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I am finding conflicting information. Does anyone know what the maximum interest rate one can be charged for a typical personal loan? This is a personal bank loan. Thanks!

My wife and I had gotten a BestBuy credit card with 0% interest for 18 months. We didnt get it paid off in time so the interest has piled up on us now and the monthly minimum payment is $100 which is interest alone. My question is, does HSBC turn accounts over to collections? Also, if this happens, will the interest stop once the collection agency has it? The reason Im asking is because Ive had doctor bills in the past that were turned over to collections and never filed against my credit as long as I paid on time with the agency.

Can these payday loan companies actually do what they are threatening to do? They are telling us they are going to garnish our wages and then they told us they are going to have us arrested if we don't pay what they are telling us we have to pay

Hello, I recently got a 600.00 loan from Loanpoint USA. They are telling me that I have to pay back 780.00. They haven't debited anything from my account yet but will be at the end of the month. The problem is my car just broke down and I had to use the money I was going to pay them to fix my car. Now, I am worried that they are going to come after me and sue me or garnish my wages for not having the money in the bank.

The number calling is: out of area 209-233-6196 my searches do not find a source name, but whomever is using this number is calling in the middle of the night. Does anybody have an idea who it is, please? Thank you in advance.

My husband and I were trying to purchase a home but we need to raise our credit score and I heard about this credit enhancement program that will raise your score to 720 but it costs 750 dollars, any suggestions you have?

I have a chase card that was originally a wamu with aprox 15k owed on it. I was 1 day late in jan as I was moving and just forgot about it, so they raised my rate to 27%. I am current at this time. I just received a letter from the other day saying that they had closed my account based on my credit report (i have no idea why, as i am current on all my loans). I have the money to pay them off right now but that would tap my savings out. My goal is to pay all my debt off within 2 years, and these guys are the biggest and nastiest one.

My old classmate and good friend got in touch with me with a unique situation. I thought here would be the best place to get an answer - She was an international student with a cosigner (US citizen). I think the amount was about $40,000. She had to go back to her country after losing her job. When she got back, her cosigner died of a stroke (around 8 months ago). She continues to pay the loan instalments, but she's running out of money. Questions - 1. If she cannot continue paying back the loan, what happens? Who is liable?

I have a question about old credit card reported on my credit reports. How and why can a balance be different every where it is reported? Should this debt be removed from my credit reports? This old debt was once Bank A, then it was owned by Bank B, and now Bank C reports it as sold. Bank C is the only bank reporting the credit card. The other two banks are no longer reporting. A debt buyer reports the debt, too. Bank C reports a different balance to each credit agency.

So I got a call today from this company HBZ Financial telling me if I didn't pay $500 on an old pdl I had from a year ago that they were going to file charges against me for fraud (lots of legal jargon that is really scary). I asked for an address when I can send documentation of a payment agreement I entered into with payday2go and fufilled (not actually true, I wanted to see what they would say) and they said "get it around and call us back" and I said "are you refusing to give me your address?" and they kept repeating themselves.