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Personal loans to repair credit

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Personal loans to repair credit

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Personal loans to repair credit

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Personal loans to repair credit

And then a fourth, and then, finally, in October 2014, a fifth. The loan companies were taking Taylors entire paycheck every two weeks, Taylor said, and he started working odd jobs to make extra money. He even had to write bad checks to buy groceries for himself and his mother. Still, it was impossible to stay on top of the payments. Taylor was searching for a consolidated loan to pay off his debts when he stumbled across the Virginia Poverty Law Center, which offers free legal services to low-income state residents.

The center told Taylor that the types of loans he had been given were illegal in Virginia, where state law says Internet payday lenders cant charge more than 12 percent annual interest without a license.

A lawyer for Silver Cloud Financial, which gave Taylor the first loan, said that the transaction did not break any laws. The lawyer, Robert Rosette, told HuffPost that Taylors loan originated personal loans to repair credit tribal lands and not in Virginia, and therefore was not subject to Virginia state law.

In a statement to HuffPost, Silver Cloud said it was a legal, licensed and regulated entity that follows all federal laws. The lender operates under sovereign tribal law, it said, adding that Native American sovereignty predates the founding of the United States, is enshrined in the United States Constitution, and personal loans to repair credit further codified through federal statutes and hundreds of years of judicial precedent.

Personal loans to repair credit