http://phentermine-hcl.org// Tue, 12 May 2020 06:17:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.6 Information loans for Government Agency telephone toll free number and hours http://phentermine-hcl.org//information-loans-for-government-agency-telephone-toll-free-number-and-hours/ http://phentermine-hcl.org//information-loans-for-government-agency-telephone-toll-free-number-and-hours/#respond Tue, 12 May 2020 06:17:00 +0000 http://www.phentermine-hcl.org/information-loans-for-government-agency-telephone-toll-free-number-and-hours/ Read More

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Contact Center Social Institute toll free number

Contact Center Social Institute toll free number

In January 2012, the Government Agency was suppressed due to the reform of the Monti government’s social security system. All the functions of the institution have therefore passed to Social Institute, which has taken over all the reports of Government Agency. With the merger of Government Agency into Social Institute, the Government Agency telephone toll-free number has also changed.

Public employees and pensioners who are registered in the Social Institute Public Employees management (also known as Ex Government Agency Management). In fact, the new Social Institute toll-free number is now available, which allows users to call the Contact Center.

The Contact Center number is free, therefore only for those who call from the landline. Those who choose to call the Contact Center to be used using the telephone number therefore face costs. The cost of the call varies according to what is established by the tariff plan applied by the telephone operator in use.

Timetables and services Contact Center Social Institute ex Government Agency

Timetables and services Contact Center Social Institute ex Government Agency

But how does Government Agency phone loan assistance work? By calling one of the two numbers mentioned above, the user can take advantage of the assistance of the Social Institute Contact Center ex Government Agency. In this regard it is necessary to specify that it is possible to speak with the operators of the Contact Center only at the following times.

  • Monday to Friday from 8.00 to 20.00
  • Saturday (and other pre-holiday days) from 8.00 to 14.00.

However, the number is active 24 hours a day, including Sundays and holidays. Those who call outside the times indicated above therefore do not have the opportunity to speak with the operators, but can only take advantage of the automatic service.

In any case, it is possible to obtain both information and assistance in relation to Social Institute services and services (including those ex Government Agency). Not only. Those who wish to communicate to Social Institute the variation of some data in relation to their position (for example the change of residence) can do it directly through the Government Agency loan assistance service by phone.

In the same way, it is possible to use the Social Institute Contact Center to make appointments at the various Social Institute offices. Alternatively, you can also contact the Contact Center for technical assistance for Social Institute services.

 

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Installment loan declaration. http://phentermine-hcl.org//installment-loan-declaration/ http://phentermine-hcl.org//installment-loan-declaration/#respond Wed, 29 Apr 2020 06:57:04 +0000 http://www.phentermine-hcl.org/installment-loan-declaration/ Read More

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Installment loans can be used for short-term financing of purchases, for debt rescheduling and any other purpose. In this installment loan declaration, we summarize the most important properties of installment loans for you and take a look at current conditions on the credit market, typical requirements for borrowers and the legal framework for consumer loans.

Installment loan declaration: This is how installment loans work

Installment loan declaration: This is how installment loans work

Installment loans are granted by banks to consumers. Formally, the loans are annuity loans. The most important feature is annuity: a constant monthly rate that already includes interest and principal. The advantage for borrowers is that they are easy to plan, which is why installment loans are the most important form of financing for private households.

An installment loan can be earmarked. B. purchase a vehicle and deposit the vehicle letter as security with the bank. In most cases, the loans are not tied to a specific purpose. You can absorb sudden expenses, make purchases, or redeem existing debt. To apply for an installment loan, you have to meet certain requirements. Regular, attachable income and faultless Credit Bureau information are imperative. Many banks also require you to earn your living as an employee or receive a pension, while the self-employed and freelancers are often excluded from lending.

Facts about loans: market development, conditions and legal aspects

Facts about loans: market development, conditions and legal aspects

Installment loans with net loan amounts of approx. USD 1,000-75,000 with terms of 6-120 months (however, 12-84 months are typical) are common on the German market. According to Credit Bureau Credit Compass, there were 17.3 million current installment loans in Germany as of December 31, 2015. According to Credit Bureau, the average loan taken out in 2015 was USD 9,552.

The interest rates for installment loans are higher than the interest rates for mortgage loans because installment loans are only secured by formal assignment of wages and salaries and therefore represent a greater risk for the banks. A longer term and a weaker credit rating lead to higher interest rates. As a result of the Cream Bank’s monetary policy, general interest rates are currently lower than ever.

The legal regulations on installment loans are primarily found in § 491 ff BGB. Borrowers can terminate loans at any time without notice. In this case, banks may demand a maximum of 1.0% as prepayment penalty. Credit institutions, on the other hand, can only terminate if they are in arrears – an advantage over overdrafts. Banks must provide borrowers with the “European Standard Information for Consumer Loans” with an installment credit declaration with all conditions.

Conclusion on the installment credit declaration

Conclusion on the installment credit declaration

Installment loans are annuity loans with a constant monthly rate, which can be used as consumer loans for any purpose, such as: B. consumer spending or debt restructuring can be used. The constant monthly rate makes it easy to plan the loan – which is why installment loans with currently around 17 million contracts are the most important financing instrument for consumers. A major advantage over overdrafts is that the bank cannot cancel at any time.

The interest rate for installment loans is currently lower than ever. Nevertheless, interest rates may differ significantly between different banks. The selected term and your credit rating also have an impact on the conditions. It is therefore essential to carry out a credit comparison before concluding a contract. B. on Ratenkredit.de

 

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All about Credit Loans http://phentermine-hcl.org//all-about-credit-loans/ http://phentermine-hcl.org//all-about-credit-loans/#respond Sun, 26 Apr 2020 06:23:28 +0000 http://www.phentermine-hcl.org/all-about-credit-loans/ Read More

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Each of us can sometimes get into a bad financial situation in which he needs to borrow money. And the solution to such a problem is offered by the non-banking company Good Credit , which provides online loans for employees, entrepreneurs and pensioners.

Making a loan from Good Credit is really easy , just fill out a simple online form . Then you will be contacted by a Good Credit sales representative, who will agree with you on further details of the loan. Good Credit Czech, as has been operating on our market since 2000, and is thus a proven company with thousands of clients .

Online loan Good Credit

money

An online loan from Good Credit from USD 10,000 to 166,000 is a non- purpose loan . So no one will ask you what you will use the money for.

The advantage of this loan is that you can apply for it over the internet and thus save time and effort. You can have the money in your account within 24 hours of submitting the application. You can submit a non-binding application for a Good Credit loan at this address .

Online loan USD 20,000 only for USD 1,938 per month
(Maturity 12 months, APR: 32.93%)

Employee loan (also for pensioners and women at MD)

money

A loan from USD 10,000 to USD 166,000 is intended for people over the age of 18 who can prove a regular monthly income. It is therefore suitable for employees (even those who work abroad), pensioners (retirement pension, disability pension, old-age pension, widow’s pension, orphan’s pension) but also for mothers on maternity leave .

You can handle the loan free of charge. The maturity of the loan can range from 12 to 48 months. An ID card, proof of income and bank statement will suffice to secure the loan. A quick loan is often available within 1 day of submitting an application via the Internet.

Apply for a Good Credit loan up to USD 166,000

Business loan

cash

A loan for companies (as well as individuals and legal entities) that need to obtain a larger amount and can provide collateral in the form of assets .

A business loan can also be provided to pay off a debt to the state, provided from USD 30,000 upwards . The amount of course depends on the creditworthiness of the client and the value of the security, but each application is assessed individually. The advantage of the loan is easy availability and the fact that no fees are paid in advance .

Trade loan

money

This type of loan is intended mainly for small entrepreneurs who need a short-term loan without collateral and have a regular income. The amount of a trade license loan ranges from USD 30,000 to USD 300,000 and the maturity of the loan is from 12 to 48 months.

The advantage of this loan lies in its availability, as it is also available to entrepreneurs who do not report a profit in the tax return . The benefits include an individual assessment of each application and the fact that you do not need to prove any business plan to obtain a loan.

Good Credit also provides a bridging loan and a professional loan from USD 30,000 to 150,000 for companies and sole traders.

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What is a Good Credit Score? http://phentermine-hcl.org//what-is-a-good-credit-score/ http://phentermine-hcl.org//what-is-a-good-credit-score/#respond Sat, 25 Apr 2020 06:50:00 +0000 http://www.phentermine-hcl.org/what-is-a-good-credit-score/ Read More

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Your credit score is a three-digit number that tells creditors and lenders how likely you are to repay your bills or the risk of not paying your credit card or credit card. The FICO score, one of the most commonly used credit scores, ranges from 300 to 850 with higher credit scores. Although other types of credit scores may have different ranges, higher credit scores are always better than lower ones.

What is a Good Credit Score?

What is a Good Credit Score?

Whether you have a good credit score depends on who checks your credit score and the criteria that measures you. In general, a good credit score – on a FICO scale – is above 720, but for some creditors and lenders, the limit may be slightly lower or slightly higher. A good credit score tells lenders that you are likely to pay your bills on time based on how you paid your bills in the past. If you have paid your bills on time and have managed your credit well over the past few years, you are likely to have a good credit score.

Getting with a good credit score

Getting with a good credit score

With a good credit score, you will usually have approved applications and get a good interest rate. Keep in mind that even with good credit, credit card and loan approval are not guaranteed as creditors and lenders consider other factors besides your credit score. Your income, employment and debt level are some of the things that creditors and lenders typically consider and lack in any of these areas can cause you to turn them down.

This tells us that a good credit score is not a predictor of your ability to pay, but your likelihood of paying.

If you do not have a good credit score, it does not mean that your applications will be rejected. But if you are approved, you will probably have a higher interest rate. Or, if you sign up for utilities or other monthly services, you may need to pay a security deposit to determine your services.

Or, a creditor or service provider may require you to have a cosigner before being approved.

Do you have a good credit score?

Do you have a good credit score?

You can check your FICO score, the credit score of most lenders.  There are other places to order your credit score, sometimes for free and even to evaluate your FICO score.

You have credit reports with three different credit bureaus and the information in each credit report may be different. Because your credit score is based on your credit report information, your scores can easily vary. It is possible to have a good credit score with one credit bureau and a fair credit score with other bureaus. This can happen if you have a debt collection or other negative account that appears on one credit report but not the rest.

When you order a credit score, most providers will give you an overview of the score, telling you whether your score is bad, fair, good or excellent. You will also find out what factors contribute to your credit score. If you don’t have a good credit score, check out the credit report to find out more about which accounts are hurting your credit card.

Don’t worry, you can usually improve your credit score by lowering your high balance, paying off your outstanding bills, and building a more positive payment history.

If the errors contribute to an unattractive credit score, you can challenge them to the credit bureaus. A better credit score will not happen overnight, but with time and the right procedures, you will see an increase in credit score.

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Credit for Self Employed Comparison http://phentermine-hcl.org//credit-for-self-employed-comparison/ http://phentermine-hcl.org//credit-for-self-employed-comparison/#respond Fri, 03 Apr 2020 06:37:34 +0000 http://www.phentermine-hcl.org/credit-for-self-employed-comparison/ Read More

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Anyone who wants to take out a loan as a self-employed person or freelancer quickly realizes that this is associated with some difficulties. Even with good sales, many banks struggle to legend. In some cases, no loans are granted to the self-employed or high interest rates are charged accordingly. However, some banks are now ready to grant a loan to the self-employed.

Loan for self-employed in comparison

Loan for self-employed in comparison

The credit offer deserves special mention. Because here no distinction is made between lending to the self-employed, freelancers or employees. The same conditions are offered for all borrowers. All that matters is an adequate credit rating. A copy of the last income tax assessment notice is required as proof of credit for the self-employed compared to employees. The loan is offered for amounts between 1,000 and 35,000 dollars. The borrower can choose between a term of 12 to 84 months. The effective annual interest rate is based on the required loan amount and the chosen term. In addition, the credit rating also has an impact on the amount of interest.

Personal loans with us

Personal loans with us

We have a platform where borrowers can receive money from private lenders. This has the advantage that processing is less bureaucratic than, for example, a bank. This also makes it easier for self-employed people to get a loan compared to a bank. The private loan is possible for amounts up to 50,000 dollars, with a term of either 36 or 60 months.

However, the borrower has the option of repaying the loan earlier at any time and without additional costs. If you need a loan, you can simply register and indicate what interest you are willing to pay. As a result, a loan for the self-employed is often cheaper than at a regular bank.

After registration, the customer will receive all documents by post. These can then simply be sent back signed. The provider carries out a credit query to determine the corresponding credit score. This is then also visible to potential donors. Otherwise everything is completely anonymous. Registration takes place using a corresponding pseudonym.

After the documents have been successfully checked, the loan request is immediately put online and is therefore visible to potential donors. They can then make money available for the corresponding project. As soon as enough money is collected, We will pay the borrower directly. Monthly payments are also collected directly from us, so there is no direct contact between the borrower and the lender.

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Increase installment loan. http://phentermine-hcl.org//increase-installment-loan/ http://phentermine-hcl.org//increase-installment-loan/#respond Mon, 23 Mar 2020 06:29:17 +0000 http://www.phentermine-hcl.org/increase-installment-loan/ Read More

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An installment loan is already running and you need additional money? Then you can top up your installment loan and finance it very quickly and easily. You can combine the increase with a new rate distribution and thus keep the monthly charge within limits. Raising or rescheduling a current loan is better than taking out new loans for a reason.

Increase installment credit with debt restructuring: more money, same rate

Increase installment credit with debt restructuring: more money, same rate

You can subsequently top up an ongoing installment loan with the same bank and pay a higher loan rate from now on. However, you should first consider the possibility of rescheduling – at your previous bank or another provider. With a new loan, you can replace the existing loan and generate an additional payment. In the best case, this is even possible without changes to the credit rate and term, because interest rates have fallen in recent years.

If you are currently repaying a loan with an effective interest rate of 8%, the monthly installment amounts to 607.05 with a remaining debt of USD 25,000 and the remaining repayment years. You can redeem this loan amount with a debt rescheduling and receive an additional USD 1,923.68 as an extra payout without changing the term and the amount of the installment. The only requirement is that the new loan can be financed 4% effectively – currently with a good credit rating, a realistic interest rate. If you also extend the term by one year, you will receive an extra payment of USD 8,020.08.

Top up credit instead of overdrafting and point of sale loans

Top up credit instead of overdrafting and point of sale loans

It is better for your creditworthiness to use the smallest possible number of loans. Obtaining the liquidity you need from one or two installment loans will have little impact on your creditworthiness. However, a larger number of smaller loans, which also include installment payments in retail (so-called point of sale loans) are less good. These tend to lead to poorer scores for large credit agencies such as Credit bureau. Credit agencies assign your credit profile to that of comparison groups. Obviously, households with a large number of smaller loans are statistically more likely to experience payment difficulties.

Installment loans are also preferable to overdrafting the current account in this regard. If you overdraw your account within the framework agreed with the bank, high interest rates will be charged. If you also overdraw the credit line, the interest rates are even higher. In addition, a tolerated overdraft is a small negative feature because it indicates behavior that is not in accordance with the contract. You should top up installment credit before it becomes financially tight. If features such as tolerated overdrafts, return debits and standing orders that have not been redeemed are found, this can make credit negotiations more difficult.

Conclusion: The time for credit increases is favorable

Conclusion: The time for credit increases is favorable

You can top up an ongoing installment loan without changing the bank. As an alternative, the existing loan can be rescheduled into a new loan. As interest rates have dropped in recent years, an additional payout can often be made without changing the loan rate and term. With an extension of the term, this extra payout is even greater. An orderly financing with additional money requirements is in any case better than overdrafts and taking out several small loans e.g. B. on installment payments in retail. Many small loans have a greater impact on Credit bureau score values ​​and credit ratings than a loan that suits you well.

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I have debts and I earn on them. Clearing for intelligent people. http://phentermine-hcl.org//i-have-debts-and-i-earn-on-them-clearing-for-intelligent-people/ http://phentermine-hcl.org//i-have-debts-and-i-earn-on-them-clearing-for-intelligent-people/#respond Thu, 12 Mar 2020 06:27:33 +0000 http://www.phentermine-hcl.org/i-have-debts-and-i-earn-on-them-clearing-for-intelligent-people/ Read More

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I know that for many readers at the stage of thinking “I have a long and lost the sense of life” will be a science fiction reading, but nevertheless I appeal – read to the end. This is all true. Just the stage of your thinking does not allow such a scenario to the mind. As in the ’70s, it was not imagined that you could have a computer, telephone, camera, recorder in the 1940s, the size of a cigarette box. It just seemed impossible. Now it will seem ridiculous to any smartphone owner. But there are things that exceed the possibilities of the imagination. I dedicate this article to those who cannot believe that they can make money on their own debts.

 

I have debts and I want to get along

I have debts and I want to get along

Unfortunately, there is nobody with you. Creditors have transferred cases to debt collection companies, where they are able to repeat several learned patterns over and over again. You double and triple, but all settlement proposals are throwing peas against the wall. On the other hand, the creditor’s proposals mean repayment of the entire debt. Now and now. Preferably yesterday. Because if not a court and bailiff.

Fighting windmills begins to mentally depress you. You came out of the crisis and want to start paying back as much as possible, but nobody wants to talk to you like a partner. You feel paper stuck in the ground, trampled and dirty. After several months of unsuccessful requests that creditors want money from you – you give up. You stop asking and being nice. You want a bailiff – you will have it – you change the way you think about debt, honesty and ethics of the debtor.

 

I have a long time to react

debt loan

You already know that the creditor’s only weapon is a bailiff. The creditor has no other weapon. He has been threatening you with it so far, and you have panicked. But it was it worth it. Since Polish law allows you to knock out the creditor’s only weapon – you do it. You have a long but also a long time to react. It will take a long time for the creditor to arm. The court must issue an order, the order must become final, and only then goes to the bailiff.

However, you are ready to fight. Because at that time you changed the thinking “I have a long life and lost my sense of life” to “I have a long life, but it doesn’t change anything in my life”. It was enough just to learn how to knock the opponent out of hand. That is, make the bailiff’s execution cease to concern you. Find an effective way for a bailiff.

 

I have debts and the creditor is in trouble

I have debts and the creditor is in trouble

Begins. Bailiff executions from all sides. Searching for assets and sources of income. You take it indifferently, because you know that each subsequent bailiff after checking you in ZUS (you do not work full time), land and mortgage registers (you do not have real estate because you had time to take care of it) and the Central Register of Vehicles and Drivers (wise debtor does not have a car registered in it) recognizes the execution as ineffective. And makes redemption. Informing the creditor, who is like a king from Andersen’s fairy tale …

 

The creditor is naked

credit loan

Because that’s how it looks. The creditor did not want to reach a settlement with you, because – as the debt collectors used to say – a bailiff will bring him all your money. And what if it doesn’t bring? At this point, we come to the stage where the creditor realizes that your debts are his trouble.

Because the weapon that scares other debtors with love, shoots you with blanks. And it is up to you at this point when and on what terms you will return the money. He – the creditor – can, of course, constantly shoot at you with the same weapon that does not work on you completely. You know how you can neutralize a bailiff – the only institution that provides the creditor with the opportunity to recover money. If this turns out to be ineffective, the creditor will change from terrible to partner and will begin to seek settlement. 

 

Settlement vs debt assignment

debt assignment

When a defenseless creditor starts talking to you, these conversations are no longer like the recovery from the beginning of this story. He will not dare to say “tomorrow all or bailiff” because you will snort in his face. It will not ridicule or compromise, because at this stage the casual and random employees no longer participate as in the debt recovery stage.

At this stage, if you use it wisely, you can easily distribute the debt into convenient multi-year installments with interest retention or write off part of the debt by paying off the rest one time. Each of the negotiated variants will be beneficial for you. The creditor knows that he has ceased to be dangerous to you for what he created. And he became meek and pleading. He knows that if he doesn’t sign a settlement with you he will have to sell your debt quickly. And the assignment of debt means a considerable loss.

 

sell your debt for 15% of the value,

although for you this option would be the most profitable. After all, the change of creditor as a result of the assignment means that the object of the transaction, your claim, has lost its value significantly.

Mathematics doesn’t lie. Each 1000 dollars sold for 15% has a value of 150 dollars for the new owner (because he bought the claim for so much). How much do you have to pay to make it profitable for him to settle with you?

Much depends on which securitization fund purchased your debt. And who talks about the repayment. Basically, you can assume that if you offer a new creditor twice as much he has paid for the debt, then the employee analyzing the proposal will be an idiot if he does not accept the offer.

By offering $ 300 -450 for every $ 1000 of your debt, you give the fund a 100-200% profit. Profit, which receives immediately. If it’s greedy or having employees with no sense of negotiation, it will follow the same path as the original creditor. He will issue a court order and a bailiff with worthless paper in the form of an order for payment …

Therefore, each of the large players on the market knows and understands that when you meet an opponent like you, you need to take advantage of the possibility of getting rid of debt and earn on it. The fund earns because it collects more than it has spent on its purchase. You earn on your debts because you pay off … much less than you borrowed.

And the best part is that both you and the fund (ie the one who bought your debt) earn on this operation. How much? It’s up to you.

 

Earn on your debts

Earn on your debts

When you started reading this text, the slogan “I have debts and earn on them” probably seemed to you without any sense. Now you can see that you can also earn on your debt. When it changes form and form, it becomes a claim, ie a market commodity, its price is no longer determined by the accounting amount of debt.

And for how much you want and you can buy the debt from the creditor, Remembering the iron rule that debt collectors don’t treat you emotionally. You are not a debtor for them like a bank or loan company. You are a trading partner for them because they have goods that apply to you. And because they bought it cheaply, you can also buy it cheaply. It is only important that the company can earn on you. And she won’t be interested in the fact that you took $ 100,000 from the bank and you gave away $ 35,000.

It is important for her that she can earn $ 20,000 without courts, bailiffs, recovery costs and waiting, it is not known how much for any effects. When you can have them immediately, as long as it offers good repayment terms. And thanks to them you can – which many probably will never believe – earn on your debts.

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