How Not To Be a Losing Lender 5.0

How Not To Be a Losing Lender 5.0

Episode 5: How to Hold Your Debtor Accountable

The moment you lend out your money to someone, that person becomes your debtor and is liable to repay the money according to agreement.

Where the debtor fails to honor the agreement as when due, it is usually an awkward situation for both parties and more so to the lender because there’s a probability of losing a hard-earned money.

Nobody likes a loss. Therefore, it is on you as a lender to put modalities in place at the time of giving out the loan in other increase the chances of getting your money back. It is one thing to give out a loan. Getting it back is a different ball game because it remains the onus of the borrower to return your money. In fact, the borrower is under a legal obligation to repay the loan.

“It is on you as a lender to put modalities in place at the time of giving out the loan in other increase the chances of getting your money back.”

The legal definition of the word debtor is “one who owes another anything, or is under obligation, arising from express agreement, implication of law, or principles of natural justice, to pay money or to fulfill some other obligation.”

The problem is, many lenders and debtors fail to regard the debt transaction with the severity it deserves. They prefer to take each other by their words alone especially if the parties involved are close friends or family members. This explains why so many personal loans go bad and unrecovered and precious relationships go bitter as a result.

Never feel guilty or afraid to demand for greater accountability on how your loan is handled and when it will be returned. The banks, credit unions and other credit facilities don’t play with their money, so why should you?

When large amounts of money is involved in any debt transaction, it is advisable to be cautious, if not suspicious of your debtor. Yes, money can change anybody. You don’t need to take chances.

Without strong modalities in place to hold your debtor accountable, it is highly likely that you will lose your money.

In the last episode of this series, I wrote about the questions you should ask before lending out money. If you find that you are comfortable with the answers to those questions and you want to go ahead with the loan, the final thing to do is to have a way to hold your debtor answerable for the loan. You need to be certain that you are not just throwing your money to the winds.

Personally, if I were to owe someone money, I would make returning the money my topmost priority, even scrimping, saving, and denying myself certain pleasures. That’s because when someone loans money, I consider this an act of goodwill, and I would never want to betray this trust.

While I believe there are many people like me, we have to admit that not everyone thinks that way. In fact, many people see borrowed money as an opportunity to splurge. After all, they did not work for it.

So how do you go about this?
How do you make sure that your goodwill to your debtor is not trampled upon with impunity?

Well, you cannot completely predict or control people’s behavior especially when money is involved. But you can at least put some restraints and increase your chances of getting your money back.

“Never feel guilty or afraid to demand for greater accountability on how your loan is handled and when it will be returned.”

You can hold your debtor accountable by taking the following steps.

1. Decide How Much to Loan

After finding the answers to the necessary questions on whether or not to lend your money, you can then proceed to making the important decision of giving out the loan.

However, you should only go ahead with the loan if you are okay with loaning, and not because you feel morally obligated to do so or because you feel it is the right thing to do. Only say yes if you truly mean it. Money does not respond to emotions, it responds to results.

Also, you don’t have to loan the full amount the person requests, especially when you have some doubts about the money being put to proper use. This has a way of making the borrower to be more prudent with the money. It depends on your personal financial needs at the time and your relationship with this person.

Only loan the amount you feel comfortable with loaning. This is your money we are talking about. Do it because you want to, not because you feel like you have to.

Never ever let someone guilt you into lending money or more money than you are willing or capable of; it’s your choice on whether you want to lend and if yes, how much you want to lend.

2. Create a Written Repayment Plan

How many stories have you heard of people who lost money because they loaned it without agreeing on a certain date of return? How many times have you done that yourself?

The mistake many people make is think that they and their debtor are on the same page when it comes to repayment. This presumption often leads to regret – a situation that could have been avoided if they had a thought-out plan.

In the event that you find your borrower responsible and trustworthy enough to take out a big loan from you, always put it in writing. There is something about putting pen to paper that makes any financial transaction look serious and binding.

Memories fade, priorities get shifted and clashing opinions over what you originally agreed to can cause problems between friends or family, says Priyanka Prakash, a finance specialist at Fit Small Business and a former business attorney.

Draw up a payment plan and discuss what will happen if something goes wrong. Be clear about your expectations and realities. Don’t mince words.

In practice, a loan agreement should be dated and state the loan amount, due date for paying it back in full, the payment schedule and any agreed-upon late payment fee or interest. Full contact information for the loaner and borrower and both of your signatures, either handwritten or electronic, are important, says Prakash. It also needs to be signed by both parties.

A good repayment plan must answer essential questions like:

  • When will he/she be able to repay you?
  • How will he/she be repaying you? Bank transfer? Cash? Paypal?
  • Will he/she be paying in full or in installments?
  • Is there going to be an collateral? A collateral is a security or guarantee (usually an asset) pledged for the repayment of a loan if one cannot procure enough funds to repay.
  • Is there going to be an interest charged? At what percentage?

You need to get the repayment agreement plan down in some form of writing, be it in text messages, email or printed word document so that there is some form of accountability. If you need help pulling a formal document together you can opt to search online for a promissory note template which states the promise to pay someone back and can help ensure that all the important details are covered.

3. Agree on a Late Payment Fee

An important part of the debt repayment plan should be a clarity on what happens if the debtor fails to meet his obligation at the due date.

Where banks are involved, this could mean a seizure of collateral. If collateral was part of your agreement, then you have to be very clear on the process of transfer of ownership.

Another alternative would be to charge a late payment fee on the loan where the debtor would have to pay the penalty on top of the regular payment.

You may want to agree on a few days of grace before the penalty kicks into effect. The penalty may be in the form of a certain agreed amount or a percentage of the loan adding up every extra day or week that the loan is unpaid.

Drawing up an official loan document with a due date and penalty makes it more likely that the borrower will take the loan seriously and pay it back on time. In essence, you are saying, “so if you miss a payment, this is the piece of paper that we’ll look at that’ll help us to decide what to do, so it moves the friendship out of the way”.

“Drawing up an official loan document with a due date and penalty makes it more likely that the borrower will take the loan seriously and pay it back on time.”

4. Get a Third Party Involved (Notarized)

Notarized means to be witness of the authenticity of a document and its accompanying signatures in one’s capacity as notary public.

Depending on the size and complexity of the loan, you may want to enlist the help of an attorney to help you draft up a contract and witness the transaction. In the event of a default, it will be a lot easier to get the matter settled in a court of law. You need to take emotions out of the deal and treat this loan as a business transaction.

This is great way to let your debtor know that you are prepared to take legal action if he tries to play smart with your money.

5. Never Let the Due Date Slide

If you don’t have a debt repayment plan, you’ll find that reminding or even asking your friend to pay you back will make things uncomfortable and awkward.

In a article on, Nancy Rones wrote that if your money doesn’t show on time, ignoring the lateness or making excuses for not confronting the borrower would be a mistake. He might continue going along as if the due date you set is a loose guideline rather than a rule.

You have to make it more businesslike so none of you feels like you are taking advantage of the other. You can do this by sending reminders in advance to the due date.

It never hurts to send a reminder email, SMS or call a month or week in advance of the due date to show your debtor that you’re sticking firm to the terms. For example, “According to the agreement we signed, the loan I gave you will be due on October 25. I’ve attached an original copy, in case you’d like to refer to it. So glad I was able to help my good friend out”.

A reminder, in addition to the existence of a late payment fee is enough to put any debtor on their toes and keep them accountable to you.

In conclusion, unless you are giving out a freewill gift, you would certainly like to have your loan repaid on time. Therefore, it is on you to put these measures in place before (not after) lending out your money.

What if after doing all this (or your failure to do all this), your debtor still defaults and fails to pay you back? How do you move on and forget about the loan? How do you save your relationship from getting bitter?

In the next and final episode of this series, I will share with you on how to find healing after a lost loan.

Have you ever lent money to friends or family members? What was the experience like? Having read this, would you do it again in a more financially intelligent way?

I would like to know your thoughts, suggestions, concerns and questions in the comments below.

If you liked what you just read, you might also like:

Episode 1: Putting Money Lending in Perspective

Episode 2: Why People Lend Money

Episode 3: When Not to Lend Money

Episode 4: Questions to Ask Before Lending Your Hard-earned Money.

Episode 6: Finding Healing After a Lost Loan

Share this with your friends

Obot Essiet Jr.

I am an Architect, Entrepreneur and a Financial Intelligence Coach. I help set people on the right path to Financial Freedom by internalising financial literacy. I love cycling, reading and playing chess.

This Post Has 2 Comments

  1. Your comment is awaiting moderation.

    [url=]auto truck trader
    Population of texas state + Video
    Population Of Texas 2018 Population of texas state Population Of Texas 2018 Texas is the second biggest in terms of state in the United States. Houston is the most packed city in Texas, while San Antonio is the second most jammed in the state. On account of its size and geologic components, for instance, the Balcones Fault, Texas contains different scenes that look both the US southern and southwestern areas. Regardless of the way that Texas is predominantly associated with the US southwestern deserts, under 10 percent of Texas locale is absolutely desert. Most of the population centres are located …
    The post [url=]Population of texas state + Video[/url] appeared first on [url=] Business[/url] .

    [url=]Philippines Business[/url]
    [b]BONUS 200 FREE DOFOLLOW Links SITE[/b]

  2. Your comment is awaiting moderation.

    [url=]finance payment calculator
    Universities in denver area \ Video
    Universities in denver area Universities in denver area Colleges and Universities Attention Wheeling Jesuit University Students with Discontinued Majors: Please click here to access a list of transfer coordinators at Jesuit colleges and universities, who can help answer inquiries about continuing your degree program and/or major at a different Jesuit college or university next year. The Great Twenty-Eight The 28 Jesuit colleges and universities in the United States are located in 18 states and the District of Columbia. The institutions range from major research universities to comprehensive universities; from smaller colleges and universities that combine the liberal arts and professional …
    The post [url=]Universities in denver area \ Video[/url] appeared first on [url=] Real Estate[/url] .
    [url=]chevrolet toy model cars
    [url=] can i check my credit score [/url]
    [url=] can i get a free fico credit score [/url]
    [url=] credit one activate [/url]
    [url=] credit cards for no credit [/url]
    [url=] pret a manger jobs head office [/url]

    [u][b]BONUS 250 FREE LINKS SITE & BLOG [/b][/u]
    [url=] Credit Rating Check Without Getting [/url]
    [url=] Free Credit Card PowerPoint Template [/url]
    [url=] Apply For A Credit Card Online [/url]
    [url=] National Credit Reporting – Tenant Screening [/url]
    [url=] Credit cards – Reviews – Ratings – Consumer NZ [/url]
    [url=] 5 Cheap Payment Processors to Help You Take Credit Card Payments [/url]
    [url=] FHA Loans – Low Down Payment Mortgages for those with Poor or Bad Credit [/url]
    [url=] Free Credit Report No Credit Card Required! [/url]
    [url=] The U. S. Small Business Administration [/url]
    [url=] Nebraska Lemon Laws – Lemon Law Attorneys [/url]
    [url=] Penn State Online [/url]
    [url=] Easy Auto Credit Auto Loans – Guaranteed Auto Credit – Poor Credit Auto Financing, auto refinance with bad credit.[/url]
    [url=] Pros And Cons Of Credit Monitoring Services [/url]
    [url=] Credit Reporting Products at [/url]
    [url=] Best Rewards Credit Cards of 2015 – The Simple Dollar [/url]
    [url=] Rights of Renters in Foreclosure [/url]
    [url=] High Limit Credit Cards – Apply Online at, credit limit.[/url]
    [url=] Free Credit Check & Credit Score [/url]
    [url=] Chase Student Credit Card – College Student Credit Card [/url]
    [url=] MnSCU Student Loan Service Center Bureau [/url]
    [url=] Motorcycle USA, usa credit.[/url]
    [url=] Aqua City Plumbing: Minneapolis Plumber and Plumbing Company [/url]
    [url=] Everything You Need on Credit Card Debt [/url]
    [url=] Free retirement planning software aims to fix – flawed – advice of the pros [/url]
    [url=] AAA credit overnight in your new credit file instantly and erase DUI overnight [/url]
    [url=] How to Improve Your FICO Credit Score [/url]
    [url=] Order Free Annual Credit Report No Credit Card at Credit Reporting [/url]
    [url=] Credit Card Loss Protection [/url]
    [url=] Software Solutions [/url]
    [url=] ABA certification programs, ABA courses [/url]
    [url=] Guaranteed Unsecured Credit Card With Bad Credit [/url]
    [url=] How to Make a Tax Lien Disappear [/url]
    [url=] Debit and Credit Card Fraud Alerts, CIBC, credit card fraud.[/url]
    [url=] Compare Credit Reporting Products [/url]
    [url=] Performance Monitoring in Server Core in Windows Server 2008 – PERFGURU [/url]
    [url=] Business Loans For Bad Credit- Ventury Capital [/url]
    [url=] 2009 Ford Flex Start Driving Today! Little As $1000 DOWN [/url]
    [url=] Credit Builder Information. myFICOВ® Forums [/url]
    [url=] Credit Bureaus Report [/url]
    [url=] 25 Best Air Conditioning and HVAC Services – Los Angeles CA [/url]
    [url=] How to block your ICICI Credit Card Online and Phone? [/url]
    [url=] Re-establish Your Credit [/url]
    [url=] Getting Your First Credit Card-Kiplinger [/url]
    [url=] Donald Trump Tax Plan: Corporate-Tax Cuts Would Help Workers [/url]
    [url=] The Uniform Solution [/url]
    [url=] How to Apply for a Credit Card? [/url]
    [url=] Omaha Credit Card [/url]
    [url=] Ducted Air Con in Perth [/url]
    [url=] PayPal Credit [/url]
    [url=] Get Unsecured Loans No Credit Check With No Hassle, No Fax & 100% Secure [/url]
    [url=] Credit Union Lending Solutions, Indirect & Direct Lending, CU Direct, sacramento credit union.[/url]
    [url=] Municipal bond ratings. [/url]
    [url=] Alliant – An Online Credit Union for all your banking needs, online credit.[/url]
    [url=] KMART Department Store Credit Card – Store Credit Card, sears credit[/url]
    [url=] Student Credit Card Debt: A Survival Guide for Students [/url]
    [url=] Improve Credit Advice by Experian, how to improve your credit score.[/url]
    [url=] How To Apply For Credit With No Credit [/url]
    [url=] What is a Credit Check? (with pictures) – mobile wiseGEEK [/url]
    [url=] What – s Considered a Good Number for a Credit Score? [/url]
    [url=] Three Credit Bureaus Agencies [/url]
    [url=] Consumer Credit Report from Equifax, Experian, and TransUnion – MicroBilt Corporation [/url]
    [url=] PNC Bank Card Premium Offers A [/url]
    [url=] Five Ways To Get a Free Credit Score (No Trials! ), how to get my credit score.[/url]
    [url=] Instant Credit Cards from ICICI – AXIS Banks – For Online Shoppers [/url]
    [url=] Prevent: last-child from slowing you down [/url]
    [url=] Van Nuys Plumbing [/url]
    [url=] How Safe is an Online Credit Report [/url]
    [url=] Credits, credits.[/url]
    [url=] What Is On My Credit Report File In Australia [/url]
    [url=] Tenant Screening, Landlord Forms, Notice of Eviction, Free Rental Agreements – Information. [/url]
    [url=] Credit Report, Credit Check – Free Credit Score, Experian, score your credit.[/url]
    [url=] View Your Free Credit Report and Credit Score – No Credit Card Required, free credit reports and score.[/url]
    [url=] Business Line of Credit- America First Credit Union [/url]
    [url=] Business Loans [/url]
    [url=] Greenleaf Loans, Cash Before Payday Loans, credit credit.[/url]
    [url=] Gap Credit Card Payment Online, Credit Card Payment – 1 Click BillPay, bealls credit card.[/url]
    [url=] How To Get A Free Credit Score – Business Insider [/url]
    [url=] Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, credit cards no credit.[/url]
    [url=] Free card numbers visa coca cola 2013 annual report [/url]
    [url=] 52 FORD CREDIT complaints and reviews @ Pissed Consumer [/url]
    [url=] Gwu school of nursing [/url]
    [url=] Do-It-Yourself Credit Repair (Without Spending a Dime) – ReadyForZero Blog [/url]
    [url=] Pop-A-Lock of Philadelphia [/url]
    [url=] Guardian Credit Union of Alabama – Bank Routing Numbers [/url]
    [url=] How Borrowers with Bad Credit Find Mortgage Lenders [/url]
    [url=] Get Your Credit Report For Free Once A Year [/url]
    [url=] Check your credit report, Saline County [/url]
    [url=] Credit Score: Learn How Credit History Impacts Your Credit Limit – CIBC [/url]
    [url=] Five Ways To Get a Free Credit Score (No Trials! ), credit score free.[/url]
    [url=] TD Canada Trust [/url]
    [url=] Van Hire in Somerset, Yeovil – Dorset [/url]
    [url=] MN Department of Human Rights: Credit History: Is It Any of Your Employer s Business? [/url]
    [url=] Personal – Fox Communities Credit Union [/url]
    [url=] Free Credit Score Federal: Free Credit Score And Triple Credit Scores [/url]
    [url=] Five Principles Of Making Credit Card Payments [/url]
    [url=] What Jobs Do a Bachelor – s Degree in Human Services Prepare You For? [/url]
    [url=] Visa – Platinum Credit Cards – People First FCU [/url]
    [url=] Get Your Free Credit Score, Experian, credit score free no credit card.[/url]
    [url=] Spokane Criminal Defense Lawyer [/url]
    [url=] Consider Debt Consolidation – Wells Fargo [/url]
    [url=] Bill – s Lock, Safe – Security – Serving New Jersey – New York City Since 1982 [/url]
    [url=] Compare Credit Card Processing Companies – [/url]
    [url=] Free Credit Report [/url]
    [url=] Luxury Auto Loans – Universal Auto Loans [/url]
    [url=] Credit vs. Debit Cards: Which is Better? [/url]
    [url=] Capital One Financial Education Bureaus and Your Rights [/url]
    [url=] Credit Card Numbers That Work with CVV 2015 – Free Generator Hack [/url]
    п»ї[url=] Money [/url]
    [url=] Checking credit reports and FICOВ® scores daily [/url]
    [url=] Compare Student Credit Cards [/url]
    [url=] Smart mobile solutions [/url]
    [url=] Comenity Credit Card List – myFICOВ® Forums, loft credit card.[/url]
    [url=] Small Business Loans [/url]
    [url=] Cams Free Credit, Free Private Shows, free[/url]
    [url=] Compare New Car Insurance Quotes [/url]
    [url=] Auto Loans in Virginia [/url]
    [url=] What is a Credit Check in the UK [/url]
    [url=] Prepaid Cards [/url]
    [url=] Online Credit Card Management [/url]
    [url=] Featured Gas Rewards Credit Cards [/url]
    [url=] Calculate Your GPA, total credit check.[/url]
    [url=] Use ITIN in place of SSN when applying online? myFICOВ® Forums [/url]
    [url=] Monthly Payment Loans- No Credit Check Loans- Loans With Monthly Payment [/url]
    [url=] The Fast-Track Guide to Becoming a Network Administrator [/url]
    [url=] Car Donation – Donate Car – Vehicle Charity Donation Program [/url]
    [url=] How To Get A Free Credit Score Without Credit Card? [/url]
    [url=] Mizuno: Advantages and disadvantages of virtual organization [/url]
    [url=] Credit Report, Credit Check – Free Credit Score, Experian, free credit check without credit card.[/url]
    [url=] Mental Health & Psychiatric Hospital in Chicago [/url]
    [url=] Land Loan [/url]
    [url=] Welcome to CCCS of San Francisco, credit counseling services.[/url]
    [url=] Credit Score For Free at Annual Credit Report [/url]
    [url=] Plumbers in clifton nj [/url]
    [url=] Free HIPAA Compliance Checklist [/url]
    [url=] Slim Lipo vs, lipo in san diego.[/url]
    [url=] Online Course: Credit Report and Repair – CEU Certificate [/url]
    [url=] Compare The Best Top Cashback Credit Cards Deals [/url]
    [url=] Credit Score Q & A – Quicken Support [/url]
    [url=] Credit Repair Kit For Dummies Cheat Sheet, credit repair software.[/url]
    [url=] Northwest Neurobehavioral Health [/url]
    [url=] The Best Reward Credit Cards You Probably Haven – t Heard Of – US News [/url]
    [url=] Average Cost to Get All 3 FICO Scores [/url]
    [url=] Online working credit card generator 2017 (Fast – secure) – Free Active Credit Card Numbers, secure credit card.[/url]
    [url=] Bad Credit Personal Loans Up to $5000 Now Available [/url]
    [url=] Instant Approval Credit Cards Applications, Bad Credit OK, instant approval credit cards.[/url]
    [url=] Credit Report, Credit Check – Free Credit Score, Experian, credit record.[/url]
    [url=] How to Get a Business Credit Report [/url]
    [url=] Credit Cards: Apply for a smile Credit Card Online, smile, credit cards for unemployed.[/url]
    [url=] Small Business Loans – Personal Loans for Your Business [/url]
    [url=] Contacting Credit Bureaus and Creditors [/url]
    [url=] Credit reports available online for all consumers – Announcements. [/url]
    [url=] What are the Different Credit Score Ranges? Bad to Excellent and Everything In Between [/url]
    [url=] Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, credit report annual.[/url]
    [url=] Software piracy statistics [/url]
    [url=] Home, BioPharma Credit PLC, credit advisors.[/url]
    [url=] Common Problems after Weight Loss Surgery Washington DC Maryland Northern Virginia [/url]
    [url=] Using COMSTAR and ZFS to Configure a Virtualized Storage Environment [/url]
    [url=] What Is Fair Credit Reporting Act [/url]
    [url=] Identity Theft Card Fraud – How to Protect Yourself – Personal Finance, credit card fraud.[/url]
    [url=] Credit Score Explained [/url]
    [url=] Tips on How to Rebuild Your Credit [/url]
    [url=] Online Training Programs in Diagnostic Medical Sonography [/url]
    [url=] Credit Reporting Agencies Bureaus, Experian, Equifax, TransUnion [/url]
    [url=] Trade Builders Buying Group – Building the Trade – construction group buying queensland [/url]
    [url=] Personal Loans – Bad Credit Loans [/url]
    [url=] Sam – s Club to offer first chip-enabled – smart cards. [/url]
    [url=] Credit Time Calculator [/url]
    [url=] Flex Courses – Fayetteville Technical Community College [/url]
    [url=] List Of Tenant Credit Check Services For Landlords [/url]
    [url=] Credit cards for beginners with no credit history [/url]
    [url=] Sams Club Credit Card Review: Should You Apply or Not? [/url]
    [url=] Best Credit Score Monitoring [/url]
    [url=] Credit Builder Loans [/url]
    [url=] Corporate America Family CU [/url]
    [url=] No Credit Check Credit Cards Options – Fast UK Loans [/url]
    [url=] RowyNet – Free scores for piano, organ, flute and more [/url]
    [url=] Top Universities in France [/url]
    [url=] FFIEC IT Examination Handbook InfoBase Risk [/url]
    [url=] Free Credit Scores [/url]
    [url=] How to Fix Your Credit Score Fast [/url]
    [url=] Disputing Credit Card Charges [/url]
    [url=] Compare 4 choices for debt relief [/url]
    [url=] The Home Workout Movement, my credit health.[/url]
    [url=] Christian Marriage Counseling Programs-National Institute of Marriage [/url]
    [url=] Car Credit Center – Car Dealers – Ashburn – Chicago, IL – Reviews – Photos [/url]
    [url=] Union Bank Secured Visa Card Review – Beverly Harzog [/url]
    [url=] How Instant Approval Cards Work – ASAP Credit Card [/url]
    [url=] Online Credit [/url]
    [url=] Personal Credit Report For Free [/url]
    [url=] Credit Bureaus Report [/url]
    [url=] Consumer Credit Counseling, Goodwill Industries of KYOWVA Area, Inc, consumer credit counseling.[/url]
    [url=] D & B Credit Rating and PAYDEXВ® Interpretation Tables [/url]
    [url=] Glendale Bankruptcy Lawyer [/url]
    [url=] Plumber, GA: Emergency Plumbing, Drain – Sewer Cleaning, Leaky Toilet, Water Heater Repair, Atlanta [/url]
    [url=] Is the Marriott Credit Card still a good deal? [/url]
    [url=] Easiest Credit Card to Get – Easiest Credit Card to Get [/url]
    [url=] Poor Credit Home Equity Loans for Low Fico Scores, poor credit loans.[/url]
    [url=] Credit Report, Credit Check – Free Credit Score, Experian, free credit annual report.[/url]
    [url=] Electrical Contractors for Dallas – Fort Worth TX Area Builders [/url]
    [url=] IVA Mortgage – Mortgage advice IVA and Bad Credit mortgage advice, mortgage bad credit.[/url]
    [url=] Turnkey systems – solutions – Tundra Process Solutions [/url]
    [url=РїС—С•tica-latina-de-aplicaciones-didРїС—С•cticas-audiv/] VGramРїС—Р…tica latina de Aplicaciones DidРїС—Р…cticas [/url]
    [url=] Credit Cards for Bad Credit [/url]
    [url=] Windows Server 2012 Download R2 [/url]
    [url=] Pivotal Cloud Foundry on Microsoft Azure [/url]
    [url=] Department of Public Works, marketing retainer agreement.[/url]
    [url=] 5 Best Credit Cards for People With Excellent Credit [/url]
    [url=] Tenant Screening Credit Reports and Tenant Score Reports [/url]
    [url=] Credit Bureaus TransUnion, Experian and XDS are all partners of Kudough [/url]
    [url=] Medical Assisting [/url]
    [url=] Where to Order Your Credit Score [/url]
    [url=] FHA Mortgage [/url]
    [url=] PrePay Solutions, Virtual Card Numbers, virtual credit card.[/url]
    [url=] 2015 Best Balance Transfer Credit Cards Offers and Promotions [/url]
    [url=] Criminal Defense Lawyer Houston, Houston DWI Lawyer, crimimal justice.[/url]
    [url=] Personal Loans Online With Bad Credit OK and No Collateral Needed! [/url]
    [url=] Best Project Accounting Software – 2017 Reviews & Pricing [/url]
    [url=] Financial Calculator, Free Online Calculators from, business credit cards.[/url]
    [url=] Online Credit Reports, 3 Credit Scores, three free credit scores.[/url]
    [url=] Tax Audit Insurance [/url]
    [url=] Rehab: New York Alcohol Treatment – Drug Addiction Recovery [/url]
    [url=] Student credit cards: The ultimate guide – Save the Student [/url]
    [url=] VoIP in the call center guide [/url]
    [url=] Fix My Credit [/url]
    [url=] How to Get a Credit Card When You Have Bad Credit [/url]
    [url=] Delta credit [/url]
    [url=] How Do I Check Tenant References? [/url]
    [url=] Company and Director credit reports and annual accounts, free credit report annual.[/url]
    [url=] Free Credit Report Online [/url]
    [url=] Auto Credit of Southern Illinois: Great Cars, Easy Financing, what is credit.[/url]
    [url=] Best Credit Cards For Rebuilding Credit in 2012 [/url]
    [url=] Apply for a credit card [/url]
    [url=] Best Free Credit Score: Check Your Credit Rating [/url]
    [url=] Fair Credit Credit Card Offers [/url]
    [url=] Business Loans with No Credit Check [/url]
    [url=] Compare Credit Reporting Products [/url]
    [url=] Credit Freeze FAQ [/url]
    [url=] Bad Credit Loans, Loans For People With Bad Credit, consolidation loans with bad credit.[/url]
    [url=] If the credit charge was $, take a closer look [/url]
    [url=] Get All Three Credit Scores: Free Credit Score And Triple Credit Scores [/url]
    [url=] Accredited Online Music Degree Programs [/url]
    [url=] Virtual credit card generator 2013 [/url]
    [url=] M & T Bank: Credit Score [/url]
    [url=] Best Online Psychics – The Highest Rated Psychics in the World [/url]
    [url=] How to Freeze Your Credit Report at Each Credit Bureau, credit bureau report.[/url]
    [url=] Interpreting Your FICO Score – myFICOВ® Forums [/url]
    [url=] FBI – Internet Fraud [/url]
    [url=] Granite Credit Card Review. [/url]
    [url=] 5 Best Gas Rewards Credit Cards [/url]
    [url=] How Do I Build My Credit Score Fast? 720 Credit Score [/url]

Comments are closed.

Close Menu