chúng tôi bắt đầu necess-by-bước ctions instru hình thức và bước làm việc bão, chúng tôi đã k thế giới bởi mputers, n cá nhân đồng ng Trust Maker Maker và Livi Trong những năm 80, whe bệnh e cũng AMS như W ts và byte W veloped progr của tất cả những bi và | ASSESSING YOUR DEBT SITUATION 1 7 unions to negotiate if you have trouble paying. Furthermore loans from finance companies may be viewed negatively by potential creditors who see them in your credit file. They often imply prior debt problems. Tax Refund Anticipation Loans Although getting a tax refund fast is often a good way to get quick cash you should probably avoid a tax refund anticipation loan. A tax refund anticipation loan is a loan offered by a private company for the period of time between the day you file your tax return and the day you get your refund from the IRS. The amount of the loan is equal to the amount of your anticipated refund minus the loan fee which is often quite high minus the fee for electronic filing and minus the tax preparation fee. For example if you expect a tax refund of 500 the company might charge you 75. You will get only 425 of your 500 refund. It is usually better to be patient and wait for your refund rather than pay the high fee for a tax refund anticipation loan. In most cases you can file your return electronically or by fax and get the money quickly. For more information on how to get a refund sooner and for answers to other tax questions contact the IRS at 800-829-1040 voice 800-829-4059 TDD or visit its website at . Payday Loans The payday loan industry is growing fast. In many states these loans are illegal. In others lenders may offer a similar type of loan but call it something else. Either way think twice before you get one of these loans. A payday loan works like this You give the lender a check and get back an amount of money less than the face value of the check. Some lenders offer an alternative automatic debit arrangement. For example if you give the lender a check for 300 it may give you 250 in cash and keep the remaining 50 as its fee. The lender holds on to the check for a few weeks often until your payday . At this time you must pay the lender the face value of the check 300 allow the lender
