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20 Effective Interest Rate (Annual): 12-month term: 25. 60 18-month term: 25. 74 24-month term: 25. 59 30-month term: 25. 33 36-month term: 25. 03 Processing Fee: PHP 1,500. Tenure: 6, 12, 18, 24, 30, or 36 months. Mode of Payment: Automatic debit from borrowers BPI deposit account. Terms and Conditions: Loan Amount: Minimum of PHP 20,000.
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(See this post for information about how bankruptcy affects a real bad check. ) I have learned to ask prospective clients specifically about payday loans. Many people seem to assume that bankruptcy will not resolve such loans.
You should advise your bankruptcy lawyer about those loans, and discuss how to handle them. The other issue to be dealt with is the fact that there is someone out there personal loan rates maine access to your bank account, and what we need personal loan rates maine do about that. It may be that once you file bankruptcy (or even if you dont) the lender will never try to negotiate the check.
After bankruptcy, they are prohibited from doing so. But it still happens occasionally, and while the law offers remedies, in my opinion this is one case where an ounce of prevention is worth a pound of cure. Closing your bank account is one answer, but since banks check credit reports to open new accounts, I recommend that a new account be opened before the old one in closed, just in case.