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"Hi, Mary. My name is Ethan, Ethan Foster, and I'm calling from InstaLoan. And this call citifinancial personal loan interest rate regarding the loan application which you put online. It has been successfully approved by our company as a personal loan.
" "This message is intended for Mary Kettler. Mary, the very second you receive this message, I need your urgent attention to return the call. My name is Tom Watson.
" For months, I got dozens of calls. Many of the callers had strong foreign accents. One caller, who said his name was Kevin, told me that Mary had been approved for a loan of up to 5,000 - 10 times what I initially asked for.
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If you are struggling to pay your bill: Ask your creditors for more time. Find out what they charge for late payments, citifinancial personal loan interest rate charges or interest rates since it may be lower than what you might end up paying for a payday loan. Work with a community development credit union or a non-profit financial cooperative, which may provide affordable small-dollar loans to eligible members.
Ask for a salary advance from your employer, or borrow from family or friends. Consult social service agencies, they may have programs to help with food, housing and home heating costs. To stop recurring bank account debits to a payday lender, take the following steps: Contact your bank or credit union and provide an oral or written request to stop payment to the payday lender.