When the Christmas festivities come around, it is a time once again for the giving and receiving of gifts between friends, family and colleagues. The way it usually works is that if you see an item that you know someone you love or like very much or something that they have wanted for a long time, then you will mull over buying it for them as a gift to be given at or around Christmas, depending where your family comes from, because not all Christian countries give Christmas presents on the same day.

However, what can you do, if you realize that you do not have enough cash to buy the gift that you think your loved one desires? What can you do about it? How should you get the wherewithal that you require? A loan is one way out of the predicament you are facing.

One of the best things about a loan is that they are variable. In other words, you can borrow just a small amount, let us say $250 and then pay it back in simple small or larger installments each month over a time period to suit yourself and the loan provider.

We are all concerned that Christmas is a very expensive time of the year for everyone, especially a family and that the family festivities and the associated bills just do not make Christmas and the following couple of months any easier to get through the period without financial concerns.

Many of us would like some extra monetary help during the Christmas holidays so that we are able to pay for all the things that we want for our friends, family and colleagues and sometimes it doubtless seems that a small cash advance is the only way to do this. Thanks to the speed with which the money arrives in your bank account, it is possible for you to apply for a loan one day and receive the money the next day.

Therefore, the whole loan process only takes a couple of days to be finalized. This allows you time to get everything done ready for Christmas. It is debatable whether it is better to worry about your family not having a good Christmas or to enter a new year with an extra debt hanging around your neck.

Neither option is a pleasant prospect and only you and your nearest and dearest know the answer, although a small loan that you can repay by the end of January is not really going to hurt anyone or cost a fortune to pay off. Just be sure that you know that you can pay it off with your next pay cheque or do not do it. Keep the amount down to what you can manage to pay for.

A cash advance can assist you through the Christmas period and allow you to feel better knowing that you have given your loved ones the presents that they have been dropping hints about. Just bear in mind to keep the loan down to what you can pay back in January, because if you know that you can pay off the cash advance fees and capital swiftly, then you will not need to worry about using one and you can enjoy the Christmas holidays with your friends and family knowing that the debt will be paid off very soon.

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With so much information available online regarding credit repair, you might begin to wonder if credit repair is possible or, for that matter, legal. In short, yes, you have the right to repair your credit and the U.S. government has even enacted laws which give you this right.

Credit Bureaus and Creditors Want You to Have Bad Credit

In the credit world, creditors and credit bureaus would like you to think that credit reporting is infallible and unchangeable. In reality, it is in their interest only for you to believe this.

If you remove the ability to collect or report debts from creditors and credit bureaus, their job security is challenged. If you go on a crusade to clean up your credit report, they lose. This is why there is so much confusion online as to the legality of credit repair.

A lending agency will never alert you to the fact that you have legal rights regarding your credit report. The Fair Credit Reporting Act (FCRA) was enacted to give you credit repair rights and allows you to dispute any negative information listed on your credit report.

Under the FCRA, when creditors and credit bureaus receive a dispute, they have 30 days to investigate the claim. Once the investigation is complete, they must report the outcome to you. Any negative entry that is not verified, must be deleted in its entirety. By following this procedure, which is also your right, you can attempt to rebuild your credit score.

Why Live With Bad Credit When You Can Raise Your Credit Score?

The FCRA protects your right to challenge any negative entry on your credit report which, if not erased, will remain on your credit report for up to 7 years. If rebuilding your credit is something you would like to try, partnering with a legal professional would be a good idea. Consider contacting a credit attorney at Lexington Law for some guidance as you begin your credit repair journey.

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Debt which is sent to collections will adversely affect your credit score. However, if your creditor seeks and is awarded a judgment, your credit score will be affected even more drastically.

Your creditor is sending a clear signal that it is through playing games if you are served with a Notice to Appear in court for a judgment proceeding. You will have 30 days from being served to object to the filing. You can have the case dismissed if you can prove that the debt is invalid.

Some creditors may threaten to file a law suit but are not serious. However, going to court will be the kiss of death for your credit score and, therefore, should be avoided at all costs.

An “unpaid” judgment will be shown on your credit report for 10-12 years. At the end of this 10-12 year period, if the judgment remains unpaid, it can be renewed. A paid judgment can be shown on your credit report for up to 7 years from the date paid.

It is wise to contact your creditor to arrange a lump sum payment or a payment plan. However, do this only after checking your state’s statute of limitations laws to determine if your debt falls within or outside of the laws. If your debt falls within the statute of limitations, you are still obligated to pay the debt and you should try to negotiate payment. Adversely, if your debt falls outside of the statute of limitations laws, you no longer owe the debt though, if you offer to make payment, you will start the clock running all over again.

If the court issues an official court order for payment of the debt, your credit score will suffer drastically. This negative mark will not show up on your credit report if you contact your creditor and negotiate a settlement prior to the entry of judgment.

Offering to negotiate a settlement is the best solution for all parties. Typically, creditors do not want to go to court and will accept a portion of the amount owed just to bring the matter to a close. If you do not have a lump sum to offer as payment, you can always attempt to negotiate a payment plan. If your creditor is not “in the mood” to consider any offers, you might think about calling the lawyer handling the case for your creditor.

Your credit report will show the debt as “legally void” if the judgment is dismissed. This is much less damaging than a “paid judgment,” which can be shown on your credit report for seven years from the date paid.

It would be best to negotiate a settlement which includes a complete deletion of all negative information from your credit report related to the transaction. If you and your creditor are able to agree, be sure to obtain a written agreement with both of your signatures. You should always remember that, once the court becomes involved, negotiating opportunites become slim to none.

You might consider hiring a good consumer credit attorney. It may cost you a little bit, however, you may find that, by having an attorney handle the negotiations, you may save money as well as minimize the damage done to your credit score.

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Many people who have credit debt have not read the correct information, so they think they have to continually make their minimum payments or a collection agency will call them and in their credit report will suffer. You can now legally and ethically get out of your credit card debt. There is no sense in you having to have a ruined credit report when there are legal options for you that you can take advantage of.

The government has created a program to help you erase your credit card debt so you do not have to file bankruptcy and have a credit report that is jaded for at least seven years. The American public should know that they can legally and ethically erase their credit card debt by at least 50% or more.

There are many people who receive notices from collection agencies and they feel that they have to pay their bills to this agency who also will charge them quite a few fees on top of the balance that they already owe. What these consumers do not realize is that they are able to get their debts erased without any recompense from their creditors. In fact their creditors have already been dealt out by the government which helps you erase your debts.

If you have past due balances that you go to your creditors the best piece of advice we can give you is for you to cut your credit cards up until you have all your balances current. This may take quite a bit of time but in the end it will be more beneficial for you to be out of debt.

If you have delinquent accounts with your creditors then it can create what we call a debt hole. There is no reason for you to get stressed over your credit card debt when the government has allowed you to erase your debts that show your creditors. Taking advantage of your creditors bailouts is something that you should do.

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