The fair debt collections act which you download or view here in PDF is a Federal Statute (formal written enactment of a legislative authority) that stipulates your rights as a borrower. Just because you have outstanding debts you are not paying (or unable to pay) does not mean you can be harassed by a collection [...]

An unsecured loan is a loan whereby the borrower does not have any collateral of any kind on the note. There are also unsecured credit cards, which mean the creditor is entrusting the borrower to pay back all of the monies owed on the credit approved. An unsecured loan is always approved at a higher [...]

It does seem rather strange that we would have to define and describe what a Prime Rate is, what it is worth mentioning quickly. Whatever the prime rate is at any particular time weighs on the entire market, businesses, and individuals like you living in Ohio who needs a loan for their small business or [...]