Posts by Tracy Walters

Can Non-Citizens Get Bail?

Immigration bonds for non-citizens who have been detained by the Department of Homeland Security differ from the regular bonds available to citizens for criminal charges. There are various factors that are used to measure whether or not a bond is issued in an immigration case. If your relative has been detained and wants to be bailed out, here is what you need to know. 

How Is the Amount Determined?

The minimum amount of all immigration bonds is $1,500 as of April 2016. How high it goes from there depends on various factors. One factor the judge will consider is what led to your relative’s detainment. Reasons, such as committing a criminal act, could result in a higher bail. 

The judge also considers the length of time your relative has been in the country and whether or not he has been gainfully employed and established roots in the community. If your relative has strong family ties, this could also result in a lower bail. 

What If the Bail Is Too High?

In the event that the amount the immigration judge has set is too high, a request to have it lowered can be made. There are two ways to request a reconsideration of the bail amount. 

The first can be done orally by your relative at the time the initial bail amount is set. The chances of having the bail lowered could be impacted by other issues that are being handled by the court in your relative’s case. 

However, filing a Motion for Bond Redetermination might be a better method. The motion would prompt the court to schedule a separate hearing to solely consider the bond. If your relative does opt to file a motion with the court, it is important to work with an immigration attorney who is experienced in handling bail proceedings. 

What If Bail Is Denied?

Bail is not a guarantee for every case. In some instances, the judge can refuse to set a bail amount altogether. 

For instance, if your relative has mandatory detention, it is unlikely that a judge will set a bail amount. Mandatory detention can be ordered for a number of offenses, including suspected terrorist activity or money laundering. 

If your relative is denied bond, he or she can ask for a Joseph hearing to ask the judge to re-review the circumstances that led to the mandatory detention. If the judge agrees that your relative should not be considered a mandatory detainee, he or she can set a bail amount. For more information, visit All-Mobile Bail Bonds.

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2 Things You Need To Know If You’re Taking A Family Heirloom To A Pawn Shop

If you are having a financial crisis and decide to take a family heirloom to a local pawn shop to get some needed cash, you may think it is a simple process. However, first you need to do some homework so that you can get a fair deal and get your family heirloom back in the future. Here are some things to know when dealing with a pawn shop.

How Much the Heirloom is Worth

The most important thing you need to know is how much your heirloom is worth monetarily. While the pawn broker’s opinion of value is important, you need to have some idea of what the market value of the heirloom is so that you are not cheated.

How do you find out the value of an heirloom? There are a number of ways you can do this. You can have the heirloom appraised by a professional appraiser, or you can research internet auction sites and retail sites to get some idea of how much you would pay for such an item. You can also field different offers from different pawn shops in the area. Even if you are dealing with a financial emergency, don’t take the first offer you get until you find out if you can get a better one.

What the Interest Rate Will Be

If the pawn broker offers you a reasonable amount of money for your heirloom, you may be happy that you’re getting a good deal. However, you can’t be sure that you’ve got a good deal until you know how much it will cost you to get your heirloom back. Pawn shops allow you to buy back the items you’ve put up as collateral, but the price will typically have a certain amount of interest attached. If you can’t come up with the full price within a certain period of time, they will allow others to buy your family heirloom.

Therefore, it is vital that you consult a number of shops in the area to see who can offer you the lowest interest rate. Make sure you consider the entire cost of doing a transaction with a pawn shop, like Westminster Jewelry And Loan, before handing over your family heirloom.

Use the information laid out in this article to help you make the right decisions when pawning a family heirloom. Be sure to talk to the pawn broker about additional information that will affect your particular transaction, so that you can ensure you’ll be able to get the heirloom back if you want it.

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4 Benefits To Payday Loans

During your lifetime, you may find yourself struggling to pay your regular bills or to finance an emergency situation. It can be stressful and upsetting having to deal with money issues, and you may feel as if there is nothing you can do to get help. The truth is there are many options out there to help you get the money that you need. A payday loan may be an option worth considering. Take a look at the following information to better understand some of the benefits that payday loans offer.

Get Money Quickly

Depending on your individual situation, you may need money very quickly. It can be difficult to wait for your next paycheck to come if you’re dealing with an emergency or unexpected situation. The good news is that payday loans can be obtained within a matter of minutes. This gets you access to the money that you need right away so that you can have less stress. 

Easy to Qualify for These Loans

These days, many loans are extremely difficult to qualify for. If you have a checkered past or if you’ve struggled with managing your finances during your lifetime, you may not have the best record or credit. This can make it difficult to qualify for a home, auto, or other loan. If you’re looking for an option that you can likely qualify for, a payday loan may be the answer. These tend to have lower requirements in place, making it easier for more people to get the money that they need.

Few Restrictions

A big benefit to payday loans is the fact that the have very little restrictions in place as far as how the money is used. If you choose to take out an education loan or auto loan for example, you will need to use the money for specific purposes. A payday loan can allow you to get money for whatever needs you have. 

Restrictions on Interest Rates

Many states have restrictions in place for how high interest rates can get for payday loans. This can help to keep paying back your loan more affordable. Once you take out your loan, you can come up with a plan to repay the costs once you get money again.

As you can see, there are a number of benefits to using payday loans for your financial needs. If you have any questions, or if you’re ready to take out a loan, contact a payday loan company like 1st Choice Money Center today. 

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What Advantages A Peer-To-Peer Loan Can Provide In Paying Off Student Debt

Whether you need a viable loan source to pay off your current classes or ones that you’re still paying for long after graduation, you may want to consider a peer-to-peer loan.

A peer-to-peer loan is a privately-funded loan that has variable interest rates, often dependent on your credit score. If you have a relatively good score, a peer-to-peer loan can provide interest rates that are well below banks and other lending firms. And though you may not be able to borrow as much money as if you went to a bank, a peer loan can help you get out of debt faster and may be easier than if you sign up with a corporate institution.

So if you’re mulling over your options for repaying student debt, here are the advantages a peer-to-peer loan can provide over traditional lending firms.

The Process Is Straightforward

If you work through a lending intermediary, like Prosper, you get a streamlined way of connecting with a potential investor based on your credit information, employment status, and payment needs. Companies online that specialize in peer-to-peer or alternative finance want to make the process of securing a loan fast, easy, and honest, so you know what you’re getting into before you begin. You simply fill out information regarding your loan request and personal data, which will assign you with a risk assessment and interest rate, and bidding will begin from private lenders to provide you with the funds you need. For payments and concerns, you don’t work with the lender directly, but through the online intermediary.

Rates Fit Better

Because you’re assessed for risk and given a particular interest rate based on your needs and background, you don’t get a one-size-fits-all loan in return. If you have a poor credit history, have applied for multiple sources of credit or loans recently, or if you don’t have exemplary earnings, rates may still be as high as if you were to go to a bank. But if you have a decent history, source of income, and little or no lending background, a peer-to-peer loan will give you a better rate and longer durations of payment. 

People Want To Help

If you’ve been declined in the past or just would like a smaller loan with reasonable interest rates, your faith may be restored by the process of peer-to-peer loans. Peer-to-peer loans are profit-based, so there’s definitely a reason to take on your debt for a short while. But there are also private lenders that participate in peer-to-peer lending to help others get out from debt that continues to amass and the exorbitant interest rates that come through using corporate lenders. Private lending also gives you a connection to an online community, so with borrowing, you may feel a greater obligation to participate in responsible payment processing instead of feeling like you’re enslaved to a financial giant.

For more information about peer to peer loans, contact a company like Modest Money.

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Establishing Good Credit

If you do not have a line of credit, it may be difficult to obtain larger items if you can’t pay for them upfront. Most people use credit cards or take out loans to help finance large-ticket items like homes, cars, or schooling. If you have not yet had to do these tasks, but you know in the future you will, obtaining credit now would be a wonderful way to make sure you are able to buy things when you need them. Here are instructions on how to establish credit if you have never had any.

Start Off Small

Applying for a store credit card, like a Modells credit card, is the best way to start credit history. They are easier to obtain and hold smaller limits so you will not be able to keep charging a lot, possibly getting you into trouble financially. Apply for a credit card at your favorite department store, sporting goods store, or even a pet store. 

When you are rewarded with a credit card, make a small purchase and pay it off before the credit card’s payment due date. Make sure to make payments on time and do not allow the finance charges to escalate or you could find yourself in a position where you cannot pay the minimum payment, leading to poor credit. If you make a small purchase every month or two and pay it off promptly, your credit well be established and you will have a favorable history.

Continue To Build

Once you have had a few payments under your belt, try applying for a larger credit card. Charge something on the card and pay it off right away so you start with a good credit rating with the card. Keep this card for emergency purposes or to purchase things you are positive you can pay off in full when the statement arrives.

If you are denied a second credit card, wait several months before applying for a new one. Multiple attempts at applying for credit cards will signify that you are desperate for credit and they will have an unfavorable impact on your credit history. Continue using your store credit card so your history builds a bit more before trying again.

Consider A Secured Card

If you are denied a store credit card, or if you don’t want to take the risk of being denied, go to your bank to ask if they offer secured credit cards. This option will allow you to get a credit card in exchange for money. This money is deposited into an account for safe-keeping in case you do not pay for the purchases you make on your card.

You will use the credit card in the same way as a normal one, with monthly payments and the risk of finance charges if you do not pay your bill in full. With this card, you may have to pay an application fee and an annual fee. The upside is usually within a year, with regular on-time payments, you will qualify for an unsecured card. Many banks will do automatic evaluations and let you know when you are approved.

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