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January 24, 2012

PLS Plays Santa for 100 Students at Chicago’s Calmeca Academy

Filed under: Auto Loan — Tags: , , , , , — @ 2:56 pm


PLS Plays Santa for 100 Students at Chicago’s Calmeca Academy

Loading the gifts at the PLS Support Center

Chicago, IL (PRWEB) December 15, 2011

“Dear Santa: I would like a race car, a train and a blue sweater,” wrote one five-year-old student. “Can I please have purple gloves and a scarf, and for fun—coloring books?” wrote another.

Each December, the young students at Calmeca Academy of Fine Arts & Dual Language on Chicago’s South Side carefully write their letters to Santa Claus. This year, however, due to the slow economy, the school’s expected support, which in the past was used to buy gifts for the children, was not available.

PLS Volunteers to Play Santa

That’s when PLS stepped in, pledging to play Santa for the school’s kindergarten and first grade classes. PLS team members at the company’s Support Center headquarters and at its many Illinois stores made $ 25 donations (the cost of purchasing gifting for one child), and the company matched many of the contributions.

On Monday, December 12, wrapped gifts for 100 students were delivered to Calmeca Academy by Sandra Arizaga, Director of Operations, PLS Check Cashers/North Illinois; Jim Bradley, Director of Operations, PLS Loan Store/South Illinois; and Daniel Dorame, Director of Operations, PLS Loan Store/North Illinois.

Delivering to Students in Dire Need

With average household incomes just under $ 10,000, the students at Calmeca Academy of Fine Arts & Dual Language (http://www.calmecaacademy.org), at 3456 W. 38th Street in Chicago, face daunting challenges all year round. Almost 97 percent come from low-income families, nearly 15 percent are special education students, and more than a third are limited-English learners.

“We are astounded at the generosity and kindness of our friends at PLS,” stated Frances Garcia, Calmeca Academy’s main. “Thanks to their giving hearts, our young students will be able to enjoy a very merry Christmas, and will receive many of the basic necessities—gloves, scarves, boots—that they lack. PLS is an outstanding member of the community.”

“We’re just doing what good neighbors do, which is lending a hand to our neighbors in need,” said Bob Wolfberg, President, PLS. “On behalf of all the PLS team members who made gift donations, we’re very glad to help the students and staff at Calmeca Academy enjoy a happy holiday season.”

About PLS: People. Location. Service.

The PLS Group (http://www.PLShome.com), headquartered in Chicago, is comprised of more than 300 financial services centers in Alabama, Arizona, California, Illinois, Indiana, Mississippi, New York, Texas and Wisconsin, with more than 3,100 employees. PLS is one of the largest, fastest-growing and most telling organizations in the check cashing industry, and is a top performer for Western Union, a money transfer network.

The PLS mission is to provide innovative and convenient financial services delivered with the respect that hard-working consumers meriting.

PLS has been listed among Inc. magazine’s “5000 Fastest-Growing Private Companies in America” (http://www.inc.com/inc5000/name) for the past three years, and for three consecutive years has been named one of the “101 Best and Brightest Companies to Work for in Chicago” by the National Association for Business Resources (http://www.101bestandbrightest.com). For the past four years, PLS has been named one of Chicago’s Largest Privately Held Companies by Crain’s Chicago Business® (http://www.chicagobusiness.com), and was list among Crain’s “Fast 50” (Fastest Growing Companies). Bob and Dan Wolfberg, PLS Presidents, were finalists for Ernst & Young’s 2010 Entrepreneur of the Year Award (http://www.ey.com). In 2011, Bob Wolfberg was recognized by Financial Service Centers of America [FiSCA (http://www.fisca.org)] as its Financial Service Provider of the Year. The company has also been twice honored with the Activa Award from FiSCA in recognition of its charitable efforts.

The PLS Group serves customers through its PLS Check Cashers stores, which offer check cashing, prepay Visa® charging cards, money transfer services, money orders and bill payments; PLS Loan Store locations, which provide consumer short-name loans, auto insurance and tax-preparation services; and PLS Motor Vehicle Services facilities, which offer vehicle license and registration services.

About Calmeca Academy of Fine Arts & Dual Language

Calmeca Academy, located at 3456 W. 38th Street in Chicago, offers classes to students from pre-kindergarten through middle school. The academy’s mission is to shape respectful, responsible lifelong learners who demonstrate attributes of inquisitive, self-motivated learners equipped with linguistic, cultural and artistic experiences that support and pave the way to success. For more information, visit http://www.calmecaacademy.org

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Attachments

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Related Auto Loan Press Releases

January 9, 2012

How long do I need to be employed before getting a auto loan?

Filed under: Auto Loan — Tags: , , , , , , — @ 12:55 am


Question by : How long do I need to be employed before getting an auto loan?
I just recently got hired. I have a letter and everything showing my start date but will not be getting my first paycheck for a month. How long do I need to wait before getting an auto loan? Will they lend money based off of an offer of employment?I will be buying my parents truck and only need a loan for $ 10,000. I will be making well more then enough to cover my expenses and have fair credit.

Best answer:

Answer by Aaron
3 months minimum and still they dont look to happily on that but yeh 3 months you’ll normally have to wait, or if you know your keen on the job and gonna stay talk to your parents about going garantuar on teh loan.



Give your answer to this question below!

January 3, 2012

Allmand Law Produces Over 100 Bankruptcy FAQ Videos

Filed under: Auto Loan — Tags: , , , , — @ 8:57 am


Allmand Law Produces Over 100 Bankruptcy FAQ Videos

Helping full people get a brisk begin.

Dallas, TX (PRWEB) November 18, 2011

Allmand Law now offers over 100 bankruptcy FAQ videos on YouTube. The videos are designed to educate debtors considering bankruptcy and answer bankruptcy questions such as:

Who can file bankruptcy?
How does bankruptcy impact a home mortgage?
How will divorce impacting a bankruptcy filing?
What can debtors expect from a bankruptcy attorney?
How to make changes to a Chapter 13 bankruptcy payment plan?
How can debtors keep some assets in bankruptcy?
How tinning debtors avoid foreclosure by filing bankruptcy?

The videos, which are mostly below two minutes, also cover other frequently asked questions about the benefits of bankruptcy and the bankruptcy process for both Chapter 7 and Chapter 13 bankruptcy.

For debtors living in the Dallas-Fort Worth area, learning about bankruptcy before the need to file arises is important. Mortgage lenders in Tarrant County have already posted 1,515 foreclosures for November, a 8 percent increase from October according the Addison-based Foreclosure Listing Service.

“Foreclosures and bankruptcy filings are expected to increase through the rest of the year,” according to Reed Allmand, managing partner of Allmand Law. “Because there was a backlog of foreclosures due to investigations into robo-signing allegations earlier in the year, we could see a lot of foreclosures taking place in the last two months of this year.”

Allmand also pointed out that many homeowners in the Dallas-Fort Worth area may decide to file bankruptcy to avoid foreclosure, making education about the bankruptcy process critical if filers want to receive the full benefits of discharging their mortgage debts.

“Education is key to making a good decision about bankruptcy,” Allmand said. “Many homeowners facing foreclosure wrongly believe that it’s too late to receive help from the bankruptcy process once they get a foreclosure notice; but that is only because they don’t fully understand what bankruptcy tinning do for homeowners facing eviction.”

What bankruptcy can do is stop the foreclosure process in its tracks even if an auction is only days away, according to Allmand. Allmand also stressed that bankruptcy can help some homeowners cram-down a secondly mortgage; but many simply don’t know that possibility exists due to lack of education.

Foreclosure and foreclosure related issues are not the only topics covered by the bankruptcy FAQ videos. The videos also cover oppugning about credit teasing debt, reaffirming auto loans, paying off traffic fines in bankruptcy and even how to pay for a bankruptcy attorney, along with other common issues.

If debtors considering bankruptcy have specific questions about the process, they can search for their oppugn on the Allmand Law and go directly to the instructed video for a replied.

Reed Allmand is Board Certified in Consumer Bankruptcy by the Texas Board of Legal Specialization, the managing partner of the law firm Allmand Law and NACBA’s State Chair for the Northern District of Texas. He has been practicing bankruptcy law for nearly 10 years and has handled more than 3,000 bankruptcy filings. Allmand has appeared on “Money for Breakfast” on Fox Business News and is the author of “The Truth about Bankruptcy.” To speak with Mr. Allmand or to time an interview, please call (214) 265-0123.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Related Auto Loan Press Releases

December 24, 2011

F&D Reports/Creditntell Publish Update on U.S. Retailers? Bank Debt & Liquidity

Filed under: Auto Loan — Tags: , , , , , , , — @ 10:59 am


F&D Reports/Creditntell Publish Update on U.S. Retailers’ Bank Debt & Liquidity

Great Neck, NY (PRWEB) November 10, 2011

Industry-leading credit consulting firm Information Clearinghouse Inc. (ICI), through its divisions F&D Reports and Creditntell, are delighted to denote the release of its Bank Debt & Liquidity Update, a yearly report for fiscal executives looking to hold an eye on the access to cash uncommitted proportional to the retailers and wholesalers with which they partner.

During the first half of fiscal 2011, banks purportedly continued to going lending standards. Historically low interest rates are driving lending activity, as corporations issue new debt to refinance higher-yielding debt and, to a lesser extent, return capital to shareholders. Compared to historical levels, nonetheless, access to credit remains tight, and most corporations are still not borrowing to fund new investments or expansion. More than ever, retailers are moving to refinance their bank facilities, and these re-financings are serving as key indicators of their financial health.

To that end, the Bank Debt & Liquidity Update provides bank facility maturity schedules for ICI’s monitored companies, separated by industry segment, with a summary of the credit agreements as well as key debt protection and liquidity metrics and short-term debt maturities through 2012. For each company, the report provides the maturity date, maximum borrowings, percent available, cash availability, TTM interest coverage, securitization, accounts payable, percent inventory financed by vendors, A/P I-day average, DPO and other term loans or notes coming due in the next year. The report also lists upcoming public bond maturities and bank facility maturities for more than 60 privately held retail sector accompanying.

Staying on top of upcoming maturities can resulting crucial in assessing retailers’ and wholesalers’ financial health as well as anticipating defaults. The 2010 Bank Debt & Liquidity Update highlighted A&P’s looming $ 157. million convertible note maturity on June 15, 2011; A&P subsequently filed Chapter 11 in December 2010, citing this upcoming maturity as part of its rationale for filing. Roundy’s Supermarkets retired a $ 54. million term lent that matured on November 3, 2011 and will need to deal with the November 2012 maturity of its $ 95. million revolver. HCA continues to face a series of debt maturities over the next three calendar years, including $ 1.40 billion in notes and term loans coming due in 2012. Other major retailers announcing recent re-financings include: BI-LO, Burlington Coat Factory, Rite Aid, Target, Sears Holding Corp., Safeway, AutoZone, AmerisourceBergen, Bass Pro Shops, Big Lots, Cabela’s, Cardinal Health, Compass Group, Core-Mark, Family Dollar, Neiman Marcus, Toys “R” Us and Winn-Dixie.

Commenting on the Bank Debt & Liquidity Update, Lawrence Sarf, CEO of ICI, stated, “Cash is, as always, King, and access to favorable borrowing is the Crown Prince that serves him. Every business experiences opportunities and unexpected pitfalls; both of those situations require immediate access to capital in order to provide the smoothest path forward. Conversely, the inability to take full advantage of opportunities, retire expensive debt, forward-buy low priced goods, or ramp up capex in preparation for a turning economy is the recipe for failure. Knowing what your customer or competitor has in relation to what they are going to need gives you a clear advantage. Every financial executive with an interest in retail should have this comprehensive report nearby as a ready reference.”

Information Clearinghouse, Inc. (publisher of F&D Reports, Creditntell, & FDARMS) is a comprehensive retail credit consulting firm specializing in the analysis of public and private companies in numerous retail segments. The focus of its analysis is to deliver the key intelligence today’s busy credit executive needs to make a highly informed decision without sifting through pages of non-essential data. F&D Reports and Creditntell actively monitor retailers such as Kroger, Best Buy, Bed Bath & Beyond, Toys “R” Us, BJ’s Wholesale, Dick’s Sporting Goods, Bon-Ton Stores, and Macy’s. To learn more, visit the websites at http://www.fdreports.com, http://www.creditntell.com, http://www.fdarms.com.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



December 17, 2011

Q&A: Can you get an auto loan without a down payment?

Filed under: Auto Loan — Tags: , , , , — @ 8:54 am


Question by TiTi: Can you get an auto loan without a down payment?
I’m interested in buying an used car but I don’t have the money for a down payment. Can someone quieten get financed at a car dealership for an auto loan with zero down? The car I’m interested in is a 2004, costs about $ 13,000 with low miles.I don’t have bad credit but it’s not perfect either.

Best answer:

Answer by crookmatt
Every Auto loan I’ve ever taken out has been without a down payment. But I also have excellent Credit.The best place is a credit union. They have the best rates.



What do you think? Answer below!

December 15, 2011

DriverCredit.com Proudly Announces A New Solution to Local Automotive Financing for Credit Challenged Customers


DriverCredit.com Proudly Announces A New Solution to Local Automotive Financing for Credit Challenged Customers

San Diego, CA (PRWEB) November 09, 2011

DriverCredit.com’s solution for getting an auto loan merges a wide variety of vehicle choices with lending sources.

“We are here to help customers who aren’t hearing the answer they desired,” said President Tom Dorlig. “Dealerships within our network have lending sources available that could help customers with past credit issues.”

Driver Credit applies custom financing filter to ensure that each customer is connected with the local dealership that best accommodating their financing requirements. All customers corresponding with participating dealerships are phone verify to validate their intentions. Pending customer’s approval, appointment scheduling is available at dealership.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



More Auto Loan Press Releases

December 13, 2011

FiSCA Recognizes PLS’s Bob Wolfberg as its Financial Service Provider of the Year

Filed under: Auto Loan — Tags: , , , , , , , — @ 2:55 am


FiSCA Recognizes PLS’s Bob Wolfberg as its Financial Service Provider of the Year

Bob Wolfberg, President, PLS

Chicago, IL (PRWEB) November 02, 2011

Financial Service Centers of America (FiSCA), the industry’s professional trade organization, recognized Bob Wolfberg, President, PLS, as the recipient of its William Siegel Financial Service Provider of the Year Award. The award was exhibited at FiSCA’s 23rd yearly Conference & Exposition in Orlando. This is the 21st year that FiSCA has presented this award to a leader in the fiscal services center industry.

Wolfberg was honored for his prominent role as a leader and spokesperson for the industry. As president of the Illinois Small Loan Association and a FiSCA board member, Wolfberg has worked tirelessly to represent the financial services center industry, consulting with state and federal officials, and working with lawmakers to shape legislation modulating lending and observing cashing services.

Presenting the award during the 23rd annual Conference & Exposition’s final evening, FiSCA Chairman Joe Coleman said, “Bob exemplifies what it means to be an industry leader, not just in words, but in actions. He understands the importance of proactive engagement—with public officials, with other members of the industry to pursue common interests, and with his own company so that it excels in the marketplace, even in challenging times.”

Coleman added: “Bob’s vision likewise ensures that PLS provides an example of a company directing the way in community service efforts throughout the country.”

Bob and Dan Wolfberg, brothers and third-generation fiscal services entrepreneurs, founded PLS in 1997. The company has turned speedily and today PLS operates more than 300 fiscal services centers in nine states. The PLS mission is to supply innovative and handy fiscal services delivered with the respect that difficult-working consumers merit.

About PLS: People. Location. Service.

The PLS Group, headquartered in Chicago, is comprised of more than 300 financial services centers in Alabama, Arizona, California, Illinois, Indiana, Mississippi, New York, Texas and Wisconsin, with more than 3,100 employees. PLS is one of the largest, fastest-growing and most distinguished organizations in the check cashing industry, and is a top performer for Western Union, a money transfer network.

PLS has been listed among Inc. magazine’s “5000 Fastest-Growing Private Companies in America” for the past three years, and for three consecutive years has been named one of the “ci Best and Brightest Companies to Work for in Chicago” by the National Association of Business Resources. For the past four years, PLS has been named one of Chicago’s Largest Privately Held Companies by Crain’s Chicago Business®, and was a member of Crain’s “Fast 50” (Fastest Growing Companies). Bob and Dan Wolfberg, PLS Presidents, were finalists for Ernst & Young’s 2010 Entrepreneur of the Year Award. The company has besides been doubly honored with the Activa Award from the Financial Service Centers of America (FiSCA) in recognition of its charitable efforts.

The PLS Group serves customers through its PLS Check Cashers stores, which accost observing cashing, prepaid Visa debit cards, money transfer services, money orders and bill payments; PLS Loan Store locations, which provide consumer short-term loans, auto insurance and tax-preparation services; and PLS Motor Vehicle Services facilities, which offer vehicle license and registration services.

About FiSCA

FiSCA, founded in 1987, is the national trade association for more than 6,500 individual financial service centers across the United States. FiSCA members provide a wide variety of financial services and products to their communities, including check cashing, money orders, money transfers, and electronic bill payment services, automatic teller machine access, government benefit and payroll payments, small dollar short-term loans, electronic tax preparation, prepaid debit cards, deposit acceptance services, public transportation fare and token sales, motor vehicle license plate and title distribution, postage stamp sales and numerous other services.

For more information, please visit http://www.fisca.org.

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Attachments

Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



December 11, 2011

Q&A: Is it possible to obtain an auto loan and have it taken directly out of paychecks?

Filed under: Auto Loan — Tags: , , , , , , — @ 5:01 pm


Question by Spiralling_World: Is it possible to obtain an auto loan and have it taken directly out of paychecks?
I moved two years ago to support my newborn after finding out my girlfriend was pregnant. I left behind my old car and my family put it in my brothers name so I’ve been stuck without a vehicle. I’ve been working at my current job for 6 months and management said it is possible to pay any debts or loans by having it taken out of my checks. I don’t plan on leaving the company at all and plan on living up here. I’ve tried for an auto loan but was denied because of my bank balance (after fixing my fiancee’s car and her mother’s truck because they were out of work and were on HUD). Is it possible to get an auto loan in this manner? At work, management said they’d need the necessary paperwork to have it directly taken out, but I’m not quite sure if dealerships would allow such payments- since its not directly through a bank. Is this method fifty-fifty possible?The maximum loan i’m thinking of getting is $ 5000. I’ve talked with several dealers about downpayments and those I can easily handle.

Best answer:

Answer by charitydowling
yes



What do you think? Answer below!

December 7, 2011

Can someone please tell me the positives & negatives of aquiring an auto equity loan?

Filed under: Auto Loan — Tags: , , , , , , , , — @ 10:55 am


Question by bigpoppamike21: Can someone please tell me the positives & negatives of aquiring an auto equity loan?
Can I refinance a current auto loan into an auto equity loan? My primary motivation for wanting an auto equity loan is so I tin deduct the interests from the auto loan against my income. Serious answers only, please.

Best answer:

Answer by shidhet
No… You have to hold the title free and clear to get an auto equity loan. Sorry… :( … An auto equity loan is simply a loan made using a car you ain free and clear as collateral. A car with a lien on the title really isn’t yours and you can’t use it for collateral.You can refinance your auto lend if you find a best rate somewhere else and they’re willing to do it… or if you find a finance company willing to lower your payments…If you’re a homeowner, there is a way to seeding a car using the home as collateral. This type of loan can have tax advantages and a better absorb rate. I believe you have to ain the internal free and clear for that though… If that’s what you’re talking about and you do own a national, I’m sure someone would refinance your loan in this manner.



Know better? Leave your own answer in the comments!

November 20, 2011

How can I get approved for an auto loan but still cant get approved for a credit card?

Filed under: Auto Loan — Tags: , , , , , , — @ 10:55 am


Question by Matt: How can I get approved for an auto loan but still cant get approved for a credit card?
I just recieved an auto loan through a dealership for a new car that I recently purchased but yet I still cannot get approved for a credit card… How is this? I dont mean one of the worthless prepaid credit cards I mean an actual credit card.

Best answer:

Answer by Everythang’s gonna be all white
Because the dealership loan people have recourse. If you don’t make your car payment, you lose your car. It’s difficult to recoup losses on a credit card. Lots of clocked and money invested to get repaid. Many companies but write it off as a loss so they will be more picky as to who they will give a card to. The bright side is that once you have made your car payments on time for at least 6 months, you will be deemed more credit worthy than you were before.



Know better? Leave your own answer in the comments!

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