What happens if you're caught accidentally double cashing work checks?
A year ago I mobile deposited a work check in the amount of $128 assuming it would process the following business day and it did not and I owed a friend money. So I cashed the check at my local walmart and a month or so later the $128 was automatically removed from my bank account. Recently, I did the same thing with 4 work checks. I kept all my work checks in my backpack and I had 1 that had not been cashed so I deposited them all assuming the same thing would happen a few months later where the checks I had previously mobile deposited would come back out. My bank account went to a low balance and the amounts still have not been taken out. Recently I received a call stating I am to be sued by my previous employer for the amount of checks I double cashed which is $1,700. I know I have charges coming against me for this and will have to re-pay the money to either my bank or employer, but I'm wondering if someone can further enlighten me on the situation. Should I get a lawyer? Can I be arrested? Thanks in advance.
I need to rent an apartment ASAP but have bad credit score and low income?
My living situation has drastically changed recently, and I need to find an apartment as soon as possible. I have been living with roommates and then my boyfriend for the past 4 years, but the only "solid" rental history I have is from over a year and a half ago. My credit score is pretty low, around 560. I am a working student so my income is also fairly low, although starting next month I will be working full time instead of 20 hours a week, so my income will double. I want to find a one bedroom or a studio apartment. I do NOT want to live with roommates again, I really just want to have my own place. I know that no landlord in their right mind is going to rent me an apartment. Do you think if I offered to pay 6 months rent up front, that I would find a place easily? I can take out a loan from school, and have been thinking this would be a good option. What other options do I have? Does anyone have any advice?
Should I pay more than double of loan amount?
Hi,This is very complicated question because no any borrower want to pay money more than loan amount. But Payment amount of loan depend upon few certain thing like-Interest RatesTenure of Loan/ Repayment TimeIf you have high interest rates and also long tenure then you will pay more than your loan amount.So for this you should repay your loan ASAP if you not want to pay more than your loan amount.You can visit our website Compare and Apply For Loans in India, Best Loan Service Provider in Delhi/NCR Noida India for more information on loan or contact with our expert at 8795021552 or mail us at info@afinoz.com you can contact with our financial expert through Chat bot of our website.ThanksTeam Afinoz
I borrowed money from a friend during a time of bereavement when my sanity wasn't there. She approached me with little respect over my lack of communication. Am I wrong for not wanting to pay her back out of respect for my loved one?
What? Respecting a lost loved one is an excuse to not pay a debt?You are so very wrong. Honor your loved one by going on to live an honorable life. I don't believe that your loved one would appreciate your memory of them being abused and tarnished in this way.Okay I've been there. I lost my wife two years ago. It made me a bit crazy and I did not want to deal with anything. But you have to, and you certainly do not need to alienate friends at a time like this.Maybe she was disrespectful when trying to collect from you, but you have been disrespectful to her by not honoring your debt and not even talking to her about it.The fact that you were not entirely in your right state of mind when you borrowed the money does not excuse you from paying her back.You are still angry and hurt. I get that. I really do. But you still owe her the money she so graciuosly loaned you on your time of need. You have no reason to be angry at her.I don't know how much you owe her. But you at least owe her a lunch or a cup of coffee and a down payment.Call your friend. Tell her you want to meet and apologize over a cup of coffee. Bring an envelope with you with as much as you can afford to repay her right now. If it is 5 dollars, 50 dollars or 500, pay something toward what you owe her. Then talk about a payment plan that you can afford and make it a priority in your budget.Do this out of respect for yourself, do this out of respect for your friend, a do this out of respect for the memory of your loved one.
How much does FAFSA pay for your college tuition?
There is no set percentage FAFSA gives out regardless of what you've heard. What FAFSA does count is how much money the school is giving so let's say that your school gives out $5,000 to you in financial aid and scholarships. The FAFSA will review that and then award you aid depending on your family's income. Suppose you are a dependent (majority of college students are) and your parents are only able to afford to pay $6,000 per year, the FAFSA will give you the remaining money in form of Unsubsidized and Subsidized Stafford Loans and Pell Grants and many other (SMART or TEACH or SEG) for which the information is available on their website. My tuition for freshman year was $30,000 and first year I got $11,000 in scholarships and $9,000 in federal money (subsidized, unsubsidized loans, grants, etc) and my mom had to take a $10,000 loan (FPLUS). This year it went up to $32,000 and I got $11,000 in scholarships, $15,000 in government aid and had to pay $6,000 out of my pocket (which we took out another loan for) so I am guessing the more financially troubled your family is, the more they pay. Not to say you should act like you are in trouble to get more money because one of my friends registered as an independent and got 100% tuition to pay for college and fed. gov. found out he was still a dependent and ordered him to pay ALL the money back!! Ouch! He never thought it could happen. He still doesn't have a clue how they found out!! No lie, I'll give you his name and you can google it because it was a top story at that time!
Is my boyfriend using me for my money?
I can't believe you're even debating if you should give this loser money. Break up asap. You deserve better than this guy. He sounds really immature and all that's going to come out of this relationship is heartache, and misery. Guys are supposed to take you out on dinners or at least provide for you in some way.
What excuse should I make to ask for money from my parents for the loan I need to pay to a friend?
Say bluntly double of how much you need to borrow from themAfter watching their reaction:—1) just say you were kidding, if it turns out to be a violent reaction2) if it's normal for them just tell the actual amount you want .Both sides happy :)Lifehacks
Has anyone ever used Oasis Legal Finance and if so what was your experience with them?
It has the word LEGAL in it. I guess its not ILLEGAL like all other finance companies in the united states. If they ask for money up front. Lets say a $250 for processing, run away as fast as you can. Fees are always added to the loan amount. If you are on the internet, call the 800 number and see if anyone answers. Google the company name along with the word complaints. If it has the word LEGAL in it, make sure you call, and ask them why that word is in there. What would be ILLEGAL fianance company? There is a company called DEBTCO, that does LEGAL bankruptcies, they are scamming people. To me, legal means, that someone that has had experience in illegal is doing it. I wonder how you can do a bankruptcy illegaly. /
When buying a house or car, should I pay a big down payment or use that money for the first month's payment?
With either scenario, the money will be going to the principle, so it will have approximately the same affect on the balance owed. However, there are two benefits to going with a larger down payment than to pay a larger first payment.1. Interest rates. When borrowing money, most banks and lenders will offer you a lower interest rate if you put down a larger down payment because there is less risk that you will default on the debt, and if you do, there is a better chance that they will get their money back if they have to repossess and sell the house or car. Over the life of a 30 year mortgage, even a 1% difference in interest can be 10s of thousands of dollars.2. Monthly payments. When a loan payment is calculated for a car or home loan, it is calculated based on the amount borrowed plus expected interest divided by the length of time that the loan is taken out for. Once this is calculated, this amount is the minimum that you pay every month until you pay off the loan. I pay extra on my house and car loans every month. Even though I may pay an extra $50 this month on my house payment, next month's payment is still the payment amount that was calculated when I first got the loan. The difference of paying the extra $50 is that I will pay the house off a few weeks earlier than if I just paid the minimum payment. So if you put up a larger down payment, your monthly payments will be calculated lower than if you didn't and waited until the first payment to pay the money on the loan. It is usually better to take the lower payment (even if you could afford the higher one) just in case something happens (like losing your job or getting sick) because there is a better chance that you might still be able to come up with the money to make the payment. If you can afford a $400 payment, but by putting a larger down payment, your payments are only $250, then pay the larger amount that you can afford and pay the loan off faster. If something bad happens, then $250 will be easier to afford than $400.I am sure that there are several more benefits to a larger down payment than to pay a larger first payment, but those two are the two biggest benefits.