Alabama Free No Fax Payday Loans

Alabama Payday loan laws. Alabama Payday loan legislation.

Alabama has specific payday advance laws. The permitted fee is

17.5% of the amount advanced. The permitted time period is a

minimum of 10 days and a maximum of 31 days.

The maximum amount of the payday loan allowable is $500.00. No

more than one rollover is allowed.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to PaydayLoanIndustry.com



Payday loan Businesses Launch Offensive

More than 200 title loan and cash advance businesses in Alabama

have started an advertising and education campaign with the goal

of reversing negative press about their lending practices.

Member stores, who established the Alabama Council for Fair

Lending, announced a campaign they call "Borrow Smart Alabama".

It includes television and radio commercials, along with in-

store education discussing consumer financial education.

"Our industry has been mislabeled and misunderstood by advocacy

groups who say they want to help low-income residents of our

state," said Charles Hunter, spokesman for the council, in a

news release.

The Alabama Council said they agree to a code that promises

fairness, honesty and integrity in all practices.

Hunter said their businesses help many people "get back on their

feet" to re-establish their credit and without their loans, they

would "have nowhere else to turn in a financial emergency."

"We intend for this campaign to communicate the truth about our

industry and to bring our stores together to reaffirm our

commitment to our customers," he said.

"Our industry has been mislabeled and misunderstood by advocacy

groups who say they want to help low income residents of our

state. The truth is our services help many of our customers get

back on their feet or reestablish their credit." Charles Hunter,

Spokesman for the Alabama Council for Fair Lending

The association is publishing video testimonials and written

statements from customers who have used short terms loans.

The Council for Fair Lending, a trade association of Alabama-

based payday loan and title loan lenders, launched a statewide

campaign today to encourage consumers to use the more than 200

member stores in Alabama that have committed to educating

borrowers and helping them work toward financial stability.

The campaign, Borrow Smart Alabama, will include statewide

television and radio commercials along with in-store customer

education.

The Council for Fair Lending was established in May of 2007 to

enforce "accountability within the industry as well as a need to

better educate Alabama residents and members of the media about

the important services short term lenders provide to their

customers."

"Our industry has been mislabeled and misunderstood by advocacy

groups who say they want to help low income residents of our

state," said Charles Hunter, spokesman for the Council. "The

truth is our services help many of our customers get back on

their feet or reestablish their credit. Without us, they would

have nowhere else to turn in a financial emergency. We intend

for this campaign to communicate the truth about our industry

and to bring our stores together to reaffirm our commitment to

our customers."

All members of the Council for Fair Lending have agreed to a

Code of Fair Lending to which stores must adhere. This code

promises fairness, honesty and integrity in all business

practices:

We, the members of this association, in order to best serve the

citizens of this state, recognize and adopt the following

operating principles:

* All customers will be treated with concern in an honest &

professional manner.
* All customers will be fully informed of their borrowing rights

& obligations.
* We will promote the responsible use of credit and strive to

educate our customers on their financial choices.
* Our employees will treat all customers with courtesy, fairness

& integrity and will respond to any complaint about our service

promptly and directly.
* We will protect our customer’s rights to privacy with respect

to personal information.
* We will honor and respect members of active military & their

dependents. The Department of Defense’s regulations on loans

will be strictly adhered to.
* We will comply with city, county, state and federal laws and

keep our customers informed of the regulations that govern our

actions.
* We will exercise compassion to cash advance customers when

warranted by offering repayment options before proceeding with

civil collections. Title customers whose vehicles are

repossessed will be offered options to retrieve their vehicles.
* We will offer reasonably affordable loans to customers on

fixed incomes.
* We will not allow customers to roll over a loan unless

authorized by state law.
* We will give our customers the right to rescind, at no cost, a

new loan on or before the close of the next business day.
* We will prominently display the Borrow Smart seal in all of

our stores and adhere to the Borrow Smart Alabama Code of

Customer Service.


The association is publishing video testimonials and written

statements from customers who have used short terms loans.

Customers were asked to submit comments on their experience with

Borrow Smart member stores in June and July. More than 70

customers offered comments, all sharing positive experiences

with short term lending.

Stores participating in Borrow Smart Alabama and adhering to the

Code of Ethics can be identified by the Borrow Smart seal on

their doors and inside the stores. Brochures available in the

stores will educate consumers on smart lending practices. The

Borrow Smart Code of Fair Lending is available only at Borrow

Smart approved stores.

"We strongly believe that short term lending is the best choice

for some consumers, but we also know that there are sometimes

alternatives that would provide smarter solutions," Hunter said.

"We want to make sure consumers are coming to Borrow Smart

stores where they will get all the information they need to make

the right financial choice."

The Council for Fair Lending represents 200 member stores in the

state of Alabama.

For a thorough discussion of the payday loan industry and access

to our no fax payday loan training materials, we recommend you

proceed to PaydayLoanIndustry.com

Citation:
Ala. Code § 5-18A-1 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 10-31 days
Maximum Finance Rate and Fees: 17.50%; 3%/month after default
Finance Charge for 14-day $100 loan: $17.50
APR for 14-day $100 loan: 456.25%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: None (max $

amount of loans at one time: $500)
Rollovers Permitted: One (rollover)
Cooling-off Period: Next business day after 2 continuous loans

repaid
Repayment Plan: Yes

Collection Limits:
Collection Fees: One $30 NSF fee; Court Costs; Reasonable

Attorney's Fees up to 15% of face amount of check
Criminal Action: Prohibited (Unless check returned due to closed

account)

Children Ruining The Planet! - Adding To Global Warming!

Once I began reading this alarmist story I couldn't put it down. It was such a fascinating piece of fiendish propaganda I was in awe. The journalistic fraud and scientific quackery here is as stunning as it is ghoulish.

Large Families Ruining the Planet, Environmentalists Claim This from Britain’s Optimum Population Trust (OPT). In order to stop global warming, people should recycle, drive smaller cars and limit procreation.

“The most effective personal climate-change strategy is limiting the number of children one has,” the report states. “The most effective national and global climate-change strategy is limiting the size of the population.” Does this sound familiar? Does communist China ring a bell?

John Guillebaud, co-chairman of OPT, claimed if a couple has two children instead of three, it cuts the family's carbon dioxide output by the equivalent of 620 return flights from London to New York each year. Did you catch that? 620 flights per year? Let's do a little math! Their fuzzy outlandish math always intrigues me. (Not really)

The average person uses about 1.3 gallons (US) of gas per day. If we cut one child out of the family we will save at most 1.3 gallons per day (approximately 420 gallons/year). If that child lives the expected 78 years he or she will use 32,760 gallons over a lifetime. (As long as they are not Al Gore who has used millions.)

Commercial airliners bound from London to New York use a lot of fuel. The larger the aircraft the more fuel consumption. (Generally speaking) Let us assume John Guillebaud, co-chairman of OPT was referring to a smaller commercial airliner. A Boeing 757 will burn about 15,000 gallons (US) with a light payload. At 620 trips we can estimate the fuel consumption to equal 9,300,000 gallons. Now we must bear in mind that Mr. Guillebaud said that one child less will cut this amount each year!

Only Al Gore could use this much fuel each year and get away with it. A baby has no chance. The global warming fanatics would be and are calling for it's extermination. What other gems do they have in store for us ignorant readers?

"The effect on the planet of having one child less is an order of magnitude (an order of magnitude?) greater than all these other things we might do, such as switching off lights,” he said. “The decision to have children should be seen as a very big one and one that should take the environment into account.” In the western European nations we already have less than two children per household! Why doesn't he take his message to Mexico or some other third world nation where they have large families?

What is their agenda? Population control? Do they want to reduce the population of western nations even more? You can count on it! These people are fellow travelers and comrades of "responsible nations" such as communist China.

China says one-child policy helps protect climate Source: Reuters

Some scientists say that draconian birth control measures such as China's are wrongly overlooked in the fight against climate change, when the world population is projected to soar to about 9 billion by 2050 from 6.6 billion now. For those who don't know China has a global friendly policy of forced abortions for anyone daring to defile mother Earth with another baby. Are these ghoulish kooks suggesting that we adopt forced abortions and mandatory sterilization of women just like good old China? Let's see what the head of the U.N. Climate Change Secretariat has to say.

"Population is clearly an important factor," (In global warming) said Yvo de Boer, head of the U.N. Climate Change Secretariat, at U.N. talks trying to plan a new deal to combat climate change after 2012. Did you catch that? The U.N. is trying to plan a new deal (concerning population) to combat climate change.

“This is the extreme, utterly bizarre end of the environmental movement that you see in science fiction movies,” Dan Gainor, director of the Business & Media Institute said. “That’s how they view human beings – but conveniently never themselves. They think they’re the great enlightened ones.” How true!

This policy of depopulation of sacred mother Earth is near and dear to the U.N. Your babies or future babies are in their sights.

This sort of outrageous propaganda should be labeled by all as a tell of the demonic agenda planned ahead. I say:

"Get the U.N. out of the US now!

Ex-Clinton Official Ties Minneapolis Bridge Collapse to Global Warming

Oh, how I wish, I wish, I wish I were creative enough to make this stuff up! Just when you thought you'd heard it all. This is soooo bizarre and asinine I would have thought even the Gor(acle) faithful would reject it. Not so. Yes you read it right, the faithful are trying to blame the Minnesota bridge collapse on you and I. We make such handy villains in all of their stories. Here's how it goes. Are you ready for this thrilling chilling (I mean warming) ride in liberal logic?

First from Climate Progress.org The Latest on Climate Science, Solutions, and Politics

Did Climate Change Contribute To The Minneapolis Bridge Collapse?

A former member of the Clinton administration, and current Senior Fellow at the virtual Clinton think tank the Center for American Progress, (code for progressive) claimed Monday that global warming might have played a factor in the collapse of the I-35W bridge in Minneapolis.

Writing at Climate Progress, the global warming blog of CAP, Joseph Romm (above) - who served as Acting Assistant Secretary of the U.S. Department of Energy in 1997 and as Principal Deputy Assistant Secretary from 1995 though 1998 - stated in a piece incredibly entitled "Did Climate Change Contribute To The Minneapolis Bridge Collapse?" (Note how the question is posed in the affirmative, which is used to elicit an affirmative answer.) Mr. Romm states:

I was skeptical at first, but after doing a Google search - and after NBC reported Sunday that National Transportation Safety Board investigators are "looking at everything" including "the weather" - I think it is a legitimate question to ask.

As I have pointed out in other articles, to the faithful any adverse event may be legitimately attributed to Anthropogenic Global Warming. (AGW) AWG, that's one of their big fancy words they craft to make them look and sound authoritative - smart. It means man-made global warming where I'm from. But wait, not to be outdone in the anthropo-hate speech is another one of the AGW faithful to further bless the newest holy proclamation.

This absolute jewel of liberal logic from Melissa Hortman (D-MN)

Melissa Hortman of the Minnesota House of Representatives and long time greenie - “speculated that 90-plus-degree heat Wednesday and the above-normal temperatures of the past two summers may have been a contributing factor,” and said “You wonder if this bridge was built to withstand the massive heat we have had this summer.” Or even if it was built to withstand heat, whether its structural deficiencies undermined the design integrity to a point where heat contributed to the collapse.

Did you catch what she said? “You wonder if this bridge was built to withstand the massive heat we have had this summer.” It was 91 degrees that day. Steel doesn't begin to weaken till the temps reach in excess of 570 degrees Fahrenheit. I don't recall seeing weather reports of 570 degrees for that day. She calls 91 degrees massive heat? By her standards of massive heat we should be seeing bridges falling everyday here in the desert southwest where I live. Our temps are above 105 (14 degrees more) most every day.

According to NOAA stats on Minneapolis weather the 2006 summer was hotter than this summer. (2007) Why didn't the bridge collapse in 2006 when it was warmer and the heat was much more "massive"?

Engineers design these all-weather bridges with extreme conditions in mind. They allow plenty of leeway for high temp thermal expansion in the joints. There would not have been structural buckling due to so-called "extreme heat" that day.

I don't pretend to know what caused the bridge to collapse. I don't have the facts. How is it they are promoting the least likely and most preposterous cause and getting away with it? That's like me blaming the stock market plunge on say Al Gore charging 100,000 per global warming lecture. (of which he has given over 1,000) He has made hundreds of millions off of his Church of the Immaculate Gor(acle) faithful. This is draining the economy of his followers, and adversely affecting the stock market. Now, he is also flying around giving his holy pronouncements and using up lots, and I do mean lots of fuel so this drives up the cost of gas and hurts would be investors even more.

You get the picture. As much as I would like to blame Al Gore I can't, it would be just plain nonsense. But, somehow they get away with this same sort of hyperbole constantly. I hope (and I have no doubt) Al Gore will make billions off of his useful idiots.

Don't feel too bad about yourselves there is redemption, you too can buy "Carbon Offset Credits" from Al Gore's firm and receive Gaia (Mother Earth) forgiveness for the right amount of protection money.

As long as anything bad happens in the world you can bet the Gorleones will be there to accuse, extort and offer protection for a price. And all of this while you and I are made out to be the villains and they are the global saviours! How incredibly ironic! Just you never mind that the Gorleones use more fuel in a week than we will use in our entire lives. Feel guilty yet?

Global Warming Hoax Exposed: Polar Bears In Peril

Another Global Warming Hoax Exposed: Polar Bears In Peril - On The Brink Of Extinction

I don't want to elaborate on this expose too much for fear I may take away from the overall message of the video below. The message here is loud and clear. The global warming fanatic fringe will concoct, foment, advance, endorse, coddle, and promote any lie no matter how brazen or manipulative in order to further their agenda. The proof is in the video below.



Now we should be asking; why don't we see any reporting exposing this outright fraud? Why isn't anyone confronting Al Gore on this inconvenient lie? Are forces conspiring? You bet!!! When the truth is suppressed on such a large scale as seen in the video above you can be sure much mischief is well afoot.

So, we can be good global citizens and just pretend not to see the truth here, or we can acknowledge it and tell those we care about. Tell them the truth. They/we are being indoctrinated!

The global warming crowd lies, deceives, and manipulates the masses (as seen in the articles on this blog) constantly and unashamedly. This is not the spirit of love or caring. They are not lovers of truth or even their fellow man as they would have everyone believe. In all forms of human relations love and respect are built upon the foundations of truth and transparency.

They are like an abusive spouse who when caught in lies attack out of fear of being exposed. Their position is based in fear and loathing of their fellow man. Just listen to the way they indict humanity for all of the worlds problems real or not. You never hear anything positive about humanity from them. They are the haters!

Remember that if the good people do nothing the abusive fanatics will win just as Hitler proved. Silence is consent!