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s case, it appears it was indeed at the banks discretion to process the payment when it was received.
You can do this for up to 12 months.
The proposal includes an alternative set of requirements to the ATR approach for originating certain covered short-term loans as proposed in § 1041.
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The government can and will pursue people to the grave.
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But if you miss your payments, you can expect big derogatory marks to hit your score, in addition to the collections activity.