Georgia Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2021]

By Jake Hill | Mar 29, 2021 | Comments Off on Georgia Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2021]

Statistics updated as of: February 10th, 2021 Payday loans are still alive and well in many parts of America. Across the country, 12 million people still use them each year. Because each state government has the power to regulate the industry within their borders, there are 50 distinct rulesets that range from complete prohibition to …

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The DebtHammer Newsletter: Issue #2

By Nick Gallo | Jan 18, 2021 | Comments Off on The DebtHammer Newsletter: Issue #2

Lawmakers press forward as the battle continues. Payday lenders have been under fire for years now. Most of America’s left-leaning states have long seen the industry’s excessive interest rates as immoral, and the red states are increasingly coming around to that same point of view. Ironically, payday lenders’ transition to the internet seems to have …

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Free Credit Repair: The Definitive Guide to Fixing Bad Credit Yourself

By Nick Gallo | Jan 18, 2021 | Comments Off on Free Credit Repair: The Definitive Guide to Fixing Bad Credit Yourself

Bad credit is like a shackle around your ankle. It can make getting a decent loan, buying a car, and even renting an apartment more difficult. Even the worst credit scores are salvageable, though. It’ll take some time, research, and discipline, but fixing bad credit is always possible. You don’t need to hire a credit …

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Tribal Payday Loans: Everything You Need to Know

By Nick Gallo | Jan 13, 2021 | Comments Off on Tribal Payday Loans: Everything You Need to Know

The payday loan industry is notorious for its predatory practices and tendency to disregard the law. Federal and state governments alike have attempted to rein in payday lenders to protect consumers, especially since most payday loan borrowers ended up regretting their payday loans. Lawmakers had some success, limiting interest rates to reasonable levels in many …

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Credit Counseling: Your Definitive Guide

By Nick Gallo | Jan 13, 2021 | Comments Off on Credit Counseling: Your Definitive Guide

Debt relief services are like weight-loss services. Many of them are worthless, and some are outright scams. But borrowers who need help with their debts can’t afford to waste any of their limited cash flows. Fortunately, credit counseling is one of the few reliable sources of affordable financial help. This guide will discuss how it …

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How Much Should I Spend on Rent? (How to Find Your Number)

By Nick Gallo | Jan 12, 2021 | Comments Off on How Much Should I Spend on Rent? (How to Find Your Number)

Paying rent never feels good. But if you’re consistently upset about the amount left in your bank account afterward, you may be wondering: Is this normal? How much should I spend on rent? Most people probably experience a similar feeling. Studies show that, on average, the three largest expenses are housing, food, and transportation costs. …

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7 Best Ways to Find Cash Fast When You’re in a Pinch

By Nick Gallo | Jan 12, 2021 | Comments Off on 7 Best Ways to Find Cash Fast When You’re in a Pinch

There’s no shortage of advice online about ways to find cash fast. Not having enough money is an almost universal problem, and everyone is looking to solve it one way or another. Unfortunately, a lot of the suggestions you’ll find are more trouble than they’re worth. Some cost too much money upfront, some take too …

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How Do Secured Credit Cards Work? How Are They Different From Unsecured Cards?

By Nick Gallo | Jan 11, 2021 | Comments Off on How Do Secured Credit Cards Work? How Are They Different From Unsecured Cards?

Credit cards come in all shapes and sizes. Well, most of them are roughly 7-square-inch rectangles, but they do have very different qualities. In particular, secured credit cards work differently from their unsecured counterparts. There are pros and cons to both types, and which one you need will depend on your credit scores and intentions …

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Are Payday Loans Fixed or Variable? (What You Need to Know)

By Nick Gallo | Jan 8, 2021 | Comments Off on Are Payday Loans Fixed or Variable? (What You Need to Know)

Payday loans are a notoriously expensive form of borrowing. But their Annual Percentage Rate (APR) is often unclear at first glance. Many payday lenders express their costs as a flat fee instead of an interest rate. That raises questions like: Are payday loans fixed or variable? What is their real interest rate? Find the answers …

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What is a Payday Alternative Loan (PAL) and Why are They Better Than Payday Loans?

By Kurtis Kendall | Jan 8, 2021 | Comments Off on What is a Payday Alternative Loan (PAL) and Why are They Better Than Payday Loans?

Payday loans are dangerous forms of credit that often take advantage of people at their lowest. Taking one out can easily cost borrowers much more than they originally borrowed and trap them in a cycle of debt. Instead, consider a payday alternative loan (PAL), a better option for meeting short-term financial needs. What is a …

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