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In short, if you can show that you have 12 months of housing payments "saved up", HARP will treat those reserves as "income".
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The notice prior to a regular scheduled payment would also include the APR of the loan.
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Direct deposit transactions from a credit card account may take up to five days to process, so you likely won’t receive funds immediately.
The intention of this product is for one-off solutions to unexpected financial difficulties, such as broken boilers, garage fees, medical bills, this option as a long term fix for debt problems.
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As with other segments of an institution's loan portfolio, examiners should ensure that institutions maintain an ALLL that is adequate to absorb estimated credit losses within the payday loan portfolio.