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Implications of Non-Payment & Collection Practices: If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including: We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy. Cash advances on credit cards. This can be a fairly expensive option if you need to borrow for an extended period of time. Youâll probably have to pay a cash advance fee, 3-5% of the amount advanced, and most credit cards have higher cash advance interest rates than regular purchase rates. But onceÂ again, credit unions come to the rescue. Many credit unions have cards with low cash advance interest rates and no fee. For example: A comprehensive business plan will say a lot about who you are and what you chances of success are, Jacobs told BusinessNewsDaily.
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