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Disaster:  Mortgage
Crisis: Credit Card
Tragedy: Payday Loan
Desastre:  Hipoteca 

Disaster: Mortgage

IT’S A DISASTER THAT’S HAPPENING IN AMERICA.  TRICKY LENDERS PREY ON SENIOR CITIZENS, MINORITIES, THE WORKING POOR AND THE MIDDLE CLASS. DEREGULATION HAS MADE IT LEGAL.  Unaffordable mortgages and loans turn into disasters and borrowers get left out in the cold. The lender promises an affordable monthly payment – but in fact the payments exceed the borrower’s ability to pay. Current laws allow lenders to pack loans with high interest rates and fees.  Foreclosure rates have hit record highs. We must stop unfair and greedy lending practices and demand regulations that ensure fairness and justice for borrowers. End predatory lending now and save the American dream. For more information visit us at WWW.AFFIL.ORG.

Tragedy:  Payday Loan

IT’S A TRAGEDY THAT’S HAPPENING IN AMERICA. IT USED TO BE CALLED LOAN-SHARKING, BUT DEREGULATION MADE IT LEGAL. NOW IT’S CALLED A PAYDAY LOAN.  With no laws to stop them, lenders have a multi-billion dollar business that targets anyone living from paycheck to paycheck, from the working poor to the middle class to our military. Payday loans roll over an average of 10 times before they’re repaid – and they result in paying many times more in fees than the amount of the loan itself.  Unaffordable loans turn into disasters and borrowers get left out in the cold.  End predatory lending now and save the American dream. For more information visit us at WWW.AFFIL.ORG.

Crisis:  Credit card

IT’S  A CRISIS THAT’S HAPPENING IN AMERICA.  Credit card debt is like quicksand to people facing hard times – easy to get into and hard to get out of.  But their debt is hugely profitable to lenders.  And deregulation made unethical lending legal.  One late payment – even to another credit card – triggers much higher interest rates.  They jump up and stay there.  Unaffordable loans turn into disasters and borrowers get left out in the cold. Credit card companies target families who are having trouble making ends meet and encourage them to use credit to pay medical bills and buy food. It’s predatory lending and it’s wrong. We must change the laws that allow credit card companies to prey on us all. End predatory lending now and save the American dream. For more information visit us at WWW.AFFIL.ORG.

Desastre:  Hipoteca

LO QUE ESTÁ PASANDO EN ESTADOS UNIDOS ES UN DESASTRE.  PRESTAMISTAS ENGAÑOSOS SE APROVECHAN DE LAS PERSONAS DE EDAD AVANZADA, DE LAS MINORÍAS, DE LOS TRABAJADORES POBRES Y DE LA CLASE MEDIA. LA DESREGULACIÓN HA PERMITIDO QUE ESTO SEA LEGAL. Préstamos hipotecarios y otros préstamos que están fuera del alcance de las personas terminan en un verdadero desastre, dejando a aquellos que solicitaron el préstamo a un lado, olvidados. El prestamista les promete un pago mensual a su alcance - pero la realidad es que los pagos superan su capacidad de pagar. Las leyes actuales permiten que los prestamistas les apliquen a los préstamos tasas de interés y otros recargos altos. Las tasas de embargos o ejecuciones hipotecarias han batido récords. Es hora de ponerle el alto a las prácticas injustas y codiciosas en los préstamos y exigir regulaciones que aseguren equidad y justicia para todos aquellos que obtienen préstamos. Pongámosle fin a las prácticas abusivas en los préstamos y protejamos el sueño Americano. Para obtener más información visítenos en WWW.AFFIL.ORG.