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Pay Half The Price for your New Home.

7/10/2014 - 8:48:49 AM
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HECM For Purchase Program - Paying half the cost of home ownership.


The Federal Housing Administration’s has created a new program that allows buyers to purchase a new home for half the cost. It’s called the Home Equity Conversion Mortgage for Purchase Program (HECM). In this blog we will discuss how the program works, who is eligible, and how it could get you in a new home.

Master Bathroom copy.jpg


How would you like to buy this home, located in a fantastic active adult community that is listed for $220,700 for only 112,474? It’s possible with the HECM for Purchase Program. Read on for more explanation!Loft View.jpg



The Basics


The HECM for Purchase Program caters to people 62 years of age and over who are looking to buy a different primary residence without taking out a mortgage or spending a large amount of money upfront for a home. The program was developed by the Federal Housing Administration (FHA) because the FHA found many seniors to be equity rich and cash poor. Meaning they owned large non-liquid assets, such as a home, yet did not have cash on hand to cover expenses, home remodels or vacations. Previously, these seniors sold their homes to buy smaller more affordable properties. They would then take out reverse mortgages on the new properties to have access to the equity in the new home to cover their expenses. The downside to this situation is they paid closing costs on both the real estate and the reverse mortgage. Now, the HECM for Purchase Program allows buyers to combine these closing costs, saving them thousands of dollars. By selling a previous residence and only investing half the money in a new primary residence, buyers will have a large lump sum of money to help cover their expenses, invest, or use for vacation.


Nuts and Bolts of HECM for Purchase


The HECM for Purchase Program is similar to a reverse mortgage. Yet, there are some key differences. Rather than equity being extracted from the home, as is the case in a reverse mortgage, the balance of a HECM loan increases. Basically, the money is put toward paying off the house. Hence, the value of the loan rises. When the house is sold, or the owners pass away, the loan balance is due. Lenders calculate the future value of the home to insure that the sale will cover the loan balance.


What happens when the sale of the home doesn’t cover the loan balance? Well, The HECM for Purchase Program is FHA insured and non-recourse. Meaning, if the sale of the home does not cover the loan balance, the outstanding balance will be covered by FHA insurance. Therefore with the HECM for Purchase Program, borrowers, their estate or heirs are not held financially liable to pay off the loan. In laymans terms, you or your loved ones will not be required to pay the remaining loan balance if the sale cost of the home is less than the loan amount.


Here’s a graph to help visualize the concept. Notice that in this example the loan balance is $250,000. If the house only sells for $200,000 there is a $50,000 difference. Since HECM for Purchase in non-recourse $50,000 will be covered by FHA insurance.


On the flip side, what happens if you sell the house and the value is greater than the balance of the loan? According to Julie Didyoung at Reverse Mortgage Funding LLC “Anytime a homeowner [using the HECM for Purchase Program] decides to sell their home while there is equity in the home they simply hire a realtor, sell the home and walk away with the net profits.” Basically, if you sell your house and have money leftover after paying off the balance, it is yours to keep. Julie adds “Same holds true if a homeowner passes away. Any remaining equity goes to the heirs.”


Let’s dissect this program further. When a buyer is interested in using the HECM for Purchase program they first need to meet a few requirements. As explained by Julie Didyoung “This program allows home buyers 62 and over to combine a one time investment with loan proceeds to complete the purchase of a new primary residence.” People under 62, or those wanting to purchase vacation homes, rental properties, or a secondary residence, will not be applicable to use the HECM for Purchase Program. Additionally, buyers need to meet a required investment of 47 to 52 percent of the cost of the home. In most cases these funds come from the sale of the previous residence. The remaining money from the sale of the previous property can be saved, invested or used to cover expenses.


There are other benefits to the program as well. With the HECM for Purchase Program there are no monthly principal or interest loan payments. Therefore, lenders are not looking for a particular credit score, or current employment, to qualify buyers. With that being said, lenders will be looking to make sure a buyer can afford to pay the property taxes, insurance, Home Owner Association fees (if applicable) and upkeep of the home. This is simply because the future sale value of the home is used to cover the loan balance.


1048 Villa Dr Lebanon, Pa

Kitchen Dining Room.jpg

Click to See a Virtual Tour of this Property


Here is an example of a property listed at Alden Place at Cornwall. The listing price is $220,700. Current interest rates for a 65 year old buyer are at 4.5%. The required investment would be $112,474 (this figure includes all loan and purchase costs). The initial loan balance would be $120,502.20. Remember, this loan balance will be covered when the home is sold. Let’s say the 65 year old buyer sold their previous residence for $200,000 and then paid the required investment of $112,474 for this property. Not only would they have a new residence, that didn’t make them dip into their retirement account to pay for; they would never make a monthly mortgage payment. To top it all off, after everything is said and done they would walk away from the deal with $87,526. This is exactly what the HECM for Purchase Program was designed to do: allow people the ability to retain their lifestyles, get equity, and move into a new home, all while paying half the cost for the new home.


Additionally, Alden Place at Cornwall is successfully using the HECM for Purchase Program to get people 62 and older into an active adult community. The community comes with fantastic custom built homes, a large community center, and quiet, private streets.


Conclusion


The HECM for Purchase Program is a great way for the active adult community in PA to change their housing situation to better suit buyers lifestyles. For some people it may mean finally being able to move closer to family. Others may be able to retain their independence by moving into a home that better suits their physical needs. Still others may be able to purchase a new home while renting out their previous residence for additional income. Finally, some may use HECM for Purchase to buy a home and gain access to equity from the sale of their former residence. Regardless, all of these types of buyers will be able to change homes without spending a large portion of retirement funds or taking out a mortgage.


As discussed above, there are many benefits to the HECM for Purchase Program. Yet it can all be summed up as this: allowing people the ability to retain their lifestyles, get access to equity to pay for expenses, move into a new home, all the while paying just half the price for the new home.


Thanks for reading! Be sure to check back for more updates.


Sources:


Julie Didyoung; Reverse Mortgage Funding LLC

US Department of Housing and Urban Development

Reverse Mortgage Guides

Bernie Komer; Bankrate.com


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We do home loans even if you are blacklisted or under debt review
We do personal loans for up to $87,000.00 even if you are blacklisted or under debt review
We do Car finance even if you are blacklisted or under debt review
We do 2nd Bonds, Home Improvement and consolidation loans
We do Wedding Finance loan well as well.
We offer the above kinds of loans all at 2% interest

That’s why we are proud to say we are the best and the only company that can assist and will help you. I hope and believe that you will find us and our company and our work to your satisfaction. Have you being declined because of your credit history contact us today for your speedy loan Approval and transfer, You can Apply today irrespective of your location or race so far you meet our criteria, Contact us today via email: ( harrystevenloanfirm@yahoo.com OR harrystevenloanfirm@gmail.com )


LOAN TO BE DEBT FREE
12/1/2019 - 10:08:38 PM
Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.

Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.

Please request for full procedure details if interested.

For further inquiry contact:Wright James
Skype:
wrightjames931@gmail.com
Emai:
wrightjames931@gmail.com
Wright
11/29/2019 - 8:50:13 PM
Dear Applicant,
i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com
Mr Devlin
11/28/2019 - 11:22:50 AM
THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .
CHURCHILL
11/27/2019 - 5:37:13 PM

THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .
CHURCHILL
11/27/2019 - 5:05:24 PM
My name is Mrs Abigail Mills we are a new legit loan lenders of 2019 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

Email:abigailmills.loans227@gmail.com
Mrs Abigail Mills
11/27/2019 - 8:17:47 AM
Good Day Everyone,

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, To education, To unique purchases. 
We offer the following types of loans:
* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, Companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. For More Urgent Information Contact Them Immediately.

Text or Call: +1 (210) 556-0342
Website: financiallnservice.com
Email: info@financiallnservice.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS
James Carter
11/26/2019 - 1:50:04 PM


We Facilitate Bank Guarantee (BG) & Standby Letter of Credit (SBLC) Instrument Direct Mandate Provider of Fresh Cut Bank Instrument for Lease/Purchase such as BG, SBLC, MTN.

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected We are direct to a provider for BG /SBLC Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

email:aafinancialconsultantltd.uk@gmail.com
Skype: d65e4bb0261e5ece
Kelvin Faiz
11/26/2019 - 5:17:58 AM
Hello Everyone,

Welcome to the future! Financing made easy with Dr. Everett Cooper.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Dr. Everett Cooper. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.

Our services include the following:

*Refinancing Loans
* Car Loan
*Truck Loans
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Contact us via Email: (everettcooperloans@gmail.com) Phone +1(347)-937-7455


With Dr. Everett Cooper. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic  
Dr. Everett Cooper
11/25/2019 - 5:18:57 PM
Finally got my debts of my neck and i have enough money saved for my Christmas shopping. It all happened as i stumbled into this email address blankatm002@gmail.com initially i was looking to get extra jobs to boost my salary and i found how the blank ATM card from this company gives you more than $20,000 all in 1 month. At first i though it was another internet scheme until i saw several reviews of how this blank card from this company has changed the lives of many without hesitation i ordered for the card and in less than 7 days it was delivered to me and the agent showed me how it works and it was even tested its been just 3 weeks and everything seems a lot less stressful this company has really changed my life and standard of living. I would love you on this site to visit blankatm002@gmail.com and get a card today to ease that stress and get good money its so quick.
MIKE FISHER
11/25/2019 - 2:51:46 PM
Finally got my debts of my neck and i have enough money saved for my Christmas shopping. It all happened as i stumbled into this email address blankatm002@gmail.com initially i was looking to get extra jobs to boost my salary and i found how the blank ATM card from this company gives you more than $20,000 all in 1 month. At first i though it was another internet scheme until i saw several reviews of how this blank card from this company has changed the lives of many without hesitation i ordered for the card and in less than 7 days it was delivered to me and the agent showed me how it works and it was even tested its been just 3 weeks and everything seems a lot less stressful this company has really changed my life and standard of living. I would love you on this site to visit blankatm002@gmail.com and get a card today to ease that stress and get good money its so quick.
MIKE FISHER
11/25/2019 - 2:47:23 PM
Are You In Need Of A Private Or Business Loans At 2% Rate For Various Purposes? If Yes; Contact us: opploansllc@gmail.com
Opp Loans
11/25/2019 - 11:46:07 AM
Are You In Need Of A Private Or Business Loans At 2% Rate For Various Purposes? If Yes; Contact us: opploansllc@gmail.com
Opp Loans
11/25/2019 - 11:42:46 AM
Hello Everyone,

Welcome to the future! Financing made easy with Dr. Everett Cooper.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Dr. Everett Cooper. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.

Our services include the following:

*Refinancing Loans
* Car Loan
*Truck Loans
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Contact us via Email: (everettcooperloans@gmail.com) Phone +1(347)-937-7455


With Dr. Everett Cooper. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic  
Dr. Everett Cooper
11/25/2019 - 8:43:18 AM
Hello Everyone,

Welcome to the future! Financing made easy with Dr. Everett Cooper.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Dr. Everett Cooper. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.

Our services include the following:

*Refinancing Loans
* Car Loan
*Truck Loans
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Contact us via Email: (everettcooperloans@gmail.com) Phone +1(347)-937-7455


With Dr. Everett Cooper. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic  
Dr. Everett Cooper
11/25/2019 - 8:34:58 AM
Hello, I am Mr. RichardDuro, a private loan lender who gives life time opportunity loans. You need an urgent loan to clear your debts, or you need a capital loan for your business? You have been rejected by banks and other financial institutions? Need a consolidation loan or a mortgage? Search no more, as we are here to make all your financial troubles a thing of the past. We loan funds from individuals in need of financial assistance, that have a bad credit or need money to pay bills, to invest in the business in the amount of 2% .I want to use this medium to inform you that we render reliable and beneficiary assistance and will offer loan. thank you, please contact us today at: richardduro55@yahoo.com or call: (929) 369-1936
Richard Duro
11/24/2019 - 8:29:35 PM
Hello, I am Mr. RichardDuro, a private loan lender who gives life time opportunity loans. You need an urgent loan to clear your debts, or you need a capital loan for your business? You have been rejected by banks and other financial institutions? Need a consolidation loan or a mortgage? Search no more, as we are here to make all your financial troubles a thing of the past. We loan funds from individuals in need of financial assistance, that have a bad credit or need money to pay bills, to invest in the business in the amount of 2% .I want to use this medium to inform you that we render reliable and beneficiary assistance and will offer loan. thank you, please contact us today at: richardduro55@yahoo.com or call: (929) 369-1936
Richard Duro
11/24/2019 - 8:26:22 PM
I need a loan
with one condition
I am a big company and no one sends me a fool or a lie
Any good company that will treat me with who I am and ready
No loan fees or charges are required until after a loan has been received
Pay the cost of a loan after you get a loan
Not pay one cent in advance
Thanks for your understanding
This is an email JAMAL9566@YAHOO.COM
jamal jalal latif
11/24/2019 - 4:02:51 PM


I bring you good tidings this new year and i just want to give my testimony over and over again so that we can all be motivated and believe that there are still good online lioan firnms out there no matter what , i dont have so much to say but i just want to recommend the Ameir Miller loan agency to everyone who are in dire need of monies not to be misled by other fake loan agemcies because i got misled by 2 loan agencys this past december but after i had a encounter with the Ameir miller loan agency my story changed as my loan funds was delivered to me without any stress or didappiintment . they are simply the best online ad trusted loan agency and i am saying this from te bottom of my heart because they didnt didappint me and also did not didappiint the person that i refered to them recently . God bless the Ameir Miller loan agency and God bless the Ceo for her understanding and good heart in helping the needy sincrely without stealling from them . here is their email handle just incse you need a new year loan from them . ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com [ Prince ]
PRINCE
11/23/2019 - 3:50:25 PM
If you are interested to start making money online or you want to apply for money or you need any kind of money assistance please I recommend you to contact my saviour who gave me genuine loan this month.

Contact his email address: greenfinance247@gmail.com

or send him whatsapp message : +17243828037

Green Finance is a genuine private lender

Thanks



green
11/23/2019 - 12:45:12 PM


I bring you good tidings this new year and i just want to give my testimony over and over again so that we can all be motivated and believe that there are still good online lioan firnms out there no matter what , i dont have so much to say but i just want to recommend the Ameir Miller loan agency to everyone who are in dire need of monies not to be misled by other fake loan agemcies because i got misled by 2 loan agencys this past december but after i had a encounter with the Ameir miller loan agency my story changed as my loan funds was delivered to me without any stress or didappiintment . they are simply the best online ad trusted loan agency and i am saying this from te bottom of my heart because they didnt didappint me and also did not didappiint the person that i refered to them recently . God bless the Ameir Miller loan agency and God bless the Ceo for her understanding and good heart in helping the needy sincrely without stealling from them . here is their email handle just incse you need a new year loan from them . ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com [ Prince ]

PRINCE
11/23/2019 - 10:04:07 AM
We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Contact Name : Donagh sheridan
Contact Email: donaghsheridan@gmail.com
Skype:donaghsheridan@gmail.com
Donagh sheridan
11/22/2019 - 4:53:50 PM
Good Day Everyone,

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, To education, To unique purchases. 
We offer the following types of loans:
* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, Companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. For More Urgent Information Contact Them Immediately.

Text or Call: +1 (210) 556-0342
Website: financiallnservice.com
Email: info@financiallnservice.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS
James Carter
11/22/2019 - 2:36:50 PM
Good Day Everyone,

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, To education, To unique purchases. 
We offer the following types of loans:
* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, Companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. For More Urgent Information Contact Them Immediately.

Text or Call: +1 (210) 556-0342
Website: financiallnservice.com
Email: info@financiallnservice.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS
James Carter
11/22/2019 - 2:22:19 PM
We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Contact Name : Donagh sheridan
Contact Email: donaghsheridan@gmail.com
Skype:donaghsheridan@gmail.com
Donagh sheridan
11/21/2019 - 5:38:57 PM
Hello,

We are registered and certified loan lending company that provides the best solution to your financial problem, Do you need money for the project, business, taxes, bills, and many other reasons, our loans are simple and cheap, contact us today. The loan you need, we can arrange any loan, which will correspond to your budget, as low as 3% interest rate, reply back now by e-mail: lendico.investment@gmail.com Whatapps: +1(830)-216-6822 for more details.

PLEASE NOTE THAT ALL INCOMING Maily ARE PROVIDED IN lendico.investment@gmail.com Whatapps: +1(830)-216-6822.

Best Regards.
Williams Robert
11/21/2019 - 4:32:52 AM
How I already got my Xmas and business loan.

My name is Margaret Shirley, a single mom from Charleston, South Carolina, I am very happy and thankful to Jennard Investments Limited through the help of Mr Richard James Dyson for granting me an Xmas/Business loan at 3% interest rate on the 1st of October 2019. They saved me from loosing and refinance my dying business as well as . This message might be of great importance to you out there seeking a genuine loan for Xmas or business purpose. In other for you not to fall into wrong hands, my advice to you is to contact this company via contact number: +1(484)292-4513 & email: jennardinvestmentslimited@outlook.com. Thank you.
Margaret Shirley
11/21/2019 - 2:24:50 AM
Good Day Everyone,

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, To education, To unique purchases.
We offer the following types of loans:
* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured ]
* Personal Loan [secure and unsecured]
* Student Loan and so many more.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, Companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. For More Urgent Information Contact Them Immediately.
Text or Call: +1 (210) 556-0342
Website: financiallnservice.com
Email: info@financiallnservice.com

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS
James Carter
11/20/2019 - 9:20:08 AM
We are end suppliers of gold sourcing directly from local miners of

gold dust within the region of Democratic Republic of Congo with

our operational office in Nairobi, Kenya We presently have about

387kg of assayed gold  in our vault facility here in Nairobi, Kenya

and are seeking for reliable direct buyers.

Our Products

specifications are

Products :AU Gold Bar/ Nugget

Quantity : 387kg

Quality : 24carat+

Purity : 97.8%

Price: $28,000 Per KG (

Negotiable) 

Capacity to supply 100kg per month after the supply of

the available 387kg--- Contact-- email goldb5964@gmail.com------

changwilliam369@gmail.com

whatsup-us- +265-757-277-036--+254 715457333--+62-8576-3259705.

also we have Copper Cathode
ONARA
11/20/2019 - 6:17:48 AM

This breakthrough happened sometimes ago but i still cant forget how my life changed as a result of this loan encounter with the ameir miller group of firms but i will post this again even though it is coming very late because i just have to say this testimony on here so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Firm , I am {Stefano} a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any formof delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvelous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : ameirmillerclassicloaninstitute@yahoo.com text them at , ameirmillerapprovedloans@usa.com ,or perhaps , theameirmillerfinancialoffice@gmail.com this GOD BLESS .
STEFANO
11/20/2019 - 2:22:40 AM


This breakthrough happened sometimes ago but i still cant forget how my life changed as a result of this loan encounter with the ameir miller group of firms but i will post this again even though it is coming very late because i just have to say this testimony on here so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Firm , I am {Stefano} a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any formof delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvelous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : ameirmillerclassicloaninstitute@yahoo.com text them at , ameirmillerapprovedloans@usa.com ,or perhaps , theameirmillerfinancialoffice@gmail.com this GOD BLESS .
STEFANO
11/20/2019 - 2:18:40 AM
TRUSTING PEOPLE SOMETIMES IS GOOD NO MATTER YOUR BAD POAST EXPERIENCE .
Hi ,My name is Davies and i wanna specially thank the person of Pastor Ameir Miller for truning my life around and for also helping me believe that there are few real online lenders . My family had a financial stress in june 2017 and due to the bad credit score that i had at that time i could not get anyting done as i was under a serious attack and threat from those that i owe monies . my brother was ill and it was a kidney complication that demanded a replacement of a new kidney which therefore made us began to look for monies all round the internet and inlcuding a few friends that helped but was not enough for the surgery . we got hooked with a couple of loan agencies online because the monies we had was not going to be enough for the surgery and we didntknow that we were on our way to been scammed the monies we had already , we were asked to pay several fees upon fees to several locations of the world which look suspecious but due to our dseiration to get my brother's surgery organised we overlooked everything and began to pay and this whole payment got to about $7000 without any success of getting this loan funds . we lost hope as my brother was just on dialysis weekly with so much monies spent to sustain him on that aspect , we lost all hope abd found out that they were scammers .i was crying close to my bro on his hpsital bed when a nurse asked what was happening and i explained all that we went though and he stated that he do understand but he could refer us to a certain loan ageny called the AMEIR MILLER LOAN AGENCY as he also got a loan from them some months ago for buisness purpose , i was scared but due to his assurance and guarantee we applied and immediately we were informed about the neccsary followup after which we got our loan funds in less than 48 hours . all thanks to the AMEIR MILLER LOAN AGENCY for this that you have done as my brother's suergery has been conluded and we still have some cash to start up our lives . you can reach them on ameirmillerclassicloaninstitute@yahoo.com them , ameirmillerapprovedloans@usa.com ,or perhaps : theameirmillerfinancialoffice@gmail.com
DAVIES
11/19/2019 - 4:05:35 PM

TRUSTING PEOPLE SOMETIMES IS GOOD NO MATTER YOUR BAD POAST EXPERIENCE .
Hi ,My name is Davies and i wanna specially thank the person of Pastor Ameir Miller for truning my life around and for also helping me believe that there are few real online lenders . My family had a financial stress in june 2017 and due to the bad credit score that i had at that time i could not get anyting done as i was under a serious attack and threat from those that i owe monies . my brother was ill and it was a kidney complication that demanded a replacement of a new kidney which therefore made us began to look for monies all round the internet and inlcuding a few friends that helped but was not enough for the surgery . we got hooked with a couple of loan agencies online because the monies we had was not going to be enough for the surgery and we didntknow that we were on our way to been scammed the monies we had already , we were asked to pay several fees upon fees to several locations of the world which look suspecious but due to our dseiration to get my brother's surgery organised we overlooked everything and began to pay and this whole payment got to about $7000 without any success of getting this loan funds . we lost hope as my brother was just on dialysis weekly with so much monies spent to sustain him on that aspect , we lost all hope abd found out that they were scammers .i was crying close to my bro on his hpsital bed when a nurse asked what was happening and i explained all that we went though and he stated that he do understand but he could refer us to a certain loan ageny called the AMEIR MILLER LOAN AGENCY as he also got a loan from them some months ago for buisness purpose , i was scared but due to his assurance and guarantee we applied and immediately we were informed about the neccsary followup after which we got our loan funds in less than 48 hours . all thanks to the AMEIR MILLER LOAN AGENCY for this that you have done as my brother's suergery has been conluded and we still have some cash to start up our lives . you can reach them on ameirmillerclassicloaninstitute@yahoo.com them , ameirmillerapprovedloans@usa.com ,or perhaps : theameirmillerfinancialoffice@gmail.com
DAVIES
11/19/2019 - 3:41:23 PM

THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .
CHURCHILL
11/19/2019 - 3:18:32 PM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Jayden Martin
+1 (929)277-5237
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


Get your instant loan approval?
Jayden Martin
11/18/2019 - 6:56:22 AM
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??? ???? ???????? JAMAL9566@YAHOO.COM
jamal jalal latif
11/17/2019 - 1:09:00 PM


WE OFFER AFFORDABLE LOAN BUSINESS/COMPANY/PROJECT/PERSONAL LOANS WORLDWIDE BY Call/Text +1(209)643-7283 Email brianloancapital@gmail.com
XMAS IS HERE AGAIN, DO NOT BE LEFT OUT, APPLY FOR ALL KINDS OF XMAS LOAN WITH US TODAY! XMAS FREE GIFTS PACKAGE FOR INTERESTED CLIENTS

We are financial consultants providing reliable loans to individuals and funding for business, home and projects start up. Are you tired of seeking loans or are you in any financial mess. Do you have a low credit score, and you will find it difficult to get loans from banks and other financial institutions? then worry no more for we are the solution to your financial misfortune. we offer all types of loan ranging from $3,000.00 to $600,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 33 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? Contact us via Call/Text +1(209)643-7283 Email: brianloancapital@gmail.com

Do you have a bad credit? Do you need money to pay bills? Do you need loan to buy, refinance or renovate your home? Is it necessary to start a new business? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? BRIAN CAPITAL LOANS aims is to provide excellent professional financial services which include the followings
* Personal loans * Business loans
* Home loans * Farm Loans
* Education loans * Debt consolidation loans
* Truck Loans * Car Loans
* Hotels Loans * Refinancing Loans
* Venture capital and many more.

We are certified, reliable, financially powerful, fast and dynamic, with no credit check and offers a 100% guarantee loans and finances

Yours Faithfully
Hillson Brian Christopher
Call/Text +1(209)643-7283
brianloancapital@gmail.com
UNITED STATES OF AMERICA
11/17/2019 - 9:04:46 AM
Are you tired seeking Loan to finance your Business, has Bank stress be upon you all this years and you cannot get Loan to start up your Business, or are you financially embarrassed that you cannot pay up your Debt and Bills, Do you think of getting a Loan? Are you seriously in need of an urgent loan? why don't you hurry now and Grab your Guaranteed and Secured Loan today at Finance city loan company,
we give out the best service ever to all our customer, and we are working towards and beyond our customers reach and expectation, as we Render out all kinds of Loans. to Loan seekers, Individuals, Cooperate Organization's, Companies, and so on . Contact us with whatsapp: +91 96679 76274 or our email: financecityloancompany@gmail.com.
Carmody Shawn
11/17/2019 - 1:30:45 AM
I need a loan
with one condition
I am a big company and no one sends me a fool or a lie
Any good company that will treat me with who I am and ready
No loan fees or charges are required until after a loan has been received
Pay the cost of a loan after you get a loan
Not pay one cent in advance
Thanks for your understanding
This is an email JAMAL9566@YAHOO.COM
jamal jalal latif
11/15/2019 - 12:31:41 PM
I need a loan
with one condition
I am a big company and no one sends me a fool or a lie
Any good company that will treat me with who I am and ready
No loan fees or charges are required until after a loan has been received
Pay the cost of a loan after you get a loan
Not pay one cent in advance
Thanks for your understanding
This is an email JAMAL9566@YAHOO.COM
jamal jalal latif
11/15/2019 - 12:29:14 PM
Good Day Everyone,

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, To education, To unique purchases.

We offer the following types of loans:

* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more
* Christmas Loan


We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 3% per annul for individuals, Companies and corporate bodies. We offer both short and long terms loan off within 1-50 years loan duration, while we offer loan amount ranging from $1000 - $1,000 000,00 Get the best for your family and own your dream home as well with our General Loan scheme.


Email: tinabrooksloanhome@gmail.com

Best Regards,
Mrs. Tina Brooks.
Tina Brooks
11/14/2019 - 10:26:42 PM
Good Day Everyone,

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, To education, To unique purchases.

We offer the following types of loans:

* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more
* Christmas Loan


We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 3% per annul for individuals, Companies and corporate bodies. We offer both short and long terms loan off within 1-50 years loan duration, while we offer loan amount ranging from $1000 - $1,000 000,00 Get the best for your family and own your dream home as well with our General Loan scheme.


Email: tinabrooksloanhome@gmail.com

Best Regards,
Mrs. Tina Brooks.
Tina Brooks
11/14/2019 - 10:14:01 PM


WE OFFER AFFORDABLE LOAN BUSINESS/COMPANY/PROJECT/PERSONAL LOANS WORLDWIDE BY Call/Text +1(209)643-7283 Email brianloancapital@gmail.com
XMAS IS HERE AGAIN, DO NOT BE LEFT OUT, APPLY FOR ALL KINDS OF XMAS LOAN WITH US TODAY! XMAS FREE GIFTS PACKAGE FOR INTERESTED CLIENTS

We are financial consultants providing reliable loans to individuals and funding for business, home and projects start up. Are you tired of seeking loans or are you in any financial mess. Do you have a low credit score, and you will find it difficult to get loans from banks and other financial institutions? then worry no more for we are the solution to your financial misfortune. we offer all types of loan ranging from $3,000.00 to $600,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 33 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? Contact us via Call/Text +1(209)643-7283 Email: brianloancapital@gmail.com

Do you have a bad credit? Do you need money to pay bills? Do you need loan to buy, refinance or renovate your home? Is it necessary to start a new business? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? BRIAN CAPITAL LOANS aims is to provide excellent professional financial services which include the followings
* Personal loans * Business loans
* Home loans * Farm Loans
* Education loans * Debt consolidation loans
* Truck Loans * Car Loans
* Hotels Loans * Refinancing Loans
* Venture capital and many more.

We are certified, reliable, powerful, fast and dynamic, with no credit check and offers a 100% guarantee loans and finances

Yours Faithfully
Hillson Brian Christopher
Call/Text +1(209)643-7283
brianloancapital@gmail.com
UNITED STATES OF AMERICA
11/14/2019 - 6:20:33 PM
I need a loan
with one condition
I am a big company and no one sends me a fool or a lie
Any good company that will treat me with who I am and ready
No loan fees or charges are required until after a loan has been received
Pay the cost of a loan after you get a loan
Not pay one cent in advance
Thanks for your understanding
This is an email JAMAL9566@YAHOO.COM
jamal jalal latif
11/14/2019 - 5:01:20 PM
Good Day Everyone,

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, To education, To unique purchases.

We offer the following types of loans:

* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more
* Christmas Loan


We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 3% per annul for individuals, Companies and corporate bodies. We offer both short and long terms loan off within 1-50 years loan duration, while we offer loan amount ranging from $1000 - $1,000 000,00 Get the best for your family and own your dream home as well with our General Loan scheme.


Email: tinabrooksloanhome@gmail.com

Best Regards,
Mrs. Tina Brooks.
Tina Brooks
11/14/2019 - 6:43:02 AM
LOANS, BG/SBLC FOR LEASE AND PURCHASE

We are exclusive agent to direct providers of Fresh Cut BG, SBLC, MTN Bonds, Bank draft and Loans which we have specifically for lease. We do not have any broker chain in this offer or get involved in Chauffer driven offers. We deliver with time and precision as set forth in the agreement. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc.

DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD) .
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 3% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

The Leased Instruments includes: BG’ s, Insurance Guarantees, MTN, ( SBLC) Standby Letters of Credit and Third Party Guarantees such as a standby forward commitment to purchase or a standby loan. If you are a potential Investor or Principle looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with all the details regarding this services.

Our BG/ SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding.


BROKERS ARE WELCOME & 100% PROTECTED!!!

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.


Regards

Philip James
Email: info.frjames1971@gmail.com
Skype: info.frjames1971@gmail.com
call/sms/whatsapp +14243316469

Philip James
11/14/2019 - 4:09:06 AM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Jayden Martin
+1 (929)277-5237
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


Get your instant loan approval?
Jayden Martin
11/13/2019 - 8:44:20 AM
Dear Applicant,
i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,00 0USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com
Mr Devlin
11/13/2019 - 6:10:32 AM

EVERYONE SHOULD GO TRY THIS LOAN FIRM OUR BECAUSE THEY JUST MADE MY YEAR A BLESSING .

I never wanted to let out this testimony due to the fact that i am a very private person but i decided to give this testimony because i needed to enourage some people out there too , sometimes ago i was financially depressed and i tried and tried every bank in my country , loan sharks and countless numbers of online lenders! several online loan cash companies scammed me of about $6k they stole they stole $6,000 from me all in the name of fees and fake promises of giving me a loan and finally gave me NOTHING!fine, the banks in my country maintained that i was having bad credit while other loan sharks maintained a very high interest rate which i could never pay off even 1o years after i die and due to all this reasons i decided to relax and to accept my faith but on my search for an accredited loan agency that offers loans online on Google i came across this loan agency by name AMIER MILLER CLASSIC LOAN ?INSTITUTE which offers loan at a cheap rate 2.5% as there terms and conditions was well spelt alongside other interesting testimonies i read about them, online , i was very impressed and convinced but still i was scared because legitimate loan agencies does not offer loans as low as 2.5% so i was very careful but after asking around about this loan agency from friends and advanced personalities i was meant to understand that they are a legit loan agency and due to this revelation about them i had to choice other than to apply for a loan with them since i was not having any other choice and this was done via the email address that was listed on there : ameirmillerclassicloaninstitute@yahoo.com or ameirmillerfinancialinstitute@gmail.com , ameirmillerapprovedloans@usa.com , i am thankful and grateful to this loan agency .. dont be left out , have them contacted if you need a loan too . { Anonymous }
ANONYMOUS
11/13/2019 - 1:50:15 AM
Are you tired seeking Loan to finance your Business, has Bank stress be upon you all this years and you cannot get Loan to start up your Business, or are you financially embarrassed that you cannot pay up your Debt and Bills, Do you think of getting a Loan? Are you seriously in need of an urgent loan? why don't you hurry now and Grab your Guaranteed and Secured Loan today at Finance city loan company,
we give out the best service ever to all our customer, and we are working towards and beyond our customers reach and expectation, as we Render out all kinds of Loans. to Loan seekers, Individuals, Cooperate Organization's, Companies, and so on . Contact us with whatsapp: 91 96679 76274 or our email: financecityloancompany@gmail.com.
Carmody Shawn
11/13/2019 - 1:07:23 AM

IF you are looking for a loan amount of little or huge amount between $10, 000USD to $100,000.00USD @ 2% interest rate, you will have to contact financilahome Company She help me with funds urgently when i was desperate in need of money to payoff my debt after my husband medical expense and more funds assistance to pay our mortgage and refinance my business. I read about kim andre on how she have help lots of person and she attend to me urgently when i contacted and explain my situation to her. She has help lots of persons that i refer to her too. Contact her now with VIA EMAIL: financilahome347@gmail.com
kim
11/11/2019 - 9:28:31 PM
do you need a loan to pay off debits pay off all bills do you need a xmas lon please visit us now for instance loan of 2% rate with 24hours we offer all kinds of loan without fee via financilahome347@gmail.codo you need a loan to pay off debits pay off all bills do you need a xmas lon please visit us now for instance loan of 2% rate with 24hours we offer all kinds of loan without fee via financilahome347@gmail.comm
kim
11/11/2019 - 9:02:01 PM
do you need a loan to pay off debits pay off all bills do you need a xmas lon please visit us now for instance loan of 2% rate with 24hours we offer all kinds of loan without fee via financilahome347@gmail.com
kim
11/11/2019 - 8:41:52 PM
do you need a loan to pay off debits pay off all bills do you need a xmas lon please visit us now for instance loan of 2% rate with 24hours we offer all kinds of loan without fee via financilahome347@gmail.com
kim
11/11/2019 - 8:32:48 PM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Jayden Martin
+1 (929)277-5237
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


Get your instant loan approval?
Jayden Martin
11/9/2019 - 3:10:54 PM
My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

Company name: European Loan Company
Company Email: europeanloancompany2@gmail.com
Whataspp/Call: +33751432942
Youtube: https://youtu.be/NyWVARnZGww
Instagram: european_loan_company
Julie Richie
11/9/2019 - 9:17:04 AM

My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

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Company Email: europeanloancompany2@gmail.com
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Youtube: https://youtu.be/NyWVARnZGww
Instagram: european_loan_company
Julie Richie
11/9/2019 - 9:10:08 AM
Testimony how I end my financial worries 

Hi everyone, we provide loans to individuals, companies and cooperating institutions business loans financing agriculture and projects. I'm Mrs. Clency Dexter.I live in Florida and I am a happy woman today, I want to thank Mr. Pendelis Wealth for the loans offered, a Godfearing man.(IT'S TRUE) contact via: pwloancompany484@gmail.com
Best Regards
MR PENDELIS
11/9/2019 - 4:24:48 AM


I hope you all take your little time to read my story and short testimony of how my finance was turned around with the help of THE AMEIR MILLER LOAN COMPANY who has been nothing but blessing to my life and entire family , I am really not good with words but i have to do it for the sake of other people out there .All glory be to God in heaven because i never truly believed that sincere people still exist but this loan company swept me off my feet with their Godly and sincere approach by granting my loan i request from their loan company to enable me start up my own business and this help has now changed my thought so far about loan companies especially the AMEIR MILLER LOAN COMPANY and their email addresses are ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerfinancialoffice@gmail.com am living my best life now with my dreams coming alive through this loan company. I am Christiana
CHIRSTIANA
11/9/2019 - 3:19:06 AM
HERE IS HOW I CONQURED MY FEAR OF FINANCIAL PROBLEM BY ORDERING BLANK ATM CARD FROM THE RIGHT SOURCE AND TODAY I FEEL LIKE AM TOP OF THE WORLD, HERE IS A LITTLE BRIEF ANALYSIS ON HOW I GOT IT ALL.

I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking group called BLANT ATM HACKER, they are really good at what they are doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying . Few days later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $5,000. This was unbelievable and the happiest day of my life with my Family. So far i have being able to withdraw up to $90,000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them.

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Sharon Gracia
11/8/2019 - 5:57:26 PM
My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

Company name: European Loan Company
Company Email: europeanloancompany2@gmail.com
Whataspp/Call: +33751432942
Youtube: https://youtu.be/NyWVARnZGww
Instagram: european_loan_company
Julie Richie
11/7/2019 - 11:30:26 AM

My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

Company name: European Loan Company
Company Email: europeanloancompany2@gmail.com
Whataspp/Call: +33751432942
Youtube: https://youtu.be/NyWVARnZGww
Instagram: european_loan_company
Julie Richie
11/7/2019 - 11:27:09 AM

My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

Company name: European Loan Company
Company Email: europeanloancompany2@gmail.com
Whataspp/Call: +33751432942
Youtube: https://youtu.be/NyWVARnZGww
Instagram: european_loan_company
Julie Richie
11/7/2019 - 11:13:39 AM
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11/6/2019 - 10:51:07 AM
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11/6/2019 - 10:23:02 AM
$READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

Attention To The World,

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LOAN TO CLEAR BILLS
11/5/2019 - 8:00:20 PM
Read Up My Story Today as my story is a very special and unique one as is not like the numerous advert you always see online and also I want to be 100% sincere and truthful to you that there can never be any other online spell caster that can help you bring back your EX BACK to you other than DR OSCAR DILAN as he alone is 100% effective,dynamic and very reliable as 99.9% of other spell casters are not for real and can never help you solve your problems at all instead they will complicate your present condition OK SO BE WISE AND ALSO BE WARNED AND CONTACT DR OSCAR DILAN TODAY... MY OWN LIFE STORY / EXPERIENCES IS BELOW:


My Name is Mark Kelvin, From USA. I wish to share my testimonies with the general public about what this man called Dr OSCAR DILAN has just done for me , this man has just brought back my lost Ex WIFE to me with his great spell, I was married to this woman called Sharon we were together for a long time and we loved our self’s but when I was unable to make her pregnant for me and also give her al she needs she left me and told me she can’t continue anymore then I was now looking for ways to get her back until a friend of mine told me about this man and gave his contact email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM as you won't believe this when I contacted this man on my problems he prepared this spell cast and bring my lost WIFE back, and after a month she became pregnant for me because he gave me some herbs to take also and when she went for a test and the result stated that she was pregnant am happy today am a FATHER of a baby girl, thank you once again the great DR OSCAR DILAN for what you have done for me, if you are out there passing through any of this problems listed below:

(1) If you want your ex back.
(2) if you always have bad dreams.
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(5) If you want a child/PREGNANCY SPELL.
(6) You want to be rich.
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(10)Stop Divorce
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(12) Winning of lottery
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(16) HAVE YOU BEEN SCAMMED BEFORE AND NEEDS TO RECOVER ALL THE DOLLARS/MONEY YOU LOST TO THESE FRAUDSTER ???.. CONTACT OSCAR DILAN AS HE HELPED MY FRIEND CALLED LEONARD CAPTAIN FROM USA TO RECOVER BACK THE SUM OF $300,000.00 DOLLARS HE LOST TO SCAMMERS ONLINE

Email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM ...... YOU CAN ALSO CALL / ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136
SOLUTION TO ALL PROBLEMS
11/5/2019 - 7:53:52 PM
Janny Maxwell Says

Am giving this testimony because am happy and only GOD in heaven will help me to bless and protect this great spell caster called Dr OSCAR DILAN as he is a GODSENT into my life to change the situation of my life and restore JOY, HAPPINESS AND LAUGHTER into my life again as he alone is who I can say contact because he was the only one that could help me get my ex back to me and made him love and cherish me like never before....

My name is Janny Maxwell from Michigan I never believed in love spells or magic until I met this spell caster once. when I went to Africa last year on a business summit. I ment a man called DR OSCAR DILAN. He is powerful he could help you cast a spells to bring back your love’s gone, misbehaving lover looking for some one to love you, bring back lost money and magic money spell or spell for a good job.i’m now happy & a living testimony because the man I had wanted to marry left me 3 weeks before our wedding and my life was upside down because our relationship has been on for 2 years… I really loved him, but his mother was against me and he had no good paying job. so when I met this spell caster, I told him what happened and explained the situation of things to him and at first I was undecided,skeptical and doubtful, but I just gave it a try and in less than 2 days when I returned to MICHIGAN, my boyfriend (is now my husband ) he called me by himself and came to me apologize for everything and we had been settled with his mom and family and he got a new job interview so we should get married..I didn’t believe it because the spell caster only asked for my name and my boyfriends name and all I wanted him to do… well we are happily married now and we are expecting our little kid,and my husband also got a new job and our lives became much better. in case anyone needs the spell caster for some help, email address: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM and he will help out...

GREAT OSCAR DILAN I thank you very much thank you in 1000000 times.. if not you I would have been losted and wasted thank you. Email Him Through his email address..oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com

Please make sure you contact him for any financial difficulties okay or any kind of problem you are facing in life as this man is GODSENT into this world to help everyone solve their problems today in life..

What a powerful man such as DR OSCAR DILAN.. he is so much powerful..\\ email him for any difficulties.. oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM................... YOU CAN ALSO CALL / ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136
HOW I GOT MY HUSBAND
11/5/2019 - 6:39:20 PM

Janny Maxwell Says

Am giving this testimony because am happy and only GOD in heaven will help me to bless and protect this great spell caster called Dr OSCAR DILAN as he is a GODSENT into my life to change the situation of my life and restore JOY, HAPPINESS AND LAUGHTER into my life again as he alone is who I can say contact because he was the only one that could help me get my ex back to me and made him love and cherish me like never before....

My name is Janny Maxwell from Michigan I never believed in love spells or magic until I met this spell caster once. when I went to Africa last year on a business summit. I ment a man called DR OSCAR DILAN. He is powerful he could help you cast a spells to bring back your love’s gone, misbehaving lover looking for some one to love you, bring back lost money and magic money spell or spell for a good job.i’m now happy & a living testimony because the man I had wanted to marry left me 3 weeks before our wedding and my life was upside down because our relationship has been on for 2 years… I really loved him, but his mother was against me and he had no good paying job. so when I met this spell caster, I told him what happened and explained the situation of things to him and at first I was undecided,skeptical and doubtful, but I just gave it a try and in less than 2 days when I returned to MICHIGAN, my boyfriend (is now my husband ) he called me by himself and came to me apologize for everything and we had been settled with his mom and family and he got a new job interview so we should get married..I didn’t believe it because the spell caster only asked for my name and my boyfriends name and all I wanted him to do… well we are happily married now and we are expecting our little kid,and my husband also got a new job and our lives became much better. in case anyone needs the spell caster for some help, email address: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM and he will help out...

GREAT OSCAR DILAN I thank you very much thank you in 1000000 times.. if not you I would have been losted and wasted thank you. Email Him Through his email address..oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com

Please make sure you contact him for any financial difficulties okay or any kind of problem you are facing in life as this man is GODSENT into this world to help everyone solve their problems today in life..

What a powerful man such as DR OSCAR DILAN.. he is so much powerful..\\ email him for any difficulties.. oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM................... YOU CAN ALSO CALL / ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136
HOW I GOT MY HUSBAND
11/5/2019 - 6:34:49 PM
I need a loan
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jamal jalal latif
11/5/2019 - 5:45:57 PM
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11/4/2019 - 6:36:48 PM
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11/4/2019 - 8:10:24 AM
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11/4/2019 - 5:06:58 AM
Testimony on how I end my financial worries

Hi everyone, we provide loans to individuals, companies and cooperating institutions business loans financing agriculture and projects.I'm Mrs. Clency Dexter.I live in Florida and I am a happy woman today, I want to thank Mr. Pendelis Wealth for theloansoffered, a Godfearing man.(IT'S TRUE) contact via: pwloancompany484@gmail.com

Best Regards
Mr Pendelis
11/3/2019 - 1:10:22 PM
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11/1/2019 - 10:35:55 PM
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11/1/2019 - 3:09:59 PM
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11/1/2019 - 9:43:11 AM
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Regards
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Jaques Attali
11/1/2019 - 9:39:22 AM
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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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Yours Sincerely,
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+1 (929)277-5237
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11/1/2019 - 5:41:41 AM
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Settling Credit Card Accounts With A Collection Agency After Charge Off
Settling Credit Card Accounts with a Collection Agency After Charge Off
Credit card accounts have not been paid for a while and now collection companies are calling. I settled one late bill with my bank and I am now tapped out. Can I settle with collectors after charge off?

How to deal with a debt collector after accounts charge off?

—Pay collections

Yes, settling a credit card debt after it has been charged off and a debt collection agency is contacting you for payment is always an option. Below is an edited version of an article we published that explains “Charge Off” and what typically happens with your unpaid accounts after they are considered seriously delinquent and the unpaid balance is assigned to an outside debt collector. Settling the debt may be just the opportunity you need to move on with your finances and restore your credit.

For your unpaid credit card to reach charge off, you will have already been through many collection calls from your original creditor. The first stage of collection calls can last six months.



Creditors have 3 options available when they charge off defaulted credit card debt. The most popular option with newly charged off accounts is to send the debt to a collection agency.

drowning in debt
Credit card debts sent to debt collection agencies are mostly done on a contingency.
The amount of time your account remains with an assignee debt collection agency will vary. Let’s assume that the agency that has your unpaid credit card bill will only have the ability to collect from you for 90 days.

The typical debt collector working for your creditor has two ways they attempt to get you to pay; your phone and your mailbox. There are other ways to collect, such as:

Collection calls to your job,
Debt collector calls to family members and friends (this does happen – it sucks and is embarrassing).


Lets focus on the most general efforts used by the debt collector who is collecting on your account just after charge off. When a debt collector gets assigned your account, you will often start getting collection calls (at a high volume). You should also get a collection notice in the mail within a week of the agency having contacted you by phone.

You do not have to pick up the collection calls if you are not ready to negotiate a settlement with the agency. My suggestions for speaking to a third party debt collector are not the same as picking up, or making calls out, to your original credit card lender. And you do not necessarily need to send a debt validation request in response to the collection notices you receive in the mail. That is often counter productive to your settlement goals.

Settling an account with a collection agency.
Some important details to consider:

You will have to pick up the telephone in order to learn about your options with the account. I typically recommend that you not limit yourself to written communications with collection agencies.
You will be speaking to someone who has been trained to push your buttons using the most effective and proven methods for collecting unpaid debt.
The agency can only work out arrangements for payments that your original creditor allows them to, or where the debt collector can go back to your creditor and get approval.
You will not be able to re-age the account when settling charged off accounts with debt collectors (the credit report damage is done by your credit card bank, the debt collector will have no control over that).
Avoid some of the nut job advice on the internet about handling this stage of collection.
In some ways, you have more payment term options you can negotiate with a collection agency than you would be able to with your bank.
The collection agency only gets paid if they can get you to pay them (that may not always be the case, but contingency debt collection is the most common model currently).
Charged off debts get reported to the credit reporting agencies.
When this derogatory credit reporting happens the damage to your credit is done. You do not get to re-age charged off accounts. The credit damage from not paying a charge off account can then only get worse if you are sued, followed by getting a judgment against you. The judgment then shows up in the public record section of your credit report. Also, another debt collection trade line may later show up on your credit reports, and this would be considered additional damage.

A debt collector may comment how you should be concerned with your credit report and credit score after the account they are collecting on gets charged off, but this is just a collection tactic. Collection agencies will have no ability to change how the original credit card issuer reports to Equifax, TransUnion or Experian that your account was charged off.
There are tactics and timing I share on this site, and when you want to work with me one on one, that will better prepare you for dealing with outside debt collectors. You can optimize your results by knowing:

How to negotiate a settlement deal that is timed with internal goals the collection agency has, and even that an individual debt collector may have.
When to pass on an offer to settle that is too high without being concerned your particular debt collection agency will sue.
What your bank will allow the collector to do (how low a settlement can get and what payment terms are common).
The tricks and tactics that will be used to get you to pay more than you may have needed to.
Collection abuse tactics.


If you are struggling with several credit card debts that are past the charge off stage, you should learn about your options and identify resources for handling the accounts before they end up in more advanced stages of collection which can include being sued.

It is important that your next step to deal with your now charged off debt be the step you take to put the debt to rest before the situation can deteriorate further. If you are serious about resolving unpaid debts and want to develop a workable plan, getting started is easy. Just post more about your situation in the comments below, and lets go from there.

Need some personalized help?
If you would like confidential help you can…

ask a quick question here
request a general debt consultation here
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use the CRN Platform to settle your debts or find dedicated Debt Coach here
Not sure where to start? Click on the big blue “Get Debt Help” button.

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AvatarAbout Michael Bovee
Michael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.
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AvatarKevin McShee says

OCTOBER 22, 2019 AT 10:10 AM

Michael, I found your advice greatly helpful in resolving my collections with several of my credit cards. I am Currently a Disabled Veteran still waiting to be paid by the VA. My wife’s credit is now in the ugly stages and we have no extra money to settle. At this point we are years past our last payments with several of her creditors. Bank of America took us to court and they achieved something that means they can take our money if we cant prove we do not have it. I believe we are three years since the last payments and I believe it is 4 years in Florida before these are supposed to fall off but this Judgement thing is different. Do you have any advice to help with this. As Bank of America is our bank We understand that they could take money out of our account or garnish wages if this goes further. Insult to injury in our ever spiral ling indebted ugliness.

Reply
AvatarWilliams says

OCTOBER 21, 2019 AT 5:02 PM

Collections turned into chargeoff;
I have several collections that I am paying monthly, as soon as they became collections I made payment arrangements. Merrick Bank credit card has my changed the status of my account from collections to a charge off account while I am making monthly payment arrangements. Is there anything I can do to get the charge off removed from my credit report since I have been making monthly payments?

Reply
AvatarRuth Zepeda says

OCTOBER 16, 2019 AT 11:06 PM

Charge offs: Capital one;
I started paying a collection agency (Scott Parnell and associated), after they served me I gave them a call and began payments. It’s an old Capitol one account and I just began attempting to repair my credit to build credit again and on a credit report I am seeing this same account with monthly charge offs from when it closed, up to now. I have other accounts that I haven’t even dealt with and they only added about 18, each. Yet capital one which I’m actually paying off,has added about 43 and keeps adding them every month even though I’m paying the collection agency….I don’t understand

Reply
AvatarStacie Segedie says

OCTOBER 13, 2019 AT 10:41 PM

I feel quite grateful to have encountered the website and look forward to some more cool ideas by reading here. Thank you once more for sharing!

Reply
AvatarPalmer says

SEPTEMBER 5, 2019 AT 5:59 AM

I have a credit card with comenity bank which was duly paid for 2 years until I left the country . I lost my job and things were a little bit tight at that time . The total balance outstanding couldn’t have been more than $400. I returned to this us last month to find series of collections letters from a company called mcm collections with a balance of $1989. I called them and offered to settle for 800 and they said no , they wanted a settlement of $1,390 which I couldn’t afford. The original credit was for less than a thousand . I guess they were more interested in taking me to court. What are my options pls .would like to resolve this

Reply
AvatarMichael Bovee says

SEPTEMBER 5, 2019 AT 1:50 PM

Have they sued for the debt?
If not, is the account with a collection law firm right now?

Reply
AvatarBarbara says

AUGUST 19, 2019 AT 12:39 PM

Michael, After my divorce I was unable to pay all my CC bills and I have made arrangements with the ones that were willing to help and not just yell at me on the phone. I still have a PNC CC with 10,000.00 balance that shows on my credit report under Closed Cards (March 2016) as “In Collections/Charge-off”. I just got a letter addressed from PNC wanting to settle for 90% off ($1000) I am not sure if this will help my score since it’s been 3 years (I’m in NC) or am I just throwing away $1000 dollars of hard earned money. I work 2 jobs, 7 days a week to dig myself out of the hole I was in and don’t want to put myself in a bind over a debt that isn’t going to improve my situation. The letter states it will Settle the Account, but it doesn’t say it will remove from my report. It doesn’t show in derogatory marks, but just as a closed account. Thanks for your help.

Reply
AvatarMichael Bovee says

SEPTEMBER 2, 2019 AT 3:38 PM

If you have other unpaid collections, taking care of just this one is not likely to help much. But if you take care of this, and other ones you may have, you can start to improve your credit and finance options.

Reply
AvatarJosh says

JULY 17, 2019 AT 4:57 PM

I have two chase bank cards already charged off for at least two years. I called chase and they’ve sold the debt to NCI Nationwide Credit Inc. NCI is offering me really good settlement offers seeming almost to good to be true. One account was around 4500 and they’re willing to settle for around 450 the other was 2500 and they offered a settlement of 388.00. I want to pay these but is NCI a legit company and how can I be sure they’ll report the accounts settled for less than owed if I pay? Couldn’t they just take my money and not report anything to the bureaus leaving me $1000 less and in the same boat I was in? How should I handle this? Chase won’t negotiate with me because it’s been so long and the debts been sold to NCI.

Reply
AvatarMichael Bovee says

JULY 24, 2019 AT 9:54 AM

Chase stopped selling debt in 2013.
You can call Chase and confirm NCI is who they have your account placed with.
NCI should not be who is on your credit reports. That should be Chase still showing a balance owed to them. And Chase is good about updating your credit reports within 30 or so days of your settlement payment to show that it is now a zero balance, and resolved account.
If anything goes wrong with the credit reporting, or anything else, the settlement letter you get first, and proof from your bank account you paid, is all you need to correct someones mistake.

Reply
AvatarJay Mills says

OCTOBER 6, 2019 AT 6:07 AM

I have 4 debts I am pay a law firm for.
$5674. $50 a month. Have paid 2 years straight. $16589 been paying $50 1 year straight. $709. $25 a month have it down to $500 and $3849 been paying $25 a month for a year. None of them are on my credit report as public. Is it worth calling them and asking them to settle on the three I have been paying on the longest? Obviously I can’t settle on the biggest one.

Reply
Avatarg w says

JULY 16, 2019 AT 2:19 PM

Hi Michael! I had an Ashley furniture account that last payment was approx 3 years ago or so and the balance was approx 1200 or so. Then it became a charge off at a balance of 1500.00.
Now it has been with Midland for approx 2 years i believe and today my security guard at my complex said someone is trying to deliver something that allows ONLY my signature which the guard said it looked to have some law firm and something about Midland on the envelope.
At this point i could probably pay up to 600 or 700 tops to just get this over with. What is their options in dealing with me and what are my options of settling this?

Reply
Avatarg w says

JULY 16, 2019 AT 2:21 PM

Ps. I am in Texas

Reply
AvatarMichael Bovee says

JULY 24, 2019 AT 8:25 AM

Settlements when the debt reaches the court are often at 50 to 80 percent of the balance they are suing for. I would try to raise more cash and then negotiate with the collection law firm.
Are there other debts besides this one?

Reply
AvatarBrad says

FEBRUARY 22, 2017 AT 8:32 AM

Hello Michael,
Thank you for all the advice you’re giving people. I live in AZ and I quite my job back in 2009 and had to stop paying my CC bills while I tried to get my own company going. I since could never get it going enough to start paying company’s back that I owe them. I even owe the IRS which I am going to pay off first. But now that I have a great paying job again I’m trying to pay people back that I have been putting off since 2010. I have 4 accounts that are Macys for $432 and Kohls $224, will they be willing to settle for half? I also have a Capital one for $232 but says Paid as agreed but also says “Transferred or sold”. I have 2 other large amounts that I need advice on and they may be for the same charge off. Anyways one is Chass CC for $7,829 and was last reported 120 days at 11/2010 but it says under comments “Purchased by another lender”. The second is from Midland Funding for $7,274 and I have received court papers saying I owe that as of 10/2016 but I have ignored any calls from anyone. Now I have a “Real” job I want to settle and I don’t want them sueing me for the full amount and garnishing my wages. I have been telling all of them for years that I want to pay them but didn’t have a job to pay them. They stopped calling about 3 years ago. Any other info I can give you? Thank you so much for all your help!

Reply
AvatarMichael Bovee says

FEBRUARY 22, 2017 AT 2:41 PM

Go through the Q and A with the bot on this site. Once you complete the questions it will email me, and when I see that, I will email you to set up a time to go over all of your questions and concerns on the phone.

Reply
AvatarSathya says

FEBRUARY 21, 2017 AT 8:39 PM

Hi,
I have an account with Bank of America and I stopped paying for my credit card when i got shifted to my home country . Now when I login I find that my credit card account is closed. I had received an email last month that if i fail to pay the balance then it would be sent to a collection agency. I want to repay the debt in installments but I cant find any details as to whom and how to pay the debt.
Kindly suggest what needs to be done as I am losing sleep over it.

Reply
AvatarMichael Bovee says

FEBRUARY 22, 2017 AT 2:34 PM

What is the amount you owe on the BofA account today? When did you stop sending in regular monthly payments?

Reply
AvatarSathya says

FEBRUARY 22, 2017 AT 5:56 PM

Hi. Thanks for the reply. $3066. I stopped the payments sometime in may 2016 since i had to find a new job.

Reply
AvatarMichael Bovee says

FEBRUARY 23, 2017 AT 3:54 PM

Would you be able to pull together around $1,000 in the next few months to settle with them instead of setting up monthly payments?

Reply
AvatarSrinivas Santhanam says

FEBRUARY 25, 2017 AT 9:01 AM

Hi, sorry for the late reply. Probably not 1000 but can afford 800. but whom do i contact. i havent received any email regarding whom it has been assigned to.

Reply
AvatarMichael Bovee says

FEBRUARY 25, 2017 AT 10:03 AM

You can call Bank of America and ask them who they sent your account to and they will tell you, and likely give you a toll free number to call and reach the collection agency.

Reply
AvatarSathya says

FEBRUARY 26, 2017 AT 9:40 PM

Ok, and will the collection agency be open to negotiation regarding how to pay them in monthly installments?. I live In India now and with my current economic situation I would want to settle it down in the next 6 months .
What do you recommend in terms of how to approach the collection agency? Would they have sued me already for not paying the amount?
I really appreciate your help and am going through the Q and A’s of other people to help me out in understanding these situations.
Thanks.

Reply
AvatarSathya says

FEBRUARY 26, 2017 AT 10:35 PM

and also can you tell how much interest would be applied . Would the interest be applied from the time the debt has been charged off?? sorry for pounding you with such questions, but I want to clear off this debt before it gets worse

Thanks

Reply
AvatarMichael Bovee says

MARCH 1, 2017 AT 9:55 AM

It is highly unlikely (read never) that you will be sued by BofA in India at this time.

The interest accumulates consistent with your existing BofA agreement. You will need to look to that.

I would suggest waiting until you have the money to pay a lump sum in order to settle. If that is a few more months from now, I would wait to call.

Check out this video of what to say and not say to a debt collector.

Reply
AvatarAsya says

FEBRUARY 21, 2017 AT 8:37 PM

Hi, Michael!

I just read your article and I would to Thank you for providing collection information in such detail. I’m glad I stumbled upon your page. I’ve been curious about how to deal with collection agencies and charged off accounts. Pretty embarrassing to admit to someone that you allowed your credits cards to go past due and into collections lol. So I have a couple of question I hope you could answer for me?
I had 3 credit cards when I was 18 Norstrom(C.O Amt $1,312), Jc Penny(C.O Amt $614), and Macy’s(C.O Amt $366) back in 2010. Of course knew nothing about credit cards and how to maintain them. Long story short, they all were charged off in late 2011. All in house collections. Since I Don’t show any collections agency’s having the debt. So would they original credits settle an acct or make you pay what you originally owed?? And if you pay it would it show as an paid collections or paid and satisfied?

Also last question would is your advice on medical collections?

Reply
AvatarMichael Bovee says

FEBRUARY 22, 2017 AT 2:33 PM

Your balances will have ballooned. You will often be negotiating inflated balances, and can get them to come down a good bit based on how long ago you stopped paying.

First things first. What state are you in? DO you have positive things showing on your credit reports now, and if so what? Do you have money at the ready to pay settlement deals you make?

Reply
AvatarAsya says

FEBRUARY 23, 2017 AT 12:14 PM

I live in Delaware and I have one credit card with capital one that’s current. And an old act I closed for 20k. Yes I have money to settle! Should I just wait until it falls off which the 7 yr mark period would be 2018? I want to settle for less to nothing lol

Reply
AvatarMichael Bovee says

FEBRUARY 23, 2017 AT 4:06 PM

You will not be able to settle for next to nothing.

What is the motivation to settle now? Are you going for a home loan in the next year? It may be best to just let these drop from your credit.

Reply
AvatarTim says

FEBRUARY 21, 2017 AT 1:55 PM

I am working to settle a handfull of debts across 9 retail accounts. I know 4 of them are with Comenity Bank. They are 6 months past due. What % will they typically settle for, and does this %age apply to total balance, or principal only?

Thanks

Reply
AvatarMichael Bovee says

FEBRUARY 22, 2017 AT 9:56 AM

When you are negotiating settlements you are typically starting from the balance owed at that moment, which will usually include the interest and fess that have accumulated.

I target settlement percentages on Comenity accounts at 30 to 40 percent. But that number can move depending on the debt collection agency you may end up dealing with, or if you are having to resolve accounts with a buyer after Comenity sells.

Reply
AvatarMaria says

FEBRUARY 20, 2017 AT 11:29 AM

I have 3 account in collection that show as charged off however I have not been able to locate who 2 of the 3 collections to be able to make payments. I know I still owe them so what are my options. For the past year I have been trying to locate a means to contact them. They are Chase CC, $879, SYNCD/WALMART $899 and Target CC 1,100. All three cards total about 3500.
.

Reply
AvatarMichael Bovee says

FEBRUARY 20, 2017 AT 12:23 PM

When did you stop paying on these accounts?

Reply
AvatarMaria says

FEBRUARY 20, 2017 AT 1:26 PM

Target 3/9/2010
Chase last date of pay 11/14/2014
Walmart last date of pay 8/9/2012

Reply
AvatarMichael Bovee says

FEBRUARY 20, 2017 AT 3:08 PM

Chase still has your account as they stopped selling debt in 2013. You should be able to call them and learn that they have it in house, or the collection agency they have it out with right now.

Synchrony probably sold your debt. You should be able to call them and find out to whom.

Target may have sold your debt. You are approaching the time for Target to age off your credit reports, so doing something with this account now would be situation if it were me (going for a home loan would be an example). You should be able to contact Target and learn who they sold to, if they did.

Post an update with you learn, or what of this you have already done, and the details of what you learned.

Reply
AvatarCassandra says

FEBRUARY 19, 2017 AT 8:26 PM

I have a Citibank card balance of approx $6k that has been charged off as bad debt since 2014. The original amount of debt was a approx $10k and I have been working with a collection agency, Viking, making a few lump sum payments but always a minimum of $350 monthly payments. The collection agent told me today that CitiBank is “taking my account back” on March 1st and I should settle with Viking for a lump sum of $3k before that happens. The agent wouldn’t explain to me the ramifications of Citi taking back the loan. What does it mean for a bank to take back a loan that had been charged off and sent to collection? Should I pay the $3k to the agency before March 1st? Thank you!

Reply
AvatarMichael Bovee says

FEBRUARY 20, 2017 AT 10:23 AM

If your intention is to pay anyway, yes, I would resolve it now if it were me, and if the resources to do so were available. But I would shoot for a better outcome than half with Viking Collection Services. You can often negotiate 35% with collection agencies on Citibank accounts.

Based on current trends, the account is going to be sold to a debt buyer. Depending on the debt buyer, you could be sued, or end up paying more for a settlement.

Reply
AvatarCasandra says

FEBRUARY 20, 2017 AT 6:01 PM

Thank you !

Reply
AvatarGail says

FEBRUARY 17, 2017 AT 11:52 PM

I have a Capital One credit card that was charged off. It is 21000 dollars. Last payment was Aug of 2015. I want to settle this. I had perfect credit until I got breast cancer. It’s in collections but I don’t see with who. What shall I do?

Reply
AvatarGail says

FEBRUARY 18, 2017 AT 12:01 AM

I live in Nevada for a few more weeks.

Reply
AvatarMichael Bovee says

FEBRUARY 18, 2017 AT 3:23 PM

Do you have roughly 7k today in order to fund a settlement?

Reply
AvatarMarisol Alfaro says

FEBRUARY 15, 2017 AT 5:32 PM

My name is Marisol Alfaro. I have an issue with a charged off account and my credit is ruined and I would like to fix it so I can improve on many areas in life. Here is what happened:
In December of 2014, my brother convinced me to use my credit to get an engagement ring for his fiancee at Gordon’s Jewler’s at Almeda Mall. The Gordon’s credit card was a citibank credit card, so they are the original creditors. When we were at the store buying the ring, the staff and my brother understood that I was only using my credit to sign off on it so he could get it and that he would be making the payments, not I. He made a down payment at the store of about $1000 dollars in order to be able to take the ring home. He swore to me he would make the payments and I didn’t know better and didn’t know how bad this could impact my credit. I was 21 and naive. So in January I began to receive calls from Gordon’s telling me that the payments were late and that they weren’t being paid. My brother swore he made the payments, but of course he was lying. I never even received the credit card, I don’t know what he did with it since we both got our mail at the same place at the time. So I was scared and made 2 payments and told my brother he owed me and that he had better make the rest of the payments, he never did. Eventually, the account went into collections. The first collection agency that I recall was United Recovery Systems. They would call me all the time but I would not answer. I am not sure how many debt collection agencies this account has gone through in the past 2 years. The current one is Portfolio Recovery Systems. The balance is $4, 358 and it was opened by Portfolio in September 7, 2016 according to Credit Karma. I want to settle the debt for way less. It was supposed to be my brother’s debt, not mine so I want to pay as less as possible to fix my credit. I need help and advice on how to properly speak to a debt collector so I don’t shoot myself in the foot. I’d love a consultation with you. Thank you.

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AvatarMichael Bovee says

FEBRUARY 16, 2017 AT 6:51 AM

Portfolio Recovery is a debt buyer. They are who you will have to deal with to resolve the Citibank debt now. You can sometimes settle for 40 percent with PRA.

Here are some resources to review about settling with PRA, and here is a video where I go over Portfolio Recovery negotiations.

Read through and watch back those resources. Then call in for a consult at 800-939-8357, ext 2 if you need to.

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AvatarMarisol Alfaro says

FEBRUARY 16, 2017 AT 10:10 AM

I would still like a consultation, I want to be as prepared as possible. Please and thank you.

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AvatarMari Alfaro says

FEBRUARY 20, 2017 AT 4:50 PM

Hey Micheal,

I know we spoke on the phone and I had asked if debt collectors such as PRA are able to know our salaries. I think you had told me no, they have no way of knowing but after doing some digging I found that there is a website called “the work number” which is owned by Equifax that sells that information to companies. Do you know about this site? Can debt collectors know how much I make using this site? I don’t want them to know how much I make and them think I can pay the full amount. I want to pay the minimum because I was basically screwed into this debt and want to get out of it as easily as possible?

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AvatarMichael Bovee says

FEBRUARY 22, 2017 AT 8:48 AM

If I remember our conversation correctly, you had changes jobs and took a pay cut? And if you have not applied for credit in anyway, which often requires us to fill in where we work and our salary, PRA would not have access to that information.

But if you have given that information in credit applications in the past, and that information is still accurate, that is how it is found anywhere at all. But I cannot speak to PRA using that Equifax product.

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AvatarMari A says

FEBRUARY 20, 2017 AT 6:09 PM

Also, given all the information I’ve given you, if I wanted to hire someone from your team to handle the situation for me, how much would it cost?

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AvatarMichael Bovee says

FEBRUARY 22, 2017 AT 8:52 AM

Everyone in the network charges 15% of savings, which you pay after the creditors are paid. You would need to call in again to see if we can work together. You have my email to set up a phone time.

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AvatarCrista says

FEBRUARY 15, 2017 AT 4:56 PM

I have a charge off from capital one. It was reported to the credit bureaus with a charge off date of April 2016 however the last payment made was June of 2015. I recieved a collection letter in the mail offering a settlement two weeks ago from a law firm. I suspect this is a tactic since the account was passed to a third party collection agency. I was already planning on paying the full amount once I got my tax return. However there were several discrepancies on my credit report as far as the date the a count was charged off. It is different on all three credit reports. Now capital one is reporting very month that it is a charge off and reporting I am over the limit once a week and for the last month twice a week a week to Trans union and experian. Can they report over the limit for every month past the charge off date? I understand they can legally report the charge off every month since I am still liable for this debt. I have worked to rebuild my credit and this is the only thing I have not paid off. Can you give any advice on how to handle this? It has reversed all the progress I have made on my credit report.

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AvatarMichael Bovee says

FEBRUARY 16, 2017 AT 6:41 AM

Is the settlement offer from an attorney practicing law in your state? That can mean you are about to be sued. And because settling is already your goal, I would look at ways to take them up on the offer, but if you have to wait for the tax refund, you may be able to call and get them to rework the settlement where you pay a little down this month, and maybe in March and April too, with the remainder once you are sure to have received your refund.

I would not get hung up on the credit reporting right yet. I would be reviewing the reports for accuracy very carefully after the paid status gets updated.

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Avatarcrista says

FEBRUARY 16, 2017 AT 8:33 AM

I checked last night when I got home. The letter is actually from Client Services based out of Missouri. It says “This communication is from a debt collector. This is an attempt to collect a debt” It does not say if they actually own the debt. They are offering to settle this for $187. I just realized that their offer expired on 2/10/17 I am just curious because Capital One is the only one on my credit report for this account… Can they legally report over the credit limit every few days since this account was charged off last year? They are also reporting a new charge off every month since the account was initially charged off. It is making it look like I have fresh charge offs every month on my reports.

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AvatarMichael Bovee says

FEBRUARY 17, 2017 AT 6:52 AM

Check out this post about Capital One and credit reports. i have been covering their odd credit reporting behavior for many years.

If it were me, I would resolve the debt first, and then look to manage inaccuracies on the credit reports.

You can call Client Services and negotiate the pay off amount and get them to send you a new letter before you pay it. They are not debt buyers, just the typical contingency debt collection agency.

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AvatarDeb says

FEBRUARY 10, 2017 AT 7:09 PM

Thank you for your response. My credit cards that are charged off can the amount owed get bigger? So far the letters that I have received from collection agencies all have the same amount as the charge offs, will the collection agencies add fees and interest over time?

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AvatarMichael Bovee says

FEBRUARY 12, 2017 AT 5:24 PM

There are scenarios where I still see interest accumulating after charge off. But I see that less and less. There are some court cases that lead to the practice being curbed.

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AvatarJade says

FEBRUARY 10, 2017 AT 8:04 AM

Hi Michael. Last year I had to leave an apartment I was leasing early, due to losing my job. The complex sent me an amount I owed due to breaking the lease of $2500. I was not able to pay this amount to the complex, but recently when I contacted the complex they said they turned the debt over to a company called “Rent Collect”. I contacted them to confirm the amount, which they did. I have at least 40% of the amount. So my question is, how would you go about attempting to settle this debt/how would you approach this to resolve? And have you heard of/dealt with this company before?

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AvatarMichael Bovee says

FEBRUARY 10, 2017 AT 4:12 PM

You handle negotiations with most debt collectors the same way. Left over debt from an apartment that is that old, and who you do not rent from now, or intend to rent from in the near future, is going to consist of some phone calls where you make a lower offer to start, and follow that up with offer counter offer dialogue and phone calls from there. Check out this video of what to say and not say to a debt collector before you get started.

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AvatarDeb says

FEBRUARY 9, 2017 AT 6:02 PM

My current credit score is about 420. I have 8 credit cards that are closed and 7 of these 8 have been charged off. The total amount of my unsecured debt is about 80,000. The ;largest credit cards amount are Bank of America 14K, Chase 16K, Chase 13K , Citibank 7K, Citibank Diamond 10K, I think it has been at least a year since I have made any payments on these cards. My mortgage went into foreclose but I was able to catch up the payments and I am now current. I have a car loan with gm financial that is current with maybe 1 or 2 late payments the loan is 2 years old .

My credit report does not list any collection company’s only that the accounts are closed and charged off. So how can I be sure that if I pay the amount to the collections agency that the bill will showed paid on my credit report , and be a improvement on by score. Also think that some of the accounts have been sold again because i have been contacted by more than one agency on the same card

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AvatarMichael Bovee says

FEBRUARY 10, 2017 AT 1:00 PM

It is normal to hear from more than one collection agency on newly charged off debts. But that does not mean your account is sold each time. Bank of America has not been selling much debt the last 2 years. Chase stopped selling any debt in 2013, and Citibank tends to sell after you are 12 months late. But they all will send your account to different collection agencies for a period of time. And this is often the best place to negotiate the best savings.

Anyone reporting on your credit has an obligation to furnish only complete, accurate, and up to date information. All of those creditors do a good job at updating your credit reports to show a zero balance owed, and resolved collection, when you follow through with your settlements.

How any of this is going to improve your credit score will vary from one person to the next.

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AvatarDeb says

FEBRUARY 10, 2017 AT 7:22 PM

Are you saying that bringing the balance to zero by paying a settlement wont help improve my cr fit score ? I am concern about being able to finance a car in a couple of years

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AvatarMichael Bovee says

FEBRUARY 12, 2017 AT 5:26 PM

Not overnight, no, but it will help you to begin to improve your credit score. And settling is often an absolute must for certain types of financing, regardless of score.

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AvatarDarlene K says

FEBRUARY 8, 2017 AT 4:25 AM

Hi Michael. I have a few creditors that have been calling me for months. My job and income situation is bad in relationship to my living expenses and what I owe. I do not have the money to pay these accounts in full. Two American Express accounts are about 160 days past due totaling $11,000. A law firm named Zwicker has been calling about that. My other is a $15,000 loan from Lending Club, which is about 170 days behind and I was notified that a company named Velocity has purchased my account. Not sure what that means. Are you familiar with either of these companies? If so, what type of settlement could I expect to negotiate and how long might it take to get to a settlement? Thank you for any insight you can provide.

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AvatarMichael Bovee says

FEBRUARY 9, 2017 AT 6:16 AM

I am familiar with both of those debt collectors. You will want to be prepared to pay 50% to settle both. If you do one at a time I would deal with Zwicker and Associates first, as they are likely to sue you soon.

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AvatarSarah says

FEBRUARY 7, 2017 AT 7:25 AM

Good morning. I live in Michigan. I had a credit card through my credit union that I opened way back in 2002. Several years ago (I don’t remember exact date and of course can’t find any of my paperwork from the Collection Agency) I defaulted on payments and it was sent to CU Recoveries. They sent me letters and made phone calls up until May of 2012, at this time I received a letter stating that the debt had been charged-off as bad debt and profit and loss write-off. On my credit report, there is a $0 balance. I have not heard from CU Recoveries since then, no phone calls and no letters. Yesterday (February 6, 2017) I received a phone call from CU Recoveries telling me that I now owe over $8,000 in interest. The original debt was under $6,000. Do I have any rights? Why did they wait so long to contact me? In my ignorance, I did not realize I would still have to pay that debt and when no one contacting me for the last three years I had forgotten all about it. Now that it’s income tax time and I am getting a substantial return this year, they come out of the woodwork. If I give them my tax return it may just be my undoing. I am two months behind on my mortgage, I have over $30,000 in 401k loans and several other medical bills that have also gone to collections. I’m barely holding on and I don’t know what to do.

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AvatarMichael Bovee says

FEBRUARY 9, 2017 AT 5:27 AM

Unfortunately, a debt can be viewed as still collectible after the 1099c is issued.

I want to dig into some more details. When did you stop making payments? What state are you in?

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AvatarSarah says

FEBRUARY 9, 2017 AT 6:36 PM

I live in Michigan. As far as I can tell, the last payment I made was February of 2013. That is also the date the woman from CU Recoveries gave me on the phone.

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AvatarMichael Bovee says

FEBRUARY 10, 2017 AT 3:55 PM

You have options to settle debt, or perhaps discharge it in bankruptcy.

I see too few credit unions settle for less than 50% of the balance owed. Assume you need to pull together 50%, and then assume they give you 12 months to pay. Can you swing that?

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AvatarEd says

FEBRUARY 6, 2017 AT 6:57 PM

Hi Michael,

I have an old Amazon/Synchrony debt ($1245) that was charged off because I couldn’t pay after being unemployed for five months. I now have the money to pay off the entire debt, but would rather pay Synchrony instead of Portfolio Recovery Associates. Would Synchrony be able to accept the payment? Or would they have sold off the debt to PRA?

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AvatarMichael Bovee says

FEBRUARY 7, 2017 AT 6:37 AM

Synchrony regularly sells debt to Portfolio Recovery. Once your account is sold by Synchrony, you typically have to contact the new owner/debt collector to put this behind you.

Why is it that you only want to deal with Synchrony?

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AvatarEd says

FEBRUARY 7, 2017 AT 8:32 AM

Hi! Thanks for the response. I wanted to submit a pay for delete letter with synchrony in order to get the charge off removed from my credit report. If not possible, then I was hoping to have synchrony list the charge off as paid in full and force PRA to remove its entry from my report. This is all in hopes of improving credit score quickly so that I can buy a home.

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AvatarMichael Bovee says

FEBRUARY 9, 2017 AT 5:30 AM

You can buy a home with paid collections on your credit. Based on the credit reporting policies of today, you will not be able to get Synchrony or PRA to delete the entry in return for money. But PRA will update to zero balance once you resolve it with them (whether you pay in full or negotiate a lower payoff amount with them.

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AvatarNancy says

FEBRUARY 6, 2017 AT 12:46 PM

Hello… I am struggling with a few charged off accounts (Walmart, capital one and citi) I want to negotiate and try to resolve this. But I can only afford monthly payments not to pay the full amount which is around 10000. I just got a call from the prosecutors office. What does this mean? Please I need help.

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AvatarMichael Bovee says

FEBRUARY 7, 2017 AT 6:24 AM

When did you stop paying on these accounts?
What state are you in?
Which account were you called about, and what is the balance owed on that one?

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AvatarMike says

FEBRUARY 1, 2017 AT 5:43 PM

i have a cc that was closed from schools first credit union in 2008 for about 9k and have a judgement against me for 22k from mct financial . is it possible to settle 40% on the initial balance or do they only take settlements usually on the balance plus interest accrued after acct closed? they got 1400 lump sum from my bank acct from a levy recently. what should i attempt to offer? and they are garnishing my wages at about 200 a mo for the last 10 mo or so.

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AvatarMichael Bovee says

FEBRUARY 3, 2017 AT 7:20 AM

When there is a wage garnishment in place creditors know they will get paid all their money while you have that job, and cannot meet garnishment exemptions. They are reluctant to settle for any savings. When I do see settlements in this situation they are often 80% of today’s balance at best.

What state are you in? When did you last make a payment on that credit union credit card that did not end up as a judgment? You may not have to worry about that one at all if you last paid in 2008. The collection agency pursing that account may not be able to sue or show on your credit reports.

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AvatarMike says

FEBRUARY 7, 2017 AT 7:22 PM

i last paid in about 2008 possibly 2006 however the collection agency recieved a judgement against me and is collecting on a wage garnishment. Original balance at charge off was 9k now with interest is 22k. Im in Ca.

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AvatarMichael Bovee says

FEBRUARY 9, 2017 AT 6:09 AM

Thanks for the clarity. I understand your situation better. You are going to be dealing with the inflated balance with interest. And that interest is still be charged, so at the rate of $200 a month, you will be paying for many years.

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AvatarMike says

JANUARY 27, 2017 AT 5:01 PM

Hi Michael,

I have about $4000 (5 accounts) with Portfolio Recovery Associates, and $2400 with Midland Funding
( 3 accounts). I will receive approximately $1800 in Income tax return and would like to settle. My biggest account is 1300 with Portfolio and 1100 with Midland. The problem I see is I have multiple accounts and I’m not sure the would settle those without addressing the other accounts.
Should I throw and offer to settle all debts at one or the other, or at the bigger debts and see how it goes?

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AvatarMichael Bovee says

JANUARY 31, 2017 AT 7:13 AM

I would want to tackle all the debts with each debt collector at once, and with both if possible.

Can you raise 40 percent to settle with a lump sum on your PRA debts, and then take a 12 month repayment plan with Midland Funding at 40%?

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AvatarMike says

JANUARY 31, 2017 AT 3:32 PM

I’m not sure about the Midland Funding payment plan at the moment. My student loans kill me and I’ve used up all my forbearance and such otherwise I could probably swing it.
Do these companies settle for more than 40% or is that pretty much their standard? I was thinking of shooting them an offer of 60% I search for a debt settlement attorney in Montana but couldn’t find one to hear me out.

Thanks so much for you replies and helping people!

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AvatarMichael Bovee says

FEBRUARY 2, 2017 AT 6:44 AM

I can email you three experienced consumer law attorneys in Montana if you like?

When I say 40%, I mean 60% off. And yes, I see settlements with both of them for that. More with Midland than with PRA, but they happen.

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AvatarMike says

FEBRUARY 2, 2017 AT 12:09 PM

I tried to talk Portfolio Recovery into 60% they are holding firm at 30% off I even tried 50 but they wont until I give them my bank account for security. I said no not until I have something in writing. Then they broke of contact with me and wished me luck with another representative? Sure I’ll take an email for attorneys in Montana thank you!

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AvatarMichael Bovee says

FEBRUARY 3, 2017 AT 5:07 PM

I will email what I have after posting this reply.

You can record the call where you cover the details of the settlement and save that until the letter comes. PRA will send the letter, but it is still an asinine policy they have. I cannot believe they collect more money allowing their agents to hold that over people head.

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AvatarAdolfo says

JANUARY 26, 2017 AT 8:31 PM

I was scammed out of $50,000 thru my credit card. I need to know my options & if you can help me.
D

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AvatarMichael Bovee says

JANUARY 31, 2017 AT 6:40 AM

Can you be more specific with what you mean by scammed?

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AvatarBrian says

JANUARY 25, 2017 AT 2:25 PM

Hey Michael,

I got a credit Card when I was 18 I was making payments very slowly to wells fargo. One day my account disappeared and I was sent to collections That was 6 years ago and I totally forgot about it, I checked my credit score for the first time in my life today and I owe the collection agency $869.00 what is my best course of action? I can pay this amount but I need advice on how to go about it to improve my credit score in the best way possible, I’m 25 now and no longer in school and I want to be able to get approved Car loans and things like that,

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AvatarMichael Bovee says

JANUARY 26, 2017 AT 6:51 AM

Is Wells Fargo still showing on your credit report, and with a balance owed to them, or is the balance showing as due to Wells Fargo showing zero?

If Wells Fargo shows zero, they sold the debt. And that can change my feedback.

Who is the collection agency?
What state do you live in?
Was it 6 years ago when you stopped paying? Can you get precise with the date?

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AvatarBrian says

JANUARY 26, 2017 AT 8:33 AM

Wells Fargo shows as Zero. The collection agency is called Greater California Financial. I live in California and the date the collection agency first reported was Aug 11th 2011.

thank you

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AvatarMichael Bovee says

JANUARY 27, 2017 AT 2:26 PM

Your in the drivers seat with negotiations. Wells Fargo sold the debt if they are showing zero owed to them. And you are passed the 4 year SOL to legitimately sue in California. Wells Fargo and the debt collector should come off your credit at the same time whether you settle with the debt collector or not.

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AvatarCatherine says

JANUARY 23, 2017 AT 2:25 PM

Hello Michael,

I am from California and I have a debt of $4,800 from Lending Club but they sold my account to a collection agency named CKS Financial Debt Collection. I just got a letter from them stating that I owe them $5,300. I’ve been unemployed since last year of September 2016. I wanted to settle my debt but I want to negotiate to atleast 50% (much better if more)

Can you give me any tips on what to do first?

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AvatarMichael Bovee says

JANUARY 24, 2017 AT 3:28 PM

You are typically going to start with a hardship story that caused you to stop paying Lending Club, and how that persists today. Your story should be one that supports your inability to make monthly payments (that is what debt collectors are listening for). If you make a low settlement offer because your friend or family member is willing to help, you may want to start at 20% (depends on the situation). Some times I want settlement to be the collectors idea, so you can start with an offer to pay $20 a month, and see if they bring up settlement in the course of that back and forth.

Ultimately, you make an offer and they counter, or they make an offer and you do. It is not common to get an agreement in one phone call, so I may say :I am sure that is a good offer but there is no way I can come up with it. I will ask around for more help, but I am not optimistic”. You can call back in days or weeks and make another offer closer to where they were, and where you expect to be.

You may have to do this several times.

You want to be careful to recognize when a deal is as good as it gets, and when to take an offer to avoid being sued.

I think you can get 50%, and maybe even a bit lower.

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Avatarwanda fowlston says

JANUARY 21, 2017 AT 3:22 AM

I live in nc and have been trying to catch up on years worth of debt. The remaining pieces I have now are past medical bills. I’ve been dealing with optimum outcomes and have paid off several of the lower and arranged a payment plan for others. everytime i think i have them all on track it seems like they come up with another one. DO these agencies dig up things further back if they see your paying the ones they have more recent?

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AvatarMichael Bovee says

JANUARY 24, 2017 AT 6:09 AM

You bet they do. That is more the case when resolving medical debts.

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AvatarNick says

JANUARY 20, 2017 AT 7:32 PM

Charge off from lending cub , recently received letter from velocity LLC

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AvatarMichael Bovee says

JANUARY 24, 2017 AT 5:55 AM

What is your goal for resolving the debt now that it is with Velocity Investment LLC?

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AvatarMichelle says

JANUARY 20, 2017 AT 4:53 PM

Just got a letter from collection law firm for unpaid credit card. Says I have to respond within 30 days or judgement will be entered. I cant let that happen. Wells fargo card. 6400 balance. What should I settle for. I know this wont go away until its paid.

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AvatarMichael Bovee says

JANUARY 23, 2017 AT 3:50 PM

Settling with Wells Fargo, when your account is placed with an attorney, for under 50% is not all that common. I would start lower, but be prepared for that or a bit higher in some cases.

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AvatarDaniel Krief says

JANUARY 19, 2017 AT 7:25 AM

I co-signed a Care Credit account with my son for dental work. Every time the account was late, CC called me and I made sure that the account got paid. In March 2016, my son made arrangements with CC to pay $50/week. After that point I never received anymore phone calls. In Sept 2016 i received notice from my bank that my credit lines were reduced due to negative remarks on my credit report. The source of the remarks were CC. The account have been closed and charged off. When I contacted CC they said that they are required to contact only one of the account owners by law and that the account was sold to MCM, Inc. Atlantic Credit & Finance Inc. is currently servicing the debt for MCM. They offered me a settlement of $1057.75 payable in the month of settlement on a debt of $2644.38 (66% reduction). I asked to receive copies of all monthly statements. They only sent me about half of them.

I can’t pay this amount in one month. I have a business line of credit for my corporation with Citibank that has been closed with a balance of $21,900 and they want payment in 48 months. I can’t pay this either.

I don’t know what to do.

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AvatarMichael Bovee says

JANUARY 19, 2017 AT 1:07 PM

Fill in the talk to Michael form in the right column. When I see that I will email you to set up a time to talk on the phone. I will go over you situation and help you figure out your options.

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Avatarmerci fleming says

JANUARY 17, 2017 AT 7:01 PM

Hi Michael,

I’m being sued by a debt collecting law firm, on behalf of FIA card services, bank of america; for $27K.

i’m unemployed, they want me to settle for $17K with a monthly payment of $700 roughly. I can’t pay it. i’ve no job. i’m in ny.

any suggestions?

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AvatarMichael Bovee says

JANUARY 19, 2017 AT 7:26 AM

You can defend the lawsuit any buy time in order to come up with the money to settle ( I would negotiate a lower deal too).
You can look at chapter 7 bankruptcy to clear the debt, or set up a payment the court makes them accept (even if it is really low).

Do you have additional unpaid accounts besides this one?

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AvatarDovani says

JANUARY 15, 2017 AT 10:15 PM

I have debt of $5,700 to some debt collection agency. About 5 years ago I went through some financial hardship where I couldn’t pay my credit card payments so it went for collection. Since approximately three years nobody contacted me. I’m not sure what to do what are my options ? Thank you

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AvatarMichael Bovee says

JANUARY 16, 2017 AT 3:16 PM

Who was your original account with? Who is the debt collector you are dealing with now? What state do you live in?

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AvatarChris says

JANUARY 15, 2017 AT 10:20 AM

Hey Michael
I have about 70,000 in debt. 11,000 in peer to peer loan and 33,000 in another peer to peer. 13,000 on BOA card and another 20,000 on BOA card.
I make rough 175,000 butt I have house note, car note and regular house expenses. The peer to peer Loan payments what killing me total 2,500 month.
Should I stop payment on all these let cash build up and try settle with all them one by one?
Lending club and prosper who loan through. Do you think they would settle. For less and payment plan later.
I contacted national debt relief but they wanted me pay them 1400 month fir 4 years do you trust them ?

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AvatarMichael Bovee says

JANUARY 16, 2017 AT 10:39 AM

I know management at National Debt Relief and like them well enough. But I do not like 4 year debt settlement plans.

Assume you need 11k total to settle both BofA accounts. Then assume you need 22k to settle Lending Club and Prosper loans. How long would it take to pull that money together using a whatever means necessary approach?

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AvatarSheryl D'Amore says

JANUARY 14, 2017 AT 9:03 AM

My in-laws that are elderly have an outstanding credit card debt of $5500.00. I found out that they stopped paying the bill about 8 months ago. The account was opened in 2008. My sister-in-law (POA) has been talking with them and was told to wait until the account is 90 days past due for a settlement. The account is 40 days past due. What offer should we make with the company; TDBank to pay off this debt? They don’t have much money left and own nothing in their name.

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AvatarMichael Bovee says

JANUARY 16, 2017 AT 9:49 AM

I do not see many settlements with TD Bank under 50%.

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AvatarScott Freedberg says

JANUARY 13, 2017 AT 8:06 AM

Michael,

What is it that you charge for your services?

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AvatarMichael Bovee says

JANUARY 16, 2017 AT 8:12 AM

Everyone in the network charges 15% of savings at the end. You pay the creditor the settlement first.

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Avatarchristine says

JANUARY 4, 2017 AT 6:26 AM

I have a derogatory mark on my CR from GE capital bank I have a very good score with it been on there, but my question is if I wanted to can I negotiate a lower payoff amount to clear the debt other than that it will drop my CR in 2 yrs. so which one is better let it fall off or lower the amount of the debt owe. the acct 6 yrs old

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AvatarMichael Bovee says

JANUARY 12, 2017 AT 4:13 PM

What credit or finance goals do you have in the next 12 to 18 months?

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AvatarAmanda says

JANUARY 1, 2017 AT 2:08 PM

Hello Michael
This is my first Credit Card and I’ve gotten a Collections notice from the collection agency. I’ve lost my job and I tried working with the credit card company by asking if they had a hardship program. They had one but they pretty much didn’t want to work within what I could afford. With such a tight budget what kind of options would I have that work in my best interest? Will they accept low payment until I find another job?

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AvatarMichael Bovee says

JANUARY 2, 2017 AT 8:22 AM

Who is your credit card with? How late are you with payments?

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AvatarKay says

DECEMBER 29, 2016 AT 12:24 AM

Hi Michael,

What can I do about a credit card that I defaulted on in 2012.

I received a call from a collection agency back in July 2014 stating they were going to file a suit against me if I didn’t come up with the money that was owed on a Capital One Credit Card. I have never received a statement from the collection agency. They were telling me that they take credit card payments only & they will debit the card each month for the payment. I thought it sound fishy, so I told the man I would call him back the next day. I google the number and it was Alliant Capital Management. They had my name & card info. I started making payments to this account July 2014 not even knowing if they were legit.

I never received anything in the mail validating the account.
I don’t even know if the collectors have a right to collect on it.

I stop paying them this year & I recently received a very nasty call from them, yelling & stating they do not have time to babysit me. He said he as giving me 24hrs to pay the account in full or else …

I found their address.

Can I still sent them a letter requesting for validation?

Or, what would you advise on this matter?

Thank you,
Kay

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AvatarMichael Bovee says

DECEMBER 29, 2016 AT 7:27 AM

It it were me, I would call Capital One and verify that Alliant Capital Management is the collection agency they sent the account to. After confirming that, I would look to continue payments if that is affordable and consistent with my goals, or skip the payments and offer a lump sum settlement instead.

What is the balance still owed on the account?

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AvatarKay says

DECEMBER 29, 2016 AT 9:41 AM

there was another agency calling before Alliant. so would capitol one know who the first collection agency sold it to? Alliant said the amount oweing is now $1400.

when they called me the other day. I told him I was going to call him back in 2-3 days because I needed to obtain a prepaid card for him to charge & that’s when he started yelling & demanding it in full & hung up.

Thank you for your time.

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AvatarMichael Bovee says

DECEMBER 29, 2016 AT 1:00 PM

Not all debts are sold. Capital One has not been selling much at all in the last few years unless it is their HSBC acquired accounts. Was this an HSBC account originally?

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AvatarKay says

DECEMBER 29, 2016 AT 1:31 PM

Yes it was HSBC.

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AvatarCameron Lakotich says

DECEMBER 28, 2016 AT 9:09 PM

Hi, I have a BofA credit card that was charged off in March 2013. They are reporting the $2450 balance (which is $450 over the limit) to the CRAs and it is killing my utilization ratio. I contacted BofA in hopes of negotiating a Pay for Delete settlement but they told me that the account details are in the hands of Sunrise Credit Services and I need to discuss options with them. I just received a letter from Sunrise stating their attempt to collect. I have not read anything positive about Sunrise and am wary of dealing with them and have yet to contact them. Should I see what they have to offer or keep trying with BofA?

Thank You

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AvatarMichael Bovee says

DECEMBER 29, 2016 AT 6:57 AM

You will be hard pressed to find any debt collection agency with a glowing reputation.

You will want to negotiate with Sunrise Credit Services now that Bank of America sent your account there.

Be sure to get any deal you negotiate in writing before you pay.

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AvatarMark says

DECEMBER 28, 2016 AT 11:18 AM

Hello Michael,

I have a credit card debt that has been charged off and sent to a collections agency. They sent me a letter in the mail with a settlement offer and a date to pay it by or it says I need to call to workout a payment plan. What would the best course of action be to save my credit score? Thank you for this article and your advice in advance!

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AvatarMichael Bovee says

DECEMBER 28, 2016 AT 2:57 PM

Generally speaking, a resolved collection is better for your credit than one that remains unpaid. And settling old collections for less is often ideal.

Can you afford the lump sum offer? If you are short, how long would it take you to raise the rest?

You can often call in to negotiate a better savings than the one they offered you in a letter.

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AvatarMaartine says

DECEMBER 27, 2016 AT 3:38 AM

Hello
How does a person who had a best buy credit, which has been sold to a collection agency get receipts for the best buy purchases? Are the best buy receipts permanently gone?
Thank you

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AvatarMichael Bovee says

DECEMBER 27, 2016 AT 7:40 AM

If you end up getting sued for the debt you could try and get as much of the details as possible through the formal discovery process.

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AvatarJames says

DECEMBER 27, 2016 AT 12:18 AM

I have three different credit cards that all went in to charge-off status around Jan 2016 as I was unable to make payments for 180 days. They total around ~$20k and I have gotten offers from the collection agencies to settle.

I understand the damage is done from the charge off status. What I’m unsure of is: If i reach settlement with the collection agencies will this wipe out the “balances owed” to the initial creditors on my credit report?

In other words by settling for 40-60 cents on the dollar with debt collectors (not the original creditors) can i begin wiping the slate clean on my debt to income ratio? And what will potential employers see when they pull my credit report? Aka, can I say “yes I went thru a rough patch but I’ve made good on debts” or will it still look like i owe all these creditors?

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AvatarMichael Bovee says

DECEMBER 27, 2016 AT 7:28 AM

Negotiating a lower pay off does result in the accounts showing as zero balance on your credit reports. It does not matter if you negotiate the deal with a collection agency or the lender. Just be sure to get the deals in writing before paying, and have the ability to show proof of payment. With those 2 things, any credit reporting errors can be fixed quickly.

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AvatarJean says

DECEMBER 21, 2016 AT 6:59 AM

Hi Michael,

So my husband and I have been dealing with charged off accounts from cards opened under his name by his parents. He worked out a payment plan with Nationwide of $1437 monthly on a 33-40k balance on AMEX and we received an offer from Nationwide this week to settle a chase balance of 9800 for 2300, should we try to negotiate it down also apparently we’re down to 20k on the Amex at some point can we try and renegotiate that with them on a lump sum, at the time we didn’t have the 12k they were asking for and I believe he paid them 7k and worked out that monthly plan automatically withdrawn from his account, was that the right thing to do.

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AvatarMichael Bovee says

DECEMBER 21, 2016 AT 11:31 AM

Fill in the talk to Michael form in the right column Jean. I want to dig into the details a bit before offering actionable feedback. When I see the form submission I will email you to set up a time to talk over all of this on the phone.

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Avatarkeith says

DECEMBER 19, 2016 AT 8:48 PM

Hi,
Thank you in advance for your help. I have good credit but got into a fight with Capital One when they unilaterally closed my account and confiscated thousands of dollars worth of miles.
I just received a letter from them that they assigned the debt to JH Capital. I would be happy to settle the debt for 60%-70% of the original sum of 18,000. Although I do not have that kind of money, I have the ability to borrow it iat very very low nterest right now and do not want to let this fester of incur legal expensiveness should they sue me. How do I best do this.?
I live in NY, no payments or contact since end of 2013.

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AvatarMichael Bovee says

DECEMBER 20, 2016 AT 6:39 AM

Are there other accounts that you continue to pay on time showing on your credit reports?

You may want to fill in the talk to Michael form in the right column. I will see that and email you to set up a time to connect on the phone. I can dig into personal details that may impact what you can settle for.

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Avatarkeith says

DECEMBER 20, 2016 AT 7:05 AM

Thanks. Yes I have other cards (2) that I continue to pay on time.

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AvatarLarry says

DECEMBER 9, 2016 AT 3:12 PM

Hi Michael, I actually just left another message on a different post, but was a bit concerned by this statement: “Charged off debts get reported to the credit reporting agencies. When this derogatory credit reporting happens the damage to your credit is done. You do not get to re-age charged off accounts”

Provided this information, do you think its better to dispute a derogatory remark ($100 incorrectly charged by an internet provider who did not have my full name or social security number) rather than just pay the collections agency, and have that derogatory report confirmed?

Many Thanks,
Larry

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AvatarMichael Bovee says

DECEMBER 12, 2016 AT 10:18 AM

I sometimes suggest disputing collection items that cannot be verified prior to negotiating a settlement.

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Avatarlarry says

DECEMBER 14, 2016 AT 1:44 PM

thanks so much Michael. Should I begin by disputing the item with the credit bureaus? or the collection agency? or the original utility company?

Many Thanks

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AvatarMichael Bovee says

DECEMBER 15, 2016 AT 3:17 PM

In your situation I would dispute it with the credit bureaus.

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Avatarlarry says

DECEMBER 15, 2016 AT 3:23 PM

thanks so much Michael. Good Karma to you. Just to clarify, I should individually contact each credit bureau. Is this correct?

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AvatarMichael Bovee says

DECEMBER 15, 2016 AT 3:41 PM

The ones that you confirm are reporting it.

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AvatarTina says

NOVEMBER 29, 2016 AT 6:54 PM

Hi Michael,
My ex-husband had an extreme gambling problem (I finally discovered what was going on after 21 years of marriage, and that’s why we are now divorced). Anyway, one of his debts is totally ruining my credit. My score is about 540 at this point. There is a Wells Fargo credit line in the amount of $53K that is held jointly in both our names. I never even knew the account existed (but I was NOT on top of our finances, unfortunately, so it’s not surprising that I wasn’t aware of this joint account). My ex has moved on and is living with a girlfriend in California, but I continue to receive mail on all of his debts. The law firm of Zwicker & Associates P.C. wrote regularly for about 6 months beginning about a year ago. I have never received any phone calls, and now I do not receive anymore letters from the law firm. I am dying to get this debt off of MY credit report. I am currently looking for work, but I am not in the position to make a lump payment or even monthly payments at this time. I did try to dispute that the debt was mine online on my credit reports, but I didn’t have much proof so I don’t believe anything came of my claim. One report notes that I “disagree” with the findings… My question for you is: when should I expect to hear from the lawyers again? And is there any possibility that I could work out a settlement to get MY NAME removed from this debt? My ex is completely ignoring all of his debts–this $53K Wells Fargo debt is literally the LEAST of his problems–he has many many others that are much larger (hundreds of thousands, plus a mortgage of over 1M), But I’m not worried about him, I’m worried about me!
Thank you,
Tina

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AvatarMichael Bovee says

DECEMBER 1, 2016 AT 2:29 PM

I would recommend you set up a phone consult with me Tina. I have too many questions and details I will be asking in order to offer some suggestions that would be meaningful to you.

Fill in the talk to Michael form in the right column and when I see that I will email you to set up a time to talk.

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AvatarZee says

NOVEMBER 28, 2016 AT 7:19 PM

Hi Michael,

This is the first time I have experienced debt. Up until now, I had a credit score of nearly 800.

I have only had 1 credit card throughout the years, Discover. Due to unforeseen circumstances and a recent move I have been spiraling down the black hole of not even being able to afford rent but that must come first. That and a car payment. It’s 2016 and I am making less money than I did 20 years ago!

Times have changed, for the worst. FInding work that is full-time is nearly impossible and forget about earning a livable wage.

I am single, no children, educated, and white. I am struggling to say the least! About a year ago, I became a licensed Insurance agent. I drove all around the state of VT. I made less than 4,000 in a year. I depended on my savings, which is now gone! I got a job in April at a garden center. In August I received a letter telling me I needed to get out of my apartment in 30 days because the landlords were selling the property.

After 9 years of living in the same place, I wasn’t prepared financially to make a drastic move which is what I had to do. Upon moving, I got a job as a hostess getting zero to 8 hours a week. I picked up another hostessing job and would get cut after not even 2 hours. This is when I had to make what bills I could pay for a priority.

Now, I owe. I owe the electric company and telephone company. I owe my insurance company. And I owe Discover.

I tried talking to Discover. The problem is- I can’t afford the interest and the monthly payment. I got no where. They want me to catch up and have my payment go back to the 205.00. BUT- the problem is, is that I can’t afford the minimum payment. I can’t afford to pay the interest! I stopped using the card a while back. The thing is…if the interest rate would just be half of what it is….If I could just pay on the principle without the interest and late fees occurring…I could do it! But that’s not how it works. I get it!

If you can’t afford something…You have to pay more for it! It is a backwards system…I have just fallen on hard times….I called to negotiate and communicate a resolution that would work for me. I want nothing for free, but I deserve the opportunity to get back on my feet…I have been a responsible citizen. Now the struggle is about feeding myself and being able to pay rent and find work….it’s an everyday sadness. I want to work, I want to live, I want to Earn….But freedom…I can’t afford. This country is starving its own ….We The People…are hungry.

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AvatarMichael Bovee says

NOVEMBER 29, 2016 AT 12:29 PM

What is your interest rate with Discover?
Have you missed any payments yet, and if so, how late are you?

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AvatarSunshine says

NOVEMBER 28, 2016 AT 11:47 AM

I have an order on my account that was just released and I have to pay the Federal Tax Bureau.

I have a Macy’s Account in Collections with United Collections Bureau, Inc for 610.37. They will accept $457.78 back in October. I have a Visa with Bank of America for $3022.

I don’t have the money to pay except for $5 a month for each acct. Can I negotiate with them to stop interest charges? Should I just tell them I don’t have any money to pay them? My credit has been impacted with Macy’s going to collections, late payments reported to credit bureas from mortgage co and car pmts, my car insurance had dropped me, etc.

Bankruptcy not an option since my debt is with taxes, correct?

I have a laptop that I owe $300 on and is interest free so I been plugging away at paying it off.

What do you suggest?

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AvatarMichael Bovee says

NOVEMBER 29, 2016 AT 9:28 AM

IRS debts can be bankrupted in certain circumstances. Check out this article about finding the right bankruptcy attorney and then consult with a couple and see how chapter 7 would apply to you.

Let me know what you think, and whether you would prefer to try to settle with these collectors later on if your cash flow improves.

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AvatarMaggie says

NOVEMBER 28, 2016 AT 9:45 AM

What is your experience working with Mercantile Adjustment Bureau in Williamsville NY they have a charge off of $8400. from KeyBank account I owe I can not pay off and would need a payment plan or settlement

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AvatarMichael Bovee says

NOVEMBER 29, 2016 AT 9:20 AM

Negotiating a settlement with Mercantile Adjustment Bureau is pretty standard stuff. Can you pull together 30 to 40 percent of the balance owed? How soon can you have that at the ready?

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AvatarGary Jensen says

NOVEMBER 17, 2016 AT 12:20 PM

Hi Michael,

I have a Chevron card that has gone to collection. The Collection agency is, Genpact Services LLC, and I was offered a settlement thats a 1/3rd of the original debt. Im a little skeptical dealing with them on the phone, as I get transfered back and forth, until they can find a ” specialist”. Also, the agency sounds like they might be in India, is this commen? Is it a good idea to take this settlement?

Thanks,

Gary

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AvatarMichael Bovee says

NOVEMBER 19, 2016 AT 1:28 PM

When did you last make a payment on your card?
What state are you in?

Dealing with legitimate debt collectors that work out of India is quite common. And settling an unpaid collection account for less than half is pretty common too. I would not give up a penny without getting the deal in writing first, which GenPac is used to providing, so be sure and get that from them first if you do settle.

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AvatarJohn says

NOVEMBER 16, 2016 AT 4:01 PM

Will a collection agency sue for 250.00 dollars

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AvatarMichael Bovee says

NOVEMBER 16, 2016 AT 7:10 PM

I do not doubt that some will, but most do not.

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AvatarConnie says

NOVEMBER 16, 2016 AT 3:30 PM

Signed with National Debt Relif 3/16 to settle on credit card of $24,504. Have received a settlement proposal (email with verbal commitment) for $6973 with payment schedule from NDR. Chase sent debt to MRS Solutions. There is no written documentation from MRS for it is a recorded phone negotiation with NDR. After 3 payments of $25 a month to MRS, NDR will take their fee of $5635.92 from my Global Solutions account. MRS will continue to be paid monthly till $6973 is fully paid out of the monthly deposits to Global Solutions. GS sends a check each month to MRS.

With no written confirmation from MRS Solutions and NDR taking their fee with 3 payments accepted by MRS of a total of $75.00. Is this a good/safe way to settle the debt? Was told documentation would follow after final payment. Should I still go with NDR and is this verbal negotiating binding & standard?

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AvatarMichael Bovee says

NOVEMBER 19, 2016 AT 12:35 PM

Is this the only account you have to negotiate? If not, let me know the other ones. I would not settle with Chase ahead of other, more aggressive creditors.

I you proceed with this settlement you will typically be okay with the verbal through NDR unless a payment is not made on time.

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AvatarSheri says

NOVEMBER 9, 2016 AT 12:10 PM

Hi there. I have a wells fargo credit card for 2500$ that has been closed and charged off and they are offering me a settlement offer of 1500. I am unable to pay this.
I also have 5 other accounts that have gone to different collection agencies. 844$ from Midland funding LLC and 669$, 2,261$, 1072$, and 587$ all from Porfolio Recovery Associates,

The accounts in collections have been opened since June 2014 and various dates in 2015.

Do you think Wells Fargo would accept 750$ settlement offer? I may be able to borrow money from a family member.

I gotten numerous letters from these companies and such.

Wells Fargo also offered to let me make 6 payments of 250. But I read online that this could allow them to sue me if i make payments?

I cannot afford to pay off any of this debt. All my credit cards were stolen by a family member in 2012 but when i contacted the credit card companies back then .. they advised that i would have to take legal action in order to settle it.

the family member that was involved doesnt even have a job and i wouldnt have gotten anywhere if i sued her.

Please help! Any advice would be much appreciated. Thanks.

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AvatarMichael Bovee says

NOVEMBER 9, 2016 AT 3:10 PM

It is unlikely to get Wells Fargo that low. But if you take them up on the 250 payments for 6 months, they are not going to sue you too. Be sure that you get the settlement and payment arrangement in writing from them before you pay a penny.

Debt collectors like Portfolio Recovery Associates, and Midland Funding will sue to collect on small balances like yours. The longer they have had your accounts the more likely they are to pursue more aggressive collections.

What is your situation for saving up to handle more than just the Wells Fargo account?

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AvatarSheri says

NOVEMBER 9, 2016 AT 3:49 PM

How would I get that in writing from them? Im not very good with this stuff over the phone. Is there a way to do all this via email?

PRA and Midland have had my accounts for years now. Is there a certain point where they just drop my case?

I thought about contacting PRA via chat online, What are the types of things that I should say to get the lowest payment options?

Right now I do have a job, but my boyfriend lost his job so i am supporting the both of us. We have a car in both our names and i make that payment as well. I dont have any extra money after bills are paid.

If he got a new job that could all change though.

Thank you so much for your advice!

Is there any company or person that I can pay to take on my case and do all the settlements for them? I heard about that from a family member and they said they would help me pay to get that help

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AvatarMichael Bovee says

NOVEMBER 9, 2016 AT 4:35 PM

You ask them to put the deal in writing and fax or mail that to you before you send them any money. Wells Fargo is used to sending this kind of documentation, and it is a normal request. Hit them up for it when you talk to them on the phone. Be sure to have the first paid by date a couple weeks out to give mail time to reach you.

There are not many debt settlement companies that would take your file with the debt so low. And there is not much to do until you have the funds.

Fill in the talk to Michael form in the right column. I will email you after I get that to set up a time to talk on the phone so I can coach you up on what to do.

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Avatarsheri says

NOVEMBER 10, 2016 AT 8:12 PM

Hi Michael, we spoke on the phone earlier today. I was able to pull up my credit reports on annualcreditreport.com.

It looks like quite a few of my debts will fall within the 4 year mark come 2017.
Wells Fargo 2,510$ – last payment made was 11/13/2013
Target – 314$ – last payment made was 1/20/2013
TJ Maxx – 791$ – Last payment was 8/20/2013
Walmart – 1846$ – last payment made was 8/21/2013

There are quite a few more that will be coming up on 4 years. Its really hard to tell which loans are which though and with which collection agency because their names change to synchrony bank or GE capital bank. I have no idea what those are.

Do you think i should wait and lay low for the year?
Wells Fargo hasnt gone into collections yet.

I will let you know as soon as I get that $$ amount btw!

Thanks again for your call today,

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AvatarMichael Bovee says

NOVEMBER 11, 2016 AT 6:54 AM

Based on what we discussed on the phone, you will want to settle PRA and Midland soon. They tend to file collection lawsuits in the 6 or so months prior to your state SOL expiring.

Laying low on those is not a good plan.

Keep me posted.

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AvatarSheri says

NOVEMBER 11, 2016 AT 9:08 AM

Hi michael. Ive been doing some research and the amount owed on some of the collections just dont add up… I dont think that some of the items in collections are mine or accurate.
Should I ask for proof? Or dispute the items? Could this reset my SOL?

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AvatarMichael Bovee says

NOVEMBER 11, 2016 AT 10:57 AM

Asking for proof of a debt does not reset the sate SOL to file a legitimate lawsuit. Asking for proof will not reset the time it can appear on your creidt reports either.

You can get to the bottom of any collections quickly by calling the original creditors. You can ask who they sent or sold the account to, and what the balance is/was at the time.

Check out this post about debt validation when your goal is settling.

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AvatarAngela says

NOVEMBER 3, 2016 AT 11:27 AM

I got a offer of 50% off. To settle $4000 credit card debt. Its been charged off what should i offer?

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AvatarMichael Bovee says

NOVEMBER 3, 2016 AT 12:28 PM

Who is the original creditor?
Who is the collection agency you got the offer from?
Do you have more than just this account showing as negative on your credit reports? If you have more collections, how many?

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AvatarMaria says

OCTOBER 29, 2016 AT 2:16 PM

Hi, im wondering if 20,000$ in debt is a good enough reason to Bankrupt. I am a single mother, and for unforseen circumstances I let some of my credit cards charge off. Its been roughly a year that I let some of these cards go, the other issue is my car payment since I got the car out of necesity at a 26.3% apr and was never able to re-finance to a lower rate. I have defaulted recently on my car its so difficult because it is an upside down loan now. I reside in CA. I am now employed with a company which I can afford to get back on track. My concern is that I have fallen to behind. Any advice? Please I am desperate. Thanks and blessings

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AvatarMichael Bovee says

OCTOBER 31, 2016 AT 9:36 AM

I would at least consult with an experienced bankruptcy attorney and weigh what you learn next to settling your debts. Chapter 7 will certainly be less expensive than settling 20k worth of debts with collection agencies.

Who do you owe, and how much on each account? If you know which collection agency has your account currently, include that information too.

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AvatarKay says

OCTOBER 28, 2016 AT 5:02 PM

I have received a letter from Law offices of Howard Lee Schift pc telling me that I owe just over $4,000 to bank of America. I know this is correct but I can’t afford to pay more than $30 a month and dont have access to a lump sum ofor money. Do law offices ever allow payment plans? Or is it more likely that I’m going to be sued? I would really like to just settle this and get it behind me.

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AvatarMichael Bovee says

OCTOBER 31, 2016 AT 6:54 AM

There are situations where you can set up monthly payment plans with a collection law firm before they sue. It is not common to set up one as long as you are needing based on that small a payment.

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AvatarGisella says

OCTOBER 28, 2016 AT 11:45 AM

I have several charge cards in collection now and it’s getting worse. I’m so frightened they’ll sue. My debt is 5000 or less. Should I file for bankruptcy. Is it common for creditor ti sue? My goal is to get therapy and stop spending what I don’t have.

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AvatarMichael Bovee says

OCTOBER 28, 2016 AT 2:45 PM

I rarely suggest filing bankruptcy over 5k worth of bills.

List who you owe and how much, and also include how late you are on each account. I can offer some options to consider from there.

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AvatarBill says

OCTOBER 21, 2016 AT 6:27 AM

I had a Citibank CC with a $7100 balance that I let go due to medical and childcare expenses. This was transferred to Global Credit and they sent me an offer in Dec 2015 to settle for $2077 (25% of balance) in 12 installments for $173. When I called Global to accept, they said it was too late as I only had a 10 day window to reply (of course, this date was after I received letter.) So I did nothing. It is now with Cavalry and I’m trying to get them to accept the 25% but they won’t budge. Any tips on how to deal with Cavalry?

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AvatarMichael Bovee says

OCTOBER 21, 2016 AT 7:06 AM

I have a page up about negotiating with Cavalry. Depending on the situation, you may not be able to get under 40% with them.

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AvatarKelly says

OCTOBER 20, 2016 AT 11:41 AM

Hi Michael,

I have approximately 26k in BOA credit card debt. The card was charged off about a year ago. Long story short, we were unable to pay and had to let it be charged off. WE are now able to start making payments to the card. We got a letter in the mail yesterday from an attorney wanting to represent us saying that the next step is that we could be sued. What is the best way to approach calling the agency and negotiating a lower balance, a payment plan and to get it all off my history? The agency is ” Client Services INC” Please help!

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AvatarMichael Bovee says

OCTOBER 20, 2016 AT 1:59 PM

Fill in the talk to Michael form in the right column. I will email you once I get that and coordinate a time to talk about how to resolve the debt with Client Services.

I would look to settle this for a much lower amount, and skip any payment plan. Settling will not only save you money, but get you on track with credit reporting quicker too.

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AvatarBarb says

OCTOBER 18, 2016 AT 11:45 AM

My husband died in 2010 and my mother died in 2014. After his death, I spent more time out of state visiting my mother than i spent at home and racked up alot of debt on my credit card which is with Bank of America. The balance is approximately $26,000. I am on soc. sec. since last year and stopped making payments to BofA 7 months ago. My portion of my mother’s estate should be enough to settle 50% (hopefully less) of my cc balance; but everytime I try to talk to them about a settlement, they start using their scripted words and expect me to answer yes when I don’t even know what they said. I just want them to give me a settlement amount. They said they are getting ready to charge it off. I’m not doing very well emotionally. It’s hard to fight back when you’re always sad. I don’t want to talk to robots who don’t care. I just want them to give me a settlement figure. I would appreciate any advice you could give.

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AvatarMichael Bovee says

OCTOBER 18, 2016 AT 5:13 PM

Fill in the talk to Michael form in the right column of this page Barb. I will send you an email when I get that in order to schedule a time to talk over your goals and next steps.

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AvatarTamara Francis says

OCTOBER 17, 2016 AT 6:04 PM

Hello your info I chose from a Google search. Please help. I am willing but not able to repay from lonely games played because my outside apartment neighbors looked and sounded so happy so often and I was miserably lacking in up to date living supplies so I activated the credit cards in the mail that came to me and shopped online and locally thinking the people who were happy with me through thin would be happy with me through thick. I currently have all charged off with one that is closed but still is accruing interest called credit one bank amount owed -$770, last payment $227, like august 2016 minimum due, capital one bank $595 charged off, interest rate was about 17%, last payment was about $30 august year 2015, blaze master card owed $444, interest rate was about 16%. ,SunTrust bank, owing $1425 an over draft debit card last payment approximately $35 in august 2013. Then first premier bank master card owing $1021. Last payment like September 2014, interest rate was around 21%. Please note all the cards here are charged off except credit one bank which I asked to be closed with regular balance of $400 yet with closure the account balance is $765~. Also there are 2 clothing companies cards midnight velvet and seventh both with balances of $434 and $740 in collections. No known interest rate. Last payment approximately June 2015.Then, ge capital, (synchrony furniture) balance $1027 in collections with interest rate around 19%. Also M&T bank over draft, amount $767 in collections interest rate was about 12%. My income is social security. What have I done? Plus student loan of $ 1600.

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AvatarMichael Bovee says

OCTOBER 18, 2016 AT 10:11 AM

What is your goal to resolve the debt?

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AvatarYesenia says

OCTOBER 17, 2016 AT 2:29 PM

Hi i had a Walmart card that i stopped paying in 2009. Just today out of all those years i received a call saying that i owe 1000 something with interest. I tried to negotiate but the man was just yelling at me. He said he is just taking me to court what can i do. I mean they never sent me any mail or tried to contact me and he has all my information but they did contact my brother. Its been 7 years.

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AvatarYesenia says

OCTOBER 17, 2016 AT 2:37 PM

The collection ageny is GE

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AvatarMichael Bovee says

OCTOBER 17, 2016 AT 2:54 PM

What state are you in?
When you look at your credit reports do you still see the account on there?

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AvatarYesenia says

OCTOBER 17, 2016 AT 2:57 PM

Im in Texas i really dont know but i was able to cosign for my brothers auto loan in 2014.

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AvatarMichael Bovee says

OCTOBER 18, 2016 AT 9:47 AM

Be sure to read more about scam debt collectors. It sounds like that may be what you are dealing with.

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AvatarYesenia says

OCTOBER 18, 2016 AT 10:50 AM

Ok he told me not to call his Office no more that he was just going to send it to Harris county courthouse.

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AvatarYesenia says

OCTOBER 18, 2016 AT 11:54 AM

How can i know if its a scam for sure. He told me not to call his Office again, he was just going to send it to Harris county courthouse. Funny thing that in the call he accidently pressed something and it started recording the call. He thought it was me recording got más and hung up.

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AvatarAmber says

OCTOBER 13, 2016 AT 5:06 PM

My husband paid of his target credit card. About $400 in cash two years ago at the store. When we went to buy our home it came up on his credit report. Long story short it is now in collections for $705. Most of that being late charges when he never received a notice and paid cash for his bill so no way to look it up. When he went to the store they couldn’t find anything. Go figure. What should we do with this collections bill for $705?

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AvatarMichael Bovee says

OCTOBER 14, 2016 AT 10:36 AM

How much time do you have before closing?

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AvatarAmber says

OCTOBER 14, 2016 AT 11:06 AM

We already closed. We did it all under me. Just trying to figure out how to deal with this collection the best way to get rid of it.

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AvatarMichael Bovee says

OCTOBER 16, 2016 AT 8:25 AM

If you already have the home and are not under that type of pressure, I would work through the CFPB complaint portal by filing a debt collection complaint against Target.

I am not sure how effective it will be. You have a he said/she said situation without any documentation to back you up. But that does not mean you should pay a bill twice either.

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AvatarTerri says

OCTOBER 12, 2016 AT 11:26 AM

My husband and I allowed a capital one card to get charged off about a year and a half ago when we were in a bad place financially. We were in the middle of losing a home I owned on my own to foreclosure and in hind sight should have worked harder to keep that card from charging off but what’s done is now done. Flash forward, we are hoping to be able to make a new home purchase in the spring under my husbands name. We checked the credit report and the charged off account is there, but its not showing as a collections account at this time. We got a call from a CA called Hayt Hayt and Landau and while discussing a potential payment scenario with them, I asked the woman how the payments we were arranging would report on my husbands credit report, and she told me she could not answer that. I have reached out directly to Capital One executive services and hope to hear back from someone but what I wonder is if you have any advise in terms of the account.

The balance is $6587 so it isn’t a small chunk.

She tried to offer me a pay off of like $5200 if I paid in full. I don’t have that much to pay out at once. She basically insinuated that if I don’t pay in one payment then the only options is to arrange to pay off the full balance. I have seen payoff scenarios from other debt collectors that are far more favorable such as paying off 40% for a one time payment and 50% over time.

I am looking for any advice or council on how to move forward. It there nothing I can do to get payments I make to the CA to report as being paid on the account???

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AvatarMichael Bovee says

OCTOBER 13, 2016 AT 10:46 AM

If you show monthly payments on a collection account this size, you can often still qualify for FHA underwriting. Many conventional lenders are going to want to see this as resolved before approving a loan.

Hayt, Hayt and Landau are debt collection attorneys. If there is still time for them to sue in your state, you have to be concerned about that. It is better to offer a lump sum settlement in your situation, and 50% is likely as good a settlement as you can get. And that is often not a gimme.

Are you going to be on the new home loan too? It is hard to get financing within 3 years of a foreclosure or short sale.

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AvatarCaleb says

OCTOBER 12, 2016 AT 7:42 AM

Hey Micheal, I am turning 20 this week and got my first credit card a year ago and quickly maxed it out, at the time I had just lost my job and assumed I would be able to find a new one soon. Eventually months went by and I still could not find a job or a way to pay my increasing debt. I have just recently found a job and had started to be able to make payments when I got a letter in the mail saying my debt of around $1100 had been sold to Commercial Crédit Adjusters (I live in Alberta, Canada by the way) and that I had 7 days to pay them in full. I called and spoke with the man in charge or my account I guess and he said he would give me till the 17th to give him an answer on whether I could pay in full (which I really don’t think I will be able to but he suggested I talk to my bank for a loan and said this was the only way to keep my credit from going down more was paying it in full but I doubt I could get a loan) and if I can’t I will have 90 days to work it out with them or something like that they called so early this morning. I was just wondering what my best options would be here because I really don’t know what to do and it’s really starting to scare me!! Thanks in advance.

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AvatarMichael Bovee says

OCTOBER 13, 2016 AT 10:39 AM

How long would it take you to raise half the amount owed?

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AvatarCaleb says

OCTOBER 13, 2016 AT 10:53 AM

I’d say about a month to a month and a half though I may be able to work more than usual.

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AvatarMichael Bovee says

OCTOBER 13, 2016 AT 1:58 PM

I would call them back and negotiate a settlement. You may be able to get better than 50% off, so aim lower, but be prepared. I do have a page up dedicated to settling cards in Canada. Read through the article and comments. Post questions and updates there as you make progress.

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AvatarJim says

OCTOBER 11, 2016 AT 4:30 PM

Hello,

A while back, I co-signed a loan for my nephew and the account is currently being handled through a debt collection agency (NES) due to nearly a year of not being paid. After a number of back-and-forth deliberations, they are currently offering a settlement amount that is roughly 60% of the amount owed. They are claiming that is the bottom line. I am wondering is that likely true and any efforts to negotiate further will be fruitless or even detrimental to the current offer? Or is it possible that they may yet present a lower settlement offer and is it safe to push for that? Thank you for any clarity you can provide!

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AvatarMichael Bovee says

OCTOBER 13, 2016 AT 10:32 AM

It was good to speak with you on the phone Jim. Let me know how things go with trying to get them to go lower. As I mentioned, it is a bit different to negotiate on unpaid car loans when you still have, and are going to keep the vehicle.

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AvatarJim says

OCTOBER 24, 2016 AT 2:47 PM

After attempting to get them to go lower that one last time, they actually countered at a higher price, (from 1890 to 2300) which is what I was afraid of. I assume it was a power play, basically to get me to beg for the lower price of 1890 that I was trying to get lowered. All in all, i recountered the 1890 and they agreed. This has been such a stressful and unnerving ordeal and your willingness to advise and inform me was tremendously helpful. Thank you so much!

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AvatarKyle says

OCTOBER 11, 2016 AT 1:40 AM

I had an American Express CC through Costco. I ended up moving to New Zealand from the US and took a 200 dollar cash advance on the CC when living in NZ. When it came time to pay I called American Express and told them it was a US card but I lived in New Zealand and needed to pay my bill. They told me to call the New Zealand American Express in Auckland. When I called them they told me there was nothing they could do for me since it was a US card. I called the US American Express again and they told me I had to mail a check to their P.O. box. Well I come to find out that not one single bank in NZ issues checks. So then they tell me I need to wire money to them but it has to be a US bank account. I closed my US bank account before I left for NZ and had no way of paying for the 200 dollar cash advance. It ended up going to collections and now a year later I am back in the US and wondering what I need to do to settle this debt and get it taken off my credit report. Thank you for taking the time to read this and I hope to hear from you soon.

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AvatarMichael Bovee says

OCTOBER 12, 2016 AT 7:38 AM

Call AMEX directly and see if they can accept payment.

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AvatarDorothy Halliburtn says

OCTOBER 10, 2016 AT 7:00 PM

Hello my name is Dorothy Halliburton
I had a Credit One Credit Cards for years – even paid for increase.
Well in Jan 2016 my mom took ill with no real help. So I begin paying for her helper and other household bills. I tried on numerous occasions to get Credit One to mail me copies of bills. The help is unreal (no clue of what person is asking them).
I will take not fault anyone for me not making my payments. My mother was my concern. Period.
Yes i make errors with this card, Monthly charges unreal now that I look at it. I now know what subprime credit cards are.
I do see some payments maybe 3.
Well they mailed me a letter stating they sold to Midland September 16.
I would like to see if they violated any of their policy.
The charge off right at 2,000.
Any help is appreciated.
Mother passed n September.

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AvatarMichael Bovee says

OCTOBER 12, 2016 AT 7:28 AM

Your best resource to go through and find out if Credit One did anything wrong would be an experienced debt collection defense attorney. I can email you a list of experienced ones in your state if you like? Where do you live?

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AvatarKevin H. says

OCTOBER 10, 2016 AT 1:52 PM

I looked at my Credit Report one day and the collection agency called JH Portfolio Debt Equities, LLC showed up on my Credit report. I called them to inquire what was owed and today 10/10/2016, I received a letter from JH Portfolio saying they are collecting a credit card debt that was owed to Bank of America way back in 11/21/2011 that was charged off. They want to make a payment arrangement. I don’t have the money to settle with them. What do I do from here?

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AvatarMichael Bovee says

OCTOBER 11, 2016 AT 9:59 AM

What state do you live in?
Do you have any major financing goals between now and 2018?

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AvatarKevin H. says

OCTOBER 11, 2016 AT 12:17 PM

I still have my residency in Idaho but I work in Utah, I come home on weekends and holidays. I was behind my debt when I lost my job in Idaho during job market crash in 2008. I slowly climbed out of it now. I am current in all my debt (I thought I was) except for this charge off and until the JH Portfolio showed up on my Credit Report which I forgot all about. I was told to be careful dealing with this charge off because it could start the statute of limitation. I want to work with them on payment plan. I don’t have the whole amount of $2,960.22 (this was the original balance from Bank of America). I also need to know how to deal with the negative impact of JH Portfolio on my credit report. Thanks

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AvatarMichael Bovee says

OCTOBER 13, 2016 AT 10:26 AM

I would only be looking to settle with the debt collector if you can swing it financially, or if you had credit and financing goals that this would hold you back from (like a home loan).

If you are serious about settling, how long would it take you to pull together a third of it?

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AvatarKevin H. says

OCTOBER 13, 2016 AT 11:38 AM

I won’t be able to settle with them and pull together a third of the amount until April 2017 when I get my tax refund. I have been dedicating my tax refund to climb out of my debt which I have been able to do. Would it be a good idea to contact JH Portfolio and let them know that I can settle this debt in April or let it be until April? What is the statute of limitation from the original creditor (Bank of America) In the state of Idaho?

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AvatarMichael Bovee says

OCTOBER 13, 2016 AT 2:20 PM

5 years. When did you last pay anybody on this account?

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AvatarKevin H. says

OCTOBER 15, 2016 AT 12:40 PM

I have not paid anyone except the original creditor, Bank of America, last payment was October 2011. I don’t know if any collection agency bought this account besides JH Portfolio, This is why I forgot this account even exist until it showed up on my Credit Report from JH Portfolio. This is why I called JH Portfolio to find out what I owe them and requested a verification because I don’t even know this company. Then they sent me a letter with an attach statement from Bank of America saying what I owe, payment due date of 11/11/2011, etc.
So back to my previous question “Would it be a good idea to contact JH Portfolio and let them know that I can settle this debt in April or let it be until April, then call them?
So, this account is pass the statue of limitation and they can’t take me to court?
From reading some review online, JH portfolio seems like an aggressive collector and they would do anything to collect, even taking people to court.
I don’t get what right does JH portfolio to report/submit what I owe Bank of America to my credit report.

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AvatarMichael Bovee says

OCTOBER 16, 2016 AT 9:01 AM

Based on the 11/2011 date it looks like you would still be within the SOL.

If you cannot offer any money until April, there is usually not much to talk to them about. And once you pass the SOL, which appears to be really close, you are often in a better position to negotiate a lower pay off.

If it were me, I would wait until I had the money.

Debt buyers purchase the legal rights to your unpaid debts. That affords them the ability to report a collection trade line.

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AvatarKevin H. says

OCTOBER 16, 2016 AT 12:48 PM

Thank you so much. I appreciate your knowledge, input, and help on this issues!!!
Thanks again…

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AvatarKar says

OCTOBER 9, 2016 AT 10:05 AM

I have $10,000 in credit card debt. Mostly, Comenity. I recently lost my job, payments have been late a few months. I cannot afford payments. What are my options? We own our home but I cannot get a loan or borrow against house as a friend purchased for us and we paid him.

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AvatarMichael Bovee says

OCTOBER 10, 2016 AT 11:16 AM

You can look to settle with Comenity, the debt collectors they later use, or sell your accounts to. You could save half or more on the balances.

Also, you may want to look into how chapter 7 bankruptcy could help you eliminate these, and other debts.

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AvatarKar says

OCTOBER 23, 2016 AT 8:39 AM

Wouldn’t that no against my home? Could I lose my home? I can’t tell my husband. He is ill.

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AvatarKar says

OCTOBER 24, 2016 AT 6:47 AM

I called Comenity to apply for their hardship program. I am terrified to end up in collections. I can manage the smaller payments for one year and hopefully can pay off sooner once I find employment again.
I was afraid to jeopardize my home where I owe private party $80,000. I didn’t think chapter 7 or 13 were really an option without losing more.
What do you think?

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AvatarMichael Bovee says

OCTOBER 24, 2016 AT 7:39 AM

I don’t typically like bankruptcy for debts that total 10k or less. Not when you consider you can avoid it by settling for 50% of the balances or less. That means you file chapter 7 over 5k or less, and lose the ability to file for 8 years.

You can often get longer term payment plans than what the banks offer by consolidating debt through a nonprofit.

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AvatarMichael Bovee says

OCTOBER 24, 2016 AT 7:24 AM

If you were sued and a judgment entered you could end up with a lien on the home. You can avoid that by settling with them proactively, or in reaction to having been sued.

That lien would not cause you to lose your home. But you would need to deal with eventually.

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AvatarTim says

OCTOBER 7, 2016 AT 10:16 AM

My parent have $11,000 in Discover credit card debt. Most of the debt is accumulated interest. Actual expenses on the card were about $1500 around 5 years ago. SOL is 6 years. His only source of income is security benefits and wife is disabled. He is 85. Discover has offered to settle for 40%. Should we jump on this offer or let it go to collections?

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AvatarMichael Bovee says

OCTOBER 7, 2016 AT 3:27 PM

It will not get much better (the settlement amount) if you let it go to collections. If your goal is to settle and put it behind them, this is a good time to do it. Be sure to get everything in writing before you pay.

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AvatarAmber Terrell says

OCTOBER 7, 2016 AT 7:08 AM

I have 4 credit cards with various department stores all being under Comenity bank. I live in NC. Last payment on all of them was Jan, 2012. The total of all 4 combined is $2681. I want to improve my credit score. I already own a home and car so I’m not looking for new credit just would like to know the best way to handle this. Do I call and offer to settle with deletion on my credit report? If so where should I start my negotiation amount? Do I just not do anything and wait until the 7 year mark? Thank you in advance for any guidance you can give me.

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AvatarMichael Bovee says

OCTOBER 7, 2016 AT 3:11 PM

If you want to clean up your credit now, rather than wait 3 years, I would suggest negotiating settlements. Call Comenity and find out who they have your accounts out with for collection, or who they may have sold the accounts to, and post those details. I can help you from there.

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AvatarAimee says

OCTOBER 6, 2016 AT 9:11 PM

In my late teens, I opened a Capital One credit card and ran into tough times.. I stopped making payments In 2010, I pulled my credit report from all 3 agencies. In that report on all 3 CRA’s, I had a Capital One cc scheduled to be removed in 2011 at the SOL for reporting. 3 months ago, I pulled all three reports and the Capital One account, now owned by MCI (collection agency), is showing a drop off date of 2018. It was re-aged on the year that it was scheduled to drop off of my credit! I sent a request for validation. They sent me a spreadsheet print out that says my FDOD was in 2011 so it’s been updated on my credit reports as “verified”, but how?? That’s a lie. It’s only $501 & I’m sure I could pay it, but if I do I’m afraid it will guarantee it will stay longer. It should’ve been gone years ago! The problem is, I closed the bank account I would’ve made the payments with long past my the date of my last payment, I don’t have any records or bills from that long ago, I can’t find the credit report that I’d pulled with the correct 7 yr SOL date on it that I’d pulled in 2010, and I don’t know when the exact date was of my last payment, so how do I prove the TRUE date first date of delinquency to get this illegal collection deleted? I’m afraid to talk to Capital One OR the collection agency for fear that I will just make it worse or start the clock over somehow. What should I do?

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AvatarAimee says

OCTOBER 6, 2016 AT 9:14 PM

Left a period off after “stopped making payments”. I know it was between 2005-2008 when I stopped making payments.

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AvatarAimee says

OCTOBER 6, 2016 AT 9:41 PM

*Midland Credit Management, not MCI

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AvatarMichael Bovee says

OCTOBER 7, 2016 AT 2:55 PM

You can call Midland and explain everything you are telling me. That will not cause any harm.

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AvatarMichael Bovee says

OCTOBER 7, 2016 AT 2:54 PM

I would file a debt collection and/or credit reporting complaint with the CFPB against MCI. Review that article for more about why and what to expect.

Let me know the outcome.

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AvatarVuyiseka says

OCTOBER 6, 2016 AT 11:14 AM

I have a total sport account. I did not pay for several months because of unemployment. I forgot to change my particulars so I never received any calls since I had a new number. I’m done paying it now but it’s charged off. Does it mean I will struggle when applying for a job even though I finished paying? Am I black listed? I really need to know

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AvatarMichael Bovee says

OCTOBER 6, 2016 AT 2:57 PM

No, you are probably not black listed. Check to make sure they updated your credit reports to show the account is paid to zero and a resolved collection. Let me know if it isn’t and lets go from there.

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AvatarJoan says

OCTOBER 2, 2016 AT 4:35 PM

I have a few accounts that have gone into collections as recent as September, My debt spans across 9 cards in the amount of 10,000 give or take a few hundred. I want to start settling them, but it is impossible to do so many at once until at least February. Is there a likelihood that I would be sued before then?

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AvatarMichael Bovee says

OCTOBER 3, 2016 AT 2:36 PM

Post a list of your creditors and the approximate balance on each. If you are already hearing from third party collectors, identify who and for which account.

I can offer the detailed feedback you need once i have those details.

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AvatarKris says

SEPTEMBER 28, 2016 AT 7:00 AM

How do subprime credit card companies (I.e first premier, mid Atlantic bank, first savings bank, etc. handle delinquent credit card accounts varying from 300-700 dollars each

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AvatarMichael Bovee says

SEPTEMBER 28, 2016 AT 9:03 AM

They often sell those accounts off to debt buyers.

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AvatarKris says

SEPTEMBER 28, 2016 AT 9:23 AM

Besides the obvious damage to credit and future consequences, is the likely hood of a lawsuit from the debt buyer high on such a low amount of debt and with no personal assets other than income of $20000 and benefits (such as unemployment, etc)?

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AvatarMichael Bovee says

SEPTEMBER 28, 2016 AT 12:34 PM

Unfortunately, debt buyers regularly sue to collect on smaller balances like this.

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AvatarWalter says

SEPTEMBER 26, 2016 AT 2:00 PM

My wife has a credit card with AMEX that just went to Alltran (we got our first letter today). They sent it to Alltran after nonpayment of 120 days. She owes $12,800. We tried to call AMEX to get our options, but they tried to set us up with structured payments. We didn’t like that idea because we’d have to waive literally ALL of our rights to do so.

My greatest concern is being sued and having some of our (very few, but very important) assets taken. For example, we own 1 acre of property outright (no loan).

I understand that our debt is unsecured currently, but I worry about getting sued and losing our property, which is very important to me.

I’d also like to pay for this debt. I’m not trying to be a horrible person when I tell them that I cannot honestly afford another $300/month payment.

She has two other credit cards in her name, both we have missed some payments on over the past 6 months, but we have made the latest 3 payments on time. These are smaller credit cards, one is $1000, the other $3000.

How concerned should we be about a law suit and what is our best option? My wife suggested that we pay the $300 as we can and if we can’t make it one month, don’t worry about it.

We can’t really come up with enough for a settlement, so that’s out of the question. Mortgaging the property to pay for credit card debt seems at cross purposes.

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AvatarMichael Bovee says

SEPTEMBER 26, 2016 AT 6:12 PM

You should be very concerned about a lawsuit when AMEX is involved.

I generally do not suggest making a payment that is not part of an overall strategy. You might as well light that $300 on fire if it is not part of something structured.

Mortgaging the property is not always at odds with your desire to keep the home. But it is a no starter right now because you cannot typically qualify for a loan when you have late pays and unresolved collection accounts like this.

Call in for a consult and I can help you look at creative ways to accomplish your goal. You can reach me at 800-939-8357, ext 2.

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AvatarJC says

SEPTEMBER 26, 2016 AT 6:00 AM

Hi, I have kind of a 2-part question: I live in Illinois, and fell behind on my gas bill over ten years ago. Eventually my gas (used for heating and cooking) was turned off, probably around 2001. It is now a time-barred debt that has long since dropped off my credit report, and nobody has tried to collect in probably a decade. I managed to get by with no gas until a few years ago when, unemployed and broke, I racked up a huge power bill and stopped paying after ComEd refused a workaround, When they finally disconnected my service, I owed them a whopping $12,000, most of it for late fees and interest, I still live in the property working part time for myself and after 2 years with no power, (meaning it’s probably three years since I’ve paid them anything), I’ve managed to save up about $2,500 in cash. I want to try and use my savings to get the power back on, so part one of my question isL if I try contacting the collection agency who now holds the debt, what do you think my chances are of them settling for $2k, assuming I can convince them it’s that or bankruptcy? I’m sure the debt has been charged off long ago, because I’m basically judgement-proof, with no wages to garnish, no liquid assets. no large bank deposits, and no credit cards to speak of. The company that;s handling the debt is listed as Southwest Credit Systems LP out of Carrollton Texas, and per my credit report are “Collection Agency/Attorney”. Unfortunately, the part about the bankruptcy would be a bluff,, because it turns out that the equity in my home is too high, due to Illinois law being unusually strict. We also have a 10-year SOL for contract debt! My mortgage is only $400 a month, and if I had to sell my condo, I’d wind up homeless, because I couldn’t afford to live in even a shared apartment for that amount, in Chicago, so I’m out of options. As the second part of my two part question, if I DID succeed in getting the electricity back on, what are my chances of being able to re-establish gas service as a “new customer” at the same address after all this time? If the old People’s Gas delinquency no longer shows anywhere, would they still have an internal record of it?, I welcome your ideas, and appreciate any feedback.

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AvatarMichael Bovee says

SEPTEMBER 26, 2016 AT 5:54 PM

I would call the power company and discuss all of the plans and options with them. They are who ultimately will decide whether they are going to deliver power to that unit.

It would likely be the easiest to put the power in a different name if that is an option.

The debt collector may settle with you, though maybe not for that low. But I would want that to lead to your power options being restored, and the debt collector has no power to make that happen, only the electric company would.

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AvatarAlison Irby says

SEPTEMBER 11, 2016 AT 1:46 PM

Our house burned down and we have been sick but after two years getting back on our feet. I have a job but all they care about is getting letter to say I have paid off debt. This is urgent trying to get me an apartment and all that really matters to them is you pay it off and a letter to my e-mail a notice stating it is closed and I paid it off. It’s urgent because I have this all done in the next two days. I have money but I need to know the fastest way to pay off and have them send an e-mail stating it been paid off. The apartment will be gone in two days. Who do I call? To make this happen fast, talk to manager of the collection agency or go back to original creditor. Also if I pay it off tomorrow on my debit card how do I get that letter stating its paid off. They need to see that or I can’t get the unit. What if they say we will send it to your e-mail and they don’t. Best and fastest way to pay it right then tomorrow and they will be waiting on the letters from each one to state it’s paid off.?? Please advise adapt if you can. I have been sick and taking care of mom, I’m trying to get this apartment tomorrow because I have all the money now, otherwise it will be gone cause these units never go vacant!! Hope you can help???

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AvatarMichael Bovee says

SEPTEMBER 12, 2016 AT 6:11 PM

Who is the debt collector you are dealing with, and who is the original creditor?

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AvatarLynn says

SEPTEMBER 9, 2016 AT 5:43 AM

Hello, My name is Lynn. I have a question regarding an Chase credit card that was charged of 04/12. This account was then sent to Unified collection company in which I set up monthly payment plans and never missed a payment until the final balance was paid 07/16. My question is, the entire time I was paying on this debt, Chase was reporting my account as CO every month with the balance owed. Is this legal? Is there anything I can do to have that removed? I thought a charge off was a one time hit.

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AvatarMichael Bovee says

SEPTEMBER 10, 2016 AT 9:35 AM

The charge off should only count once against you. The fact that the account charged off is typically going to appear on your credit for 7 and one half years from when you stopped making regular payments (before you started making schedule payments to the debt collector).

Not much you can do to remove it early, but your credit can better improve now that it is resolved.

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AvatarShelby says

SEPTEMBER 2, 2016 AT 3:59 AM

Michael,

I have separated from my husband almost a year ago who completely destroyed my credit. While I was in school he took control of the money (my mistake) and allowed several cards to go unpaid. He even racked up 7 missed payments on my car, not all at once so that it wouldn’t get repossessed, but nonetheless destroyed my credit. Since leaving him I have paid off every credit card that I own and have been making large payments son student loans. My credit score has shot up 150 points within the last 8-9months. I had one small collection from a cable company for $60 that has since been paid and removed. The only derogatory account remaining is a charge off from Target for $2500. I have been leaving that for some time as it hasn’t become a collection and was trying to pay off other things as well as getting my own place, and paying attorneys fees. I doubt I will get any money from him to pay for this account. I believe this is the only reason that I am not constantly being denied for credit cards as other credit factors of mine are positive.

I do not wish to pay the full $2500, especially if getting rid of this account isn’t going to help my score and my likelihood of opening a credit card. (I don’t need a card but was working on continuing to build my credit score back up to the almost 800 that it was before him). I could definitely do a couple of large payments or even a lump sum with a maximum of $1000. Is it likely that TD Bank/Target will remove this charge off for that amount?

The account was charged off a couple years ago but my stupid soon to be ex-husband would pay randomly after it was charged off a small $25 thinking that would help. The last date of payment was 02/2015, it was last reported on my credit as of this past month.

Any advice on what to do and/or working with this company or bank is greatly appreciated!

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AvatarMichael Bovee says

SEPTEMBER 3, 2016 AT 8:56 AM

TD bank settles for half or less in many situations. They will not remove it from your credit reports though. Not even if you paid them the full amount with fees and interest. But that is okay. You credit is improving and the paid collection is not going to throw off your efforts.

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AvatarShelby says

SEPTEMBER 5, 2016 AT 4:51 AM

I received the denial letter from the card I applied for. The only reason it states for denial is the charge off. Is it worth trying to settle the charge off and at least have them report it is paid or will the credit card companies still see it as a charge off and deny me because of it? Trying to determine if it is worth spending the money to pay off the charge off or just ride it out until it is removed.

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AvatarMichael Bovee says

SEPTEMBER 5, 2016 AT 7:54 AM

For me it would depend on how soon Target is set to drop off your credit reports.

If Target is going to fall off in a year, and I am not going for a mortgage, I would wait it out. If I had a couple years or more to wait, I would probably settle this and wait 6 months or so after the zero balance is showing on my credit, and then make my next move to rebuild.

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AvatarShelby says

SEPTEMBER 5, 2016 AT 11:50 AM

I have tried to make sense of what different sites are saying. Will the charge off fall off 7 years after it was declared a charge off, after the date of last payment, or after they stop reporting it to the credit agency?

If my credit report only shows date of last payment but not the date of the charge off (which was before the date of last payment) can I dispute it?

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AvatarMichael Bovee says

SEPTEMBER 6, 2016 AT 8:08 AM

Count 7 and one half years from when you stopped sending in regular payments. If you stopped paying for, say 3 months, then made a payment, and stopped from there on out, it is still when you stopped making your regularly scheduled payments.

You can dispute an inaccuracy on your credit reports, but sometimes I would not suggest it.

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AvatarCori says

AUGUST 30, 2016 AT 10:45 PM

Hi Michael,

In need of some advice from an expert. In April 2015 I was laid off from my employer and was no longer able to pay on my AMEX. The last payment I think I made was in May 2015 and was not able to do much since unfortunately.

The current balance is a little over $8,300. Amex had tried to collect and settle for 60% back last year, but I didn’t not have that at the time either. It went from them to GC Services and now to a collector called First Source. First Source has been calling, but I have not been in a place to settle.

Are you familiar with them and the best way to negotiate?

Also, I don’t think it has hit my credit report (checked last week) and I am keen on preventing that if at all possible. I am sure that will change soon as they sent a letter asking for a written dispute a little over 30 days ago, but I decided not to contest and give it the run around.

I would like to settle this debt before it can hit my credit report and lower my scores.

Any advice is welcome and greatly appreciated!

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AvatarMichael Bovee says

AUGUST 31, 2016 AT 6:59 AM

I am familiar with First Source. They are a larger debt collection agency. Call me to talk over why settling with them may be best, or why, depending on your ability to settle, you may have to wait, but end up paying more to resolve this in the long run. You can reach me at 800-939-8357, ext 2, or by submitting the talk to Michael form in the right column of this page.

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AvatarDianna Ciletti says

AUGUST 14, 2016 AT 6:20 PM

Hi Michael,

After a divorce and a spinal surgery that left me disabled over 3 years ago, I was stuck with half of the family debt ($50 grand) and a total income between SSI and alimony of $62500. I have one child that is in college that I help as I can (he works, helps me) but became overwhelmed with credit card payments, extreme medical bills and living costs out on my own. I signed on a year ago with Harbor Legal Group out of Colorado for a debt consolidation and pay them $600 a month. What they explained to me and what has happened in a year are 2 very different things. So far, they have only reached one agreement with one of the smaller cards for about half. Looking at my account, my $600 payments seem to go in their pocket vs settling with the credit cards. My contract is for 4 years. They had first told me that around 6 months they hoped to have 3-5 settlements. Looking at my credit report as my score continues to dive, most credit card companies have charged off the amounts. I receive no phone calls or threats from them. I am thinking that filing bankruptcy may have been the better choice as I am struggling to pay the $600 per month to them. Is there a legal way I can get out of my contract with Harbor as they don’t seem to be doing what the plan was? Should I look into bankruptcy? Thanks, Dianna

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AvatarMichael Bovee says

AUGUST 15, 2016 AT 10:10 AM

Call me for a consult Dianna. You can reach me at 800-939-8357 ext 2, or submit the talk to Michael form you see in the right column on this page and we can email back and forth to set up a time to talk things over on the phone.

You have to pass a 65k-ish income means test to file chapter 7 in Colorado (2 person household). If you are a one person household you may not be able to do chapter 7.

If you still want to settle debts you may be able to, but I would want you to try everything to get your money back if there were advance fees charged by the settlement outfit.

You can absolutely cancel with the settlement company.

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AvatarTaylor says

AUGUST 9, 2016 AT 12:10 PM

Hey I got myself into tough financial trouble after moving about two years ago and have gotten a steady salaried sales job so money is much more stable. I just settled with my biggest balance card and am having a family member loan me the money. I know I’m going to have a retail and one more credit card go to collections. They’re much lower in balances (800 & 3500) and with finding out how much I can negotiate with them am I able to settle on a lower amount and make payments or do they just negotiate for a lump settlement? I know I won’t be able to loan anymore money from family and really don’t want to and don’t like that I did.

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AvatarMichael Bovee says

AUGUST 10, 2016 AT 8:43 AM

How long ago did you last pay those 2 accounts?
Who are the accounts with?
Who is collecting on them now?

It is often best to settle with a single lump sum amount, but there are instances where you can settle and break it up into payments. There are some creditors, and debt collectors, that I would avoid talking payment plans with.

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AvatarTaylor says

AUGUST 10, 2016 AT 2:47 PM

Another chase for I believe 2500, maybe less not sure to be honest. But haven’t paid in at least 6 months. I can’t do another lump sum because I have no money saved from paying off my debts and I really don’t want to keep hitting family up for it. I have two cards (Nordstrom retail card and a Capital One) that are on the verge of collections and I want to try and keep those from going. Nordstrom will work with me and Capital One I want to keep alive because it’s my oldest card and first card but I think if I could do the minimum payments it would just take forever so I anticipate that going to collections soon. I would love if a collection company would say we’ll take 50$ of the balance and do monthly payments but not sure if they do that or will.

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AvatarMichael Bovee says

AUGUST 11, 2016 AT 10:01 AM

I would avoid settling with Chase using payments and just wait until I could save up to settle for a lump sum.

I would try to tackle Capital One, and with payments, after they charge it off. They cannot go beyond 3 months payments with settlements prior to charge off, but can go longer after that. Just know that talking low monthly payments typically means you are not able to negotiate much or any savings off the full balance owed.

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AvatarTaylor says

AUGUST 11, 2016 AT 1:04 PM

the second chase card actually called me yesterday. We settled from $31xx to $1810 and my brother is lending me $1500 but told the collections he would only give me $1250 so when he’s able to transfer me the money I’m going to go back and tell them I was able to get $1500 and want to pay the full up with that. What’s $300 (I’m hoping they’ll see it that way). I just fear with Capital One that it’ll be too much of an initial payment to keep it alive after all the fees and interest has built up. I need to actually call them and talk to them about it. Also sorry for the delayed responses I’m not getting notified when you write back.

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AvatarMichael Bovee says

AUGUST 11, 2016 AT 3:19 PM

Capital One is far less flexible than Chase. I would put them first then circle back and deal with Chase if it were me.

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AvatarTaylor says

AUGUST 13, 2016 AT 7:18 AM

I just saw this. Was trying to login to capital one and they’ve moved it to collections already it looks like. It’s going to have to be a waiting game now. I guess i screwed that bit up. It’s gonna be a while until they get any sort of settlement from me with settling up my two chase cards. Hopefully I can get some money saving.

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AvatarMisty says

JULY 31, 2016 AT 8:29 AM

He Michael. I have a judgement against me made Nov 2011 for almost $7000 plus interest and costs with Asset Acceptance, LLC. I would like to get this handled. I live in Georgia. What would be the best way to start negotiating with them? I obviously do not have $7000 but my family is willing to help up to $2000. Any advice would be appreciated.

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AvatarMichael Bovee says

AUGUST 1, 2016 AT 7:46 AM

You are likely going to need to pull together more than 2k. How long would it take you to gather up half the balance owed today? Judgment interest can go as high as 12% in Georgia. Assume the balance you owe is closer to 10k now, so you need roughly 5k.

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AvatarMisty says

AUGUST 1, 2016 AT 2:27 PM

I could maybe come up with 5k in a month or two. Maybe sooner.

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AvatarMichael Bovee says

AUGUST 2, 2016 AT 7:11 AM

I would not make an effort to settle until I had access to about half.

I have a page up dedicated to settling with Asset Acceptance.

If you want help call me for a quick consult at 800-939-8357, ext 2, or fill in the talk to Michael form in the right column of this page and I will coordinate a time to talk with you via email.

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AvatarDaniel says

JULY 28, 2016 AT 11:18 PM

I have two Bank of America accounts with 0% Iam struggling paying them now, the 0 will be up in October….Iam now on disability so I have a very set income of 1400 a month…talk with the debt settlement company boa uses, on paper she said there is s just no way to recover from this with what Iam bringing in now…so Iam not late yet but am going to haft to be now..the payments with interest on them are impossible, should I just do bankruptcy? I have tried to call boa was on hold for 30 minutes had tonged off the phone so I never spoke to anyone..any help would be greatly appreciated…I don’t know what to do….

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AvatarMichael Bovee says

JULY 29, 2016 AT 10:05 AM

What are the balance on the BofA accounts as of today?
Do you have other credit card debts, and if so, how much do the additional accounts add up to?

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AvatarKayla says

JULY 20, 2016 AT 11:50 PM

Hello Michael,
I currently have two charged off credits cards. One with Wells Fargo for 900 and the other one with capital one for 300. I opened these when I had just turned 18 in 2012. obviously not knowing how to be responsible with credit cards . I only had them for about a year before I could no longer pay them. I just turned 22 and really don’t want these credit cards to haunt me forever, I’ve read online that even when you pay off debt sometimes collections don’t take it off your credit report? Or you pay more than you owed and I don’t know if it’s worth it to pay these credit cards off if it’s going to cause me more problems. I am willing to pay these cards full I just don’t want to be in credit card debt . (I have student loans to worry about) I haven’t called around because I don’t know where to start and how collections really works to be honest. So if you can lead me in the right direction and maybe some tips that would be greatly appreciated thank you so much.

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AvatarMichael Bovee says

JULY 21, 2016 AT 7:25 AM

It is not just sometimes, but nearly all the time, that paying a collection account does not get it removed from your credit. That is normal. But they do update the credit reports to show you paid, and that will help you rebuild your credit.

This very page is full of information. Read deep into the comments for tips and advice. You can check out many of the videos on our YouTube channel for tips and strategy. Here is a good one about timing your negotiation efforts with collectors to start you off.

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AvatarLydia says

JULY 18, 2016 AT 8:43 AM

I am trying to buy a home and I had some collections that needed to be paid off before closing. My mortgage company pulled our credit in May. As of May one of my debts had been removed from one reporting agency because it has been 7 years since the debt was incurred. As of June the debt was removed from all reporting agencies. My mortgage company is saying the debt is still showing as an open account with JH port and we need to pay it or get it removed before we close. My questions are:
1. How can this be?
2. Can my mortgage company still make me pay the debt even though it is not showing on my credit report?

Any input would be greatly appreciated!

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AvatarMichael Bovee says

JULY 19, 2016 AT 2:54 PM

It was nice to speak with you on the phone today Lydia. Please post an update after you get things over to the lender.

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AvatarHeather says

JULY 14, 2016 AT 1:45 PM

I have a Capital One Credit Card in collections with Scott and Associates, P.C. out of Carrollton, TX. They account charged off in 07/2015. My last payment was 05/2015. The charge off amount was for $5895. This has been placed on my credit report and updated on 07/03. On 07/04 – Scott and Associates, P.C. Sent me a letter with an intent to sue. The letter states that I have three options 1) Call them 2) Pay off and settles for around $5460 OR make monthly payments of $246.

What are my options for neogtiating settlement of the debt? I can’t pay the full amount at this time. I ideally do not want to make monthly payments of $246 for the long term. I know that I could pay this off completely in March of 2017. I was wondering what my best options are? Should I try to scrounge around for a 50% settlement. Should I try to pay it down and then offer a settlement later? What are your thoughts?

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AvatarMichael Bovee says

JULY 14, 2016 AT 2:57 PM

If it were me I would be focused on pulling together 50% and trying to negotiate that outcome now, and before they sue. If you have to be sued, and then buy time using the formal court process to your advantage, and then settle for 50-ish percent, it just is what it is. And I would rather do that (you still avoid a judgment) than agree to monthly payments that you don’t like to begin with.

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AvatarLisa says

JULY 13, 2016 AT 1:26 PM

Have a charged of credit card with Capital One with a balance of $2,173.21. Charged off about a year ago. In April received a letter from Law Offices Weber & Olcese, PLC from Damon C Non- Lawyer Collector asking for payment. Wanted full amount and had no way to pay so didn’t respond. On July 9th 2016 received knock at the door and was served Summons And Complaint from local court. Haven’t called anyone yet and don’t know options. I read a bunch of complaints about this company settling with people for set payments and stopping lawsuit and then coming to find out that they followed truth with court and your a no show and judgement against you. Then they start wiping out banking accounts and tax returns for way more then original balances and what was agreed apon.

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AvatarMichael Bovee says

JULY 14, 2016 AT 10:10 AM

It is important to get any settlement agreement in writing before you pay. If you have the written agreement and proof of payment (showing you paid how you were supposed to, and by a certain date), you can fix any mistakes or errors of future collection, should they occur.

Can you pull money together to settle for a lump sum?

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AvatarLisa says

JULY 14, 2016 AT 4:22 PM

Not really but I could make like $300 monthly payments starting next month. But that’s taking out medical bills from my daughter.

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AvatarMichael Bovee says

JULY 14, 2016 AT 6:50 PM

You may have to get them to agree to accept what you can afford. I am not a fan of making monthly payments on collections in the court. It usually means you have to consent to a judgment. That is okay if it cannot be avoided.

I have a page up you should review about negotiating payments or a settlement when sued.

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AvatarLisa says

JULY 28, 2016 AT 7:30 AM

I came up with half and they said they agreed to take 50% as long as I pay by 7-29-2016 at their office by 4:00pm. We said I wanted email verify that would settle for $1086.00 and after 24 hours haven’t received anything. Im going tomorrow to pay in cash. They said that they will then send written papers to the court to drop the lawsuit. I’ve read so many complaints against this company that I’m afraid I’m gonna give them this money and they won’t follow through. Is it wise to pay cash? I don’t want them having my banking info cause there are a couple complaints that they actually falsified court papers and went to people’s banks and wiped out checking accounts. Don’t know if that’s true or just dishonest clients trying badmouth them. Also what should they be given me in writing once I give them the cash showing paid in full for less then full amount? Thank you for your replies!

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AvatarShawn says

JULY 12, 2016 AT 3:56 PM

Great site. I just called USAA to settle a Credit Card that have a $9500 balance. It was charged off and the debt is about 4 years old. They told me they could only do 50% and they would let me do 12 months worth of payments.

I also have a HELOC with them at a value of $61k. I haven’t worked on negotiating that…it was also charged off.

What is the best I could hope for on a credit card settlement.

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AvatarMichael Bovee says

JULY 12, 2016 AT 4:51 PM

You left a little money on the table, but not much. I would hold off accepting the credit card settlement if you want to settle the HELOC. You can sometimes use the multiple accounts to get the best outcome. Call me tomorrow for a consult if you like. I can ask some questions and go into the details of what I would do in your situation.

You can reach me at 800-939-8357, ext 2, or fill in the talk to Michael form in the right column of the site.

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AvatarMichelle says

JULY 7, 2016 AT 11:08 AM

Hi Michael, I want to say thanks so much for all of the great information you provide. I visited a hospital last year for some tests and was of the assumption that my insurance covered the costs. I recently discovered I owed $130 and called the hospital to pay the balance directly. They told me that I would have to contact Kevin B. Wilson law offices (debt collector) and discuss the balance with them. I recently (5/16) received a letter from the collection agency asking that I notify them within 30 days to dispute the validity of the debt which had skyrocketed to $888 due to ‘contractual attorney fees’. Is there anyway I can settle for 50% of this balance and pay it all at once or set up a payment plan? And if so, how would I go about getting that settlement? Should I send a letter to them requesting validation? I’m a full-time student currently living with my parents who cannot afford to pay a debt this large. Any information would be so helpful, thanks so much!

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AvatarMichael Bovee says

JULY 7, 2016 AT 3:19 PM

This is aggravating. Call me to go over some details and I will make some suggestions from there. You can reach me at 800-939-8357 ext 2.

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AvatarMichelle says

JULY 9, 2016 AT 8:59 AM

Will do! Thanks for your willingness to help; I’ll give you a call on Monday.

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AvatarKristin says

JULY 7, 2016 AT 3:52 AM

Hi Michael,
I have a 6000 debt from a Discover It card. It is not to a collection agency yet, however im sure it will soon be. Can you just give me a quick guess at what % they will typically take as a lump sum payoff? I read some of the conversations on here about certain banks like capital one being aroun 50%.
Thanks in advance!

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AvatarMichael Bovee says

JULY 7, 2016 AT 7:47 AM

How long have you had your Discover Card?
How much of the balance is from charges made in the year leading up to payments being stopped?
Were there balance transfers or cash advances in the last 12 to 24 months?

The answers to those questions will help me offer better feedback.

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Avatarsandra says

JULY 5, 2016 AT 12:00 PM

Hi,
I have a advanta charge off account. DLA was 06/2010. I am trying to buy a house and when my report was pulled I found out. I called Carson Smithfield and they said they would settle for 520. and mark it as settled.
Can I negotiate with them to have a pay for delete since the statute of limitation expired?

Thanks!

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AvatarMichael Bovee says

JULY 5, 2016 AT 6:08 PM

The SOL to sue may be gone, but the SOL to credit report does not appear to have expired. It is highly unlikely to get a deletion in return for money at this point. Here are some good videos on my Youtube channel to watch:

Does pay for delete work?
How long can a negative stay on my credit?

If this is the only thing holding you back from a home purchase, you will probably be able to get that done once this is resolved, even with it still on your credit.

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AvatarMallory says

JULY 1, 2016 AT 1:04 PM

Hi,
I have a question about a charge-off on our credit report. We have been delinquent on our payments since 2012. I missed a few payments and when I went to start paying they rejected our payment and sent it back saying that our account had gone into collections. I spent all day on the phone calling to find out who our collectors were and how to pay on our debt. I was sent on a run around chase and never found who held our debt. They told me they would contact me once they found who bought it from them. I tried again a few months later only to have the same thing happen. We never got a phone call. Then I ignored it. Now 3 years later we are trying to apply for a mortgage and we are being denied because of this out standing debt. I am receiving conflicting suggestions on how to handle this from the internet. I am hoping you may have some insight on what we can do. We have never been contacted by the credit company, nor any collection agencies

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AvatarMichael Bovee says

JULY 2, 2016 AT 9:18 AM

Call me to go over your situation in detail Mallory. Make sure you have a current copy of your credit report. I can help you get to the bottom of it.

I am not in the office at all this weekend or on Monday July 4th, but call me at 800-939-8357, ext 2 on Tuesday.

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AvatarLyn says

JUNE 25, 2016 AT 3:53 PM

5/27/2014 Date of letter received from Levy and Associates LLC – representing current owner: Atlantic Credit and Finance – Original Creditor: Household Beneficial. Amount due $11,000. The letter offers me to settle the account with them for $5,500 but only if received by 6/27/14. No payment or contact by me to them was made.

6/10/2015 date of letter received from Kirschenbaum, Phillips & Levy PC telling me that they firm has combined with Levy and Associates LLC and Kirschenbaum and Phillips, PC. The letter just states that same creditor and original creditor as above and I can contact them within 30days if I dispute debt. No contact to them by me was made

3/12/2016 date of letter from Kirschenbaum, Phillips and Levy PC telling me that my account is currently being serviced by Kirschenbaum, Phillips, Levy and that the current owner is Atlantic Credit & Finance Special Fiance Unit LLC. The letter goes on to state that for my records, the account number at charge off and creditor at chare off (HSBC Household Realty Corp) and charge off and current balance $11,000. And if I have any questions to call them. No contact to them by me was made.

It is now 2016 and have funds available to settle this account, but I do not want to trigger a suit. So, how do I handle this? I could go as high as 50%, so $5,500 but prefer to pay less say, 30% which will allow me to settle two more accounts. Last payment was made in 2012. SOL is 6yrs in my state. I don’t want to risk a lawsuit and would prefer to settle and get this behind me. If I just pay the 50%, $5500 that they asked for to settle in 2014 and just mail in that payment with a copy of the letter, would they accept it and just send me a settlement letter.?

Thank you for your advice. I appreciate it.

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AvatarMichael Bovee says

JUNE 27, 2016 AT 6:13 AM

I would NOT just mail in the amount in a settlement offer that is expired. You want to generate a new letter, but first, what is the amount of the other balances you are trying to settle, and who is collecting on those? I like to be as inclusive with strategy as possible.

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AvatarLyn says

JUNE 30, 2016 AT 7:48 AM

Thank you for your reply.

The other accounts I would like to settle are:

1. Nordstoms / Portfolio Recovery Associates owns the account. Balance due is $2800 / received letter 10/1/2015 saying they will accept $1945 for settlement if paid by 11/1/2015. Also letter says that the account transferred to litigation dept, however no attorney has personally reviewed the circumstance of the account.

2. Advanta / Carson Smithfield is collecting. / balance due is $3800/ recieved letter 2/1/2016 saying they will accept $1100 if paid by 3/1/2016.

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AvatarMichael Bovee says

JUNE 30, 2016 AT 8:44 AM

The Advanta settlement is good.

PRA does sue, and though that letter says the account is/will be placed with the litigation team, it sounds like they have not sued yet. It is highly likley though. Try to avoid that by negotiating a better outcome with them too.

When you settle the Atlantic Credit debt you will be alerting other collectors that you are a better collection target than they may have previously scored you as. Do you have additional resources you can use to settle with PRA? Carson Smithfield is last on my list of priorities if it were me in this situation.

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AvatarLyn says

JUNE 30, 2016 AT 9:18 AM

So plan of action should be to call:

1. Call PRA for Nordstrom’s and negotiate a lower settlement with them and pay that. Max I have is $1100 at this time.

2. Call to negotiate a settlement with Levy for Atlantic Credit and pay that. Max I have is $5000 at this time.

3. Then pay Carson Smithfield for Advanta when funds are available. I’ll have to wait a month or two for this one.

I have two additional accounts under collection that are with PRA:
1. Wells Fargo – $12k – received letter on 1/10/16
2. Wells Fargo – $7k – received letter on 5/18/16
BOTH letters for the Wells Fargo accounts state the following: The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it.
* These two accounts I’m don’t believe I should be concerned with right now as I cannot be sued for them. I can try to settle them at a later time if needed. last payments were made in 2012 on both of the WF accounts also.

Thank you again for your advice.

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AvatarMichael Bovee says

JUNE 30, 2016 AT 10:48 AM

You have a good grip on your situation and the priorities the way I see them.

Keep me posted with how things develop.

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AvatarChris Jones says

JUNE 21, 2016 AT 5:36 PM

Michael,

I have 2 really quick questions.

If I settle a charge-off by a 12 month plan with the collection agency, how does that hit me for my taxes aka the 1099-C? Do I pay taxes on the whole charged off amount or do I wait to pay taxes when the settlement is paid off?

From what I read it takes apx 7.5 years after charge off for the negative mark to drop from my credit file…. Does that “clock” start ticking when it was charged off? Or after paying this charge off via a settlement, perhaps 12 months later reset my clock and start over?

Thanks!!

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AvatarMichael Bovee says

JUNE 22, 2016 AT 5:11 AM

Check out this article about how to prepare for tax on cancelled debt, or how to calculate if you will not owe tax at all.

There is no reset on your credit reporting when you settle. The clock starts when you fall behind with payments.

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AvatarChris Jones says

JUNE 21, 2016 AT 11:36 AM

Hi,
Need some guidance to target a few collection companies calling me:
I want to settle these accounts and do not know where to start with my conversation.

Client Services (seeking money for Chase) – amount owed 17000
Norland Group (seeking money for Capital One) – amount owed 3000

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AvatarChris Jones says

JUNE 21, 2016 AT 11:55 AM

HI Again, the third and final one is Admin Recovery LLC Collection Agency for TD Bank for balance of 7500.

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AvatarMichael Bovee says

JUNE 21, 2016 AT 12:38 PM

How you start off speaking with a debt collector can often hinge on how collectable they see you, and your ability to fund a settlement lump sum vs needing time to pay.

Call me for a quick consult if you like at 800-939-8357, ext 2 rings to me.

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AvatarKaren says

JUNE 15, 2016 AT 11:30 AM

I fell behind on payment of my BofA credit card due to medical bills and eventually disability. My account was turned over to NCB Management Services Inc. I was contacted by NCB with an option to pay lump sum or payments. I opted for payments and relayed bank account info and payment amount for monthly debit. I never heard back from NCB – about 5 months went by and was recently contacted by an attorney from a firm called Hayt, Hayt & Landau. When I replied to their letter with proof of the offer to repay, they responded that “their client has determined that the complaint was not vendor caused and therefore, the complaint is unjustified”.

I would like to know what my best options are. I have been banking with BofA for decades and I would like to think that they could let me work this out since I genuinely want to try to repay. I was in contact with them throughout, so it was not as though I was not explaining my situation. I have had no income for almost two years, waiting on SSDI, and my mom had to sell her house to support both of us. The amount of debt is $7792. If I was to try to offer lump
sum, what do you think would be reasonable? This is the only card that I became delinquent on and I want to get this resolved. Will great appreciate any advice.

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AvatarMichael Bovee says

JUNE 17, 2016 AT 6:37 AM

Targets for settling BofA accounts in collection are great. Given that Hayt Hayt and Landau, a collection law firm, is now involved, your settlement targets will be higher. Can you raise 40 to 50 percent?

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AvatarJohn says

JUNE 14, 2016 AT 5:41 PM

Hi Michael

I came to USA five years ago for education. I have completed graduation and then started working..
Until January 2016 everything went so well. I maintained my credit history like treating our own family. No missed payments, optimum usage of credit limit, always less than 27% of total limit. My total credit limit is more than 60K. Here comes the problem, I came to my home country and attended visa interview. but, my visa is still under processing and i’m not sure whether i will get it or not? I returned my leased vehicle under voluntary surrender program. During january to april, i have paid all the bills, rent and everything since then i was hoping i will definitely come back! Now i can’t pay the bills now.credit card balance discover 8500, citi 4500, lending club loan 19000. Until now no late payment has been reported. But from august onwards it will be there on my credit report. since most cards taking 30-60 days time to report.

If i comeback i will definitely pay all the bills soon or later not bothering about credit history. what if the situation is same like now after six months? I don’t want to ditch all these companies but i don’t have option. In my country i cannot earn the same like in USA.

1. will the credit card or collection companies come to my country(ASIA)?
2. if they come, will i get options to negotiate with them? since the money earning will be 5 times lesser?

Please let me know your thoughts

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AvatarMichael Bovee says

JUNE 14, 2016 AT 6:09 PM

Those lenders will not be chasing you down in Asia.

You can deal with these debts when you are back in the country, or when your finances improve, and when the accounts are out with third party debt collectors. It is very common to be able to settle for less than what you owe when the bills go unpaid long enough.

Focus on the visa, and the rest will get sorted out over time. When things do change, post an update and lets go from there.

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AvatarRaj says

JUNE 15, 2016 AT 6:23 AM

Thanks for the response. I will definitely post my situation once there is an update. Regarding visa, it’s not in my hands! Embassy has to issue visa once the’re done with the processing. The bad part is we never know how long it takes?

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AvatarDanielle says

JUNE 9, 2016 AT 1:36 PM

When I was in college I racked up a ton of debt on a Bank Credit Card. I was able to make minimum payments for a couple of years, but one day I wasn’t able to anymore. Living expenses were too much, and I couldn’t pay anything anymore. When my income rose, I figured it was too late to make payments, so I did nothing. The calls came from the bank, now it’s a collection agency. It’s been two years since I was last able to make a payment. I owe approximately $9000. I’d like to resolve it, but I’m scared and I don’t know what I can do. I don’t answer when they call, but I know they’re calling family members. What are my options now?

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AvatarMichael Bovee says

JUNE 10, 2016 AT 7:33 AM

Who is the creditor you stopped paying? Who is the collection agency calling now?

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AvatarDanielle says

JUNE 11, 2016 AT 8:46 PM

PNC is the creditor and the collection agency calling is National Recovery.

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AvatarMichael Bovee says

JUNE 13, 2016 AT 12:34 PM

Give me a call to go over some additional details at 800-939-8357 (option 2 rings me) if you are ready to negotiate a settlement with National Recovery.

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AvatarSamantha says

JUNE 8, 2016 AT 6:06 PM

I had a Kay’s credit card that went into collections in I believe 2013 (I live in Ohio). For the past few months a man from Orion’s Management Group, LLC has been calling all of my family members (even some that live hours from me) stating that I owe debt and that I need to contact him. Yesterday he called me at work and then again today stating that I owe $710. He said that I can do one sum of $500 or 3 payments on the $710 but he will only accept my payment via credit or debit card and that I can post date the payments. He said that it must be done via credit/debit card because they are planning to serve me on Monday and it’s the only way to stop the papers from being served. I told him that I have never received any letter about this debt or anything and he said that they sent it and it doesn’t matter if I received it or not but he did give me my valid mailing address however I really have never received any letter. I called Kay’s yesterday but they gave me a different collection agency name, not Orion. The man from Orion said I could call that company (I wouldn’t give him their name) and “follow the paper trail” and that it’ll lead back to his group. I’m just really lost as to what to do and I don’t have the $500 or the 3 payments and I don’t feel comfortable giving him my credit card info.

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AvatarSamantha says

JUNE 8, 2016 AT 6:08 PM

also, when I look on my credit report (Credit Karma), it lists my Kay’s debt as closed?

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AvatarMichael Bovee says

JUNE 9, 2016 AT 6:54 AM

That is normal when an account goes without payment for even just a couple months.

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AvatarMichael Bovee says

JUNE 9, 2016 AT 6:51 AM

The calls to your relatives and disclosing the debt are federal law violations (often state law too). The threat of suing you on Monday (if they don’t, and I doubt they will) is likely a law violation too.

I can email you some Ohio attorneys who handle debt collection violations like this, and often at no cost to you, if you like? It is what I would do next if I were you.

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AvatarSamantha says

JUNE 9, 2016 AT 7:14 AM

Yes, I would like if you could e-mail me a list of Ohio attorneys, however I’m not sure I could even afford one.

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AvatarSamantha says

JUNE 9, 2016 AT 7:15 AM

Never mind, I saw that you said it could be no cost. Thank you.

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AvatarMichael Bovee says

JUNE 9, 2016 AT 7:26 AM

Sent. Let me know how it goes.

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AvatarMike B. says

JUNE 4, 2016 AT 6:03 PM

Hi Michael,

I live in Alaska and own a fishing lodge. During the crash of 2008 I had defaulted on 2 bank of america cards and was just trying to make my mortgage payments. I had closed them both and was on a payment plan for a couple years but was unable to keep up with the payments. They were both charged off in 2012 and is past the statute of limitations for Alaska. Rather than waiting for them to be deleted from my credit report in another 3 years I would like to negotiate a settlement to get them removed or a change of status on my report. How do I go about negotiating a settlement and what percentage of the balances should I offer. One has a balance of 12,000 and the other is 14,000. I have 6,000 saved up. I would really appreciate your help.

Thank You,
Mike B.

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AvatarMichael Bovee says

JUNE 5, 2016 AT 8:10 AM

Your next steps for settling those BofA accounts can largely depend on the collection agency handling the accounts, or if FIA (which is Bank of America) has them in house.

Have you received anything from a debt collector by phone or mail so far in 2016?

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AvatarMike B. says

JUNE 5, 2016 AT 2:07 PM

I haven’t received any type of correspondence from anyone for a couple years. So I’m not sure who is holding the debt. It just says charge off May 2012 Bank Of America on my credit report.

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AvatarMike B. says

JUNE 5, 2016 AT 3:57 PM

My credit report says the creditor contact details are thus.

BANK OF AMERICA
PO BOX 982235
EL PASO, TX
79998
(800) 421-2110

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AvatarMichael Bovee says

JUNE 6, 2016 AT 6:49 AM

Okay, thanks Mike. There are a couple of ways to approach this from here. But first things first, and that is to find out who you will be negotiating with. Call the number for BofA you just posted from your credit report. You will give them your social or the account number in order for them to direct you to the right department. You will likely end up speakign with someone in FIA card services if Bank of America does not have your account(s) out with an agency. If one or both accounts are with FIA you will be looking at following a slightly different path to resolving the debt than if you are dealing with an outside debt collector.

If they have one or both accounts out with a collection agency they will tell you who and the toll free number to call.

Let me know what you learn and lets go from there.

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AvatarMike B. says

JUNE 6, 2016 AT 11:31 AM

Hi Mike,

I talked with Recovery Services at BOA and she said they are still holding the accounts. She said I was no longer obligated to pay and they had sent out a 1099c for 2015. I told her I would like to negotiate a settlement and she said she will contact the legal department and for me to call back in 3 to 5 days to see how they would like to handle it. Hopefully that helps.

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AvatarMichael Bovee says

JUNE 6, 2016 AT 3:23 PM

It helps. I would suggest you give me a call for a consult. I want to cover what you are able to settle for set beside your goals for doing so. I am not all that optimistic you will be able to get the deal you need negotiated given the circumstances. But let’s talk some more about it off line. You can reach me at 800-939-8357. press 2 to get me. You can also email back the same comment notification email, as those all come to me, and we can correspond through email to set up a time.

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AvatarAbbey Taho says

MAY 30, 2016 AT 12:00 AM

Hi Michael,
I am in Boston, Massachusetts.bam hav’s pretty bad credit card situation. I recently lost my job. I have not been working since November of 2015. We recently had our second child and my wife needed to go back to finish her medical assistant accelerated program. I ended up doing ok surviving due to the tax return.

My credit debt as follow;
1) $21000 maxed with Bank of America late since acct still open
2) 13000 maxed with Chase past due/minimum due $1900 late since December 2015 acct stil open.
3) $3000 with best buy/city
4) $6000 with city currently in a a 5 years payment plan with Citi
5) $16000 was with Citi, now is with GC Services, collection service. On Saturday I returned their Tuesday call. They left a voice message with a name and a telephone number. I didn’t know who was that person, so I called and found out they were a collection agency. The lady on Saturday 5/28/2016 offered me 3 options;
1. Divide the total balance into 12 monthly payments ($1,333/month)
2. Pay $440 every month
3. Settle the balance by paying $7,000 by 5/31/2016. I told her that I can’t pay $7,000 in 3 days. She checked with her supervisor, and said that I can pay half by 5/31/2016 ($3,500) and the second half by June/15/2016. The collection lady said I need to connect with her on Tuesday between 8am-5pm to let her know about my decision. I’m barely catching up on some other late bills for credit card, student loan, rent, preschool, money owed to family and friend., Electricity, hospital bills.

My questions are;
-Should I talk to the other banks about settlements, before I try to gather the money?
-Should I negotiate settling the account before it her gets charged off or sold to a collection agency?
-how much time after the account is charged off do I have to select the settlement option?
-can I decline to settle with the bank or agency, and when I get the funds call the collection agency to .ask fory settlement.
I would like to settle the balance, but can’t come up with that amount in 3 days. According to the collection lady, if I accept the settlement, I need to pay immediately or can’t take advantage of the settlement option in the future.

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AvatarMichael Bovee says

MAY 30, 2016 AT 10:23 AM

You are not going to lose out on the opportunity to settle with Citibank if you do not take advantage of the deal with GC Services. And it may make sense to settle other accounts earlier that his one.

I would encourage you to call in for a phone consult and I can provide more details into the reality of your situation right now, and looking forward the next 6 to 12 months. You may determine you want to settle with Citibank first, but on first impression I would likely use my money to settle more debt with BofA first.

You do not have to be in a hurry to negotiate the debts before charge off. You can often get more flexibility after charge off, and the more debt you have to settle, the more flexibility is needed.

You can settle at virtually anytime after charge off. There is no real time limit to share. But you want to avoid being sued, and that is a timing concern.

Call me at 800-939-8357, option 2 rings to me.

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AvatarAbbey Taho says

MAY 30, 2016 AT 6:45 PM

Think very much Michael for your prompt response. I called that number around 9pm and left you a voice message. I’m not sure what’s your business hours. In case we don’t connect prior to CG Service’s call, how should I respond to their request? I know they record the call, should I decline all their payment option tomorrow?

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AvatarAbbey Taho says

MAY 30, 2016 AT 7:13 PM

I looked at my credit report as well as my wife and noticed that most of the debt is showing under her. At some point she was an authorized signer, but never a co-applicant. Last year I removed her from all my credit accounts. Why are they reporting the debt under her name when she is no longer an authorized user? Her credit score had been severely damaged. Went from 750 to 600. Can they report those debt under her?

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AvatarMichael Bovee says

MAY 31, 2016 AT 6:31 AM

I can talk to you more about the credit reporting on your wife when we connect on the phone. It is a process, but you can remedy this too.

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AvatarMichael Bovee says

MAY 31, 2016 AT 6:30 AM

I would simply tell GC Services you are still looking at all of your options and trying to figure out your finances and are unable to commit to anything yet, but you will be in touch as things take shape. Be polite, but cut the call short of any other probing questions. You are not declining offers. You are just not sure how to approach your debt, and not just with GC Services (they can see you are late with other creditors).

I can call you back later this morning. I am on pacific time in north Idaho.

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AvatarTracy P. says

MAY 20, 2016 AT 7:11 AM

We have 3 substantial balances with 3 major institutions that we would like to negotiate a full payoff. Here is the kicker, none of the institutions opted to send the unpaid balances to a collections agency nor did they opt to sue us. The amounts are 58K, 12K and another 12K and were all used for business. I think I heard gasps from everyone, but please understand. We had NEVER been late on any of our financial obligations but used Bank of America, Chase and BB&T to help consolidate with Promo offers debts that we incurred from our business and working capital. We had always paid things off in lump sums because our income was great but then the economy tanked in 2010 and so did our business. With one more pay check we would have been out of debt yet once again for the hundredth time.

It just so happens that a new bill was going into affect at the same time the economy was failing to protect consumers from credit card companies taking advantage of consumers by offering them a great promo rate with great terms then of course if you read the fine print on the contract where it says they have the right to cancel, change and blah blah blah any time they want. Before the law took affect, guess what? We received letters from all 3 institutions telling us they reserved the right to cancel the promo rate/terms and our new payment would be $***** the thing is, our affordable payments increased more than $200 – $600 per month overnight. I immediately got on the phone and asked them to work with us because we were watching our business fold and wanted to continue to pay what we owe. They refused to work with us and from that very day we stopped paying so we could continue to have a roof over our heads and our modest cars.

My husband sold businesses for a living and with a poor economy, recession, job loss and scared/starving US Citizens, his business was completely void of any future that we could see. We started slowly rebuilding in late 2012 and now have plenty of income but our credit is dinged big time. We look great in our bank account but on paper we look awful. We have not been late on our mortgage in over 4 yrs, both cars are now paid off and we have one open credit card with a $0 balance that is only used for medical. Oh yes, I forgot to add that we also lost our insurance because at the same time as everything else was falling a part in our life our insurance premium went from $350.00 to $980 per month over night.

We refused to file bankruptcy because we knew we could eventually settle our past debts or they would eventually just fall off our report which is where all this was leading up to. As of today, I pulled our credit scores and they are over 650 & range into the 700’s but the lending institution says that is not what they are showing on their Equifax report. We have 300K + in liquid assets and nearly 400K in other assets but what that credit report says is ruining our life! We want to purchase some land nearby and build a home but do not want to use all of our liquid to do it.

As it stands, BOA, Chase and BB&T within 3 months completely charged off our debts in 2010, they sent letters saying they were not going to try to collect and never sent the debt to any collections agencies. Is this good? Is this bad? We are not sure. The IRS of course received a 1099 for the debt since it is seen as income and we currently owe 20K to the IRS for that 1099. Truly people, this is not a big deal to us because we do owe it, it’s our debt and we are blessed that we have bounced back unlike so many other American’s from the nasty recession.

There are a million and one stories out there just like ours. But here is our question. If there is not a debt collector and the lending institutions, is it possible, felt as if they had no right to request their money back because my tax dollars were used to bail them out (remember that mess?) that they simply charged it off and allowed us to deal with the aftermath. So where do we go from here? We want to pay them off, yes they will still show on our credit but they will be paid. Will our scores increase with paid charge offs? Does anyone know the answer? Bottom line is, we want to negotiate those debts but in doing so with the institutions themselves could cause the old debt that may drop off by next year to be reported all over again with a brand new “start” date. We can pay lump sums but we simply will not want to pay the sums that were charged off. I know we can negotiate and they would like to have something instead of nothing at all. Where do we start? In a huge snotty greedy corporation such as BOA and Chase, who do we call or talk to? A customer service rep. is going to go by the usual script, we need someone above the script that can talk to us outside of the box, a real decision maker.

Any and all advice would be greatly appreciated. Thanks

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AvatarMichael Bovee says

MAY 20, 2016 AT 9:13 AM

It is still possible to settle with all of the banks listed even though they sent 1099c’s to you and the IRS. I have done those, but it can be a real bear, especially with Chase right now.

No settlement or payment is going to restart how long these old collections can stay on your credit reports. But done incorrectly you could restart the clock for them to sue for collection.

Call me for a consult before you do anything Tracy. I will cover how not to reset the SOL. You may put your goal on hold, or what I share may give you encouragement to move forward with your plans. You can reach me by filling out the consult request form at the top, or call me at 800-939-8357, option 2.

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AvatarBrittany says

APRIL 26, 2016 AT 9:31 AM

I have some accounts that have been turned over to a coll. Agency. My goal is to get them removed from my credit reports. I also owe the original creditor (medical) amounts that haven’t been sent to coll. yet & i have just set up to have auto bank draft monthly for those that still remain w original creditor. I know the collection agency works on contingency, but original creditor still referred me to them for the amounts that have been ‘turned over’.
I don’t want to pay agency as it will still reflect in my report & to my understanding if original creditor is paid then agency has to delete (they are the only one reporting). When I set up my payments with the original creditor for bills that are still in house I was informed I would have to call back to let them know when debt was paid in full so they could stop drafts. My question is should I just continue to allow drafts until my collections amounts are paid then inform original creditor?!

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AvatarMichael Bovee says

APRIL 27, 2016 AT 6:22 AM

This is an odd situation you have going with your medical debt. Systems are set up to allow a set number of payments, and the service provider or medical billing company should not need to be told when you have paid your bill.

Who is it you are dealing with?

How much are the balances being collected by the agency? How many more months would it take to continue those payments to pay off all of the bills they sent to collection?

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AvatarNancy D says

APRIL 25, 2016 AT 8:57 AM

Hi,
I have a charge off with BBT credit card. They are still the ones collecting the debt. I have been paying $100 per month for the last year. The account still says Charge off of course. I have tried to negotiate a payoff to settle the account but I have been unsuccessful. I owe about $5000 and I have about 50% of this stockpiled. They won’t budge. What can I do?
Thanks!

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AvatarMichael Bovee says

APRIL 25, 2016 AT 11:01 AM

If it were me I would stop paying the $100 a month and let a month or two go by before negotiating a lumps sum settlement with BB&T.

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AvatarMagee says

APRIL 22, 2016 AT 6:13 PM

Dear Michael,

A conglomerate bank stopped accepting my electronic payment approx. 16 months ago.. I received 3rd party letter to claim debt by month-end. Please advise.

I am no match for phone conversations or negotiations at this time. I tend to over-commit beyond my actual ability to pay which is why I had a credit card. I did not need this but I thought I could handle one. I am barely self-sufficient and have yet to recover financially and return to the full-time workforce.

Thank you for this section of information as well. I wonder if I should write to dispute or wait to have a free consultation?.

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AvatarMichael Bovee says

APRIL 23, 2016 AT 7:34 AM

Who is the bank? What is the approximate balance owed today? Who is the debt collection agency?

I do not recommend disputing a debt just for the sake of it. It can lead to a higher risk of being sued.

I can offer better feedback once you post answers to my questions.

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AvatarMagee says

APRIL 25, 2016 AT 7:50 PM

Bank: Juniper /Barclay
Amt: 10K+
Forster,Garbus &Garbus

Thanks.

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AvatarMichael Bovee says

APRIL 26, 2016 AT 6:44 AM

Okay, thanks. You are at a higher risk of being sued based on what you have shared.

Can you pull together 40 to 50 percent of the balance owed in order to settle with a single lump sum pay off? How long would it take to raise that amount?

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AvatarMagee says

APRIL 29, 2016 AT 9:00 PM

Thanks for the honest feedback…

That would take locating a position at double the pay or more and about a year.

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AvatarRM says

APRIL 21, 2016 AT 6:15 AM

Michael,
Dear Michael,

I used to pay all my bills on time and never missed a payment until 2011. My husband had a brain haemorrhage in 2009 which changed our life and situation. In 2011, I moved back to India so that I could take proper care of my husband.Unfortunately, he did not recover and passed away last year. I want to come back to the United States and settle my charged off debts. I do not know how to begin. How to find addresses for authorized debt collection agencies for the debts I owe.
I need your help and guidance. Can you provide me your official email address so that I can provide you more detailed information…Thanks & regards..RM

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AvatarMichael Bovee says

APRIL 21, 2016 AT 8:19 AM

I would start with looking at your credit reports and look for any creditor that shows your unpaid debt with a balance still owed to them. That generally means they have not sold the account. You can call the creditor and give them some personal identifiers and ask who they have the account out with for collection. If the account is not places at that time you can sometimes deal directly with the original creditor to settle the account.

I would then look at creditors that are reporting a key derogatory, but who show zero balance due to them. This will typically mean they sold the legal rights to your debt. You can then look to match up balances that were charged off by your creditor with any collection agency showing on your credit reports. If you cannot find any additional collection agencies showing for accounts the creditors is showing a zero balance owed, you can call the creditor and ask who they sold your account to. Banks and lenders will usually tell you the name of the company and provide a toll free number.

Why do you want only the addresses of the debt collectors?

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AvatarRM says

APRIL 21, 2016 AT 11:01 PM

I am sorry I don’t just the addresses.Let me send you more detail info so that I could better guidance from you…thanks

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AvatarMichael Bovee says

APRIL 22, 2016 AT 12:36 PM

The email address you get these comment notifications from is mine.You are welcome to send me details that way.

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AvatarER says

APRIL 16, 2016 AT 4:46 PM

Hello, I surrendered my vehicle to Exerter Finance because I lost my job.They sold thevehicle in an auction that is way less than the value of the car causing me to owe them $19,000.00 which is now showing late payment – Charged off account. How can resolved this without filing bankruptcy? Thank you.

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AvatarMichael Bovee says

APRIL 18, 2016 AT 7:03 AM

Settling for the lowest possible amount that can be negotiated is often the best course in a situation like yours.

Call me for a consult about what settling would look like for you. You can reach me at 800-939-8357, option 2 rings to me.You can also fill out the “Talk to Michael” form in the side rail of this page.

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AvatarBlanca says

APRIL 15, 2016 AT 8:05 AM

Hi,

I am back! I just wanted to let you know that everything worked out. I covered our collection with NAR.inc and they did removed the negative remark in my husband’s credit score. We had to wait a whole month for the removal to be updated with TransUnion, but everything was settle without any issues. Thank you for all your advise it guided me to the right path during this process!!

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AvatarMichael Bovee says

APRIL 15, 2016 AT 9:40 AM

That’s great Blanca, and congrats! Thanks for posting the outcome too.

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AvatarIsmael says

MARCH 24, 2016 AT 1:24 AM

Hi! Lost my job in 2011 and used my Wal-Mart card (not visa or anything, just Wal-Mart) to eat then couldnt pay. It eventially was charged off then went to collections. That was years ago. Now Im back on my feet and I want to pay but both Wal-Mart and the collection agency say theyre not collecting payment. So what do I do now? I have the entire amount and want to pay but it seams there is nothing I can do. This is the major factor killing my credit and keeping me from getting an apartment. Thanks a ton for any help.

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AvatarMichael Bovee says

MARCH 24, 2016 AT 6:56 AM

Who is the debt collector showing on your credit reports for this account?

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AvatarIsmael says

MARCH 24, 2016 AT 11:05 PM

Its says syncb/ walmart on my credit report. When I called Wal-Mart to try to pay they patched me through to a different agency (dont remember the name) who I believe was the debt collections. They were the ones that said they were no longer collecting on it. The Wal-Mart operator said they couldnt answer any info. Ill call them back and write down the collection agencies name in the morning. Ty

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AvatarS. K. says

MARCH 17, 2016 AT 1:22 PM

HI Michael, I got a reply from you regarding American Education Services, and I want to open it but I can’ recall my password. I tried resetting it but nothing happens. can you help me recover my password?

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AvatarMichael Bovee says

MARCH 17, 2016 AT 1:59 PM

You do not need a password. Just go to this link: https://consumerrecoverynetwork.com/question/aes-student-loan-debt-collector/

Read that page and post in the comment box on that page the same way you do this one.

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AvatarDonna Perras says

MARCH 15, 2016 AT 7:44 PM

Hi Michael,
I am a 51 year old woman and thru tough times have created this !
So I have approx.. $32000 in credit cards and a car loan that was reposed

CapOne:$14,000 and collection agency has the account.
Chase:$3000 a collection company has this too.
Chrysler: $12000. car repossessed
All state Insurance: 995.00
And I have a $1200 school debt.

Plus $29,000 in Fed Student Loan which I pay $181 per month on.
I am not sure what I should do to pay them them off.

Please help
Donna

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AvatarMichael Bovee says

MARCH 16, 2016 AT 9:47 AM

How long has it been since you last paid CapOne or Chase? Who are the collection agencies that are collecting on those accounts?
When was the car repossessed?

Can you pull together money to settle the collection agency accounts? How much money can you put together now? How about over the next 6 to 12 months?

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Avatars.. k.. says

MARCH 15, 2016 AT 4:58 PM

This post has been moved to a new page.

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AvatarMichael Bovee says

MARCH 17, 2016 AT 6:44 AM

Your post was moved. A new post about dealing with MRS Associates collecting for AES on your student loans was created.

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Avatarmelissa n says

MARCH 9, 2016 AT 5:45 AM

i was sued by a creditor- i went to talk to a lawyer who had agreed to help me. It was about a 2400 debt and they were agreeing to settle for about 1000. I wanted to hire the lawyer for about the same amount of money. I met up with a lawyer who was really nice and a good attorney. I wasn’t ready to set it all up then as I was a little sick. We rescheduled but then I asked to sign everything the next day. I got ready to pay and sign documents, yet the lawyer called me an hour before I was to meet telling me he didn’t feel he could represent me because he said that i stated I had no intent to pay back the debt I had bought on, and he only works with consumers who fall on hard times or lost a job. Again I found it all kind of strange- that had i signed the paperwork he would’ve taken me, plus, im sure I probably did fall on hard times but at the time wasn’t good with credit. the whole situation seemed like a very weird experience. He said I should call the other attorneys I talked to about it.

I’m not sure why someone would even do this, but in my case would settling be the better option then at this point? the other lawyers I talked to didn’t seem like they knew much about what they were talking about. What are my options maybe writing to get them to validate the debt?

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AvatarMichael Bovee says

MARCH 9, 2016 AT 1:50 PM

Don’t request validation of a debt you intend to settle. It just monkeys up the process. Call me for a quick consult on what to do next. You can reach me at 800-939-8357, option 2 rings to me.

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AvatarBlanca says

MARCH 8, 2016 AT 11:18 AM

Ok I spoke to them and they will remove it without any issues once it is paid.
The reason for it, seems like workers compensation was denied and the bill sat there for several years. The time that he got hurt was during work and the same company took him to the doctor, how could it still be denied? Do you happen to have any ideas if I still could dispute this or is it too late it was back on 2013?

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AvatarBlanca says

MARCH 8, 2016 AT 8:11 AM

Ok, I was able to pull his report from transunion,, but it has not been updated and I am not being able to see any information about this debt. I looked up more information about NAR INC. and it seems like it is link to North America Recovery. I called them yesterday but they were gone for the day, before I call them again do you have any suggestions on how I can dispute this and settle it quick because we already got denied a loan because of it and we need to move before April. Thank you so much for all your help!

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AvatarMichael Bovee says

MARCH 8, 2016 AT 11:02 AM

You bet you can dispute it, or settle it quickly. I would just want to know more details about the underlying debt before I did anything.

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AvatarBlanca says

MARCH 7, 2016 AT 7:09 AM

Recently me and my husband have been looking into getting a house. We do not have credit because we are still trying to finish school and have tried to stay away from loans. I went online to check our credit scores and this is what I found on his profile:
NAR INC N/A Collection/ Chargeoff $454.00 Feb. 22th, 2016

I have no idea where it is coming from. We have not been contacted at all, and I really need to figure out how we can settle this. Please HELP!

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AvatarMichael Bovee says

MARCH 7, 2016 AT 11:10 AM

You can call the toll free number for NAR INC that should appear on his credit report. Find out if this is North American Recovery. Ask the debt collector what the debt is all about. Post an update reply with the details before you take your next step.

Does your husband have an outstanding medical bill to your knowledge?

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AvatarBlanca says

MARCH 7, 2016 AT 12:47 PM

We have not been able to request a credit report because it seems like we can not verify his identity. I do remember him having a 60 dollar bill due in our local hospital and when we tried to pay it online it would show as pending so I figure they were disputing with insurance. After that, we never did received any notices about it being in a collecting agency so we were not aware of it at all! I just tried to request his report again and every time we come down to the security questions we are getting an error.

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AvatarMichael Bovee says

MARCH 7, 2016 AT 2:57 PM

You will have to make the request in writing. In a situation like this you often want to include a copy of the drivers license and a utility bill.

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AvatarDeborah says

FEBRUARY 18, 2016 AT 6:37 AM

Hi Michael, my name is Deborah and I have a credit card account with Premier Bank. This is a secured credit card I got to increase my credit score, however it did just the opposite, I say this because I started out paying on the card on time faithfully until one charge I made allowed me to get behind and I was never able to catch up on the payments because I got further and further behind in my payments. My situation now is that the card balance has been sent to a collection agency. The agency is Rushmore Service Center. The I want to pay it off, however I am not able to pay a large payment each month. I want to know all of my options. I also have a problem with judgements and balances with my former husband on my credit. We signed jointly on a home and car earlier before we later divorced now I have these debts on my credit. Any assistance in this matter would be greatly appreciated.

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AvatarMichael Bovee says

FEBRUARY 18, 2016 AT 5:50 PM

It would help to know the amount Rushmore Service is trying to collect. Post the balances owed on all of the collection accounts you have and also let me know when the last payment was made on each account.

My feedback will be more detailed with that information.

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AvatarTony says

FEBRUARY 15, 2016 AT 9:53 AM

Ok. I haven’t called Target back to tell them which option I’ve chosen, I was waiting for your reply so thanks for doing so. So besides it being morally correct to pay full balance rather than settling on half the amount neither one will have no big effect compared to the other.

I thought I had read that future creditors may look at someone who has paid the full balance off on a charge off more favorably then someone who has settled a charge off.

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AvatarMichael Bovee says

FEBRUARY 16, 2016 AT 9:24 AM

It is conceivable, but that means you have someone “hand underwriting”. There is far more automation in the underwriting process today, and to the point where the full pay is just not significant like it once was.

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AvatarTony says

FEBRUARY 12, 2016 AT 1:04 PM

Ok thanks for the info. I noticed I had a Target credit card that was charged off as well with a balance of $550. I contacted them and they said they would so a lump sum of $280 and that my credit report would update to paid (maybe she said settled) but less than balance owed. Also gave me option of paying 6 equal installments of full balance and report would update to paid balance in full. Which one would help me the most if either? Also asked about getting it in writing but said they couldn’t because of statue of limitations in Texas had passed. What gives?

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AvatarMichael Bovee says

FEBRUARY 15, 2016 AT 8:50 AM

The SOL in Texas passing has nothing to do with documenting a settlement. I would take that issue up with the collector’s supervisor when you call back. Let me know if there is still a problem.

You do not really get an extra boost from paying charged off debt in full compared to negotiating a lower payoff. You get the account updated to reflect a resolved collection either way.

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AvatarTony says

FEBRUARY 12, 2016 AT 11:11 AM

Ok, so if contact Capital One and settle both cards with lump sum offers what am I expecting the monthly payment history to show rather than “failed to pay” for each month? From what I gathered from the video the term “charge off” will always be there.

What percent of balances should I strive for?

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AvatarMichael Bovee says

FEBRUARY 12, 2016 AT 11:34 AM

I generally target settlements on Capital One accounts at 50%. Get everything you negotiate in writing before you pay. Once you pay your credit reports will update to show as paid collections. Your credit can bounce back stronger from that point.

The late pays and charge off do stay for up to 7.5 years from when you originally stopped paying. But your credit is not held back for that long.

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AvatarTony says

FEBRUARY 12, 2016 AT 8:28 AM

I have 2 Cap 1 credit cards that were charged off. On my credit report they say the accounts are closed and show payment status as late. Both cards are showing “failed to pay” under payment history for Feb 2016. . One card shows status updated on 1.1.12 and the other card says 10.1.12. No where do I see a collection agency on the report for these 2 accounts. How do I clear these accounts up and have them update payment history to current.? One card has a balance of 1500 and the other 1000. Thanks.

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AvatarMichael Bovee says

FEBRUARY 12, 2016 AT 10:10 AM

You cannot settle the Capital One accounts and get them to show as current. You could not pay 10 times what you owe and get the accounts to show that. I just put up a related video about paying collections to remove a charge off. Watch that for a good understanding of why negotiating a lower pay off is all that you need to make progress with improving your credit now that the prior damage cannot be undone.

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AvatarDominick Ziola says

FEBRUARY 4, 2016 AT 8:14 PM

Hello Sir,

I have disputed quite a few medical debts and had a bunch removed.. I still have the ones below and was wondering if you could provide any insight. Settlement options. If you have worked with any of these companies how are they to work with?

COMMONWEALTH FINANCIAL $1,857 Oct 28, 2014

CREDITORS COLLECTION $372 Sep 14, 2010

STATE COLLECTION SERVICE $56,428 Dec 02, 2011

DIVERSIFIED SERVICES GRO $2,236 Oct 27, 2011

MEDICAL BUSINESS BUREAU $466 Apr 20, 2012

ARMOR SYSTEMS CORPORATION. $966 Aug 20, 2012

CREDITORS PROTECTION SVC $694 Aug 13, 2012

NORTHWEST COLLECTORS INC $615 Nov 05, 2010

REC SOLUTION $610 Feb 02, 2012

STATE COLLECTION SERVICE, INC $610 Nov 07, 2013

The dates are the last time they were reported. Any info will help.

Thank you!!

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AvatarMichael Bovee says

FEBRUARY 5, 2016 AT 2:13 PM

Were any of the medical bills covered by insurance? It can be a bit more difficult to negotiation lower balance payoffs when that is the case. I have a page up dedicated to negotiating medical bills.

What is the 56k balance with State Collection Services all about?

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AvatarShay says

JANUARY 31, 2016 AT 7:06 AM

I need some help. I have an old debt with Bank of America. I have an outstanding balance of $3603. I want to know if there’s anyway to have the derogatory comments removed after I pay the debt?

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AvatarMichael Bovee says

JANUARY 31, 2016 AT 9:33 AM

When did you stop paying Bank of America? Who is the collection agency handling the account now? Is anyone else showing on your credit for that same account?

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AvatarTed says

JANUARY 30, 2016 AT 9:00 PM

Let me start by saying that I live in Missouri. A couple of days ago, in searching online, I found that a lawsuit has been filed by Gamache & Myers P.C for the current owner of Midland Funding LLC, where the prior creditor was Citibank. Today, my mother stated that a letter had come for me from Gamache & Myers (she won an appeal against them so she knew who they were). I advised her to read the letter to me, as I don’t reside there, & it was dated 5 days ago & stated that they were in the process of instituting a suit against me, it should appear in court soon & to call if would like to discuss matter. BUT I haven’t been served yet AND it is already in the courts. It is stating the balance as $ I have not received any letters prior, anywhere.
I did have a CItibank card in college & honestly, I don’t remember when a ‘last payment’ was made. I got the card in 2006 & I wanna say that 2012 may have been, & that it taken care of. There is no balance anywhere on their letter.
I went to my credit reports & there is nothing on them from CItibank. Nothing that says charged off, closed, transferred, sold, last payment, etc. CItibank is no where on my credit reports. BUT there is Midland Funding for 6/15.
SO, (sorry for my rambling) I need assistance on what I can do from this point &/or how to do it? I would appreciate any & all suggestions.

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AvatarMichael Bovee says

JANUARY 31, 2016 AT 9:30 AM

You were not clear if Gamache and Myers has filed the lawsuit, or the letter your mom read to you is the typical precursor to a lawsuit.

If just the dunning letter you may want to use this opportunity to dispute the debt as paid if you know it was. Let them then go access data that says otherwise. Citibank has long been one of the better banks at providing account statements and historical data to collection agencies, and that does include debt buyers like Midland Funding.

If a lawsuit is going to progress than you will have an opportunity to draw out all the facts and account history through the discovery process.

If you last paid, or the account was charged off in 2012, it is odd that all of the credit bureaus do not show the Citibank account on them.

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AvatarTed says

JANUARY 31, 2016 AT 11:43 AM

Yes, Gamache & Myers has filed the lawsuit, before the letter was received, but I have not been served yet. I thought the same thing about it not showing up on my credit reports, but there is nothing from Citibank on them at all. Midland Funding shows up on there with a date of 6/15 to be cleared 8/19 & amount of $2326.
At this point, seeing that Gamache & Myers filed, but yet receiving a letter after that says they are in the process of instituting a suit, I don’t even know what to try to do or how to go about them. And even more confused that Citibank is no where on credit reports. I’ve looked all through the reports
Since the letter says to call to discuss, even though they already filed the lawsuit, is it too late? With Citibank no where on my credit reports, should I just go to court?
I know that the amount stated on my credit report from Midland Funding isn’t enough to obtain a lawyer.
Confused is an understatement!

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AvatarMichael Bovee says

FEBRUARY 1, 2016 AT 10:05 AM

You can still call Gamache and Myers.

With Citibank nowhere on your credit reports I would first look for any old statements I had and cross reference those with payment from my bank account. I would want to determine, to the best of my ability, whether this was a paid account and sold to Midland by mistake, and before calling the collection attorney.

If the amount being collected is legitimately owed, settling with Gamache and Myers could cost less than defending the suit.

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AvatarJeremy Harris says

JANUARY 20, 2016 AT 12:54 PM

Hey, I just pulled my credit 1/10/16 and found two medical bills back from 2011 and both are in collections. I thought I got them removed but some how got back on. I have one for 629 and one for 889 both which were co pays for hospital and doc visit. What can I do to get this off. I have called both and they said they wouldn’t take anything less than amount owed. I did dispute this back in 2012. Thanks for any help.

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AvatarMichael Bovee says

JANUARY 20, 2016 AT 2:29 PM

Are you negotiating with the medical billing company or the medical service providers office staff? Do you have the money to pay the bills and care most about your credit reports?

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AvatarMatt says

JANUARY 19, 2016 AT 7:07 PM

My family encountered some medical issues and I fell behind on credit cards. I have two charge-off accounts which are approximately 1 year old:

HSBC for approximately $3,400
Bank of America for approximately $9,300

My work situation has stabilized, I have cut many expenses and have managed to save up some cash that would let me try to settle with both creditors.

I contacted the last collection agency I received correspondence from, and they said that the “Account is no longer open”. They would not indicate whether the debt was re-sold or returned to the lender. I am unsure how to proceed. Should I contact the credit card company directly, or wait until the next round of collection efforts starts? Any advice you have would be appreciated.

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AvatarMichael Bovee says

JANUARY 20, 2016 AT 6:28 AM

Who is the collection agency you are dealing with? Which account were they collecting on?

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AvatarScott says

DECEMBER 6, 2015 AT 4:15 PM

Hi Michael,
Thank you for this very informative forum and your guidance. I have been working to pay down debt over the past two years that is over 100K in credit card debt originally due to being irresponsible and some true hardships such as a year of job loss after a move.

I have been paying several creditors through monthly payments that are a combination of reduced interest rates, just principal, and another that is a collection agency that is just taking the principal and not interest monthly payments. I have 3 credit card accounts that total about 63K and the monthly arranged payments total about $1000 a month. I feel like I will never see the end of this and want to target these 3 for a negotiated settlement in early 2016. I have a good deal of money in my 401K and want to take a loan out to get this taken care of so that I can rebuild my credit and buy a home. I also figure I am paying myself interest back and the outlook doesn’t look great anyway for returns on my funds.

Here is a summary of the accounts and what I would like to do about each. I would appreciate your feedback if I am being realistic and any adjustments that you think I should make to my approach.

Barclay’s US Visa – Balance $14K, Initial planned offer $3K and target $5k.
The bank agreed to a hardship program a year ago that just ended with my October 2015 payment. At the time of agreement I was at 60 days late and faithfully made the payments but they never reset the clock so I am showing as 60 days late and will be 90 at the end of the month. I do not have a new agreement with them in place. The collections department has started to call and I have not taken these calls. The account is with the bank.

Bank of America – Balance $41K, initial planned offer $8K, and target for 12.5K
This account has been late many times and I am currently paying about a quarter of the minimum payment they want of 800 a month which is just not doable. They have expressed interest in settling the account in the past and said it would start at 70% and they have told my partner they would do 45% on the dollar. This is the account I really want to get to the lowest percent since the balance is so high. I recently received a letter that the account was charged off my payments now all go to principle. I think they are using a collection agency because the person says something else other than Bank of America when they answer.

U.S. Bank – Balance $8.9K, initial planned offer 2K, Target 4K
This is the one I am really annoyed about. I actually had a settlement offer of 5,400 back in the summer when the balance was about 12K. I did not realize that I had to make my monthly payment in the 90 days that led up to the payoff deadline. So I paid 1,500 that went toward the balance and interest/late payments and missed out on the payoff. The debt was charged off in July and I am in a plan where I pay about $300 a month and it’s all principal. The account is still with the bank. I have made all the payments on time since July.

I live in PA and have a home in MD, but most creditors have the PA address.

My partner thinks I should do a bankruptcy but I really think the settlement option is better for me and my credit score. But, I am willing to listen to an expert who thinks differently. My current FIICO is like 450-520 in the different bureaus.

Thank you from the bottom of my heart in advance for any info you can provide. This is an awesome thing you are doing.

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AvatarMichael Bovee says

DECEMBER 7, 2015 AT 1:01 PM

Is your job stable? I ask because 401k loans can be accelerated if you stop working for the employer.

Your settlement target with Barclay is realistic, but may not be if you are current with other creditors.

What is the name of the debt collector for BofA? My feedback changes depending on that.

I would look to settle with US Bank, but you would typically have to fall of that payment plan first. You will want to be proactive on this to prevent it from being sold off to a debt buyer like Portfolio Recovery and Associates.

If you can do a chapter 7 bankruptcy where your debts are discharged, and you are not forced to sell items (the trustee can liquidate certain things) that you would rather not, I too think you should look into bankruptcy. Here is are two articles that will help you with that:

https://consumerrecoverynetwork.com/credit-report-score-rating-debt-relief-programs/
https://consumerrecoverynetwork.com/find-bankruptcy-attorney/

If you cannot qualify for chapter 7, and would be forced into a chapter 13 bankruptcy, I would typically like debt settlement for you as an alternative.

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AvatarScott says

DECEMBER 8, 2015 AT 8:19 AM

My job is stable and I feel good about the risk. I will only be taking 20% of my total 401K account to do this. I know that if I were to lose my job that I would have to pay the entire loan balance back at termination or take the tax hit. I plan to set the payments for 3 years. This will mean 600 a month versus the 900 now and this will resolve on my credit report. I have been told that after 2 years there will be very little impact on my credit score and that within a year I should have a high enough score for a mortgage.

I’m going to call US bank today to see where I would be starting with a payoff amount negotiation.

I took Barclay’s call yesterday to see the initial offer and starting point is 75% on the dollar or low interest payments for 5 years. So I assume I should call every couple of weeks to work them down to my target?

I called the number again on the charge off letter that I received on November 9th and now when I call the voice says Bank of America. I know that it said something else before and I think it was letters like EFI? Has my account been moved back to BOA?

I would like to see if I can get these cards paid off by end of February for the total budget of 22K I have targeted. If I can’t do that then I am willing to go the bankruptcy route.

I have an additional 25K in credit debt on about 8 other cards and those are being paid on time and I feel I can manage those down and have them paid off by end of 2017. I am most concerned about getting rid of the 3 cards I mentioned that total 60k and worry me constantly. If I can handle them I will breath easier and feel I am back on track. I also want to purchase a home in 2017 so I am thinking that if I handle the 3 large cards that are showing a charged off that by then my credit will recover enough for a mortgage. I also own a home and that has always been paid on time.

Feel free to tell me if I”m nuts with my plan.

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AvatarMichael Bovee says

DECEMBER 8, 2015 AT 8:34 AM

Calling creditors often when you are not yet 150 days late is often a waste of time.

I suspect your BofA account was with FIA, which is part of BofA. I don’t think it ever went to an outside agency.

If 22k is your make or break number I think you should file bankruptcy. While it is possible to get this all done for that amount, too much has to go in your favor, and I don’t typically see that occur when you are paying some credit cards and not others.

You could use some coaching if you are going to go ahead with settling. We do still offer that for the same 50 dollars a month we always have. Let me know if you are interested and we can set up a consult.

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AvatarScott says

DECEMBER 8, 2015 AT 8:44 AM

Hi Michael – thank you for the great information you have provided so far. I would be interested in getting some coaching on settling these debts. I think you can see my email address from your comment view. If not, should I go through the Ask Michael form?

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AvatarMichelle says

NOVEMBER 13, 2015 AT 8:40 AM

Hello,
Ive recently been looking at my credit report on creditkarma.com im not sure what credit card utilization means but it shows up on the home page of my report with a red dot by it and its at 796% which im assuming is really bad the credit card is from Kohls however when I look at the collections part of my report that credit card does not show up I got that card back in 2010. I also have a capital One card and a GE capital retail bank (Jcpenney) card in collection with portfolio recovery for $1640, one with Enhanced recovery group from T-mobile $307, a capital one card with Midland Funding $852, and a Best Buy card with Calvary Portfolio $327. I obtained these card back in 2007-2011 and are all in collections and say charged off. I also have over $36,000 in student loans which im making monthly payments but was delinquent on them when I first stopped going to school back in 2011. I have been paying monthly with automatic payments from my checking account since 2/2013. I have a credit score in the low 500’s however I am in need of a new vehicle and do not was a high interest rate or a high monthly payment. I want to get this debt taken care of ASAP but do not know where to start with paying or if settling is a good option or will just make things worse.

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AvatarMichael Bovee says

NOVEMBER 13, 2015 AT 9:03 AM

What state do you live in?
What are the dates you last made payments on each account in collection?

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AvatarMichelle says

NOVEMBER 13, 2015 AT 10:21 AM

I live in CA. I stopped making payment in 2011 when I had lost my job. Capital one cards last payments were 6/2011 and 12/2011, Kohls was april 2011, JcPenney was 6/2011, Best buy was 7/2011, and T mobile was 2/2013.

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AvatarMichael Bovee says

NOVEMBER 13, 2015 AT 10:29 AM

Is the Capital One account that was last paid December of 2011 the one with Midland Funding? That account and the T mobile are the only ones that could still file a legitimate collection lawsuit (4 years SOL in California). That takes some of the pressure off of negotiating with the debt collectors.

Settling now will improve your credit options to a degree. But how soon are you trying to finance a car? How much money can you pull together to start resolving the collection accounts?

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AvatarMichelle says

NOVEMBER 13, 2015 AT 10:36 AM

I want to finance a car hopefully in 1/2016 I have about $1000 right now that I can use to pay some debts and I plan to budget what ever I can in the future letting then go to collection has been the worst mistake of my life I cant finance anything I cant even get my own apartment its been terrible.

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AvatarMichael Bovee says

NOVEMBER 13, 2015 AT 10:46 AM

The improved credit impacts will not be that fast. If you cannot hold off financing the vehicle you may need to refinance it later on when your credit is in better shape (and the collections all resolved).

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AvatarCol says

NOVEMBER 10, 2015 AT 3:34 PM

So I had a Wells Fargo credit card charge off in either 2010 or 2011 at $1580.07, at the time I lost my rental house, then my dad passed away and then in 2013 I had a medical issue that cost me $20k! I’m just now getting back on my feet, I just got a letter from WF saying they will settle for $790.03 or $131.68, both I might be able to swing but still it’s hard to swallow especially around the holidays! I want to improve my credit, is this a good deal or do you think I could settle for less?

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AvatarMichael Bovee says

NOVEMBER 10, 2015 AT 3:55 PM

You could try calling Wells Fargo and suggesting you could raise 30% of the balance owed and see if they counter lower. I do not see many settlements with Wells Fargo go lower than 40%, and they have been holding tight to 50% settlements with some accounts of late.

Worth a shot. I do recommend lump sum settlements whenever possible.

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AvatarEmma says

OCTOBER 19, 2015 AT 3:45 PM

Hello. I defaulted on a Citibank credit card in 2012 while student teaching, you know working for free. I just received written notification from united recovery systems, LP stating my account had been referred to their office. They say I owe $1747. And unless I notify them within 30 days to dispute the charge they will assume this debt is valid. They have only tried calling me twice since September 8, 2015, and leave no voicemails.

Should I try to settle this debt with them? Do you know anything about their reputation?

I know this is atleast the second debt collection agency this particular debt has been sent to.

If I do end up settling it what do you think is the lowest amount they will accept?

The company who had the debt before them had offered me a settlement of only $549! They had wanted it in three separate payments and I made the first two but evidently never made the third payment, or heard from the agency again. But boy I’m filled with regret not sending that third payment out!

What are the chances this collector will sue if I choose to ignore?

Any advice for this $124,000 student debt teacher, who only makes $42,000/year I’ve made bad life choices!!

The company’s name is United Recovery Systems, LP operating out of Houston, Texas.

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AvatarMichael Bovee says

OCTOBER 19, 2015 AT 4:05 PM

United Recovery Systems is a very large contingency debt collection agency. I find them to be fairly easy to work with.

I would target between 30% and 40% if I were settling. There are reasons they may not go that low.

URS is not going to sue you, but the next collector that gets the debt could, which is why settling now could be better.

Are you still teaching? Are your loans federal, private, both?

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AvatarEmma says

OCTOBER 19, 2015 AT 4:55 PM

Luckily, the bulk of mine are federal ($100,000, $60000 unsubsidized, $40000 subsidized) I have about $18,000 originally through chase bank, now at AES and I have another $6000 through a keybank loan now serviced by Great Lakes.

I’m still teaching, I know if I go for 10 years I’ll have the federal forgiven, but a few months into my 3rd year of teaching is leaving me worn! My friend who is a secretary makes $5000 less than I do, and doesn’t work nights and weekends like me! The profession is very discouraging!

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AvatarMichael Bovee says

OCTOBER 19, 2015 AT 5:55 PM

It is going to be well worth gutting it out to meet the 10 year requirement for loan forgiveness.

If you are unable to make the payments on the private loans there are options for settling those. I am see more and more private student loan settlements. Post an update if that is the direction you end up needing to go.

Are you on an income based plan for the federal loans?

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AvatarEmma says

OCTOBER 19, 2015 AT 5:22 PM

Thanks for the advice!! And the quick reply!

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AvatarSteve Blanchard says

OCTOBER 22, 2015 AT 11:36 AM

If settlement offer ends today – first offer proposed by United Collections Bureau, does it immediately go to another one that could sue?

Would I be better off making one payment of the 12 month settlement and then trying to renegotiate when I can get together the funds for 30-40%?

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AvatarMichael Bovee says

OCTOBER 23, 2015 AT 9:35 AM

How the collection account moves, and when, is something you can ask United Collections Bureau. You might say something like “I really want to be able to take you up on the offer to settle, but I cannot raise that kind of money right now. I will keep trying. How ling will I be able to contact you about this account?”

Whether the next collector is an attorney or not is not something I can venture a guess about with no background information.

I would rarely recommend agreeing to a settlement that you know you will not follow through with. You are throwing money away if you do.

You are welcome to call me for a consult so I can dig deeper into the details and offer better feedback. Call 800-939-8357, then choose option 2 in order to ring to me.

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Avatarmica says

AUGUST 17, 2015 AT 12:35 PM

Hi Michael!
I need some help. I married someone with terrible finances (both credit and handling). I co-signed cards and bought him a brand new car. I had steller credit and am a saver. After having my son in 2008 we went through some financial strains and ended up in bankruptcy. It was filed in early 2009. Pulling my credit report last summer, a lot of the items gave dates on when they would “likely drop” from my report ranging in dates that are from Feb this year, through early next year. I got divorced in Feb 2014. He was to take all debts. He ended up filing a special type of bankruptcy this year because he always goes and buys all these new cars and can’t afford himself…the type of bankruptcy where you pay back? I pulled my credit report to check on things and it put a judgement on my report from him filing?! The sum is low (under $300) and if I paid it could I get it removed? Also, there were a few debts he didn’t include I found on my report.
1. One is a Cap One credit card totaling $1118.00…it is in “charge-off” status. I was reading about trying to get those removed from reports and I tried calling cap one to pay in FULL to settle it being removed completely from my report. They said it’s already in collections and there is nothing they can do. I have the collections info. Will the collections agency remove in lieu of pay? I read a lot about settling for a lot less? I think the line of credit was $750…must have gone up with interest since last pmt was in late 2012/2013 some time. Portfolio recovery is the agency

2. Another is a denist who already sent me to collections. Is there bargaining power to pay in full direct to dentist and have them remove it from my credit or do I have to go through the collections agency? In the hands of Physicians and Dentists collections agency

3. The last is a medical from a couple years back and same situation as above. In the hands of Professional Finance Company

Thank you for your help! My biggest concern isn’t the money or talking the totals down (although it would be a nice perk!), I want them removed as much as possible from my credit report altogether. I am just getting back on my feet after the divorce and want to have my credit cleaned up so I can buy my first house next year.
Thanks again!
Mica

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AvatarMichael Bovee says

AUGUST 17, 2015 AT 3:58 PM

Call me for a phone consult Mica. You have several things that I have more questions about before I can offer actionable feedback. You can reach me at 800-939-8357, choose option 2.

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AvatarMichael Bovee says

AUGUST 18, 2015 AT 4:00 PM

It was good to talk with you Mica. Please post an update to this comment thread as you make progress with the collection accounts.

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AvatarStephanie says

AUGUST 9, 2015 AT 10:42 PM

Im a college student looking to buy my first car but I now have bad credit due to losing my job and defaulting of some credit cards in 2012. I have mostly cleared up my debt except for the largest one. I have been doing some research on how to pay when I found you. I owe $1,326 from best buy/HSBC bank. But now the creditor is CACH LLC but receiving letters through the law office of Richard Clark. I am wondering how I should go about paying and if there is a chance they would settle for less? And once this is paid off how I can go about repairing my credit. Right now I can’t even get approved for a secured card.

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AvatarMichael Bovee says

AUGUST 10, 2015 AT 9:22 AM

You can often settle with Cach LLC or their debt collectors for half the balance owed (sometimes a bit more, or even less).

Once you get things settled this account will get updated as resolved on your credit reports. Check out the page I have dedicated to rebuilding your credit. Read through the comments too, as there are additional tips and suggestions contained throughout.

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AvatarKelly says

AUGUST 8, 2015 AT 5:22 PM

Hi,
I took a small loan on a GE Money Bank card for jewelry in 2006. I believe it was around $700. I paid each month (missed one or two) then made a final payment. Then I started to get bills for money owed again because they said I didn’t make the final payment.. I had no reciept. Long story short – they charged off account after I sent a seize and desist letter. I hadn’t heard about this account for years and decided to just let that charge off sit on my account because so many years had gone by. Fast forward to a few weeks ago it seems Asset recovery solutions purchased the charged off debt. There is a judgement date of April 2009 on the letter they sent. I don’t know what that is about. They are attempting to collect this debt but have made up an amount over $3000. It’s now 6 years past whatever this judgement is and 9 years from original purchase/agreement with GE Money Bank. I live in NY State. Wondering what the statute of limitations is on a case like this is in NY?! I thought it was 7 years. And its past 7 years from original purchase and past 6 from this judgement date. I don’t have proof of any payments – don’t even bank with same bank and it’s been so long I can’t even remember everything at this point. I appreciate any advice!

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AvatarMichael Bovee says

AUGUST 9, 2015 AT 7:10 AM

It sounds like you cannot recall every being served notice that you were sued? Is Asset Recovery the named plaintiff on the judgment against you? If not them, who is it that sued and got the judgment originally?

What area of New York are you in?

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AvatarKelly says

AUGUST 18, 2015 AT 8:33 PM

Correct. I have no idea who this judgement was awarded to. I would assume GE because GE Money Bank was the one who “charged off” the account years ago There is no named plaintiff or anything. It just has a judgement date on the letter. I am Located near Buffalo NY.. Not sure if I should just ignore this? Is there a statute of limitations that would apply here?

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AvatarMichael Bovee says

AUGUST 19, 2015 AT 10:24 AM

If this now a judgment in the court record you do not want to ignore it. You will want to request a copy of the judgment from Asset Recovery Solutions. Send your request in writing via certified mail. You can also do a search for your name in your county courts records (or any county you lived in back then).

There are different statutes that limit different things when it comes to unpaid debts. If this is a judgment debt it is good for 20 years in New York.

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AvatarLogan says

JULY 13, 2015 AT 5:49 PM

Hello,
I have two debts I have been working on settling. One with Federated Collection Agency in the amount of $717.00 but as they say, with interest it is $1200.00. We have agreed upon $573.00 verbally, but they refuse to write a settlement letter. Another with a collection agency in whom name is unknown. The total amount is for $1964.00 and we have verbally agreed upon $1000.00, again they refuse to send a settlement letter. What do I do? I feel as though they are trying to rush payment out of me, to duke me in the end. Which has happened to me in the past. Please advise ASAP as my family and I are 6 all together and are financially tired of renting at $1200./month and want our first home! Thank you so very much!

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AvatarMichael Bovee says

JULY 13, 2015 AT 7:07 PM

How long ago was it that you last paid on the account with Federated? What state are you in?

I would never recommend you settle a debt with an unnamed collection agency. What is the underlying debt on this one about (who did you originally owe)? Why is it that the collection company remains anonymous?

There are ways to get around not having a settlement letter, but lets work on that after you post answers to those questions.

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AvatarLogan says

JULY 13, 2015 AT 7:24 PM

Hi Michael,
Thanks for a fast response. I am currently in Florida. I have not paid anything to Federated due to not obtaining a settlement letter.
Unnamed collection agency is Collection Service of Athens, I called and asked. Both of these debts originated from two different apartments in two different states due to my husbands job transferring us. I have not yet tried recording calls because i do not have a service on my phone to do so. If this is the route you advise me to take, do you know of an app I can install for an iPhone?

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AvatarMichael Bovee says

JULY 14, 2015 AT 6:34 AM

Here is a recommended app for recording calls. I would record the call and take great notes of everything leading up to that if it were me. I have a post up about getting agreements in writing with a bunch or reader participation about your issues. You will read in the comments from folks who simply refuse to go through with paying a debt collector without documentation, and you will read from people who I encouraged to record the calls as an alternative.

You did not say how old the debts are? If you can no longer be sued for the debts because the SOL in your state is passed, it can be easier to hold the line and demand something in writing.

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AvatarLogan says

JULY 14, 2015 AT 6:46 AM

Hi,
Thanks for app info. Will record calls, but prior to that I will read the recommended post. Forgive me for not giving age of debt. Debt with Federated is from February 2011, and debt with Athens is from February 2013. What are the SOL looking like? Thanks again!

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AvatarLogan says

JULY 14, 2015 AT 7:00 AM

Also, debt with Federated is from Orlando, Fl and debt with Athens is from Athens, Ga. That may change different SOL laws. Does the recommended post discuss what I should cover in my conversations with debt collector?

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AvatarMichael Bovee says

JULY 14, 2015 AT 7:15 AM

The state where you reside is more often than not the controlling factor in determining the SOL to go by. There are variables that can change that, but not likely for your rental contracts.

That page dedicated to debt settlement documentation is light on the what to say to a debt collector stuff. This page is dedicated to that. There are hundreds of comments to read. I am planning on a 3 part article series about dealing with debt collectors that will largely include stuff to say, and stuff not to say. It will not be up on the site in time for your efforts, but you can subscribe to the RSS feed to get updates of new content.

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AvatarMichael Bovee says

JULY 14, 2015 AT 7:11 AM

From what you have shared it is 5 years in Florida, so they could still sue.

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AvatarLogan says

JULY 14, 2015 AT 8:14 AM

Thanks! Will work on this tirelessly. I aim to settle in above named accounts for my husband in efforts to avoid being sued. Horrible when they keep all your first and last month deposit and still do not understand your employment situation. Do you recommend I call today, record and utilize the list you’ve provided, in stating all required “bullets” for a settlement letter, verbally? Hope that makes sense. In essence, I would be going over the “bullet list” verbally, and would like to know if that would cover all basis on a verbal contract recorded?

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AvatarMichael Bovee says

JULY 14, 2015 AT 8:25 AM

You could use the bullet list I provide. I also recommend telling them you are recording and why (they will not send a written outline of your agreement).

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AvatarAlex says

JUNE 18, 2015 AT 7:57 PM

Hi Michael,

I am so happy I came across this website, your feedback is extremely helpful. Hopefully you may be able to guide me with my situation.

In mid January, I received a $1,385 bill from a Laboratory for services provided in March of 2014. It stated “Your account still has an outstanding balance. Please make payment immediately to avoid further collection activity…” However, that was the first time I had received a bill from them and I thought the charge was erroneous, because I had health insurance.

I ended up receiving a letter from a collections agency a few months later from SKO Brenner American Inc, in NY. It stated I had 30 days to notify their office and dispute the validity of or portion of debt, and if not, they would assume the debt to be valid. However, if I did notify and dispute it within 30 days, they would obtain verification or copy of judgement and mail it to me.

I wasn’t sure what to do, so that same month I called my Health Provider’s office and sent them a copy of both letters and they said they would investigate. When they finally got back to me, they said there was nothing they could do about it.

It is now June and I just received a second letter from the same collections agency stating “This account could’ve been resolved a long time ago, if you had taken the opportunity to respond. Please do so now…” with a form of payment slip.

So, I decided to call United Healthcare, which was my health insurance coverage last year, and I discovered that the bill is wrong like I suspected. The Laboratory billed me the full amount, when in fact my insurance deductible had already been applied. The agent said the Healthcare Provider was responsible to pay the remaining portion and that she would send a copy of ‘Explanation of Benefits’ for the related charges to the Laboratory and to my address. She said I was only responsible to pay $416.48 not $1,385.00.

I don’t know if I should call the Laboratory or if I should write a letter to the collections agency and submit my documents as proof. Although my recently viewed credit report doesn’t list this debt, I don’t know if this debt will be reported in the future. My question, is how can I pay the true portion I owe, without possibly being sued or having this debt go on my credit report?

Thanks,
A.

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AvatarMichael Bovee says

JUNE 19, 2015 AT 8:22 AM

I would communicate with everyone involved. If the debt collector continues to insist you should pay an erroneous amount of money, send them a dispute letter. Send any letters via certified mail return receipt requested.

Take notes of every communication you have including the date, time, name of people you speak to, what was said by whom, etc.

I do not think SKO Brenner American Inc will sue to collect, and I think you have a good shot at managing the situation now, before it ends up on your credit report. If something does later end up on your credit from SKO Brenner, post an update and lets go from there (part of why I want you to keep great records in case you need that info later).

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AvatarAlex says

JUNE 20, 2015 AT 3:54 PM

Ok, I’ll definitely keep record of all communication and hopefully it works out. I’ll keep you posted. Thanks!

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Avatarthomas says

JUNE 16, 2015 AT 8:33 AM

I have to say this is the best forum for debt problems. Thank you Michael…

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AvatarMichael Bovee says

JUNE 16, 2015 AT 9:12 AM

You bet, and spread the word about the site if you find it useful.

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AvatarThomas says

JUNE 15, 2015 AT 11:20 AM

Hello,

So, I receive a letter from Hunt & Henriques saying that there is judgement on my debt from capital one bank vs me ( february 1st, 2013)

Now they H&H say the can settle for 4,900 instead of 9,343 total sum.

Should I try to dismiss in court ?

Reply
AvatarMichael Bovee says

JUNE 15, 2015 AT 11:37 AM

Are you saying you never knew about the lawsuit? What state are you in? Do you even recognize the debt? And if so, when was it that you past made a payment to Capital One (or possibly HSBC)?

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Avatarthomas says

JUNE 15, 2015 AT 1:15 PM

Well I may have received that but it has been few years I do not re-call since I moved around. I do recognize the debt though, I know capital one has been used over phone recording and it said that debt has been dropped to clients.

They have not sent me anything for 2 years and not they are sent me letter again.

last payment made June, 2011.
on Credit report it says:

Remarks:Charged off as bad debt
Canceled by credit grantor


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AvatarMichael Bovee says

JUNE 15, 2015 AT 5:58 PM

You would need a valid reason to try to get a court judgment voided, vacated or set aside. Not being served is a good reason, but you sound unsure. If you look in the court record, can you see what address the process server said they went to serve you? Is the address one you lived at?

50% settlements with Capital One are good. Can you raise the money to settle this in a lump sum?

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Avatarthomas says

JUNE 15, 2015 AT 1:23 PM

state is California. I am sorry for multiple posts

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AvatarMichael Bovee says

JUNE 15, 2015 AT 5:59 PM

I can refer you to an attorney in California who has had success get judgments set aside for lack of proper service even when the judgments are several years old.

There is a cost to this type of process, and no guarantees.

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Avatarthomas says

JUNE 15, 2015 AT 8:25 PM

please do I would like to work with that. Can I get contact information ? or can I private message you ?

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AvatarMichael Bovee says

JUNE 16, 2015 AT 7:10 AM

I sent you an email with contact information. Please let me know how that all works out.

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AvatarGina says

JUNE 11, 2015 AT 8:28 PM

I have settled on 3 credit cards that had gone to ARS collection services, with your assistance through this site. I settled for 25% on a Chase card, and 48% on a Citibank card, and 43% on a Sears Citibank card.

I have 2 more cards that have been charged off, but have not gone to collections. I was hoping to wait until they went to a collection agency to get a better deal. This is part of a divorce and I will be putting our home for sale soon, which will enable me to settle everything. In the meantime, I am finding that my credit score is too low to get a mortgage, so I could possibly borrow from a relative to settle these last 2 cards until house is sold.

Can you please give me an idea what percentage of the balance I might be able to negotiate on these two cards, which have been charged off, but not yet gone to collections? On a Capital One Mastercard, my current balance is $ 4,953. My last payment was in January, 2014 and the balance at that time was $ 4,518. The second card is an REI Visa from US Bank. The current balance is $ 9600.13 and it was charged off in January, 2015. My last payment was in June, 2014 at which time the balance was $ 9,388. Thank you.

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AvatarMichael Bovee says

JUNE 12, 2015 AT 6:58 AM

Thanks for moving the discussion Gina. I got your emails too.

Can you confirm when you last spoke to US Bank and Capital One and confirmed that both of your accounts have not yet been placed with collection agencies or sold?

What are the amounts that both indicated were as low as they would go for settlement?

I do have a page up dedicated to settling with Capital One, and another for negotiating settlements with US Bank.

I just do not see many settlements with Capital One go below 50%.
Settling with USbank has a fairly wide range of savings percentages. When the conditions are good, I target under 30%.

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AvatarGina says

JUNE 12, 2015 AT 7:54 AM

Neither account has gone to a collection agency, and neither bank would tell me when it would. I spoke with Capital One about 2 weeks ago. They offered to settle for $ 3,962. They also said that the settlement takes 22 days and it wouldn’t show on my credit report for another 4 months.

I spoke with the US Bank “pay desk” on June 9th. They offered to settle for $ 7,680.

I will read the links. What do you recommend as my next step? Thank you.

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AvatarMichael Bovee says

JUNE 12, 2015 AT 9:05 AM

You could likely get much better results working with someone in the Network who can negotiate for you. You can call me for a consult at the number I think you have from the email I sent about moving the discussion to this page (in my signature line), or fill out the debt relief consult form and I will call you.

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AvatarGina says

JUNE 15, 2015 AT 11:11 AM

Thank you again, so much, Michael. I was able to settle with Capital One for 50 % and with US Bank (REI VISA) for 42%. Glad to get this all off my plate!

Reply
AvatarMichael Bovee says

JUNE 15, 2015 AT 11:38 AM

Nice work and congratulations! It feels so good to put collections in the rear view mirror.

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AvatarTom says

JUNE 8, 2015 AT 1:42 PM

Thanks again for the reply and help. Here is my information:

I have two credit card debts and I’m basically wondering for an opinion on what to offer to get the accounts closed out (I don’t quite understand when people mention 40-60%, so getting it in terms of a lump dollar amount to offer makes it easier for me to understand) so I can move on and try to repair my credit. I’m currently disabled in the eyes of the government and have been unemployed for around 3 years now and that’s expected to continue for a very long time. For reference I live in Minnesota, though these aren’t close to SOL.

Credit Card One: Originally from Wells Fargo, now with Portfolio Recovery Associates, LLC. Balance is $2,200. Credit report says date opened is June 2014. They did have Rausch, Sturm, Isreal, Enerson & Hornik, LLC send me a letter about it, however when I called them they said they closed it and it’s not back in the hands of PRA. I guess because I don’t have earned income or assets that I wasn’t worth pursuing in court?

Credit Card Two: Originally from Kwik Trip, Inc based out of Lacrosse Wisconsin. Balance is $780. Credit Report says date opened is March 2014.

Those two as well as outstanding student loan debts (around 32k I believe) are listed on my reports, so they can see that it doesn’t looks pretty.

Reply
AvatarMichael Bovee says

JUNE 8, 2015 AT 3:12 PM

I would realistically look to negotiate with PRA for somewhere between $800.00 and $1,100.00.

Smaller balance accounts tend not to settle for the best savings. You may find this one harder to negotiate for much savings, but I would stick to a target of $400.00 if you are dealing with a debt collector.

Are all of your student loans federal? If there are private loans, what are the balances owed on those?

Reply
AvatarTom says

JUNE 9, 2015 AT 11:09 AM

Thank you Michael.

The smaller balance is with a collector, though they appear to take your offer and run it past the original creditor first for approval or denial.

The student loans are all federal.

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AvatarMichael Bovee says
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Individuals with Bad credit can apply
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Loan Duration from 1 year - 20 years maximum
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Website:https://mikemorrisfinance.jimdofree.com
Email:Mikemorrisfinancegroup@financier.com mikemorrisfinancegroup@gmail.com
Direct Contact : +1(347) 947-8985 +27(062) 119-9141
Skype id: Mikemorrisfinancegroup@gmail.com
U201 Bishops gate, , EC2M 3AE
Company Registration No. 02587815 
will
10/17/2019 - 2:02:15 AM
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10/15/2019 - 12:58:29 PM
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10/14/2019 - 5:03:30 AM
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10/13/2019 - 2:49:09 PM
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10/12/2019 - 1:34:45 PM
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Dr. Jayden Martin
10/7/2019 - 7:43:42 AM

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STEFANO
10/7/2019 - 5:35:48 AM


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10/7/2019 - 5:26:06 AM
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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% JAYDEN MARTIN HOME LOANS, (jaydenmartinhomeloans@gmail.com) aims is to provide Excellent Professional Financial Services.

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*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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Pay the cost of a loan after you get a loan
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jamal jalal latif
9/23/2019 - 6:31:26 AM
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I am a big company and no one sends me a fool or a lie
Any good company that will treat me with who I am and ready
No loan fees or charges are required until after a loan has been received
Pay the cost of a loan after you get a loan
Not pay one cent in advance
Thanks for your understanding
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jamal jalal latif
9/23/2019 - 6:17:33 AM
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Casey Roberts Baxter
9/23/2019 - 6:04:54 AM
Are you in financial crisis, looking for money to start your own business or to pay your bills?

GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE INSTEAD OF A LOAN*
We sell this cards and other crypto currency to all our customers and interested buyers
worldwide,The card has a daily withdrawal limit of $2000 and up to $50,000, spending limit in stores and unlimited on POS.** *Email:- blankatmmasterzakdoffman@gmail.com and contact number +1(669)209-7002

*WHAT WE OFFER*

1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER
2)BANKS LOGINS
3)BANKS TRANSFERS
4)CRYPTO CURRENCY MINNING
5)BUYING OF GIFT CARDS
6)LOADING OF ACCOUNTS
7)WALMART TRANSFERS
8)BITCOIN INVESTMENTS
9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD
10)BANK HACKING
Contact us today for more enlightenment on Email:- blankatmmasterzakdoffman@gmail.com and contact number +1(669)209-7002

**BEWARE OF SCAMMERS AND FAKE HACKERS IMPERSONATING US BUT THEY ARE NOT
FROM US CONTACT US ONLY VIA THIS CONTACT *
WE ARE REAL AND LEGIT 2019 FUNDS/FORGET ABOUT GETTING A LOAN.

IT HAS BEEN TESTED AND TRUSTED.
Casey Roberts Baxter
9/23/2019 - 6:02:21 AM
I need a loan
with one condition
I am a big company and no one sends me a fool or a lie
Any good company that will treat me with who I am and ready
No loan fees or charges are required until after a loan has been received
Pay the cost of a loan after you get a loan
Not pay one cent in advance
Thanks for your understanding
This is an email JAMAL9566@YAHOO.COM
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9/23/2019 - 5:47:23 AM
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9/23/2019 - 12:19:58 AM

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Ahmed Kumar
9/23/2019 - 12:16:45 AM
I need a loan
with one condition
I am a big company and no one sends me a fool or a lie
Any good company that will treat me with who I am and ready
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Pay the cost of a loan after you get a loan
Not pay one cent in advance
Thanks for your understanding
This is an email JAMAL9566@YAHOO.COM
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9/22/2019 - 8:38:41 AM
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New world finance limited
9/20/2019 - 5:59:32 PM

THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .
CHURCHILL
9/20/2019 - 11:21:04 AM
Do you need a loan? Are you in debt? Do you want to start a business and need capital? Need a loan or financing for any reason? You have the right location for your loan solutions here! I am recommending (DAVID PETERSON LOAN FIRM) to you all. They offer loan to anyone who is interested in getting any type of loan. They lend to me the sum of $150,000 without collateral at a rate of 2%. They offer all kinds of loan, even with bad credit score. Their services include, Education Loans, Car Loans, Refinancing Loan, Personal Loan, Debt consolidation loan, Business Loan, Home Loan, Student loan etc. Kindly contact them today via email davidpetersonloanfirm1@outlook.com
Anita Graylish
9/20/2019 - 5:47:38 AM
You can call me Venita , All honour to God almighty i am really overwelmed right now about willing loan company this loan company gave me hope when all hope was lost after been frustrated by some other fake loan firms who promise to give me a loan but failed me after all but this loan company redefined me and give a loan so i deem it necessary to testify about it to people out there who wants a loan too can make use of this opportunity and to also avoid been scammed like i was initially . I am grateful oh lord and i have come online to lead ypur people to the right part which is the AMEIR MILLER LOAN FOUNDATION that changed my story from pains to success and from sorrow to favour theameirmillerfinancialoffice@gmail.com , ameirmillerclassicloaninstitute@yahoo.com , ameirmillerfinancialinstitute@gmail.com
VENITA
8/25/2019 - 2:34:44 PM
You can call me Venita , All honour to God almighty i am really overwelmed right now about willing loan company this loan company gave me hope when all hope was lost after been frustrated by some other fake loan firms who promise to give me a loan but failed me after all but this loan company redefined me and give a loan so i deem it necessary to testify about it to people out there who wants a loan too can make use of this opportunity and to also avoid been scammed like i was initially . I am grateful oh lord and i have come online to lead ypur people to the right part which is the AMEIR MILLER LOAN FOUNDATION that changed my story from pains to success and from sorrow to favour theameirmillerfinancialoffice@gmail.com , ameirmillerclassicloaninstitute@yahoo.com , ameirmillerfinancialinstitute@gmail.com
VENITA
8/25/2019 - 2:25:06 PM

You can call me Venita , All honour to God almighty i am really overwelmed right now about willing loan company this loan company gave me hope when all hope was lost after been frustrated by some other fake loan firms who promise to give me a loan but failed me after all but this loan company redefined me and give a loan so i deem it necessary to testify about it to people out there who wants a loan too can make use of this opportunity and to also avoid been scammed like i was initially . I am grateful oh lord and i have come online to lead ypur people to the right part which is the AMEIR MILLER LOAN FOUNDATION that changed my story from pains to success and from sorrow to favour theameirmillerfinancialoffice@gmail.com , ameirmillerclassicloaninstitute@yahoo.com , ameirmillerfinancialinstitute@gmail.com
VENITA
8/25/2019 - 2:21:58 PM
I hope you all take your little time to read my story and short testimony of how my finance was turned around with the help of THE AMEIR MILLER LOAN COMPANY who has been nothing but blessing to my life and entire family , I am really not good with words but i have to do it for the sake of other people out there .All glory be to God in heaven because i never truly believed that sincere people still exist but this loan company swept me off my feet with their Godly and sincere approach by granting my loan i request from their loan company to enable me start up my own business and this help has now changed my thought so far about loan companies especially the AMEIR MILLER LOAN COMPANY and their email addresses are ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerfinancialoffice@gmail.com am living my best life now with my dreams coming alive through this loan company. I am Christiana
Christiana
8/12/2019 - 11:25:23 AM

I hope you all take your little time to read my story and short testimony of how my finance was turned around with the help of THE AMEIR MILLER LOAN COMPANY who has been nothing but blessing to my life and entire family , I am really not good with words but i have to do it for the sake of other people out there .All glory be to God in heaven because i never truly believed that sincere people still exist but this loan company swept me off my feet with their Godly and sincere approach by granting my loan i request from their loan company to enable me start up my own business and this help has now changed my thought so far about loan companies especially the AMEIR MILLER LOAN COMPANY and their email addresses are ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerfinancialoffice@gmail.com am living my best life now with my dreams coming alive through this loan company. I am Christiana
Christiana
8/12/2019 - 11:21:25 AM


Hi everyone , I go by the name Jaxon from Australia and I just want to say a very resounding thank you to the Ameir Miller Loan firm for their sincerity , openness , transparency , truthfulness , love and support during and after getting loan funds from them . I have been through a lot in the hands of those scammers and time won’t permit me to say all that I went through in the year 2018 online in the guest or getting a loan funds to get a home here in Australia but God answered my prayers through the support and love from pastor Mrs Ameir Miller who embraced me and understood with me despite my initial doubt and unseriouness and with her good heart and love I am now a home owner through her 2.5 interest rate loan funds and I have vow to spread this news and also tell the world that there are still genuine and few good online loan firms out there that can assist and also revive a dry bone like I was in 2018 .

Don’t fail to listen and read this testimony because this is a true life changing experience and anyone that needs this kind of turn around should not hesitate or doubt this because I have prove and I swear to God in Heaven that this story is real and also the story of my experience with them .

Check them out on their email if you need finance .. email : ?ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com? or ameirmillerfinancialinstitute@gmail.com
JAXON
8/10/2019 - 10:30:08 AM
PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!!

Hey Guys!!!Am so happy I got mine from Mike Fisher. My blank ATM card can withdraw € 2,000 daily. I got it from Her last week and now I have €14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on . I am really happy i met Mike Fisher because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mike Fisher sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card, She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. i'm grateful to Mike Fisher because she changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. Mike Fisher email address is : blankatm002@gmail.com
Chacha Maricha
8/10/2019 - 9:04:26 AM
PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!!

Hey Guys!!!Am so happy I got mine from Mike Fisher. My blank ATM card can withdraw € 2,000 daily. I got it from Her last week and now I have €14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on . I am really happy i met Mike Fisher because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mike Fisher sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card, She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. i'm grateful to Mike Fisher because she changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. Mike Fisher email address is : blankatm002@gmail.com
Chacha Maricha
8/10/2019 - 8:59:23 AM

PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!!

Hey Guys!!!Am so happy I got mine from Mike Fisher. My blank ATM card can withdraw € 2,000 daily. I got it from Her last week and now I have €14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on . I am really happy i met Mike Fisher because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mike Fisher sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card, She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. i'm grateful to Mike Fisher because she changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. Mike Fisher email address is : blankatm002@gmail.com
Chacha Maricha
8/10/2019 - 8:48:38 AM


Its Loveline and I am sorry if you find my story boring but the buttom line is that i got a loan without stress and i need to let the world know this. Here is my story and i will be very direct ad straight forward as good as possible so that we all can learn from this , My daughter suffered from cancer of the skin which resulted in me spending so much and almost all my whole life savings went down for this course as i am a single mom and also my credit was declared bad .. looking at my situation there was nothing could do other than resort to asking for help from friends and family but to be sincere the assistance they could provide could not even pay my 2 months rent that i was owing let alone put a food on our table as i had issues gaining employment at that point in time and due to this reason i tried getting loans from various online lender and the first one i trusted milked out the contribution that was granted to e which was $4000 .. funny ! i became even poorer all in the name of getting a loan but i complained to my neighbor about my ordeal and how i got used and scammed by fake lenders and she also told me that she was also a victim and she got into her apple device in my presence and got out an email address of a UNITED STATE REGISTERED LOAN AGENCY BY NAME .. THE WINONA MILLARAY LOAN AGENCY and she confirmed and guaranteed me that they will never ask me for a fee because they are a christian and a genuine loan agency and she further assisted me with application and my loan funds was delivered into my bank of America Account in 48 hours without stress , because of my excitement i could not hold this but to share my encounter about this God sent foundation : mrswinonamillarayloancouncil@gmail.com , thewinonamillarayloancouncil@hotmail.com to the world so that anyone that is also in need can benefit from their %2 percent rate just like i did .
LOVELINE
8/6/2019 - 6:09:59 PM
Testimony on how i received my loan at 2% ( Frank Loans Services )

Compliment of the day to everyone out here, My name is Mitch Vanessa, I would without reservation recommend working with "Frank Loan Services" for any kind of loans without reservation, I was in a financial crisis and needed a loan of $250,000, I tried almost all banks and Some other loan companys and I couldn't get any approval, then i decided to try one more time I contacted "Frank Loans Services" for help, I could tell he's the type of person I could trust to help me make the best decision for me and my family, luckily for me I was granted a loan successfully, even with or without collateral but no credit check and their services are fast, Reliable and trustworthy.

Are you finding it hard to obtain capital service from local banks and other financial institutes? Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? "Frank Loans Services" is the answer, they offer loans at a very affordable interest rate of 2% interested persons should contact him via His E-mail: k.frankloans@gmail.com Mobile: +1-713-389-6778.

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Mitch Vanessa
8/4/2019 - 9:33:23 PM
MRS.PHILIP LOAN FIRM.
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mrsphilip
8/1/2019 - 8:20:41 PM
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7/31/2019 - 8:59:47 PM
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Horace Davis
7/31/2019 - 2:53:19 PM
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Good day to you all in this forum, I’m Horace S. Davis from Torrance, CA, USA, It was about months searching for a credible Financial Company; I applied for a loan from my Credit Union Bank, my job and and credit score denied my application, they told me about my position income and i realized that my application had been cancelled. I felt crushed because I really felt I had an opportunity until all hopes was lost. But when I was introduced to an online quick financial corporation 'Lothian Loans Company'. I had a wonderful experience as I got the loan funds in a period of 24 hours. I urge everyone who might need financial assistance or same situation I was in, to contact Lothian Loans at +1(985)-545-2718 or simply email directly to: lothianloans@aol.com
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7/31/2019 - 2:45:52 PM
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7/27/2019 - 8:29:47 PM
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Dr. Jayden Martin
7/27/2019 - 8:23:17 PM

How i got my Desired Loan Amount from a Reliable Loan Company (calvinlarrylenders@gmail.com)
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Tyler Kingsley
7/27/2019 - 1:27:31 PM
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Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request plus our terms and
procedures.

Contact name: David Verney

Email : davidverney18@gmail.com

skype davidverney18@gmail.com



GENERIC FINANCIAL MANAGEMENT PLC (Registered No 01911493)

THE OLD CHURCH VERULAM ROAD ST. ALBANS HERTFORDSHIRE, AL3 4DH GB


David Verney

davidverney18@gmail.com
david verney
7/22/2019 - 9:35:31 PM
We Offer Secured Verifiable BG/SBLC Instruments
We are specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request plus our terms and
procedures.

Contact name: David Verney

Email : davidverney18@gmail.com

skype davidverney18@gmail.com



GENERIC FINANCIAL MANAGEMENT PLC (Registered No 01911493)

THE OLD CHURCH VERULAM ROAD ST. ALBANS HERTFORDSHIRE, AL3 4DH GB


David Verney

davidverney18@gmail.com
david verney
7/22/2019 - 9:23:20 PM
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7/22/2019 - 3:37:05 PM
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7/10/2019 - 8:11:59 PM
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7/5/2019 - 6:54:56 PM

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KELVIN SMITH
7/3/2019 - 11:42:48 AM


THIS IS MY TURN AROUND STORY OF HOW I GOT A NO UPFRONT FEE VIA THE WINONA MILLARAY LOAN AGENCY .

Hello everyone i am Kelvin smith , i know that its not polite for me to be posting about my excellent experience with this loan agency online but i do feel that its best to let others know where and how you got your financial breakthrough from especially when we have a whole lot of fake online loan agencies who are posing to be legit , I am Miller by name,Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your thewinonamillarayloancouncil@hotmail.com or mrswinonamillarayloancouncil@gmail.com or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com
KELVIN SMITH
7/3/2019 - 11:38:10 AM
A MUST READ: HOW I GOT MY LOAN OF $375,000.00 FROM THIS GREAT COMPANY CALLED LANDON LUIS HOME LOANS

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Nancy White
7/2/2019 - 8:15:00 PM
A MUST READ: HOW I GOT MY LOAN OF $375,000.00 FROM THIS GREAT COMPANY CALLED LANDON LUIS HOME LOANS

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They offer all kind of categories of loan they

Short term loan (1_10years)
Long term loan (20_30 years)

They offer loan like

*Property Purchase loans................... Home loan............., Business loan........
Debt consolidation loan .......Refinance Loan..........,Business start up loan
Farm loan....... , Company loan..............Mortgages loan
construction loan.....car loan........ hotel loan....personal loans..property loans etc

Email..........(landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816
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Nancy White
7/2/2019 - 8:10:19 PM
I am Hart Gold , a private money lender. I give out loans with an
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Mehmet Hakan
7/2/2019 - 10:58:03 AM
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We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

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Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
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Email : davidverney18@gmail.com

skype davidverney18@gmail.com
david verney
7/1/2019 - 8:59:04 PM
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6/30/2019 - 6:58:22 PM
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6/27/2019 - 7:40:41 PM
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Instruments :Fully Cash Backed, Fresh Cut Bank Guarantee(Standard ICC format)
Age :One (1) years and One (1) day
Rate :Leasing: 3+2, Purchase: 32+2
Currency :USD/Euro
Bank :Top A Rated banks
Amount :As Advised by Beneficiary
Intermediary Fees : Two Percent (2%) of Face Value payable by Beneficiary
Tranches : As per agreed tranches schedule
Delivery : Swift MT799/MT760
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6/27/2019 - 7:28:00 PM
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6/3/2019 - 3:47:46 PM
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MARVIN INVESTMENTS LIMITED
6/3/2019 - 3:44:08 PM

We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

Regards,
Wright
Skype;
wrightjames931@gmail.com
WE OFFER LEASE BG,SBLC AND MTN
5/30/2019 - 10:56:18 AM


This breakthrough happened sometimes ago but i still cant forget how my life changed as a result of this loan encounter with the ameir miller group of firms but i will post this again even though it is coming very late because i just have to say this testimony on here so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Firm , I am {Stefano} a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any formof delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvelous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : ameirmillerclassicloaninstitute@yahoo.com text them at , ameirmillerapprovedloans@usa.com ,or perhaps , theameirmillerfinancialoffice@gmail.com this GOD BLESS .
STEFANO
5/18/2019 - 10:33:24 AM


This breakthrough happened sometimes ago but i still cant forget how my life changed as a result of this loan encounter with the ameir miller group of firms but i will post this again even though it is coming very late because i just have to say this testimony on here so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Firm , I am {Stefano} a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any formof delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvelous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : ameirmillerclassicloaninstitute@yahoo.com text them at , ameirmillerapprovedloans@usa.com ,or perhaps , theameirmillerfinancialoffice@gmail.com this GOD BLESS .
STEFANO
5/10/2019 - 4:42:02 AM



This breakthrough happened sometimes ago but i still cant forget how my life changed as a result of this loan encounter with the ameir miller group of firms but i will post this again even though it is coming very late because i just have to say this testimony on here so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Firm , I am {Stefano} a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any formof delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvelous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : ameirmillerclassicloaninstitute@yahoo.com text them at , ameirmillerapprovedloans@usa.com ,or perhaps , theameirmillerfinancialoffice@gmail.com this GOD BLESS .
STEFANO
5/10/2019 - 4:36:31 AM
THIS IS MY TURN AROUND STORY OF HOW I GOT A NO UPFRONT FEE VIA THE WINONA MILLARAY LOAN AGENCY .

Hello everyone i am Kelvin smith , i know that its not polite for me to be posting about my excellent experience with this loan agency online but i do feel that its best to let others know where and how you got your financial breakthrough from especially when we have a whole lot of fake online loan agencies who are posing to be legit , I am Miller by name,Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your thewinonamillarayloancouncil@hotmail.com or mrswinonamillarayloancouncil@gmail.com or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com
KELVIN SMITH
5/9/2019 - 9:19:19 AM

THIS IS MY TURN AROUND STORY OF HOW I GOT A NO UPFRONT FEE VIA THE WINONA MILLARAY LOAN AGENCY .

Hello everyone i am Kelvin smith , i know that its not polite for me to be posting about my excellent experience with this loan agency online but i do feel that its best to let others know where and how you got your financial breakthrough from especially when we have a whole lot of fake online loan agencies who are posing to be legit , I am Miller by name,Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your thewinonamillarayloancouncil@hotmail.com or mrswinonamillarayloancouncil@gmail.com or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com
KELVIN SMITH
5/9/2019 - 8:54:10 AM


THIS IS MY TURN AROUND STORY OF HOW I GOT A NO UPFRONT FEE VIA THE WINONA MILLARAY LOAN AGENCY .

Hello everyone i am Kelvin smith , i know that its not polite for me to be posting about my excellent experience with this loan agency online but i do feel that its best to let others know where and how you got your financial breakthrough from especially when we have a whole lot of fake online loan agencies who are posing to be legit , I am Miller by name,Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your thewinonamillarayloancouncil@hotmail.com or mrswinonamillarayloancouncil@gmail.com or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com
KELVIN SMITH
5/9/2019 - 8:50:56 AM
We are specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request plus our terms and
procedures.

Contact name: David Verney

Email : davidverney18@gmail.com

skype davidverney18@gmail.com



GENERIC FINANCIAL MANAGEMENT PLC (Registered No 01911493)

THE OLD CHURCH VERULAM ROAD ST. ALBANS HERTFORDSHIRE, AL3 4DH GB


David Verney

davidverney18@gmail.com
david verney
5/8/2019 - 2:54:20 AM
We are specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request plus our terms and
procedures.

Contact name: David Verney

Email : davidverney18@gmail.com

skype davidverney18@gmail.com



GENERIC FINANCIAL MANAGEMENT PLC (Registered No 01911493)

THE OLD CHURCH VERULAM ROAD ST. ALBANS HERTFORDSHIRE, AL3 4DH GB


David Verney

davidverney18@gmail.com
david verney
5/8/2019 - 2:25:46 AM

THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .
CHURCHILL
4/20/2019 - 4:57:44 PM





This breakthrough happened sometimes ago but i still cant forget how my life changed as a result of this loan encounter with the ameir miller group of firms but i will post this again even though it is coming very late because i just have to say this testimony on here so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Firm , I am {Stefano} a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any formof delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvelous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : ameirmillerclassicloaninstitute@yahoo.com text them at , ameirmillerapprovedloans@usa.com ,or perhaps , theameirmillerfinancialoffice@gmail.com this GOD BLESS .
stefano
4/19/2019 - 5:43:56 PM
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skype:crusaderbroker.bgassurance
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4/17/2019 - 5:39:40 AM


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Alice Beatrice
4/5/2019 - 5:58:07 AM


This breakthrough happened sometimes ago but i still cant forget how my life changed as a result of this loan encounter with the ameir miller group of firms but i will post this again even though it is coming very late because i just have to say this testimony on here so that everyone can also be aware of this great thing that happened in my life through the Ameir Miller Financial Firm , I am {Stefano} a college student, all thanks to the Amier Miller Loan Institute for putting this great smile on my face llast year and for standing by there words in granting me this loan funds as they have dully promised , its so amazing that i just got an alert from my bank that the loan amount of $ 10,000 Usd that i applied for from the Amier Miller Classic Loan Institute which was duly credited into my bank account has they promised without any formof delays , i am very excited about this thing in my life because i never knew that i would really get this loan funds and i know that this is the lords doing and it is so marvelous in my eyes . finally i can now sleep with my 2 eyes closed. Here is there email address just incase you need a loan too : ameirmillerclassicloaninstitute@yahoo.com text them at , ameirmillerapprovedloans@usa.com ,or perhaps , theameirmillerfinancialoffice@gmail.com this GOD BLESS .
STEFANO
4/3/2019 - 6:20:24 PM
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1/29/2019 - 2:58:06 AM
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1/16/2019 - 5:13:55 PM
I bring you good tidings this new year and i just want to give my testimony over and over again so that we can all be motivated and believe that there are still good online lioan firnms out there no matter what , i dont have so much to say but i just want to recommend the Ameir Miller loan agency to everyone who are in dire need of monies not to be misled by other fake loan agemcies because i got misled by 2 loan agencys this past december but after i had a encounter with the Ameir miller loan agency my story changed as my loan funds was delivered to me without any stress or didappiintment . they are simply the best online ad trusted loan agency and i am saying this from te bottom of my heart because they didnt didappint me and also did not didappiint the person that i refered to them recently . God bless the Ameir Miller loan agency and God bless the Ceo for her understanding and good heart in helping the needy sincrely without stealling from them . here is their email handle just incse you need a new year loan from them . ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com [ Prince ]
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1/16/2019 - 5:08:38 PM

I bring you good tidings this new year and i just want to give my testimony over and over again so that we can all be motivated and believe that there are still good online lioan firnms out there no matter what , i dont have so much to say but i just want to recommend the Ameir Miller loan agency to everyone who are in dire need of monies not to be misled by other fake loan agemcies because i got misled by 2 loan agencys this past december but after i had a encounter with the Ameir miller loan agency my story changed as my loan funds was delivered to me without any stress or didappiintment . they are simply the best online ad trusted loan agency and i am saying this from te bottom of my heart because they didnt didappint me and also did not didappiint the person that i refered to them recently . God bless the Ameir Miller loan agency and God bless the Ceo for her understanding and good heart in helping the needy sincrely without stealling from them . here is their email handle just incse you need a new year loan from them . ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com [ Prince ]
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12/5/2018 - 6:10:23 PM
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12/5/2018 - 6:07:18 PM
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11/20/2018 - 6:12:01 AM
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Jp54 Gross price $36/ Net $34. Minimum Order is 1,000,000 barrels / month
JA1 Gross price $38/ Net $36. Minimum Order is 1,000,000 barrels / month
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10/26/2018 - 11:12:09 AM


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Warm Regards,

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Director of General Operations .
THE AMEIR MILLER
10/26/2018 - 1:18:02 AM



HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

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This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
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You can reach us on the following contact information for further inquiries on our loan program , text our office at : +1 252-585-5014
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com


Warm Regards,

Pastor Mrs Ameir Miller
Director of General Operations .
THE AMEIR MILLER
10/26/2018 - 12:53:14 AM
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10/15/2018 - 9:35:12 AM
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Dr Lauri Johan
10/14/2018 - 7:32:36 PM
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DOB (yyyy-mm-dd):
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Angel Loan Investment.

Angel Loan Investment
10/12/2018 - 7:25:51 PM
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AZRA ISHAQUE
10/9/2018 - 10:56:23 PM
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9/25/2018 - 3:31:13 AM

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9/24/2018 - 12:29:09 PM

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9/23/2018 - 12:54:16 AM
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9/18/2018 - 12:56:09 PM
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Mrs.Carol Anderson
9/17/2018 - 5:52:59 AM
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9/14/2018 - 4:09:52 PM



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9/12/2018 - 7:47:00 PM


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9/12/2018 - 7:39:43 PM

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Mike Fisher
9/12/2018 - 7:32:35 PM


PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!!

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Mike Fisher
9/12/2018 - 7:29:03 PM

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9/12/2018 - 7:07:13 AM
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9/10/2018 - 12:42:57 PM

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francisco
9/5/2018 - 6:24:11 AM
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Francisco
9/5/2018 - 6:21:32 AM

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Francisco
9/5/2018 - 6:14:57 AM
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Mrs Abigail Mills
9/3/2018 - 9:03:10 PM
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Mrs Abigail Mills
9/3/2018 - 8:59:56 PM


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Hon.Francisco Camacho
9/2/2018 - 1:09:40 PM
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sophiecarty
9/1/2018 - 9:10:35 PM
Are you an individual businessman or a business organisation that wishes to expand in

business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on

lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine

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in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any

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Email:~ info.hlfinanceplc@gmail.com
Skype ID:info.hlfinanceplc

With our financial/bank instrument you can establish line of credit with your bank and/or

secure loan for your projects in which our bank instrument will serve collateral in your

bank to fund your project.

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are reasonable and we work directly with issuing bank lease providers, this instrument can

be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are

welcome to bring their clients and are 100% protected. In complete confidence, we will work

together for the benefits of all parties involved.

All relevant business information will be provided upon request.
BROKERS ARE WELCOME & 100% PROTECTED!!!

If Interested kindly contact me via

Email:info.hlfinanceplc@gmail.com
Skype ID:info.hlfinanceplc

serious enquiry

BG & SBLC For Lease and Purchase 100% protected (We moves first)
cook
8/28/2018 - 9:14:30 PM

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8/27/2018 - 7:14:57 AM
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8/25/2018 - 3:31:25 PM
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8/24/2018 - 8:20:52 AM
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8/23/2018 - 7:52:50 PM

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Hon.Francisco Camacho
8/23/2018 - 5:00:34 PM


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8/20/2018 - 4:41:10 PM
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Email profclaudeloans@gmail.com

Prof USA/Colorado
8/16/2018 - 10:47:29 AM
Hello Everyone...

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Regards.
Mr.Louis Peter Funds Investment Loan Company.
Mr.Louis Peter
8/15/2018 - 10:25:07 PM
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Remain Blessed,
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Mr Mark Roland
8/15/2018 - 4:50:17 PM
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Regards.
Mr.Louis Peter Funds Investment Loan Company.
Mr.Louis Peter
8/13/2018 - 7:01:18 PM
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DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 1 MIN and Eur 5B MAX (Five Billion USD).
3. Issuing Bank: HSBC, London or Deutsche Bank Frankfurt or any Top 25 WEB
4. Age: One Year, One Day
5. Leasing Fee: Based on the Face Value of BG/SBLC Plus (0.5% + X %) Commission.1M ? 50M: 3.0% + (0.5% + X%) = 3.5% + X%51M ? 100M: 2.5% + (0.5% + X%) = 3.0% + X %101M ? 500M: 2.0% + (0.5% + X%) = 2.5% + X%
6. Delivery: Bank to Bank Swift MT799 and/or MT760
7. Payment: MT103
8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.

Best Regards
Management.
Wesley Burke
Email: wesswebur2323@gmail.com
PH: +1-218-248-7397
Wesley Burke
8/13/2018 - 12:16:03 PM

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Prof Pentecost Capital USA/Colorado
8/13/2018 - 11:35:57 AM

Good Day Everyone

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* Personal Loan [secure and unsecured]
* Student Loan and so many more.

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WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS
Mr Refael Luciano
8/9/2018 - 2:16:19 PM
I AM MR LAVINGTON AND I BELIEVE IN ACTIONS THAN WORDS, IF YOU NEED ANY TYPE OF LOAN, CONTACT ME AND I WILL GIVE YOU MY TERMS : lavingtonfinance@gmail.com or text/call +18288270635

Thanks
lavington
8/9/2018 - 1:38:19 PM

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for a genuine financial Email:(creditloan11@gmail.com)
creditloan11
8/9/2018 - 12:54:28 PM
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creditloan11
8/9/2018 - 7:28:39 AM


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Prof Pentecost Capital USA/Colorado
8/8/2018 - 6:48:19 AM
Hello,

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Thanks
Ramsey
8/7/2018 - 7:38:50 PM
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An Employed/Unemployed



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BLANK ATM TESTED AND TRUSTED

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Regards
Melissa
8/6/2018 - 6:42:23 PM
I am Mathew Cox from USA, I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or Whats-app him +16319929129
mathew
8/4/2018 - 5:18:47 PM
Hello Everyone,Mr Mark Roland Paco Loan Company Web/Site http://pacoloancompany.website2.me/contact

Welcome to the future! Financing made easy with Mark Roland Loan Investment Inc.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Mark Roland Loan Investment Inc. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 3% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.Email:pacoloancompany@gmail.com or Phone Number:+1 (419) 718-1467 Web/Site http://pacoloancompany.website2.me/contact

Services rendered include:

* Car Loan
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Phone Number:+1 (419) 718-1467
For more details contact us at: pacoloancompany@gmail.com Web/Site http://pacoloancompany.website2.me/contact

With Mr Mark Roland Loan Investment Inc. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic

Remain Blessed,
Mr Mark Roland.
Mr Mark Roland
8/4/2018 - 3:16:22 PM
Hello Everyone,Mr Mark Roland Paco Loan Company Web/Site http://pacoloancompany.website2.me/contact

Welcome to the future! Financing made easy with Mark Roland Loan Investment Inc.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Mark Roland Loan Investment Inc. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 3% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.Email:pacoloancompany@gmail.com or Phone Number:+1 (419) 718-1467 Web/Site http://pacoloancompany.website2.me/contact

Services rendered include:

* Car Loan
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Phone Number:+1 (419) 718-1467
For more details contact us at: pacoloancompany@gmail.com Web/Site http://pacoloancompany.website2.me/contact

With Mr Mark Roland Loan Investment Inc. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic

Remain Blessed,
Mr Mark Roland.
Mr Mark Roland
8/4/2018 - 6:00:23 AM
Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: (urgentloan22@gmail.com)
Mrs Sharon Sim
8/1/2018 - 10:53:36 PM
Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: (urgentloan22@gmail.com)
Mrs Sharon Sim
8/1/2018 - 10:47:20 PM
How I got a loan after being scammed.

Hello everyone, my name is Carmen Boykin Jennette from Missouri USA, I have been struggling looking for a means of getting a loan for the past 4 months, I have searched a lot of companies and during that process I got scammed. I needed a loan of $47,000 to set up a business and settle my bills as well as take care of my children. But instead of getting a loan I was scammed by 2 different lenders not until I was referred to one Mr James Richard Dyson of Jennard Investments Limited with Contact number: +1(484)292-4513 by Mrs Renee Craig a member of my church. So I decided to apply and to my surprise I was granted and funded my desired loan amount as I have applied for. I want to use this platform to reach out to everyone out there in need of a loan to contact then via email: jennardinvestmentslimited@outlook.com. They are reliable.
Carmen Boykin Jennette
8/1/2018 - 7:56:17 PM


HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
loan .,Travelling / Mobility loan .,Ceremony loan.

You can reach us on the following contact information for further inquiries on our loan program , text our office at : +1 252-585-5014
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com


Warm Regards,

Pastor Mrs Ameir Miller
Director of General Operations .


THE AMIER MILLER
8/1/2018 - 6:41:23 PM



HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
loan .,Travelling / Mobility loan .,Ceremony loan.

You can reach us on the following contact information for further inquiries on our loan program , text our office at : +1 252-585-5014
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com


Warm Regards,

Pastor Mrs Ameir Miller
Director of General Operations .


THE AMIER MILLER
8/1/2018 - 6:14:57 PM
We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 1%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
Name : Keat Cheng
E-mail : keatcheng2@gmail.com
Skype id :keatcheng2@gmail.com
Keat Cheng
8/1/2018 - 8:36:57 AM
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Walsh Robert
8/1/2018 - 6:46:10 AM
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Walsh Robert
8/1/2018 - 6:42:29 AM
Hello Everyone...

Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961.

Do apply now and get that dream you always want for your self.

Regards.
Mr.Louis Peter Funds Investment Loan Company.
Mr.Louis Peter
7/31/2018 - 2:35:27 PM
A MUST READ: HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. JOHN MARSHALL LOAN COMPANY

Hello to All across the globe, I am Mrs. Sharon David, from United State Of America, USA. I am a mother of 4 kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet Dr. John Marshall the most interesting part of it is that my loan was transfer to me within 48hours so I will advice you to contact Dr. John Marshall if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Dr. John Marshall today for your loan

They offer all kind of categories of loan they

Short term loan (1_10years)
Long term loan (20_30 years)
They offer loan like
Home loan............., Business loan........ Debt consolidation loan .......
Student loan..........,Business start up loan
Business loan....... , Company loan..............Mortgages loan
construction loan.....car loan........ hotel loan....personal loans..
Investment Loan.......Commercial Loan........Refinancing Loans
Truck Loans............Farm Loan etc.


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When it comes to financial crisis and you need to be free from financial crisis then Dr. John Marshall loans is the place to go please just tell him I Mrs. Sharon David direct you Good Luck....
Mrs. Sharon David
7/31/2018 - 1:09:51 PM
Hello Everyone...

Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961.

Do apply now and get that dream you always want for your self.

Regards.
Mr.Louis Peter Funds Investment Loan Company.
Mr.Louis Peter
7/31/2018 - 9:14:18 AM
Hello Everyone...

Are you a business man or woman? And you are in need of an urgent loan as to start up your own business? Or do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via Email: ( louisfundsinvestment0044@outlook.com ) or call/sms +1-562-453-0961 for a loan offer of 2% Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Truck Loans,Home Refinancing Loans Hotels Loans, Farm Loan with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..Interested applicants should Contact us for more info via Email: louisfundsinvestment0044@outlook.com or call/sms +1-562-453-0961.

Do apply now and get that dream you always want for your self.

Regards.
Mr.Louis Peter Funds Investment Loan Company.
Louis Peter Funds Investment Loan Company.
7/30/2018 - 9:09:14 PM
How I got a loan after being scammed.

Hello everyone, my name is Carmen Boykin Jennette from Missouri USA, I have been struggling looking for a means of getting a loan for the past 4 months, I have searched a lot of companies and during that process I got scammed. I needed a loan of $47,000 to set up a business and settle my bills as well as take care of my children. But instead of getting a loan I was scammed by 2 different lenders not until I was referred to one Mr James Richard Dyson of Jennard Investments Limited with Contact number: +1(484)292-4513 by Mrs Renee Craig a member of my church. So I decided to apply and to my surprise I was granted and funded my desired loan amount as I have applied for. I want to use this platform to reach out to everyone out there in need of a loan to contact then via email: jennardinvestmentslimited@outlook.com. They are reliable.
Carmen Boykin Jennette
7/30/2018 - 2:25:48 PM

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Prof Claude Capital
7/30/2018 - 6:17:45 AM
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ShiTanna Matthews
7/30/2018 - 5:35:34 AM
It was unbelievable i got a loan of $200,000 dollar..My Name is ShiTanna Matthews, i am a citizen of North Carolina. I am happy i got a loan from a loan lender which help me out with my loan, i have tried different service but i could never get a loan from those service, some of them will ask me to fill lots of document and at the end of the day it will not end well. but i am happy after meeting with Mrs Susan James LOAN COMPANY, i was able to get my loan of $200,000 dollar. Now my business is going well and i want to let all of you know this today because they are quick and 100% reliable. now i am paying back the loan i got from Mrs Susan James Loan Company. Contact them and don't waste your time with those loan lender at there. Email: susanjamesloanfirml07@gmail.com or susanjamesloanfirml07@outlook.com or Whats-app Number:+1(587)206-1157 or via-Website: https://susanjamesloanfirm.wixsite.com/loan-officer Good-luck.
ShiTanna Matthews
7/30/2018 - 5:16:07 AM
SUSAN JAMES LOANS SAVE ME WHEN THERE WAS NO HOPE CONTACT WHATS APP NUMBER:+1(587)206-1157
ShiTanna Matthews
7/30/2018 - 5:04:56 AM
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Our procedures are most reasonable and safest as dealings are done bank to bank immediately after DOA is countersigned keeping you our client guaranteed of safety 100%.

Equally,we are ready to work and pay commission to Brokers and financial
consultants/consulting firms in their respective countries.

Awaiting a favourable response from you.

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Walsh Robert
7/30/2018 - 4:24:11 AM
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Our procedures are most reasonable and safest as dealings are done bank to bank immediately after DOA is countersigned keeping you our client guaranteed of safety 100%.

Equally,we are ready to work and pay commission to Brokers and financial
consultants/consulting firms in their respective countries.

Awaiting a favourable response from you.

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Walsh Robert
7/30/2018 - 4:21:26 AM
Hello Everyone,Mr Mark Roland Paco Loan Company

Welcome to the future! Financing made easy with Mark Roland Loan Investment Inc.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Mark Roland Loan Investment Inc. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 3% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.Email:pacoloancompany@gmail.com or Phone Number:+1 (419) 718-1467

Services rendered include:

* Car Loan
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Phone Number:+1 (419) 718-1467
For more details contact us at: pacoloancompany@gmail.com

With Mr Mark Roland Loan Investment Inc. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic

Remain Blessed,
Mr Mark Roland.
Mr Mark Roland
7/29/2018 - 9:18:41 AM

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable contact us via WhatsApp Number: +19292227023 Email profclaudecapital@gmail.com
Prof Claude Capital
7/29/2018 - 7:59:28 AM
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Hello, are you in debt or need urgent cash/financial help? do you need a loan, fast and reliable, this is the right place to get credible loans. We offer all kind of loans including international loans to individual and public sector that are in need of financial assistance in a low interest rate of 2%. Bad credit acceptable The terms and conditions are very simple and considerate. We have the access/contacts to raise from $10,000.00 to $600,000,000.00 Dollars with our reliable loan company and other top prime AA Banks like Chase Bank, HSBC, Wells Fargo, The Best Banks for SBA Loans E.T.C. always facing financial problems with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? have you been looking for a quick and legit loan online why don't you try Capital Management Inc. loan company and be free from debts note getting a loan from this company is 100% assured and guaranteed. It will be a great joy to us when you are financially stable. reduce your payments to ease the strain on your monthly expenses contact us via Email profclaudecapital@gmail.com
Prof Claude Capital
7/29/2018 - 7:56:17 AM

GOOD NEWS EVERYONE,APPLY TODAY FOR QUICK AND CONVENIENT LOANS [Phone Contact] +1(415) 322-7529 [WhatsApp Number] +19292227023 [Email] profclaudecapital@gmail.com

Hello, are you in debt or need urgent cash/financial help? do you need a loan, fast and reliable, this is the right place to get credible loans. We offer all kind of loans including international loans to individual and public sector that are in need of financial assistance in a low interest rate of 2%. Bad credit acceptable The terms and conditions are very simple and considerate. We have the access/contacts to raise from $10,000.00 to $600,000,000.00 Dollars with our reliable loan company and other top prime AA Banks like Chase Bank, HSBC, Wells Fargo, The Best Banks for SBA Loans E.T.C. always facing financial problems with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? have you been looking for a quick and legit loan online why don't you try Capital Management Inc. loan company and be free from debts note getting a loan from this company is 100% assured and guaranteed. It will be a great joy to us when you are financially stable. reduce your payments to ease the strain on your monthly expenses contact us via Email profclaudecapital@gmail.com
Prof Claude Capital
7/29/2018 - 7:50:01 AM
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7/29/2018 - 5:48:45 AM
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7/28/2018 - 6:31:53 PM
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For more details contact us at: pacoloancompany@gmail.com

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Mr Mark Roland
7/28/2018 - 3:25:23 PM
Hello Everyone,Mr Mark Roland Paco Loan Company

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Services rendered include:

* Car Loan
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Phone Number:(419) 718-1467
For more details contact us at: pacoloancompany@gmail.com

With Mr Mark Roland Loan Investment Inc. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic

Remain Blessed,
Mr Mark Roland.
Mr Mark Roland
7/28/2018 - 2:39:28 PM
A MUST READ: HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. JOHN MARSHALL LOAN COMPANY

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Short term loan (1_10years)
Long term loan (20_30 years)
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Home loan............., Business loan........ Debt consolidation loan .......
Student loan..........,Business start up loan
Business loan....... , Company loan..............Mortgages loan
construction loan.....car loan........ hotel loan....personal loans..
Investment Loan.......Commercial Loan........Refinancing Loans
Truck Loans............Farm Loan etc.


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When it comes to financial crisis and you need to be free from financial crisis then Dr. John Marshall loans is the place to go please just tell him I Mrs. Sharon David direct you Good Luck....
Mrs. Sharon David
7/28/2018 - 1:28:27 PM
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7/26/2018 - 12:35:45 PM


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Hello, are you in debt or need urgent cash/financial help? do you need a loan, fast and reliable, this is the right place to get credible loans. We offer all kind of loans including international loans to individual and public sector that are in need of financial assistance in a low interest rate of 2%. Bad credit acceptable The terms and conditions are very simple and considerate. We have the access/contacts to raise from $10,000.00 to $600,000,000.00 Dollars with our reliable loan company and other top prime AA Banks like Chase Bank, HSBC, Wells Fargo, The Best Banks for SBA Loans E.T.C. Always facing financial problems with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? have you been looking for a quick and legit loan online why don't you try Capital Management Inc. loan company and be free from debts note getting a loan from this company is 100% assured and guaranteed. It will be a great joy to us when you are financially stable. reduce your payments to ease the strain on your monthly expenses contact us via Email profclaudecapital@gmail.com

Yours Faithfully
Prof Claude Dan Capital
Phone Contact: +1(415) 322-7529
WhatsApp Number: +19292227023
Email profclaudecapital@gmail.com
Prof Claude Dan Capital
7/25/2018 - 11:53:34 PM
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Prof Claude Dan Capital
7/25/2018 - 7:08:29 PM
How I got a loan after being scammed. Hello everyone, my name is Carmen Boykin Ramsey from Missouri USA, I have been struggling looking for a means of getting a loan for the past 4 months, I have searched a lot of companies and during that process I got scammed. I needed a loan of $37,000 to set up a business and settle my bills as well as take care of my children. But instead of getting a loan I was scammed by 2 different lenders not until I was referred to one Mr James Richard Dyson of European Investments Limited . So I decided to apply and to my surprise I was granted and funded my desired loan amount as I have applied for. I want to use this platform to reach out to everyone out there in need of a loan to contact them via email: paulsteven441@gmail.com or whatsapp on:+393510747468 They are reliable.
Ramsey
7/25/2018 - 7:53:23 AM
A MUST READ: HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. JOHN MARSHALL LOAN COMPANY

Hello to All across the globe, I am Mrs. Sharon David, from United State Of America, USA. I am a mother of 4 kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet Dr. John Marshall the most interesting part of it is that my loan was transfer to me within 48hours so I will advice you to contact Dr. John Marshall if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Dr. John Marshall today for your loan

They offer all kind of categories of loan they

Short term loan (1_10years)
Long term loan (20_30 years)
They offer loan like
Home loan............., Business loan........ Debt consolidation loan .......
Student loan..........,Business start up loan
Business loan....... , Company loan..............Mortgages loan
construction loan.....car loan........ hotel loan....personal loans..
Investment Loan.......Commercial Loan........Refinancing Loans
Truck Loans............Farm Loan etc.


Email..........(dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836
When it comes to financial crisis and you need to be free from financial crisis then Dr. John Marshall loans is the place to go please just tell him I Mrs. Sharon David direct you Good Luck....
Mrs. Sharon David
7/24/2018 - 8:35:09 PM
Hello Everyone,Mr Mark Roland Paco Loan Company

Welcome to the future! Financing made easy with Mark Roland Loan Investment Inc.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Mark Roland Loan Investment Inc. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 3% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.Email:pacoloancompany@gmail.com or Phone Number:(419) 718-1467

Services rendered include:

* Car Loan
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Phone Number:(419) 718-1467
For more details contact us at: pacoloancompany@gmail.com

With Mr Mark Roland Loan Investment Inc. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic

Remain Blessed,
Mr Mark Roland.
Mr Mark Roland
7/24/2018 - 11:42:06 AM
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Raymond Dosion
7/23/2018 - 5:54:14 PM
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Our BG/SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+1%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+1%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

Contact : Mr. Raymond Doison
Contact Email: crusaderbroker.bgassurance@gmail.com
skype:crusaderbroker.bgassurance@gmail.com
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7/23/2018 - 5:45:14 PM
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GAVRIIL Mikhailovich
7/23/2018 - 5:16:58 AM
How I got a loan after being scammed.

Hello everyone, my name is Carmen Boykin Jennette from Missouri USA, I have been struggling looking for a means of getting a loan for the past 4 months, I have searched a lot of companies and during that process I got scammed. I needed a loan of $47,000 to set up a business and settle my bills as well as take care of my children. But instead of getting a loan I was scammed by 2 different lenders not until I was referred to one Mr James Richard Dyson of Jennard Investments Limited with Contact number: +1(484)292-4513 by Mrs Renee Craig a member of my church. So I decided to apply and to my surprise I was granted and funded my desired loan amount as I have applied for. I want to use this platform to reach out to everyone out there in need of a loan to contact then via email: jennardinvestmentslimited@outlook.com. They are reliable.
Carmen Boykin Jennette
7/22/2018 - 11:12:49 PM
Hello Everyone...

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Regards.
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Mr.Louis Peter
7/22/2018 - 9:53:49 PM
Hello Everyone...

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Do apply now and get that dream you always want for your self.

Regards.
Mr.Louis Peter Funds Investment Loan Company.
Louis Peter Funds Investment Loan Company.
7/22/2018 - 6:13:04 PM
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7/22/2018 - 5:42:15 AM

Good Day..

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Hope elinal
7/22/2018 - 12:16:15 AM
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7/21/2018 - 2:37:48 PM
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7/21/2018 - 9:01:58 AM
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7/20/2018 - 5:59:54 PM
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7/20/2018 - 12:46:53 AM
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7/19/2018 - 3:26:36 PM
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7/19/2018 - 11:47:41 AM
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7/19/2018 - 10:43:53 AM
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7/19/2018 - 9:19:38 AM
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7/18/2018 - 9:47:55 PM
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7/18/2018 - 6:34:20 PM
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7/18/2018 - 4:51:57 PM
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7/18/2018 - 4:46:49 PM
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7/18/2018 - 11:09:37 AM
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7/18/2018 - 9:07:08 AM
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Do apply now and get that dream you always want for your self.

Regards.
Mr.Louis Peter Funds Investment Loan Company.
Mr.Louis Peter
7/18/2018 - 8:43:35 AM
Do You Seek Funds To Pay Off Credits and Debts? { EllinasFinances@gmail.com } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 1.00%. Interested Applicants Should Contact Us Via Email: EllinasFinances@gmail.com

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EllinasFinances@gmail.com
7/18/2018 - 12:24:07 AM
Hello...

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Mr.Favour World Best Loan Offer Company
7/17/2018 - 9:13:32 PM
Good Day Everyone

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via Email: refaellucianoloanhome2012@gmail.com or call +1-619-492-9856


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* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via Email:refaellucianoloanhome2012@gmail.com or call +1-619-492-9856
Mr Refael Luciano
7/17/2018 - 6:40:58 PM


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Thanks
josse
7/17/2018 - 4:48:33 PM
Hello...

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World Best Loan Company Offer..
Mr.Favour World Loan Company
7/17/2018 - 9:04:31 AM
We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
SuiteCapitals@gmail.com
7/17/2018 - 7:21:05 AM
Hallo, wir bieten International Darlehen an Einzelpersonen und Unternehmen weltweit. Unser Zinssatz beträgt 3% pro Jahr.

Wir geben Darlehen in Höhe von $ 2000 bis $ 30.000.000,00 für jeden legalen Zweck.

Wir geben auch Darlehen von einer langen Laufzeit von 1-25 Jahren. Also, wenn Sie irgendwelche finanzielle Unterstützung jeglicher Art brauchen, um Dinge zu klären, ist dies die Firma, der Sie vertrauen und weiterleiten können. Bewerbungen sind für Bewerber ab 18 Jahren möglich.

Kontaktieren Sie uns heute für alle Ihre finanziellen Bedürfnisse.


Freundliche Grüße,
Herr Howard Freese
E-Mail: howardfreesloanlender@gmail.com
Howard Freese
7/17/2018 - 6:41:41 AM
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Best Regards,
Mr. Howard Freese
E-mail: howardfreesloanlender@gmail.com
Howard Freese
7/17/2018 - 6:34:56 AM
Hello...

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Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Best Loan Offer Company
7/16/2018 - 9:03:51 PM
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7/16/2018 - 8:52:37 PM
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Mr.Favour World Best Loan Offer Company
7/16/2018 - 8:32:59 PM
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Mr Mark Roland
7/16/2018 - 7:07:20 PM
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World Best Loan Company Offer..
Mr.Favour World Loan Company
7/16/2018 - 3:45:19 PM

Hello, We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulties or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email at: alenxanderwalkerloanfirm@outlook.com for the bible says in "Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened"so do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People. You are advise to fill and return the details below.. Your Full Name:_________ Your Country:_________ Your State_________ Your Address:_________ Your Gender:_________ Your Maritial status_________ Your Occupation:_________ Cell phone Number:_________ Loan Amount Needed:_________ Loan Duration:_________ Monthly Income:_________ Purpose Of Loan:___________ Have you applied for a loan before:_________ Act fast and get out of financial stress, mess and hardship by contacting ALENXANDER WALKER LOAN FIRM Today via Email at: alenxanderwalkerloanfirm@outlook.com You shall be treated with the best of our resources until you get this funds transferred into your account, and your quick and fast respond determines how fast you shall be receiving your loan. Without any delay Apply for your best and easy Loan here with us. Best Regards Mr ALENXANDER WALKER LOAN FIRM AT :alenxanderwalkerloanfirm@outlook.com
ROMANA
7/16/2018 - 3:16:44 PM
Olá Linda, tudo bem?

Recebemos a sua solicitação de contato e agora, dentro de no máximo 48h um dos nossos Coaches de Relacionamento entrará em contato com você para tirar todas as suas dúvidas.

Shalom.

Roberto Navarro
linda
7/16/2018 - 1:17:29 PM
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happiness to me and my family.I was in need of a loan of $50,000.00 to
start my life all over again as i am a single mother with 3 kids. I
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Kate that refer you to him. Contact Mr. john mark , via email: (
johnmarkfinancialfunds@yahoo.com )
john mark
7/16/2018 - 12:04:30 PM
Testimony"" You should not miss this opportunity [My name is Mrs.
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my self that any lender that rescue my family from our poor situation,
i will refer any person that is looking for loan to him, he gave me
happiness to me and my family.I was in need of a loan of $50,000.00 to
start my life all over again as i am a single mother with 3 kids. I
have been searching for a loan to settle my debts for the past three
months all I met scammed and took my money until I finally met a God
sent Lender. I never thought that there are still genuine loan lenders
on the internet but to my greatest surprise i got my loan without
wasting much time.I met this honest and GOD fearing man loan lender
that help me with a loan of $50,000.00 Canada Dollar. He is a GOD
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will pay back the loan please contact him tell him that is Mrs.Sandra
Kate that refer you to him. Contact Mr. john mark , via email: (
johnmarkfinancialfunds@yahoo.com )
john mark
7/16/2018 - 11:55:37 AM
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7/16/2018 - 11:14:22 AM
Hello...

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* Borrow between 5000USD to 90,000,000.00USD
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Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/15/2018 - 11:36:34 PM
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Home Loan
Car Loan
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College Loan
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Secured/Non secured Loan e.t.c.


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Thanks
memphis
7/15/2018 - 5:33:10 PM
Hello...

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Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

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Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/15/2018 - 3:55:05 PM
Good Day Everyone

Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via Email: refaellucianoloanhome2012@gmail.com or call +1-619-492-9856


Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via Email: refaellucianoloanhome2012@gmail.com or call +1-619-492-9856.


We offer the following types of loans:

* Car Loan
* Home Loan
* Mortgage Loan
* Investment Loan
* Commercial Loan
* Construction Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Student Loan and so many more.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via Email:refaellucianoloanhome2012@gmail.com or call +1-619-492-9856

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS
Mr Refael Luciano
7/15/2018 - 6:21:36 AM
Hello,

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Mr Carlos Ellison
7/14/2018 - 9:49:35 PM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

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* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
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Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/14/2018 - 7:50:41 PM
Do you need a Loan to finance your company Are you looking for financial assistance, are you in desperate need of funds ?Watts Gerald Loan Firm is here to provide you the loan amount requested. We give loans at a standard rate of 2% reach us via: Wattsloanfirm5@gmail.com We offer various types of loans include: Business Loans, Personal Loans, Home loans, car loans, student loans, debt consolidation loans, unsecured loans, venture capital,Xmas loan etc. Contact us today via Wattsloanfirm5@gmail.com and get a legit and easy loan today.website
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Watts Gerald
7/14/2018 - 7:24:53 PM
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MR GODWIN.
katherine
7/14/2018 - 7:10:42 PM
Mr Mark Roland Paco Loan Company.

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DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

Our services include the following More Information contact +1 (419) 718-1467

1..Home Loans.
2.Business Loans
3.Mortgage
4.Refinancing Loans
5.Home Loans
6.Truck Loans
7.Personal Loans
8.Debt consolidation loans
9.Car Loans
10.Education Loans
11:Investment Loans

We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.contact email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467
Mr Mark Roland
7/14/2018 - 6:40:29 PM
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Ramsey
7/14/2018 - 5:53:51 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

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Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/13/2018 - 7:47:07 PM
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Duration : 90days
Minimum Amount: 500
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Rate: 1.20 %

Advance
Duration : 180days
Minimum Amount: 5000
Maximum Amount: 20000
Rate: 2.50 %

Professional
Duration : 180days
Minimum Amount: 20000
Maximum Amount: 8
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Patrick MC Brearty
7/13/2018 - 9:42:22 AM
KATHERINE LOAN FIRM.
We are direct Loan Firm and Into 100%International Project Financing,we are giving any kind of Loan 2%,we are Informing Loan Brokers and International Projects to Finance,WORRY NO MORE KINDLY CONTACT US FOR MORE INQUIRY VIA FOLLOWING EMAIL:(KATHERINEFINANCIALLOAN@GMAIL.COM)
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MR GODWIN.
katherine
7/13/2018 - 4:07:45 AM
Mr Mark Roland Paco Loan Company.

Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

Our services include the following More Information contact +1 (419) 718-1467

1..Home Loans.
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3.Mortgage
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Mr Mark Roland
7/12/2018 - 11:27:35 PM
I got my programmed and blanked ATM card to
withdraw the maximum of $5,000 daily for a maximum of 30
days via (wesleymarkhackers@gmail.com).
I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
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or watsapp or call +16315383658
nelly smith
7/12/2018 - 5:09:35 PM
I got my programmed and blanked ATM card to
withdraw the maximum of $5,000 daily for a maximum of 30
days via (wesleymarkhackers@gmail.com).
I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
out the card just to help the poor and needy though it is illegal but it
is something nice. He also give loans at 3%. get yours from Wesley Mark Hackers today! Just send an email
to (wesleymarkhackers@gmail.com),
or watsapp or call +16315383658
nelly smith
7/12/2018 - 4:59:25 PM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a
maximum of $500 million.

Do you need a genuine loan Online to secure your Bills? Starts a new business? Do you need a personal loan? or Business loan, Apply for a quick and convenient loan to start a new financing of your projects at a cheapest interest rate of 2%. Are you in need of a Loan of any amount? Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Scores or Lack of Collateral Security? and you are in need of an urgent Personal Or Business Loan to re-finance your business, pay your bills, settle your bad credit problems, buy and own a house of your own? etc. CONTACT US NOW VIA EMAIL:(dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836
Dr. John Marshall
7/12/2018 - 12:19:22 PM
DO YOU NEED A LOAN WITH LOW INTEREST RATE TODAY?

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Are you in a bit of trouble over unpaid bills and don’t know what to do? How about finding a reputable Debt Consolidation firm that can help make things lot more easy by assisting you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Curry Vincent Loan Firm is the answer. Reduce your payments to ease the strain on your monthly expenses. Phone: +1(518)554-6688 or email:Curryvincentloanfirm@gmail.com

Are you affected by the economic state of your country and your bank refuses to give you a loan? If your answer is yes, then look no further . We offer safe and secure loans at an interest rate of 2% Curry Vincent LOAN FIRM

Phone: +1(518)554-6688 or email:Curryvincentloanfirm@gmail.com
aims is to provide Excellent Professional Financial Services.

Our services include the following:

* Personal Loans
* Mortgage Loans
* Business loans
* Debt consolidation loans
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* Home Loans
* Refinancing Loans
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We offer loans with a low interest rate of 2% and loan duration of 1 to 20 years to pay back(secure and unsecured). Do not keep your financial problems to yourself, Curry Vincent Loan Firm was established to help you solve those problems. which is reason you need to contact us today for a quick solution to your financial problems.

NOTE: It only take less than 24 Hours to process your file and get your loan approved and it’s 100% Guaranteed no matter your Credit Score and Location.

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Phone: +1 (518)554-6688 or email:Curryvincentloanfirm@gmail.com

We are certified and your informations are 100% safe with us.
Curryvincentloanfirm
7/12/2018 - 10:18:43 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

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Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/11/2018 - 8:25:56 PM
BEST AVAILABLE WAY TO FINANCIAL FREEDOM {upstoxfunding@yahoo.com}
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Company name: UPSTOX FUNDING
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Text/Call :(302) 273-5794.
George Mason
7/11/2018 - 5:49:17 PM
Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)
Mrs Rose Larsson.
7/11/2018 - 11:26:37 AM
I am Penelope from London. I was stuck in a financial situation in May 2016 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Godly woman a private loan lender who gave me a loan of 620,000 EURO and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact norton loan firm finance Company (nortonloanfirmfinance@gmail.com).
Penelope Gabriel
7/11/2018 - 9:04:07 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/10/2018 - 2:04:57 PM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355 aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
*Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Mr. Russell Logan
+1 (704) 885-6355
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


Get your instant loan approval?
Mr. Russell Logan
7/10/2018 - 1:30:48 PM
I got my ATM card already programmed and blank to withdraw the maximum of $ 20,000 per day. I'm so happy with this because I got mine and what I used to get $ 150,000. Mr Pedro is delivering the card only to help the poor and needy, although it is illegal, but it is a good thing that it will help your financial difficulty to a change in financial level. And nobody is caught using the card because the card is well programmed and is very active. take out yours of the. Just send him an email at martinshackers22@gmail.com THIS IS 100% REAL. I AM A BENEFICIARY OF THIS. HACKER EMAIL: martinshackers22@gmail.com....
Benjamin Wallace-Wells
7/10/2018 - 3:57:33 AM
I got my ATM card already programmed and blank to withdraw the maximum of $ 20,000 per day. I'm so happy with this because I got mine and what I used to get $ 150,000. Mr Pedro is delivering the card only to help the poor and needy, although it is illegal, but it is a good thing that it will help your financial difficulty to a change in financial level. And nobody is caught using the card because the card is well programmed and is very active. take out yours of the. Just send him an email at martinshackers22@gmail.com THIS IS 100% REAL. I AM A BENEFICIARY OF THIS. HACKER EMAIL: martinshackers22@gmail.com....
Benjamin Wallace-Wells
7/10/2018 - 3:47:19 AM
If you are in need of urgent loan of any kind then you should apply for a loan from Mr Lavington , you can get various types of loan from him like

Home loan
Business loan
Student loan
Short loan
Medium loan
Long loans e.t.c

He offers loan at interest rate of 2% and with very easy loan conditions, so for you to get your loan today contact lavingtonfinance@gmail.com you can call me +18288270635

Thanks
jon
7/9/2018 - 10:45:58 PM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/9/2018 - 9:10:59 PM
If you are in need of urgent loan of any kind then you should apply for a loan from Mr Lavington , you can get various types of loan from him like

Home loan
Business loan
Student loan
Short loan
Medium loan
Long loans e.t.c

He offers loan at interest rate of 2% and with very easy loan conditions, so for you to get your loan today contact lavingtonfinance@gmail.com you can call me +18288270635

Thanks
jon
7/9/2018 - 8:42:49 PM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/9/2018 - 4:56:27 PM
Hello,

Let me take this opportunity to introduce our services.

We are United State based Financial Facilitating company with in-house team "First Commonwealth Bank” approves loans from maximum amount of 100,000,000.00 to a minimum amount of 10,000.00 and we give out our Loan in USD ($), GBP (£) Or Euro (€). Offering the requested loan amount is not a problem if you are in agreement with the loan terms and conditions and as such follow the loan procedures. High-quality Financial Solution, Mobile application development, Home Loans, Secured and Unsecured Loan, Long-SHORT Term Loan.

Contact Email: firstcommonwealthbk@aol.com
Whatsapp : +1 862-621-9274
Tel: +1 951-366-0152
Email: firstcommonwealthbk@gmail.com

Kindly let me know your requirement to apply for loan, with 2% interest rate. So I can provide you solution accordingly.

Best Regards,
Management.
FIRST COMMONWEALTH
FIRST COMMONWEALTH
7/9/2018 - 7:49:45 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/8/2018 - 11:27:19 PM
How I was able to pay my bills and restored my dying business.

My name is Carole Landon from San Francisco, California. I am here to bring to your notice and recommend you all currently in need of financial assistance to contact Jennard Investments Limited with Contact number: +1(484)292-4513, for a loan assistance. I was in great need of $72,000.00 loan amount to restore my dying business and also to pay up my bills, I contacted the for a loan assistance and I receive my loan successfully, without any delay after going through their loan process. through the help of Mr James Richard Dyson To everyone out there in need of any kind of loan i advise you contact then via email: jennardinvestmentslimited@outlook.com Thanks.
Carole Landon
7/8/2018 - 10:05:55 PM
APPLY FOR A LOAN IN OUR COMPANY

Business & Personal Loan Offer
Affordable installment loans.
Guaranteed fixed payments.
Guaranteed fixed interest rates of 2%Do you need Financial help?

Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan?
Need MARVIN INVESTMENTS LIMITED provides personal loans to individuals And Companies Body with no or less than perfect credit.
We Offer from 5,000.00 USD to 900 Million USD,

Kindly contact our front desk via below e-mail Direct all Mail to: marvininvestmentslimited@outlook.com

BEST LOAN COMPANY
MARVIN INVESTMENTS LIMITED
7/8/2018 - 5:26:35 AM
APPLY FOR A LOAN IN OUR COMPANY

Business & Personal Loan Offer
Affordable installment loans.
Guaranteed fixed payments.
Guaranteed fixed interest rates of 2%Do you need Financial help?

Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan?
Need MARVIN INVESTMENTS LIMITED provides personal loans to individuals And Companies Body with no or less than perfect credit.
We Offer from 5,000.00 USD to 900 Million USD,

Kindly contact our front desk via below e-mail Direct all Mail to: marvininvestmentslimited@outlook.com

BEST LOAN COMPANY
MARVIN INVESTMENTS LIMITED
7/8/2018 - 5:19:09 AM
APPLY FOR A LOAN IN OUR COMPANY

Business & Personal Loan Offer
Affordable installment loans.
Guaranteed fixed payments.
Guaranteed fixed interest rates of 2%Do you need Financial help?

Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan?
Need MARVIN INVESTMENTS LIMITED provides personal loans to individuals And Companies Body with no or less than perfect credit.
We Offer from 5,000.00 USD to 900 Million USD,

Kindly contact our front desk via below e-mail Direct all Mail to: marvininvestmentslimited@outlook.com

BEST LOAN COMPANY
MARVIN INVESTMENTS LIMITED
7/8/2018 - 5:14:55 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Best Loan Offer Company
7/7/2018 - 9:01:38 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
7/7/2018 - 8:24:42 AM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355 aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
*Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Mr. Russell Logan
+1 (704) 885-6355
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


Get your instant loan approval?
Mr. Russell Logan
7/6/2018 - 4:41:59 PM
IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

Leasing Price : 4%+2%
Buying Price: 32%+2%

Contact us for more details on our terms and procedure of transaction.

WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Walsh Robert
7/6/2018 - 6:44:10 AM
HOW I GOT MY LOAN

How My Credit Score Was Restored
I'm from United kingdom,I want to express my heartfelt gratitude to MARLENA INVESTMENTS LIMITED for helping me restore my credit score and my dying business by granting me a loan of $50,000 on the 11th of JANUARY 2018, after being turned down by my bank and other financial agencies I visited. I recommend everyone out there in need of financial assistance in other not to fall into the wrong hands while searching of a liable loan to contact this company via email: MARLENAINVESTMENTSLIMITED@GMAIL.COM God bless you all.


EMAIL THEM NOW ASAP.

contact:MARLENAINVESTMENTSLIMITED@GMAIL.COM
MARLENA INVESTMENTS LIMITED
7/6/2018 - 5:33:46 AM
HOW I GOT MY LOAN

How My Credit Score Was Restored
I'm from United kingdom,I want to express my heartfelt gratitude to MARLENA INVESTMENTS LIMITED for helping me restore my credit score and my dying business by granting me a loan of $50,000 on the 11th of JANUARY 2018, after being turned down by my bank and other financial agencies I visited. I recommend everyone out there in need of financial assistance in other not to fall into the wrong hands while searching of a liable loan to contact this company via email: MARLENAINVESTMENTSLIMITED@GMAIL.COM God bless you all.


EMAIL THEM NOW ASAP.

contact:MARLENAINVESTMENTSLIMITED@GMAIL.COM
MARLENA INVESTMENTS LIMITED
7/6/2018 - 5:29:11 AM
HOW I GOT MY LOAN

How My Credit Score Was Restored
I'm from United kingdom,I want to express my heartfelt gratitude to MARLENA INVESTMENTS LIMITED for helping me restore my credit score and my dying business by granting me a loan of $50,000 on the 11th of JANUARY 2018, after being turned down by my bank and other financial agencies I visited. I recommend everyone out there in need of financial assistance in other not to fall into the wrong hands while searching of a liable loan to contact this company via email: MARLENAINVESTMENTSLIMITED@GMAIL.COM God bless you all.


EMAIL THEM NOW ASAP.

contact:MARLENAINVESTMENTSLIMITED@GMAIL.COM
MARLENA INVESTMENTS LIMITED
7/6/2018 - 5:25:19 AM
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7/5/2018 - 9:32:42 PM
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7/5/2018 - 8:11:40 PM
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7/5/2018 - 7:14:27 PM

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MR GODWIN.
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7/5/2018 - 2:43:17 PM
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7/4/2018 - 8:55:20 PM
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7/4/2018 - 8:20:28 PM
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7/4/2018 - 7:59:10 PM
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7/4/2018 - 7:20:54 PM
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Mr Mark Roland
7/4/2018 - 5:42:38 PM
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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AZRA ISHAQUE
7/4/2018 - 5:52:16 AM
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MR GODWIN.
katherine
7/3/2018 - 7:45:12 PM
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H.S. Holdings LLC
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7620 Tysons Boulevard McLean, Virginia 22102-4261 United States of America
Telephone: +18573099199
E-mail: info@hshllc.net
website: www.hshllc.net
H.S. Holdings LLC
7/3/2018 - 6:50:54 PM
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7/3/2018 - 6:26:00 PM
EN590
Kuznetsov GAVRIIL Mikhailovich
7/3/2018 - 12:25:41 PM
Mr Mark Roland Paco Loan Company.

Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

Our services include the following:

1..Home Loans.
2.Business Loans
3.Mortgage
4.Refinancing Loans
5.Home Loans
6.Truck Loans
7.Personal Loans
8.Debt consolidation loans
9.Car Loans
10.Education Loans

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Mr Mark Roland
7/3/2018 - 4:01:42 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

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7/2/2018 - 10:00:44 PM
How I was able to pay my bills and restored my dying business.

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Carole Landon
7/2/2018 - 9:58:39 PM
Hello...

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* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

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Giving your world a meaning.
Mr.Favour World Loan Company
7/2/2018 - 9:45:20 PM

HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
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You can reach us on the following contact information for further inquiries on our loan program , text our office at : +1 252-585-5014
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com


Warm Regards,

Pastor Mrs Ameir Miller
Director of General Operations .


THE AMIER MILLER
7/2/2018 - 6:33:47 PM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

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+1 (704) 885-6355
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Get your instant loan approval?
Mr. Russell Logan
7/2/2018 - 1:06:41 PM
My special greetings to everyone on this Page, If you are poor or you need urgent financial assistance for any purpose kindly get your private loan from Mr Lavington today The CEO of Lavington Finance Center, He will grant you loan of any amount at interest of 3% only , to get loan from him is simple so just contact: lavingtonfinance@gmail.com
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Thanks
paul
7/2/2018 - 12:33:49 PM


I am a Broker to a Direct Mandate working with a reputable refinery, and we are to you, esteem buyers that the petroleum products you are looking for is available in our Tanks and Reservoir for immedaite lift and supply.

SUCH AS
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Kuznetsov GAVRIIL Mikhailovich
Kuznetsov GAVRIIL Mikhailovich
7/2/2018 - 3:54:46 AM


I am a Broker to a Direct Mandate working with a reputable refinery, and we are to you, esteem buyers that the petroleum products you are looking for is available in our Tanks and Reservoir for immedaite lift and supply.

SUCH AS
1) JP54
2) JPA1
3) MAZUT
4) AGO
5) LNG
6) LPG
7) D2
8) D6
9) REBCO
10) EN590

Please contact us via our official email address.

kuznetsovgavriil.mikhailovich@mail.ru

Thanks.

Kuznetsov GAVRIIL Mikhailovich
Kuznetsov GAVRIIL Mikhailovich
7/2/2018 - 3:38:09 AM
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Samsul Alam
6/30/2018 - 6:52:29 PM
Mr Mark Roland Paco Loan Company.

Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

Our services include the following:

1..Home Loans.
2.Business Loans
3.Mortgage
4.Refinancing Loans
5.Home Loans
6.Truck Loans
7.Personal Loans
8.Debt consolidation loans
9.Car Loans
10.Education Loans

We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.contact email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467
Mr Mark Roland
6/30/2018 - 4:07:28 PM
How Jennard Investments Limited Granted Me A Loan.

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Leslie Briggs Teague
6/30/2018 - 5:56:07 AM
How Jennard Investments Limited Granted Me A Loan.

My name is Leslie Briggs Teague from Alaska USA. For a long time now, I have been into some financial mess and wasn't able to get a loan from my bank and other credit union I visited due to my poor credit. But a friend of mine told me about Jennard Investments Limited and how she was helped by Mr James Richard Dyson with a loan at a very low interest rate of 3% and better repayment schedule. She advice I give it a try cause they can help me out of my financial difficulties as well. Though I never believed her because I have tried lots of lenders who could not help me out due to my poor credit. She advised I give it a try to be convinced, so I contacted them on 15th of June via email: jennardinvestmentslimited@outlook.com they took me through the loan process and granted me a loan of $55,000 as applied. To anyone out there in need of financial assistance kindly contact this company to get your loan.
Leslie Briggs Teague
6/30/2018 - 5:47:07 AM
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Samsulalamcashfirm
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Samsul Alam
6/30/2018 - 4:37:35 AM
KATHERINE LOAN LENDER.
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DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

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6/29/2018 - 3:33:16 PM
Mr Mark Roland Paco Loan Company.

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DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

Our services include the following:

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2.Business Loans
3.Mortgage
4.Refinancing Loans
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9.Car Loans
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6/28/2018 - 9:08:41 AM
HOW I GOT A LOAN @ 2% INTEREST RATE with Victoriafinancier@outlook.com

I never knew it was really possible to get loan from on line bank or lenders. I was dying in debt with lots of bills to pay for my three kids and my credit score was also very low. So, I just came online to know more about how to approach banks or take a pay day loan with low credit scores. Then i founds numerous write up and articles on different sites of how Victoria Financier Firm help people, firm and organizations with loan @ 2% interest rate. With the knowledge i got online, I contact the Victoria Financier with: Victoriafinancier@outlook.com , i explain my self. I applied for $60,000 but she approved $40,000 and it was the $40K i received in my account. The transaction process was very easy. She confirm my Identity and ensure the safety of the funds. I recommend this company to everybody. Don't die in debt before you seek for help. Write mail to the Victoria now with: Victoriafinancier@outlook.com

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6/27/2018 - 6:09:37 PM
HOW I GOT A LOAN @ 2% INTEREST RATE with Victoriafinancier@outlook.com

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*Full Name:_________

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6/27/2018 - 6:06:05 PM
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6/27/2018 - 4:29:59 PM

Loans for all kind of purpose, We offer from a minimum amount of €10,000.00 to €20 million And at a low interest rate of 2%
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Email: info.cashcraft84@gmail.com
WhatsApp Telephone:: +1 (226)4010724
(MD) INFO CASH CRAFT GP, INC.

Copyright 2018. All rights reserved.
======================================================================================================================================================
Dr.Cash Craft.

(MD) INFO CASH CRAFT LTD Credit Company information in this letter, in transmission of confidential and exclusive definition of the intended recipient (s). If this is not the recipient, you are hereby notified that unworthy definition, disclosure, dissemination, distribution (with the exception of the receiver), copying, taking unworthy action, because this information is strictly prohibited under the law.
Thomas Anderson
6/27/2018 - 2:56:14 PM

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6/27/2018 - 5:01:14 AM


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Hey Guys!!!Am so happy I got mine from Mike Fisher. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mike Fisher because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mike Fisher sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. i'm grateful to Mike Fisher because she changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. Mike Fisher email address is blankatm001@aol.com
WhatsApp +1 (712) 600 2838 )
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6/27/2018 - 4:58:05 AM
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Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

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4.Refinancing Loans
5.Home Loans
6.Truck Loans
7.Personal Loans
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6/26/2018 - 7:22:55 PM
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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

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6/26/2018 - 6:48:36 PM
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6/26/2018 - 1:11:51 PM

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6/26/2018 - 12:32:09 PM
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Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

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2.Business Loans
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4.Refinancing Loans
5.Home Loans
6.Truck Loans
7.Personal Loans
8.Debt consolidation loans
9.Car Loans
10.Education Loans

We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.contact email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467
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6/25/2018 - 12:49:40 PM
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Regards
Prof. Claude Pentecost
Phone Contact: +1(415) 322-7529
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WhatsApp Number: +19292227023
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6/25/2018 - 12:12:05 PM
We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
SuiteCapitals@gmail.com
6/25/2018 - 7:49:09 AM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

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World Best Loan Company Offer..
Mr.Favour World Loan Company
6/25/2018 - 7:46:01 AM
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We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

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We are equally ready to pay commission to those Brokers and financial
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Awaiting a favourable response from you.

Best regards
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skype: cpt_young1
Walsh Robert
6/25/2018 - 2:26:20 AM
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Walsh Robert
6/25/2018 - 2:23:10 AM
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Walsh Robert
6/25/2018 - 2:18:56 AM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you witaccble, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and dont know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Dwane Robert Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (dwanerobertloanfirm@gmail.com)


DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
RUSSELL LOGAN LOAN HOME, (dwanerobertloanfirm@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
*Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (dwanerobertloanfirm@gmail.com)

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Mr. Dwane Robert
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


Get your instant loan approval
Dwane Robert
6/24/2018 - 10:30:37 PM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
6/24/2018 - 10:21:48 PM
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6/24/2018 - 4:45:41 PM
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6/24/2018 - 2:08:50 PM
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6/24/2018 - 12:39:30 AM
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6/23/2018 - 8:36:48 PM
Hello...

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6/23/2018 - 8:22:22 PM
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Sharon
6/23/2018 - 7:09:11 PM
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Regards.

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Mr.Favour World Loan Company
6/22/2018 - 10:00:05 PM
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6/22/2018 - 8:59:38 PM
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6/22/2018 - 6:41:40 PM
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6/22/2018 - 5:29:19 AM
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6/21/2018 - 2:20:18 PM
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6/20/2018 - 7:44:03 PM
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6/20/2018 - 4:58:52 PM
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6/19/2018 - 6:54:24 PM
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6/18/2018 - 9:09:41 PM
Mr Mark Roland Paco Loan Company.

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DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

Our services include the following:

1..Home Loans.
2.Business Loans
3.Mortgage
4.Refinancing Loans
5.Home Loans
6.Truck Loans
7.Personal Loans
8.Debt consolidation loans
9.Car Loans
10.Education Loans

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Mr Mark Roland
6/18/2018 - 9:57:20 AM
Mr Mark Roland Paco Loan Company.

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DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

Our services include the following:

1..Home Loans.
2.Business Loans
3.Mortgage
4.Refinancing Loans
5.Home Loans
6.Truck Loans
7.Personal Loans
8.Debt consolidation loans
9.Car Loans
10.Education Loans

We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.contact email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467
Mr Mark Roland
6/17/2018 - 10:36:11 PM
Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an

international loan firm. It a financial opportunity at your door step We provide Business

and personal loans etc. as long as it concerns financial assistance.. Apply today and you

will get a loan from us.

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 50,000,000.00USD
* Choose between 1 to 35 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan

with us today...

All these plans and more, contact us now by email for more info.. (

favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..
Mr.Favour World Loan Company
6/17/2018 - 9:12:17 PM
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6/17/2018 - 2:50:50 AM
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6/16/2018 - 9:54:00 PM
i want to ask a question before going directly to my public announcement here. If I got a legal loan online it would be as easy as it will refer to all these built / duplicate loan testimonials that I read online, so why did my charming husband refuse to apply for a loan online five times after being scammed of 4000 euros? All that stopped when a family friend referred us to a reputable loan company known as Jackson Ben Loan Firm. I was surprised to get the amount of my loan of 45,000 euros so i know he is trustworthy and understanding.
contact them in jacksonbenloanfirm@outlook.com
marie
6/15/2018 - 11:36:04 AM
i want to ask a question before going directly to my public announcement here. If I got a legal loan online it would be as easy as it will refer to all these built / duplicate loan testimonials that I read online, so why did my charming husband refuse to apply for a loan online five times after being scammed of 4000 euros? All that stopped when a family friend referred us to a reputable loan company known as Jackson Ben Loan Firm. I was surprised to get the amount of my loan of 45,000 euros so i know he is trustworthy and understanding.
contact them in jacksonbenloanfirm@outlook.com
marie
6/15/2018 - 10:27:06 AM
DO YOU NEED AN AFFORDABLE LOAN TODAY?

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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or wh