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Florida Office of Financial Regulation #interest #loan #calculator

#payday advance loans

Payday Lenders (Deferred Presentment Providers)

A payday lender provides a short-term loan in exchange for a person’s check and a fee. The lender agrees to hold the check for a period of time before depositing it.

In Florida, the Florida Office of Financial Regulation’s Division of Consumer Finance regulates payday lenders. You can verify a license or file a complaint on the OFR website or call (850) Its Your Money (850-487-9687), if you have additional questions.

Consumers who take out a payday loan from a licensed lender are entitled to the following protections under Florida law:

  • A borrower may borrow up to $500 per loan.
  • A borrower may only have one outstanding loan at any time. This is tracked through a statewide database of all loans taken out.
  • The maximum fee is 10 percent of the amount borrowed plus a $5.00 verification fee.
  • The loan term cannot exceed 31 days or be less than 7 days.
  • Certain contract terms that limit a borrower’s rights are prohibited.
  • A borrower must pay a previous loan in full and wait 24 hours before entering into another loan. This period is designed to prevent loans from being rolled over into new loans and to give consumers the opportunity to consider other financial alternatives.
  • If at the end of the loan term, the borrower is unable to pay the loan in full, the loan provider must provide a 60-day grace period without additional charge. The grace period is dependent upon the borrower making an appointment with a Consumer Credit Counseling Service within 7 days and completing the counseling within the 60-day grace period.

Remember, Before You Take Out a Payday Loan:

  • Consider alternative solutions
    • Ask about delaying or making payment arrangements on your non-interest bills such as telephone and utility bills.
    • Talk to a friend or family member about borrowing money.
    • Ask your employer for an advance on your paycheck.
    • Set aside savings each month for future emergencies.
  • Verify a license on the OFR website or by calling (850) Its Your Money (850-487-9687), option 1.
  • Especially be careful to check the license if the payday lender is doing business online. Dealing with unlicensed Internet companies makes it difficult to resolve potential problems, and these companies may be located outside the United States.
  • Be wary of other short-term products that mimic payday loans, such as installment loans, open-ended lines of credit and auto title loans, which may use automated clearing houses or electronic transfer every two weeks.
  • Comparison shop for the lowest fees and penalties.
  • Borrow only what you can afford to pay back.
  • Know when your payment is due and be sure to repay the loan on time and in full.
  • Take advantage of local non-profit organizations across Florida that are available to help you with your financial situation. Many of these organizations offer help with budgeting, credit repair, debt repayment and more. Contact your local consumer credit counseling service, asset building coalition or United Way.
  • Set up a budget. Plan for the future by making a realistic budget to help avoid the need to borrow for emergencies and unforeseen expenses. Free budgeting worksheets are available on

Cleveland Regional Loan Center – Cleveland Regional Benefit Office #fast #loan

#how to get a loan

Cleveland Regional Benefit Office

Cleveland Regional Loan Center

Our Services

The Cleveland Regional Loan Center (RLC) is one of eight VA regional loan centers (RLCs) administering VA s Home Loan Guaranty program, which helps Veterans obtain mortgage loans from private lenders by guaranteeing a portion of the loan against loss. In administering VA Home Loan Guaranty benefits, the RLC is the direct contact for the lending, appraising, and building communities and for Veterans with questions or concerns about their home loan benefit. The RLC trains and oversees the program s private-sector stakeholders and conducts outreach to the housing and Veteran communities. RLC staff also work with loan servicers to help Veterans avoid foreclosure and assist service-disabled Veterans with applying for VA s Specially Adapted Housing benefit.

We serve the estimated 5.5 million Veterans in our 13-state jurisdiction of Connecticut, Delaware, Indiana, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.

The Cleveland RLC offers a variety of training opportunities for stakeholders involved in VA Loan Guaranty programs, including lenders, real estate professionals, and appraisers.

Resources are available to help lenders, real estate professionals, and appraisers better serve Veterans.

Direct Loans at Mercer University Office of Student Loans #housing #loan #eligibility #calculator

#federal loan consolidation

Direct Loans

E-SIGN Directions

  1. You may complete an electronic Master Promissory Note on the Web by using your U.S. Department of Education issued PIN number at . 
  2. If you do not have your PIN number, please visit to obtain one. Please note that when you log on, your birth date should be entered in the following format: mm/dd/yyyy- Please include the dashes.
  3. After obtaining your PIN number navigate your browser to and click one of the options below to E-sign your Promissory Note:
    1. Complete New MPN for Student Loans (student ONLY applying for Subsidized, Unsubsidized, or GRAD PLUS Loan)
    2. Complete New MPN for Parent PLUS Loans. IMPORTANT NOTE: You and your parent must both sign the Promissory Note with your U.S. Department of Education issued PIN numbers.
  4. Follow the step by step instructions and be sure to choose “Mercer University Main Campus” as the Institution of record.
  5. Print your completed Master Promissory Note borrower copy to keep for your records.

Your loan cannot be finalized until this requirement has been fulfilled. If, for some reason, you need to sign a paper promissory note, we can provide one upon request. However, please be aware that this may delay receipt of your funds.

Contact Information

Please contact Direct Loans Applicant Service Line at 800-557-7394 for step by step instructions on completing your online Master Promissory Note or if you have any questions or experience any problems with the Direct Loan website.

Should you have any questions about the E-signature process contact the Student Loan Office at 800-637-2378.

Financial Aid Disbursement

Please refer to the instructions that accompanied your award notification regarding disbursement procedures or call your Financial Planning Office at:

Med School (478) 301-2853

You can also click here to get more information about the Federal Financial Aid process.

Direct Loan Program

The Mercer University Student Loan Office does not service Direct Loans once they are in repayment status. This includes all Stafford Subsidized, Unsubsidized, Parent Plus and Graduate Plus loans. These loans are serviced by the Department of Education. Please click here to proceed to the Department of Education website in order to obtain Direct Loan information and/or request deferments or call Direct Loan Servicing toll free at 800-848-0979.

Direct Loan Consolidation

A Consolidation Loan allows you to combine one or more of your federal education loans into a new loan that offers you several advantages such as one monthly payment, flexible repayment options, and reduced monthly payments. Please click here for additional consolidation information.

Access Your Loan Information

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s (ED’s) central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of ED programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants so that recipients of Title IV Aid can access and inquire about their Title IV loans and/or grant data. Please click here to proceed to NSLDS website.

Loans – The Office of Student Aid #college #loan

#federal loans

Federal Direct Stafford Loan

The Federal Direct Stafford Loan is available through the William D. Ford Federal Direct Loan Program to help pay for educational expenses. The Penn State Office of Student Aid awards Stafford Subsidized or Stafford Unsubsidized Loans, or a combination of both, based on financial need.

Federal Direct Parent PLUS Loan

You may need funds in addition to your student’s Stafford Loan to pay for your student’s education. The Federal Direct Parent PLUS Loan is available to parents of dependent undergraduate students.

Federal Direct Graduate PLUS Loan

As a graduate or professional student, you may need to borrow more than the Federal Direct Stafford Loan to pay for your education. The Federal Direct Graduate PLUS Loan can help.

Federal Loan Repayment: Who to Call

A partial list of federal loan servicers.

Private Alternative Loans

Private alternative loans are managed through private lenders, issued in the student’s name, and require a co-signer. Eligibility, rates, terms, and conditions vary.

Federal Perkins Loan

The Federal Perkins Loan is for undergraduate and graduate students and offers a 5 percent fixed rate with no origination fees.

Student Loan Information – Palomar College Financial Aid OfficePalomar College Financial Aid Office #loan #agreement #template

#student loan information

Student Loan Information

Palomar College participates in the William D. Ford Direct Loan Program, administered by the US Department of Education.  Direct student loans are low interest loans to help pay for the cost of a student’s education after high school.  William D. Ford loan funds are borrowed directly from the federal government, not from banks.

While we neither promote nor advocate student loans, we do provide information on the process and the rights responsibilities that accompany obtaining both subsidized and unsubsidized student loans to interested students.  It is our hope that the information on this site will help you make an informed decision about borrowing student loans.

IMPORTANT: Loan funds are borrowed money that must be repaid with interest. Remember, you must repay the full amount of your loan(s) even if you don’t complete your education program, can’t find work related to your area of study or are dissatisfied with the education or services you received from your school(s). Defaulting on a student loan has serious negative consequences for the borrower.

How to Consolidate Loans – The Office of Student Aid #loan #payment #calculator

#consolidated loans

How to Consolidate Loans

About how an approved agency pays off your existing loans and creates a single new loan.

The basics

Consolidation is the process by which an approved agency pays off your existing loans and creates a single new loan. In essence, you refinance your education debts.

After you graduate or are no longer enrolled at least half-time. you may want to consider consolidating your loans to avoid multiple monthly payments. However, consolidation is not always the best option, as you may lose deferment privileges, and federal death and disability benefits, while paying back more in interest over time.


Typically there are no prepayment penalties.

Federal consolidation loans do not have fees .

A reduced monthly payment with an extended loan term.

Fewer bills to manage various repayment options:

  • Standard repayment—you pay a fixed amount each month until your loan is paid in full.
  • Extended repayment—allows you to extend loan repayment over a period of 10 to 30 years, depending on your loan amount.
  • Graduated repayment—allows you to make smaller payments at first, and larger payments later. This is a good strategy for students who cannot make large payments immediately after graduation. Payments start low and increase every few years.
  • Income contingent repayment—your monthly payment is based on your yearly income, family size, and loan amount. Your payments rise and fall with your income. After 25 years, any remaining balance on the loan is forgiven, however, you may have to pay taxes on the amount forgiven. Payments may never exceed 20 percent of your discretionary income.
  • New Income-Based Repaymen t is now available—your monthly payment is based on your annual income. You must have a partial financial hardship to enroll.


You may lose deferment options.

More interest over time if you choose not to prepay your loan.

Possible loss of payback benefits from current lenders (i.e. interest rate reductions for submitting on-time payments).

To consolidate federal student loans

Consolidation is available to most borrowers of federally funded educational loans. A new Special Direct Consolidation Loan has been made available.

To qualify for federal loan consolidation, borrowers must:

  • Be in their grace period OR currently repaying their educational loans
  • Not be more than 90 days delinquent on educational loan payments

You may also want to contact your lender or servicer to discuss other repayment options. If you do not know your lender(s), access your federal loan information through the National Student Loan Data System (NSLDS) .

To consolidate private alternative student loans

Most lenders do not consolidate private loans together with federal loans. Review the terms and conditions associated with each loan program before you apply. Alternative lenders may require you to be in active repayment before you can apply. You may want to contact your private alternative lender, if not listed, to find out if they offer a consolidation loan.

For more information on private alternative loan consolidation and lender options, please visit

For more information on consolidation, visit:

West Palm Beach Bankruptcy Attorney #law #firm, #law #office, #legal #advice, #lawyer, #attorney, #lawyers, #west #palm #beach #bankruptcy #lawyer, #chapter #13 #bankruptcy


Bankruptcy Attorney Lake Worth, Fl.

Do you need a potential debt free fresh start? If so, you need to file a Chapter 7 bankruptcy and put a stop to the harassing calls, stop wage garnishment and other lawsuits being currently filed against you. Chapter 7 is considered the simplest type of bankruptcy, where you come out with the best chance for a fresh start. I am an experienced Bankruptcy Attorney Lake Worth, Fl.

West Palm Beach Chapter 13 Bankruptcy Attorney

Chapter 13 bankruptcies on the other hand allow debtors to reorganize the debt and like Chapter 7 bankruptcy, it may totally erase or greatly reduce many types of unsecured debts. However, under a Chapter 13 bankruptcy you are required to repay a portion of your debts through a debt repayment plan which is supervised by the court.

Foreclosure Defense Attorney near Boca Raton

Facing foreclosure can be a scary situation for you and your family. As an experienced Palm Beach foreclosure defense attorney in Lake Worth. I want you to know that you do not have to lose your home just because you fall into foreclosure. Let our aggressive foreclosure defense legal services put a stop to it!

Mortgage Loan Modification Attorney

Not all loan modification attorneys are the same. Although most lenders utilize the same applications and request the same documentation from borrowers, experienced loan modification attorneys can best serve your needs. Because your documentation is time-sensitive, it is crucial that you see a professional as soon as practicable to direct you through the process.

Small Business Services, Formation and Compliance

It does not take a rocket scientist to form a corporation with a simple form and a filing fee to the State of Florida, Division of Corporations. The question is where do you go from there? Let our office help you make a determination regarding which corporate vehicle best suits your purposes and reduces your risk and liability.

Lake Worth Bankruptcy, Debt Relief and Small Business Attorney

My name is Alberto H. Hernandez and I am a debt relief attorney practicing in Palm Beach County and the rest of the Tri-County area of Florida, who seeks to help people with issues relating to debt collection, car repossessions, loan delinquencies, credit card debt, garnishment of wages and bank accounts, and foreclosure defense. I also help folks who want to form a company, those who need advice on corporate compliance and purchase and sales of businesses. I have been an attorney working in South Florida since 1991 and I have seen my share of cases and folks with stressful situations brought about by loss of job, medical problems, divorce or separation and other dire circumstances. Forming a new business and complying with the law can also be stressful.

If you are on my website it is probably because you or your company are now being harassed by creditors, have received a lawsuit summons and complaint, and/or are now overwhelmed by debt. You may also be apprehensive about taking the step to begin a business. The truth is, I can almost always help you with your financial problems whether they are business or personal. At minimum, I can point you in the right direction for your circumstances. Whether I can advise you to file bankruptcy to lessen your financial burden or suggest a way to negotiate with your creditors, you can only get informed if you take an affirmative step forward.

The key is to set up an appointment as soon as possible so that I can listen and learn about your particular situation. There is no obligation and the consultation is free. Let me provide you with compassionate debt relief solutions and alternatives so that you can obtain peace of mind in due course. I am a seasoned Bankruptcy Attorney in Lake Worth, Fl. willing to work with you in order to get you out of debt in a way that protects you!

West Palm Beach Bankruptcy Attorney Alberto Hernandez P.A. 2017 all rights reserved – designed by Florida Web Design powered by Miami Search Engine Optimization

Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


Uncontested Divorce Program

Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

You can use this program if:

  • You and the person you want to divorce are over 18 years of age,
  • You and the person you want to divorce have no “children” under 21 years of age ,
  • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
  • All marital property issues, including debt, have been settled.

Information Checklist

You will need the following information with you when you use this program:

  • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
  • A copy of your marriage certificate.
  • If you have any of the following: Settlement Agreement, Order of Protection, etc.
  • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

Download and print the checklist of information you will need to complete this program.


Note: You will be taken to our partner website called LawHelp Interactive.

You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

About DIY Forms

Who Can Use These Programs?
You can use DIY Forms if:

  • you’re a court user and you don’t have a lawyer;
  • you’re a legal services provider;
  • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
  • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

Computer Requirements
In order to use DIY Form programs, make sure you have the following:

Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

Help Using DIY Forms
See Frequently Asked Questions for help using DIY Form programs.

Related Information:

Steel Pipe Bollards MA CT RI #mid #city #office #supplies


Steel Pipe Bollards MA CT RI

Originally, steel pipe bollards were made for maritime use, and were used where large ships would dock for mooring. History tells us that steel pipe bollards were first used outside of limited dock applications in the 1600 s. They were designed to look like upended canons and were used as town markers or to mark boundaries. Since that time, people have found many different uses for steel pipe bollards. Bollards are now used to protect buildings, prevent traffic from crossing over boulevard divides and to protect pedestrians in walkways from vehicular traffic.

Today we see them everywhere, from the mall to hotels, small town communities and large metropolises.

Steel pipe bollards are used to direct traffic in parking garages and lots. They restrict parking and help guide vehicles through confusing through ways and rotaries. In some situations, steel pipe bollards can even be used to mark pathways, walkways and add a professional touch to office buildings. There are many, many uses for steel pipe bollards in many different industries, including industrial, commercial, residential, municipal and educational.

We offer Surplus Pipe as well as New Pipe Bollards

Surplus pipe should not be confused with used material. When a steel mill manufactures pipe, it must conform to a standard size for it to be considered new. Usually that size is 20 or 21 feet in length depending on the diameter. Because of various factors during the manufacturing process, some lengths end up being short by as little as few inches all the way up to being short by a few feet. Those shorter lengths are considered surplus and are often remelted and added to the next manufacturing run.

Because of our close relationship with manufactures, Mid City Steel is able to purchase surplus 6 schedule 40 pipe at a discount that we can then pass on to our customers. This pipe meets all safety standards and customers can be comfortable knowing that although they are saving money, they are not compromising quality. Request Inventory Code: USP600280 for the best pricing on your order for Surplus 6 inch Schedule 40 Pipe. Quantity Discounts apply. All pipe custom cut to size.

If you require other sizes or galvanized bollards, Mid City Steel also has new pipe in stock at competitive prices. Contact Mid City Steel direct for more information.

Common Sizes and Types of Bollards

Typically, the bollards that we see used in these situations are what is known as a fixed. They are basically thick steel pipe buried in the ground. A metal bollard painted to either match, blend in or stand out against its intended surroundings. They are usually 4 inch, 6 inch, or 8 inch in diameter and 36 inches high, but can come in a variety of heights and widths, depending on the needs and requirements of the project. Most steel pipe bollards are installed using concrete into the ground. They can be installed in landscaped areas, parking lots, alongside sidewalks and in asphalt roadways.

Some are left open, but many are capped with a flat, angled or domed cap to prevent debris from collecting. Another common technique is filling and doming the bollard with concrete.

Why Mid City Steel is the Best Place to Get Steel Pipe Bollards

With locations in Westport, Massachusetts and Bozrah, Connecticut, Mid City Steel makes it easy for contractors, construction businesses, landscapers and architects to obtain steel pipe bollards, as well as other types of steel products and materials for residential, industrial, municipal or commercial properties.

With a variety of options and locations available to choose from, Mid City steel makes it easy to get all of the materials, products and supplies you need for your next project no matter how large or small. From parking lots to commercial properties, industrial applications to residential projects, Mid City Steel is your best bet for quality and services in New England. Contact Mid City Steel direct for hours, directions and location information.

Every company that utilizes heavy equipment is familiar with wear parts and the need to maintain their operation. Whether it s an excavator bucket, truck bed, friction lining, or custom shaped part that wears out on a regular basis, Mid City Read More »

When it comes to purchasing steel from your local New England steel service and supply center, it is important to have a comprehensive understanding of the terms that are used within the steel industry, so you will know exactly what you Read More »

When it comes to creating, installing, and maintaining commercial and professionally landscaped residential areas, steel is the only material that should be considered for edging. Mid City Steel offers steel landscape edging which provides a lasting landscape edging for lawns, gardens, Read More »

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Answering Services for Business, Business Telephone Answering, Virtual Office Phone Answering #answering #services #for #business, #business #telephone #answering, #virtual #office #phone #answering, #answering #services #for #small #businesses, #virtual #answering #service


Telephone Answering Service – Personalised For Your Business

Your Bright, Intelligent and Award Winning KBVO PA’s Become Part of Your Team!

When people call your company telephone number you want them to receive immediate and professional customer service, from staff they know and recognise. Whether you need your PA to answer questions, take down information or interact with your potential customers, your KBVO PA is there to help for all your requirements. By understanding your business and your expectations of a telephone answering service. we are able to take exceptional care of your calls at all times or just when your phone is engaged or unanswered.

Your KBVO PAs are highly trained and experienced, and able to deal with any situation as they happen. Being friendly and professional in all scenarios ensures a great impression of your business and the quality of your messages. We work hard at this all day, every day. With your dedicated PAs answering your calls, you and your team can focus on growing your business.

It is so important to create the right impression for your business with your own personal telephone answering service.

  • Same PAs always answer your calls as part of “your team”, with a smile!
  • Your PAs will know you, your team and your company, your diary, holidays etc. etc.
  • You don’t miss any more enquiries, orders or appointments.
  • Your PAs will call out on your behalf (e.g: change appointments, relay messages etc.)
  • Your PAs have a wealth of experience to assist you and your business in your industry!
  • Your messages are relayed instantly by SMS, email or transferred to your mobile or landline
  • Daily message summaries sent at the end of each day to ensure you have dealt with your messages
  • Quality of Service, Money Back Guarantee

(See services for the full range of telephone answering service and virtual office solutions)

Call now for your completely FREE, no-obligation Tria l of our professional Telephone Answering Service in the UK – Freephone: 0800 083 2223