jail, and he raised his concern with the judge. He suggested that the judge could fix this by charging extra legal fees; Casement wrote a new policy explaining that anyone who missed two debtor’s exam hearings without a good reason would be ordered to pay an extra $50 to cover the plaintiff’s attorney fees. If they didn’t pay, they would be given a two-day jail sentence; for each additional hearing that they missed, they would be charged a higher attorney fee and get a longer sentence. Most states don’t allow contempt charges to be used for nonpayment, and some, like Indiana and Florida, have concluded that it is unconstitutional. Michael Crowell, a retired law professor at the University of North Carolina and an expert in judicial authority, reviewed Casement’s policy. “You can’t lock people up for contempt for failing to pay unless you have gone to the trouble to determine that they really have the ability to pay,” he said. Casement told me he hadn’t made findings on ability to pay before ordering defendants to foot attorney’s fees, “but I know that’s something the court should consider,” he said. He also made plain why he wrote the policy: “Mr. Hassenplug and Brehm’s outfit have asked me to.” (Brehm denied she requested this.) Judge David Casement in the courtroom. Casement, a cattle rancher, was appointed magistrate judge, though he’d never taken a course in law. Casement has not done everything the debt collection lawyers have suggested. At first, he agreed to their requests to set bail at the amount of the debt, but he eventually settled on $500. “Most people can come up with $500,” he said. “It may not be their money, but they know someone who will pay.” He made sure no one was arrested unless they’d been reached by personal service or certified mail. Kansas law allows courts to order debtors in “from time to time,” leaving discretion to judges. Casement limited the frequency of Hassenplug’s debtor’s exams to once every three months. He came to the decision by his own logic around what seemed like a reasonable burden for defendants, and it remains his personal policy today. The law also states that anyone found to be disabled and unable to pay can only be ordered to appear once a year. Without an attorney, debtors like Kenneth Maggard don’t know to assert this right. Allowing bail money to count toward collections raises some of the most critical legal questions. Hassenplug told me that he thinks it’s great that cash bail is applied to the debt. “A lot of times, that’s the only time we get paid, is if they go to jail,” he said. Peter Holland, the former director of the Consumer Protection Clinic at the University of Maryland Law School, explained that this practice reveals that the jailing is not about contempt, but about collection. “Most judges will tell you, ‘I’m working for the rule of law, and if you don’t show up and you were summoned, there have to be consequences,’” he explained. “But the proof is in the pudding: If the judge is upholding the rule of law, he would give the bail money back to you when you appear in court. Instead, he is using his power to take money from you and hand it to the debt collector. It raises constitutional questions.” Congress has not acted on advocates’ calls to amend the Fair Debt Collection Practices Act to prohibit collectors from requesting warrants. There are also no current efforts to bar nonprofit hospitals or medical providers that receive funds through Medicare or Medicaid from seeking warrants. Some states have reformed their laws, to make sure defendants are properly served or to prohibit wage garnishments for debt. But legal experts on collections say that more remains to be done, like taking jail out of the equation and instead requiring debtors to sign a financial affidavit or a promise to appear. Michael Hassenplug’s office in Coffeyville. Shea, from ARSI, said that using the legal process is time-consuming and costly — a last resort; arrests are “the least desirable stage for any case to reach for all involved.” Even after lawsuits are filed, they try to connect eligible debtors with the Coffeyville hospital to apply for financial assistance, he said. Last year, the hospital wrote off $1.7 million in charity care, said Bell, the hospital lawyer. “That is evidence of a hospital that cares.” Casement said he did not consider the legality of his policies a problem. He placed some blame on the health care system. “What we have isn’t working,” he said. “As a lifelong Republican, I would probably be hung, but I think we need health care for everybody with some limits on what it’s going to cost us.” The way he saw it, he had wide latitude to enforce compliance with a court orders, though he acknowledged that creditors used bail money to their advantage. “I don’t know whether the Legislature intended it to be used that way or not,” he told me. “I have not had enough pushback from the defendants’ side to give me the impression that I’m really abusing this badly.” A city ambulance in Independence, Kansas. Hassenplug represents the service against its debtors. Before I left Coffeyville, I sat down with Hassenplug in the low-ceilinged courtroom. I asked him whether he thought that the system in Coffeyville was effectively imprisonment for debt, in a country that has outlawed debtors’ prisons. “The only thing they’re in jail for is not appearing,” he replied. “I do my job, I follow the law. You just have to show up in court.” Debt collection is an $11 billion industry, involving nearly 8,000 firms across the country. Medical debt makes up almost half of what’s collected each year. Today, millions of debt collection suits are overwhelming state courts. The practice is considered a “race of the diligent,” where every creditor is rushing to the courthouse, hustling to get the first judgment, in order to be the first to collect on a debtor’s assets. In Hassenplug’s view, though, this work is not the rich taking from the poor. He laughed at how locals spread rumors, saying that he seized wheelchairs or Christmas trees. Once, he confessed, he took a man’s Rolex, only to find out it was a fake. Some months, he said, even his law office could not make ends meet. After a couple of hours, a clerk poked her head into the courtroom and told us it was time to leave. Hassenplug and I began to walk out, and on the terrazzo steps, he asked if I wanted to see his buildings. He owned five of them on a shuttered stretch of town. He wondered out loud if he was making a mistake by inviting me, but he was pleased when I accepted. “There ain’t any place on earth quieter than downtown Coffeyville,” he said, leading me into the silent streets. He walked me through the alleys under a cloudless sky, and when he arrived at one of his buildings, he tapped a code to his garage. The door lifted, and inside, five perfectly maintained motorcycles, Yamahas and Suzukis, were propped in a line. To their left, nine pristine, candy-colored cars were arranged – a Camaro SS with orange stripes, a Pontiac Trans Am, a vintage Silverado pickup with velvet seats. He toured me around the show cars, peering into their windows, and mused about what his hard work had gotten him. Correction, Oct. 16, 2019: This story originally misstated the type of cancer Tres Biggs’ son, Lane, had. It was leukemia, not lymphoma. #HealthCare #Corruption #CrimeAndJustice #CivilLiberties #Photoessays

Arplis - News source https://arplis.com/blogs/news/when-medical-debt-collectors-decide-who-gets-arrested

[awesomebestpersonalloans-blog]

How A Supplementary Security Income Recipient Can Get A Payday Loan

 Most people wonder whether people that live on supplementary security income can get an online payday loan. It is vital noting that there are the payday loans for the supplementary security income recipients as well as other people that participate in other government programs. One might consider a payday loan anytime he needs fast cash or when one has a sudden expense that he is to work on. If you are one person getting the government checks as your only source of income, you can be at a better position of getting the payday loan by the use of the prepaid debit card. Supplementary security incomes, commonly known as the SSI is an income that is issued by the government to adults that cannot be at a position of working due to age, disability, or any other varied reason. SSI is normally paid in monthly basis on the first of every month to the disabled, the elderly as well as the blind since they are the people that benefit to get more about these benefits.

 It is vital noting that not every lender can accept other forms of income, such as the SSI. This means that whenever one needs a payday loan, he needs to do his homework to ensure he gets the best lender to work with. Take your time and investigate, and in the end, you will be sure of getting the best lender since there are a number of options that are in place. At the time of searching for the lender, it is vital noting that there will be variations in the bit of requirements when one is applying for the payday loan. In today’s life, it is vital noting that there are the online lenders that one can work with and they can be of great help in offering the ssi payday loan that one requires.

 If you are an SSI recipient, it is vital taking note of the things you are supposed to have at hand to make it possible for you to get the payday loan. For instance, you need to have proof of the SSI incomes. This is usually in a letter form that the recipient gets. There is also nee dot have the bank statement that you need to have at hand. Also, there is the photo of the ID you need to have at hand. With these things as an SSI recipient, getting a payday loan will be a possible thing for you. For more facts and information about loans, go to http://www.ehow.com/how_4796575_become-commercial-loan-broker.html.

[fnewstoday]

What It Is Worthy To Know About Disability People Loans?

Getting funding for making large or small purchases, solving problems, or improving living conditions often becomes especially necessary for people who have limited physical abilities. Usually it is more difficult for such people to earn more money, as well as they are more likely than others to need additional service. About 20% of US residents have a disability, so the necessity for disability people loans makes the government and lenders of various forms of ownership develop and apply various programs and products for lending to people with disabilities. It is not necessary that when you apply for a loan to a bank or another financial institution you will be offered a specific loan product, but depending on your circumstances, you may be offered specific conditions. To find out which type of loan is best for people with disabilities to apply for, let's consider all the available options so that you can choose the most suitable option for you and make an adequate decision. Let's start with the essence of the loan. Credit and its varieties A loan is a giving money or other valuables for a certain period at interest that is a gain to the lender. In some cases, you could borrow money from your friends or family members in this way, but this possibility is far from always and not common, therefore, specialized financial organizations, such as banks, are usually engaged in lending, but not only them. Now there are many different types of companies that can provide money on credit. This can be done even by individuals who have enough wealth so that they can risk some of their money by giving them credit to other people. Lending is always a risk for the lender, which is why the more risks not to get their money back are, the higher the interest rate on the loan. In some cases, in addition to the annual interest rate, the lender may charge additional fees and commissions under certain conditions. Depending on the loan amount that you need, your income level and credit history, the lender may offer you a secured or unsecured loan. Each of the two types has its advantages and disadvantages, which always balance the benefits and risks on the scales. A secured loan usually has a significantly lower annual interest rate and better conditions, but in this case you will risk your property that you will provide to the lender as security for the loan, even in the case of disability people loans. With an unsecured loan you do not risk losing your property, but at the same time you get more stringent loan conditions, you can count on a smaller loan amount, and you are also waiting for a high interest rate. Different types of loans involve different conditions for their approval, issue and repayment. For example, a credit limit set by an issuer on a credit card can be used for the entire duration of using a card, subject to timely monthly payments. As long as you replenish the balance of your credit card, you can constantly use this credit until it expires. Installment credit can be used only once. It is paid for a certain number of equal monthly payments until it is fully repaid. If you pay off one loan and you need another one, then you will need to re-apply for a new loan. There are also quick loans and payday loans, which are issued for a short time and are repaid, most often at one time from your salary or other income. Typically, such loans have a period of a week to a month and small amounts, depending on your income, but not more than 5000 dollars. If you have other options on how to obtain the financing you need, then it is better to use one of them, since such micro loans and payday loans often have one of the highest interest rates and not always acceptable conditions, unlike disability people loans. If for some reason you are unable to repay such a loan on time, then your debt will quickly grow and may exceed the initial amount several times. Mortgage When you are going to buy a house and you have all the possibilities for this, then no lender in the USA has the right to refuse a mortgage loan to a person with disabilities. If you are a conscientious borrower, meet all the requirements, and also have an amount of money sufficient to make the necessary initial payment, then you as a disabled person will receive approval and a reduced interest rate. You can ask the National Association of Realtors about available loans and their conditions for people with disabilities.

Different-types-of-loans-involve-different-conditions-for-their-approval Disability people loans for service People with disabilities may not always have the physical ability to fully maintain their home themselves. Hiring service personnel who will help them in this is usually a necessity, even for people with average incomes who have a disability. You can get a loan for these purposes, so that your life does not cause difficulties and is provided with high-quality service. Training loans In many cases, people with disabilities are not born that way. They have to re-learn many ordinary everyday things that previously they have not caused any difficulties. There are special courses for people with disabilities who can teach them how to manage in most daily activities and situations on their own, without the help of other people. For these purposes, there are also disability people loans. Business Loans Another way to reduce dependence on others for people with disabilities is to run your own business. The US Small Business Administration - SBA finances people who want to start their own business. You will be able to get a wonderful opportunity to provide for yourself and your needs in the way you want. How to get a loan Any loan can be obtained by meeting the minimum requirements that are imposed on borrowers by lenders. If you are an adult resident of the United States and you have a bank account, and you are a bona fide borrower, then your chances of getting the loan you need are already very high. Of course, it should be borne in mind that if you have a low credit rating, it will be more difficult for you to get credit approval, although in this case you will also find a loan. Depending on the type of loan and its amount, the lender may require you to secure the loan with some of your valuable property, such as a car or your house. Otherwise, with a bad loan, you are likely to get a high annual interest rate and more stringent conditions. You can find out your credit rating by requesting a report from one of the US credit bureaus. Once a year, it is available for free to all US citizens. If your credit rating is below 630 points, that is, below average, then your credit will already be considered bad credit and it will be more difficult to get approval on acceptable terms. Will the loan affect the benefits of government programs for people with disabilities? In some cases, getting a loan can affect the benefits you get from the government. When you get benefits from one of the three main programs, you can lose or reduce some of them. In some cases, you will have to declare a loan as one of your assets. There are several US government programs to fund the needs of people with disabilities. Check with the Independent Living Center, which is located in every state of the United States, as well as on the Gov Loans and Disabled World websites for more information about government funding programs for people with disabilities. There is also an organization of veterans - VA, which provides assistance to veterans with disabilities. The SSDI state program, which is social disability insurance for those who have become disabled, as well as SSI supplementary insurance, which provides assistance to people with low incomes who are people with disabilities over the age of 65. Let's sum up When you have clearly understood for yourself that you need a loan, it’s time to get down to business and find the most suitable option for your needs and conditions. Find out first what financing programs for people with disabilities may be available for free in your area. Financial institutions can provide you with one of the special loans for your specific needs. Learning for independent living and self-care without help, equipping your home with special equipment for people with disabilities, such as elevators, ramps and more, hiring personnel to service your home - these are the special needs of people with disabilities, which can be special loans in banks and other financial institutions. After that, find out what loan terms you can offer and compare the offers of different lenders to choose the best and most profitable ones. You can use the loan application form located on our website to find out about the loan offers of lenders from our extensive partnership base. Read our financial blog to understand personal finance, credit, insurance, and loans. You can ask us a question by writing us by e-mail or leaving a comment below, as well as get advice from our credit experts. We will help you understand the whole range of loan options available to you and make the right most optimal choice. Read the full article

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New story in Politics from Time: Millions of Americans Can’t Afford a Checking Account. The Post Office Could Fix That

Leonard Edwards, 57, doesn’t have a checking account. He can’t afford one.

Once a month, the Social Security Administration adds money to his Direct Express Card. Though it looks like a typical debit card, he isn’t allowed to deposit money to it and can’t write checks from it.

Burdened with severe osteoarthritis, the former FBI employee and ex-Marine has had two hip replacements and is on disability leave.

When he goes to pay rent and utilities, the Northwest Washington, D.C., resident has to choose between coughing up “convenience fees” to use some online payment portals or spending his hard-earned dollars on money orders. Banks charge about $5 for each one.

“That’s bread, milk and sugar,” Edwards said of the fees. It’s expensive to be poor, he lamented.

Even checking accounts can be a luxury. Chase, Wells Fargo and Bank of America all require balances of $1,500 to avoid fees on their basic accounts. There are workarounds. Customers can avoid the $7-12 per month service charges for low balances by scheduling regular direct deposit payments of hundreds of dollars, but Edwards can’t meet any of those requirements.

He’s not alone in his struggles. Nine million households — 7% of households in the United States — are unbanked, or are not served by typical financial institutions, according to a Federal Deposit Insurance Corp. survey from 2015.

Now an old idea has resurfaced that would help those households with help from an unlikely source: the post office. The government would allow anyone to open small checking and interest-bearing savings accounts administered by the U.S. Postal Service.

“It’s a common-sense and elegant solution to a very big problem,” Sen. Kirsten Gillibrand, who sponsored the legislation, told TIME.

Why being unbanked poses problems

A Cash Advance storefront in Peru, Indiana.

Being unbanked makes it more difficult to pay bills online and prevents people with low incomes from shopping at the growing number of retailers that only accept plastic. But it’s not just a nuisance. It’s also a reason that many unbanked people find themselves in debilitating debt traps. Often, they have no other option but to rely on unregulated, fringe financial services because they can’t open traditional bank accounts where they could save up money for emergencies.

Worse, even payday lenders like Check Into Cash and Ace Cash Express require that customers have bank accounts for loans. Edwards said he once tried to obtain a cash-advance loan as a last resort and was turned away. Without the unexpected help of some friends, he would have had to resort to unlicensed loan sharks or become homeless.

“The catch-22 of unbanked or underbanked individuals, is that in order to gain access to financial mainstream, you need credit opportunities to build a credit profile and a borrow profile. You can’t do that if you don’t have access to financial products,” said Scott Astrada, the director of federal advocacy at the Center for Responsible Lending, and a former attorney for the Office of Management and Budget under the Obama Administration.

Moreover, when low-income employees don’t have checking accounts, they aren’t eligible for direct deposit and have to be paid in checks, which leads to more fees. Wells Fargo charges non-customers $7.50 to cash a payroll or business check, while payday lenders charge up to 10%.

“The bigger the check, the bigger the chunk,” said one woman without a checking account outside Washington, D.C.’s Union Station, who asked that her name not be used in this story.

There’s a reason corporate banks charge for their services. It takes money and infrastructure to maintain bank accounts, regardless of the wealth — or lack thereof — within them.

“They have to offset those costs somehow,” Astrada said. “The business motivation or the profit motivation isn’t there to serve low-balance consumers.”

But for the unbanked, lacking a checking account can be physically dangerous. People who make less than $10,000 per year are the most likely income demographic to be victims of violent crime, such as robbery, according to data compiled by the Department of Justice. Without access to financial services through banks, they often rely on cash to make transactions, making them vulnerable to criminals who know employees have regular payment schedules.

Edwards, who has a visible limp from the pain in his aggravated joints, said carrying cash makes him fear for his life.

“When you’re a black man in America, and especially one with a disability, that’s always on your mind,” he said.

Gillibrand said these issues could easily be resolved.

“I think if we were given a vote on postal banking, we could pass it now,” she said. “The solution is already available. It’s already there. You don’t have to spend money to create it.”

Public banking options aren’t new

Sen. Kirsten Gillibrand (D-NY) speaks during a Commerce Committee hearing on paid family leave July 11, 2018 on Capitol Hill in Washington, D.C.

Postal banking isn’t a new idea. Almost every other developed country does it. Approximately 1 billion people — 19% of the world’s adults — have postal banking accounts, according to the Universal Postal Union, an agency of the United Nations.

America used to have a version of it, too. The United States Postal Savings System was created in 1910, during a time when customers were wary of big banks. Initially, the maximum allowed balance was $500, though it was later raised to $1,000 in 1916 and then to $2,500 in 1918 — equivalent to more than $40,000 in today’s dollars. When banks regained public trust and began offering more competitive interest rates after World War II, the service lost ground and it was shuttered in the 1960s.

But as profit margins on low-balance accounts began to shrink, banks began to abandon poorer urban neighborhoods and rural areas, creating what some call “banking deserts.” Since the financial crisis, 86 more banking deserts have emerged in rural areas, according to a recent report published by the National Community Reinvestment Coalition, which advocates for increasing access to financial services.

Postal banking would also help the U.S. Postal Service, which has looked for ways to stay profitable amid competition from private delivery services like FedEx and UPS. The post office has also weathered declining revenue due to decreased mail volume as people and businesses began to rely on email and online services for contact and billing needs.

“Financial services have been the single best new opportunity for posts to earn additional revenue. For the Postal Service, this might ultimately translate into $8.9 billion per year,” the Office of the Inspector General for the United States Postal Service stated in a report.

There’s another reason the idea is coming up again now, especially from a senator like Gillibrand: politics. After Hillary Clinton’s loss in 2016, Democrats have debated a number of bolder proposals ranging from Medicare for All to making college debt-free that they hope can inspire their supporters while making inroads among Trump supporters. And Gillibrand, who is widely expected to run for the Democratic nomination, may be looking for ways to differentiate herself in a crowded field.

Hank Sheinkopf, a Democratic strategist based in New York City, said Gillibrand will need to find ways to attract liberal Democrats who may be skeptical of her past as a corporate lawyer and member of the Blue Dog Coalition. He said the postal banking bill could be seen as a smart piece of messaging for now.

“Whether the bill passes or not, it’s not going to pass right away, and it’s certainly not going to pass unless the Democrats have control of the Senate, which appears unlikely today. But it gives her political positioning,” Sheinkopf said. “When you can’t get a lot done, political positioning is very important.”

Criticisms of the bill

To be sure, there are critics of the proposal.

“There are lots of reasons why being able to save matters. Being able to have a deposit account that doesn’t cost very much, gives them access to their funds and allows them to cash checks and wages they receive or government transfers — all of that is really valuable and it improves people’s lives,” said Kim Schoenholtz, a professor of financial institutions and markets at New York University. “Postal banking is one way of delivering that, but it’s certainly not the only way of delivering it.”

Subsidizing the creation of no-frills accounts in existing banks could be another solution, he said. But he was also concerned about a portion of the bill that would allow the postal service to provide loans.

Gillibrand’s bill, as is, would allow for small loans up to $500 at a time, or $1,000 from one year of the issuance of the initial loan, with interest rates in line with the Treasury’s one-month constant maturity rate, which is currently under 2%. The Postal Services Inspector General suggests interest rates closer to 25% would be more financially sound, however.

Whatever the final rate, it would likely be much lower than those offered by payday lending services with annual interest rates nearing 400%. According to the Office of Inspector General, borrowing $375 — a typical small loan amount — from a payday lender with an effective annual interest rate of 391% leaves recipients responsible for more than $500 in total interest and fees, on top of the original borrowed sum. A postal bank loan recipient who borrows the same amount would pay a fraction of that: 28% in estimated interest and fees amasses less than $50.

But Schoenholtz worries the comparatively low interest rates would lead to frequent defaulting.

“Credit typically involves default risk and default risk is higher for [people with less predictable] incomes or with lower incomes. Ultimately, the bankers who are going to be able to stay in business in a sustainable way — without subsidy — can only do so if they charge a risk premium to commensurate it with that default risk,” he said.

Borrowers who can’t afford checking account fees usually don’t own valuable assets like property, either. Schoenholtz said that adds another layer of complexity. Lenders “have to be able to seize assets in the event that someone doesn��t pay. It’s not clear that that’s a good role a government institution in the United States,” he added.

Gillibrand said the notion that borrowers wouldn’t pay back their loans in insulting.

“Any suggestion that hard-working poor Americans aren’t going to pay back their loans, I think is outrageous and wrong,” she said.” The existence of the predatory lending scheme is proof that they do pay back [the loans], because that’s why [payday lenders] make so much money.”

Leonard Edwards, the former Marine, said a public banking option would make his life a lot easier. But even though he can’t work, he tries to keep busy and help others. The 57-year-old spends his time volunteering for Bread for the City, a D.C. nonprofit, when his ailing hips allow it.

“It helps me keep my mind off of my problems,” he said. “It seems like when I do good and help other people, good things come my way. People help me.”

By Abby Vesoulis on August 07, 2018 at 11:04AM