Nick Gallo

Nick Gallo is a Certified Public Accountant and content marketer for the financial industry. He has been an auditor of international companies and a tax strategist for real estate investors. He now writes articles on personal and corporate finance, accounting and tax matters, and entrepreneurship. Find out more at NickAlexGallo.com.

Debt Avalanche vs. Debt Snowball: Which Method is the Better Debt Repayment Strategy?

Paying off debt can be one of the biggest challenges in all of personal finance. Credit cards, student debt, and payday loans are all designed to trap you in a loop of endless minimum payments. But as long as you stay disciplined, it is possible to escape. All you need is the right debt repayment …

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Virginia Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2023]

Payday loans help people with bad credit get fast cash. Unfortunately, so many state regulations allow such high finance charges and short repayment terms that the loans often trap borrowers in a cycle of debt. If you’re considering taking out a payday loan in Virginia, here’s what you should know about the Virginia payday loan …

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How Do Payday Loans Affect Your Credit Score? What You Need to Know

Payday loans are almost always a poor decision. They’re ridiculously expensive, often predatory, and consistently trap borrowers who are already struggling. But how do payday loans affect your credit score? Typically, they only impact your score when you fail to pay them back on time. Unfortunately, this is far more likely to happen with payday …

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New Jersey Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2023]

Payday loans are short-term loans with no credit check that unqualified borrowers can use in emergencies. However, they’re highly controversial since their high finance charges often create more problems for borrowers than they solve. As a result, each state regulates them differently. Here’s how the New Jersey payday loan laws work. Stuck in payday debt? …

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Kentucky Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2023]

Payday lending is still running rampant in many parts of America. State governments have the authority to prohibit the industry within their borders, and unfortunately, many still have yet to find it necessary. Though many Americans recognize and appreciate the damage that payday lenders frequently do to their borrowers, there’s still controversy over whether the …

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