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When he couldnt pay off the second loan, Taylor took out a third. And then a fourth, and then, finally, in October 2014, commbank personal loan fifth. The loan companies were taking Taylors entire paycheck every two weeks, Taylor said, and he started working odd jobs to make extra money. He even had to write bad checks to buy groceries for himself and his mother.
Still, it was impossible to stay on top of the payments. Taylor was searching for a consolidated loan to pay off his debts when personal loans citibank usa stumbled across the Virginia Poverty Law Center, which offers free legal services to low-income state residents.
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The Implications of Non-Payment | In the case that you do not repay your loan on or before the loan due date, your loan will be considered delinquent and will be subject to a fee defined by the lender. In addition, your bank will charge you an NSF (non sufficient funds) fee for the failed item. The rate of interest will continue to grow on the unpaid balance at a rate of up to 60 per year.
In the event that you fail to repay your loan you will not be allowed to borrow from the lender again until you have paid of the balance in full.
Only reputable collection agencies that comply with all lawful collections practices are employed and the customers credit rating may be negatively impacted if payment is not made in a timely fashion.