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can a personal loan company employee come to your house to collect a debt?

December 6th, 2011

Question by patrick: can a personal loan company employee come to your house to collect a debt?
i took out a loan about 4 months ago and the were calling me and sending me letters witch is normal when you default on a loan but a employee for the loan company started coming to my house can they do that if they are not a debt collector???

Best answer:

Answer by rpg
Assuming that you don’t live in a gated community, they can come to your door and ring the doorbell. You do not have to answer the doorbell or let them in.

Know better? Leave your own answer in the comments!

Little House on a Small Planet, 2nd: Simple Homes, Cozy Retreats, and Energy Efficient Possibilities

October 19th, 2011

Little House on a Small Planet, 2nd: Simple Homes, Cozy Retreats, and Energy Efficient Possibilities

A guidebook to planning, building, renovating, and inhabiting an eco-friendly small house.to get more information on how to live simply visit: www.littlehouseonasmallplanet.com

List Price: $ 19.95

Price: $ 8.61

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What is Dave Ramsey’s feelings on using debt for a house?

October 18th, 2011

Question by mannix_mannix_mannix: What is Dave Ramsey’s feelings on using debt for a house?
I know he is against personal debt at all costs, so I am wondering if he has an exception in his advice for buying a home?

If so, how does he explain this? I am mainly trying to understand if he has one guiding principle for debt or not.

Best answer:

Answer by HEATHER
He advises that if you do have to get a mortgage to not get one for more than 15 years. If you can’t pay it off in 15 years, don’t buy it.

Know better? Leave your own answer in the comments!

How To Refinance Your House And Live Like A King! Smart Home Mortgage Refinancing That Will Save You Thousand$

October 6th, 2011

How To Refinance Your House And Live Like A King! Smart Home Mortgage Refinancing That Will Save You Thousand$

How To Refinance Your House And Live Like A King! Smart Home Mortgage Refinancing That Will Save You Thousand$

With the low interest rates and with many homes being underwater, lots of folks are looking to refinance their current home mortgage. But you should do so carefully and for the right reason.

There are many considerations you need to look at prior to refinancing. We’ll examine all of these in this book.

In this guide we’ll take you through all the consid

List Price: $ 0.99

Price: $ 0.99

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The Reverse Mortgage Advantage: The Tax-Free, House Rich Way to Retire Wealthy!

August 10th, 2011

The Reverse Mortgage Advantage: The Tax-Free, House Rich Way to Retire Wealthy!

Financial Freedom You Can Only Get When You Hit 62! Whether you’re exploring a reverse mortgage to finance a home improvement, pay off a current mortgage, pay for health care expenses, or generate monthly income to improve quality of living, you’re one of the thousands of Americans age 62 and older who are turning to this lucrative way to build income. Simply put, with reverse mortgages you no longer pay the bank, the bank pays you. In The Reverse Mortgage Advantage, renowned real

List Price: $ 21.95

Price: $ 2.52

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PSMC to host open house for new building

February 2nd, 2011

April 13th 2009 – Under These Dark Clouds
Personal Debt

Image by Stephen Poff
I debated whether or not I should post this public tonight… I still might make it private… but right now I feel maybe I can talk candidly about something I’ve hinted at in the past.

For the past week I’ve been getting calls from that "someone" that I’ve mentioned for the past few years that has burdened my heart with their troubles. That someone is my biological father.

The short story is that over the past few years he’s been digging himself deeper and deeper in to debt and taking on risks that have made no sense to take on. I’ve tried desperately to steer him into the right directions, give him advice, money, spent time calling various agencies to help out only to have him end up homeless.

That’s right… my father is now homeless. I sent him check after check begging him to tie up his loose ends and come live with us for a short while so that I could help him get back on his feet. All the money went to bizarre ventures and to things that had nothing to do with the effort to get him on the road. Sadly he had a working motor home and a piece of land in Tennessee that would’ve been close enough for me help him out more, but he lost the motor home when they evicted him and the money that I gave him for gas/food/car repair to get up here was spent on hiring some other homeless people (he paid them in beer and cigarettes) to help him sell some stuff (I know that sounds halfway reasonable, but he wouldn’t take anything but retail price… at a yard sale… and hence sold nothing). He’s eligible for VA assistance and Social Security, he won’t apply for them. I’m not really sure what I else I can do for him.

At some point I realized that I was sinking money into a cause that was taking away from my family and not doing him any good… sad but true. Also, the more I dealt with him, the more I realized that it was a good thing he never made it here… with Zoe here, he’d be nothing but trouble… trouble that I’m not sure we could deal with.

So, I found out tonight that he spent the last 6 nights in jail (for a reckless driving ticket, he’s since been released) and that all the possesions that he had (in a trailer parked at Wal-Mart), had been towed and impounded. He’s literally living in a van down by the river… or overpass as it were.

I don’t have the words to express my anger, disapointment or frustration at his and subsequently my situation. This should be a very happy time in my life and his situation is just a dark cloud over my head. All my life I’ve lived in his shadow. And you know the saying, "The sins of the father will be visited upon the son". Well, think about that when you have a felon for a father. He cheated on my mother more than once and then spent 12 years in prison. I’ve spent my life trying to be everything he’s not… to escape the pain he’s left in his wake. And for some reason, I still feel like if something happens to him, it’ll be my fault.

His words to me in a text tonight were "Can’t hang on an longer, I’m down the tube’s sorry. I’ve lost everything and I refuse to start over."

Live with that.

I know that was way personal, but I felt like I needed to put it out there in the universe somewhere so maybe it would be a little less of a burden on my heart.

I’m gonna go hug my family.

PSMC to host open house for new building
One support building is already open for business at Phoebe Sumter Medical Center’s new medical campus located at U.S. Highways 19 and 280 in Americus, while the remaining two will open in the next two months. The Women’s & Family Center (which houses obstetrics, gynecology and family practice)   opened for business in December 2010, and the physicians there are currently seeing patients.
Read more on Americus Times-Recorder

Lenders penalise families for their children
FAMILIES with children are finding it harder to get the mortgages they require following a tightening up of lending rules by watchdogs at the Financial Services Authority, it
Read more on The Scotsman: Business

Plains local graduates from basic training
Army Pvt. Benjamin L. McLemore has graduated from basic combat training at Fort Jackson, Columbia, S.C.
Read more on Americus Times-Recorder

Arab World’s Berlin Moment?
Back in May, I asked if Greek protests are going global? With the recent events in Egypt, it looks like we are heading for another round of geopolitical tension. Market participants are very anxious because the global repercussions of this latest episode can be significant. While some in the media are proclaiming this the “Arab world’s Berlin moment”, I’m very skeptical. Spero News had an …
Read more on Zero Hedge

Republicans’ hard line since winning House could backfire

November 13th, 2010

Republicans’ hard line since winning House could backfire
Republicans’ prescriptions for the sluggish economy excite the party’s conservative base, but many voters are more interested in jobs than the ideological battles with Democrats. No bargaining, no deals, no compromise — that’s the hard-line stance that Republicans have staked in the days since seizing control of the House.
Read more on Los Angeles Times

Seoul Ford dealer is dealt a lemon as U.S.-South Korea trade agreement stalls
The hard-driving salesman had high hopes that a deal would make it easier to sell American-made cars in South Korea. But two ashen-faced presidents had to admit failure, leaving the dealer crushed and keeping added taxes on foreign-made autos. Song Myoung-geun is a hard-driving car dealer pushing Fords to South Korean buyers. He’s so good at his job that last year he ranked third nationwide in …
Read more on Los Angeles Times

Fitch Rates New York City TFA 0MM Building Aid Revs ‘AA-’; Outlook Stable
NEW YORK–(BUSINESS WIRE)–Fitch Ratings has assigned an ‘AA-’ rating to the following New York City Transitional Finance Authority (TFA) building aid revenue bonds, fiscal 2011: –,000,000 subseries S-1A tax-exempt bonds; –0,000,000 subseries S-1B taxable bonds (Build America Bonds). The bonds will be sold through negotiation the week of Nov. 15, 2010. In addition, Fitch has affirmed the …
Read more on Business Wire

Races for House D-43 and Senate D-30

November 7th, 2010

Races for House D-43 and Senate D-30
House District 43 Frank McNulty, 37, is running for re-election for House District 43, which encompasses the Highlands Ranch area. McNulty has been re-elected twice, and has been a fixture of the State House since 2006.
Read more on Highlands Ranch Herald

Revenues are .1 million short of projections
TEWKSBURY – During the October 20 Board of Selectmen meeting, Donna Walsh, Tewksbury’s Finance Director, issued her quarterly report on the state of the Town’s finances.
Read more on Tewksbury Town Crier

ECB unswayed by Fed bond move
BERLIN — The European Central Bank stood its ground Thursday and refused to be swayed by the Federal Reserve’s decision to launch a bond-buying program to create new dollars and shore up the U.S. economic recovery.
Read more on Washington Post

State House campaign reports detail debt, obligations

November 1st, 2010

State House campaign reports detail debt, obligations
OCEAN CITY — Even after the last ballot is counted, some candidates may still have a lingering reminder of the campaign season: debt.
Read more on The Daily Times

Voters approve millage renewal
Washington Parish voters by an overwhelming majority approved the renewal of a 10-year, 10-mill property tax that is dedicated to road maintenance.
Read more on The Daily News

Traps to avoid when booking trips online
Rob Carrick rounds up the best in personal finance reading
Read more on The Globe and Mail

House Warmer – Welcome To Your New Home Small Gift Basket

October 26th, 2010

House Warmer – Welcome To Your New Home Small Gift Basket

  • When their “moving munchies” strike, they’ll be ready with this welcoming assortment of coffee, tea, cookies, crackers, cheese, nuts and much, much more.
  • Dark Green Ceramic Coffee Mug * can be customized with minimum order and lead times
  • Include a personalized gift message for your clients, friends, and loved ones. But if you forget, don’t worry, From the “Buyer” is automatically included for you.
  • Your gift leaves our facility within 1-2 business days after the order is placed. We ship Standard Ground (3-8 Business Days), Expedited (3-Day Air, 3 Business Days) and 2-Day Air for your convenience. These times are estimates and may not be exact. In some cases, shipping may take less time depending upon location of the recipient. Saturday delivery is not available. Please see our Shipping Policies for additional information.

A house-warming gift they’ll welcome – and love to unpack. When their “moving munchies” strike, they’ll be ready with this welcoming assortment of coffee, tea, cookies, crackers, cheese, nuts and much, much more.

New Home Patterned Theme Box 7″x4″x.5″

Dark Green Ceramic Coffee Mug * can be customized with minimum order and lead times

Premium Coffee “Welcome to your new home”1.5oz Macadamia Nut

Imported Italian Hazelnut Wafer Cookie 6 oz

Toasted Wheat Cracker 1.75oz

G

Price: $ 28.99

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