Gail Cunningham
Gail Cunningham
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For people who live paycheck to paycheck, and every cent is already spent, they're living on the edge.
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And one thing can be disaster, a flat tire or high energy prices.
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Nobody plans to dig themselves into a financial hole, but going into Christmas 2005 many people were still paying for Christmas 2004.
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I am personally discouraged. Consumers do not fully understand the concept of credit, that by using credit, they are committing tomorrow's income today.
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The government enjoys having the use of your money all year. They get to spend and invest it for themselves, and you don't. So unless Uncle Sam is your favorite uncle, don't be giving him extra money all year round!
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The people who can least afford it sign up for these loans. Adjust your withholding, talk to your landlord or borrow from your mother--almost anything is better than one of these loans.
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The RAL must be repaid even if the taxpayer's refund is denied, smaller than expected or frozen. If the taxpayer cannot pay back the RAL, the lender may send the account to a debt collector, which will likely show up on the taxpayer's credit report.