Product Description
This digital document is an article from Law and Psychology Review, published by The Law & Psychology Review on January 1, 2009. The length of the article is 7763 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.
Citation Details
Title: A certainty of hopelessness: debt, depression, and the discharge of student loans under the Bankruptcy Code.
Author: Katheryn E. Hancock
Publication: Law and Psychology Review (Magazine/Journal)
Date: January 1, 2009
Publisher: The Law & Psychology Review
Volume: 33 Page: 151(16)
Distributed by Gale, a part of Cengage Learning
Posts Tagged ‘Under’
A certainty of hopelessness: debt, depression, and the discharge of student loans under the Bankruptcy Code.: An article from: Law and Psychology Review
Tags: article, Bankruptcy, certainty, Code., Debt, depression, discharge, from, hopelessness, Loans, Psychology, Review, Student, Under
Payday loans under fire for high interest charges.
Product Description
This digital document is an article from The Register-Guard (Eugene, OR), published by Thomson Gale on April 12, 2006. The length of the article is 1270 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
Citation Details
Title: Payday loans under fire for high interest charges.(General News)(The most common annual rate in Lane County and Portland is 521 percent)
Publication: The Register-Guard (Eugene, OR) (Newspaper)
Date: April 12, 2006
Publisher: Thomson Gale
Page: E1
Distributed by Thomson Gale
60-Minute Loan Modification: How to Modify Your Mortgage Fast and Correctly; or Loan Modification Do-it-Yourself Under One Hour!
Product Description
GET YOUR LOAN MODIFICATION APPLICATION DONE NOW! Every day counts, so take action immediately! This free-money-mortgage-modification bonanza will NOT last forever. This loan modification guide is designed to show you exactly how to rapidly apply, submit and receive a mortgage modification with less than 1-hour work! The last thing you want to do is read a textbook, so this guide is organized so readers can fly through it, reading only the sections that pertain to their particular situation. Homeowners can crank out a breathtaking application in the shortest possible time (while having all the facts to reference, should the need arise.) You will learn: -What to do if you lied about your income on your original loan application. (Join the club and see pg. 19) -Not sure if you qualify for a loan mod? (Find out in 2 minutes flat. See Chapter 2, p. 27) -Are loan modifications really worthwhile? (Savings projections on pgs. 16, 19 ,66, 67) -How a mortgage modification will affect your credit (FICO) score. (See pg. 21 & Chapter 9) -Considering a refinance instead of a loan mod? (Bad idea. Learn why on pg. 7) -Confused about Debt-to-Income Ratio (DTI)? (Straight facts on pgs.28, 31, 40, 52, 54) -Do I just stop paying my mortgage? (Maybe. See pg. 22) -What about RESPA and TILA violations & fancy ‘Forensic Loan Audits?’ (See pgs. 24, 34) -How to write your Hardship Letter in 6 minutes. (See pgs. 42-51) -What should my income be…not too high or too low? (See pg. 51-54) -Have you heard that your credit score does not matter? (You’re right. Learn why on pg.28) -Want to bump your FICO Score back up to 700+ post loan mod? (Learn how in Chapter 9, pgs. 74-81) -How to “stall” foreclosure? (Produce the Note Strategy – works for some p. 27)
Tags: 60Minute, Correctly, DoItYourself, Fast, Hour, Loan, Modification, Modify, Mortgage, Under
Loan pricing under Basel capital requirements
Product Description
This digital document is a journal article from Journal of Financial Intermediation, published by Elsevier in 2004. The article is delivered in HTML format and is available in your Amazon.com Media Library immediately after purchase. You can view it with any web browser.
Description:
We analyze the loan pricing implications of the reform of bank capital regulation known as Basel II. We consider a perfectly competitive market for business loans where, as in the model underlying the internal ratings based (IRB) approach of Basel II, a single risk factor explains the correlation in defaults across firms. Our loan pricing equation implies that low risk firms will achieve reductions in their loan rates by borrowing from banks adopting the IRB approach, while high risk firms will avoid increases in their loan rates by borrowing from banks that adopt the less risk-sensitive standardized approach of Basel II. We also show that only a very high social cost of bank failure might justify the proposed IRB capital charges, partly because the net interest income from performing loans is not counted as a buffer against credit losses. A net interest income correction for IRB capital requirements is proposed.
Free Yourself from Student Loan Debt: Get Out from Under Once and for All
Product Description
An estimated seven million Americans have accumulated nearly $81 billion in student loan debt over the past 30 years. Not all of these borrowers are fresh out of college; many are in their late 20s, 30s, and even 40s. Indeed, the amount of student loan debt facing Americans is pervasive, if not problematic.
Fortunately, a number of creative ways exist to pay off this financial burden that, for many, goes on for years and years. In Free Yourself from Student Loan Debt, business writer Brian O’Connell outlines the best ways to do just that-as quickly and painlessly as possible. He guides readers through often overlooked but perfectly legitimate loan management techniques, including how to:
• “Consolidate” loans for easier (and lower) payments.
• Defer loans with no penalty.
• Take a “break” from student loans through a mechanism called forbearance.
• Get out of default status by making as few as six minimum payments.
• Fix problems that result when a loan isn’t paid, with no lasting impact on credit or finances.
• Convince financial institutions to “forgive” loans.
• Fight the government and financial institutions that claim student loan debts weren’t paid years after they were.
With wit and wisdom, O’Connell backs up his guidance with case histories, anecdotes, information boxes, sidebars, and colorful industry profiles-all packaged together in one lively, user-friendly book. As a bonus, he offers 50 surefire tips to eliminating student loan debt.
Free Yourself from Student Loan Debt: Get Out from Under Once and for All
Tags: Debt, Free, from, Loan, Once, Student, Under, Yourself