Payday loans have been in the news a great deal lately with many people arguing that they are dangerous and that they prey on the financially desperate whilst others pointing out that they fill a gap that would otherwise be populated by loan sharks. There is an element of truth to both these arguments. Payday [...]

One of the less well known financial tools available now in the mortgages and loans market is the mortgage modification. Those who do know about them are often eager to get a modification as it can provide access to greatly reduced interest rates, even considering the low interest rates generally available now. While a lot [...]