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The ATR approach, however, also prevents loans to borrowers when the lender determines that the borrower does not have the ability to repay the loan.
The debtor should make a written statement that he or she cannot pay, and include a good reason, such as unemployment.
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If you are in financial difficulty, we strongly recommend that you talk to a company that can offer you free and impartial advice.
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A 20% overall settlement is very good on private loans, but is rare and usually only occurs when loans have been defaulted for several years.
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If you do not have a PayPal account, you can continue to service your account here by using your Bill Me Later user ID and password.
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We will also ask you Next, go to [Borrow > Get a Loan] to prepare your loan request.