Bad Credit Loans Review

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BadCreditLoans.com has been in the business of helping people since 1998. They make it simple for consumers to get the funds they are looking for online.

The company offers: 

  • Bad Credit Personal Loans
  • Bad Credit Business Loans
  • Bad Credit Credit Cards
  • Bad Credit Mortgage Loans
  • Bad Credit Home Loans
  • Bad Credit Student Loans
  • Bad Credit Auto Loans

Bad Credit Loans Rates and Fees

MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

$5,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

5.99%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, secured
Terms

Terms

It’s the period of time within which you are to pay off your loan.

3 - 36 months
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

35.99%
MIN Loan Amount

MIN Loan Amount

It’s the minimum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$500
Turnaround Time

Turnaround Time

The time within which you are to get the money.

Varied
Find out moreApply online
MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$5,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

5.99%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
Terms

Terms

It’s the period of time within which you are to pay off your loan.

3 - 36 months
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

35.99%
MIN Loan Amount

MIN Loan Amount

It’s the minimum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$500
Turnaround Time

Turnaround Time

The time within which you are to get the money.

Varied
Find out moreApply online

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At Bad Credit Loans, they understand that there are emergencies no one can plan for, and they aren’t limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own. However, as long as you’re working, they have the resources to lend you a helping hand no matter if your credit is good or bad. They want to help inform you on making responsible lending decisions and then connect you to available lenders and financial service providers if you feel a bad credit loan would be right for you.

Contents:

BadCreditLoans.

Why choose BadCreditLoans?

BadCredit Loans Payday Loans and Personal Loans.

Bad Credit Loans Can Help. 

It’s the people who are struggling that really need the personal loans, not those with the spotless credit histories who are paying all their bills on time. A perfect spending history simply isn’t possible for many American households, especially in times like these. No matter how well you’ve planned your budget and spending strategies, they can still be thrown off by one unexpected car repair or other emergency when already living paycheck to paycheck.

An installment loan can get you to your next paycheck when there are no other solutions.

Fast, Convenient Loan Requests

Online system makes it simple to submit a request for a loan. Just fill out our fast and convenient online loan request and you can get a personal loan offer in minutes from our network of lenders and financial service providers. Your approved loan can be deposited electronically into your checking account in as fast as one business day.

There’s no waiting for approvals or checks in the mail. And remember, our network of lenders and financial service providers works with people with good and bad credit.

Simple Qualifications

Submitting a request for bad credit loans is very straightforward. They require that you’re a legal citizen and an adult (age 18 or older). You’ll need to provide some other basic information for the transaction to take place, such as a valid email address, working phone number, and the bank account where you’d like the money transferred. Please note that meeting these requirements does not mean that you will be connected with a lender.

Combining a fast online form and loan process with an equally fast delivery system makes requesting a bad credit loan uncomplicated.

More Than Just a Loan

On the website besides loans you are offered a variety of free, expertly written articles explaining every part of the loan process. You can also find articles replete with:

  • Tips on when to take out a loan
  • How to spend the funds responsibly
  • How to budget your future income in order to pay off a loan quickly

BadCreditLoans.com Pros and Cons. 

Pros
  • Available for bad credit.
  • Apply at no cost and with no obligation.
  • Claims to practice responsible lending.
  • Private and secure
Cons
  • Loans come with high interest rates

BadCredit Loans Payday and Personal Loans at competitive rates. 

Bad Credit Loans isn’t a lender and doesn’t provide unsecured loans, but it refers consumers to lenders and financial service providers who may provide such loans. A personal loan from a lender or financial service provider in our network often ranges between 5.99% and 35.99%, although APRs vary according to the information that is supplied by you in your loan request. Your lender will provide you with the APR, loan fees and other terms when you are redirected to your loan agreement during the loan request process. For help with any Bad Credit Loans–related services, feel free to contact us.

The APR on a personal loan from our network of lenders and financial service providers often ranges from 5.99% to 35.99% percent depending on exactly how it is calculated by your lender or financial service provider, the duration of the loan, any loan fees incurred, late payment penalties, nonpayment fees, loan renewal actions and various other factors. Please keep in mind that the APR range and your finance charge are not one and the same. The latter will be disclosed later on in the loan request process.

Does applying affect your credit score?

Although Bad Credit Loans does not make credit decisions, the company may do a soft credit inquiry as part of the process. Personal Loan lenders in the Bad Credit Loans affiliate network may conduct a non-traditional credit check in addition to a conventional credit inquiry from the 3 major credit bureaus (Trans Union, Experian, and Equifax) to determine your eligibility for a personal loan. If you do not pay back your loan on time your lender may choose to report this delinquency to one or more credit bureaus, with the end result being that your credit score could be negatively affected. Consumers should consult a credit counseling company in the event that they are experiencing credit problems.

BadCreditLoans Personal Loans

Emergencies, like a bolt of lightning, can strike with little to no real warning. It’s difficult to prepare for situations you cannot foresee coming, especially when finances may already be tight. In the past, gaining access to loan funds required a pile of paperwork and a stellar credit history. Bad credit personal loans, however, can now be obtained quickly and without any credit score requirements. These loans are an ideal solution for solving a pressing financial crises.

We Are Ready to Give You a Helping Hand

We understand that bad credit often cannot be avoided. Some months, there may not be enough money for every bill, so some debts payments are delayed, which adversely affects your credit score. Few people have been untouched by either an employment issue or a personal issue that does not impact their ability to pay their bills. Over time, the little delays can add up, and may not allow some to qualify for the loans they need to get by.

Your bad credit need not prevent you from getting the loan you need. We are one of the country’s premier services for people who need bad credit personal loans, and we are committed to remaining at the top. We intend to reach that goal by connecting consumers in need with loans that are easy to acquire and by funding those loans quickly.

No Collateral? No Problem!

There is no need to worry about collateral when submitting a loan request. We will not ask for the title to your car or any other form of security. You can maintain possession of your property and still obtain the loan you need.

Staying Responsible With Your Finances Now Will Help Them in the Future

It is important to remember that, just because a bad credit personal loan may be easy to obtain, it is not meant to be used for anything other than emergencies. Bad credit personal loans are not the best way to get money for something less important, like a new TV.

Here are a few situations where getting a personal loan would be optimal

  • You may need to pay an unexpected bill.
  • The family car may need immediate repairs.
  • An electric or water bill, if left unpaid, that could result in a disconnection of service.

Whatever your emergency, we can connect you with loans to help you make it through your current financial crisis.

National Network of Lenders Works with Bad Credit

We understand that you have choices when it comes to personal loans. We work with a national network of lenders that works with bad credit.

Get Your Loan as Fast as the Next Business Day, If Approved

When you need a loan you certainly do not want to wait weeks for the money. Using our electronic loan request service, loan funding can be accomplished as fast as the next business day under certain circumstances. The loan request is simple and straightforward. There are no surprises. Our online loan request can usually be completed in less than five minutes. It only takes a few more minutes for your loan request to be processed.

When you need a fast and simple loan, consider all that we have to offer:

  • All credit score welcome
  • No collateral requirement
  • Easy loan request form.
  • Online processing
  • Quick Loan Request Decision
  • Rapid disbursement

For your emergency financial needs, there really is no better option. We understand that good people sometimes have bad credit. We will work hard to make your loan experience an ideal one. You need assistance now, and we offer the fastest service you can find.

BadCreditLoans Business Loans

America depends upon the small-business owner; your success benefits all of us. However, it can be difficult to find a lending source for your small business if your credit is less than perfect. Banks are often unwilling to help until your business is well-established. Perhaps that initial startup loan was relatively easy to come by. But once you are in business and need to expand or purchase new equipment, that initial loan is long gone. Because of limited cash flow, regular monthly payments may become delinquent. This only serves to hamper your chances of obtaining a business loan.

That struggle is intensified if your business has bad credit, yet bad credit is common among new businesses. So, the bank isn’t willing to help. Your personal credit may already be suffering (most lenders look at the combined credit of business and personal credit). Where does that leave you? A good option is to submit a loan request for one of our bad credit loans.

Business Loans

Business loans are often your best option when you need financing for your small business right away. Unlike with banks, who may take weeks to render a credit decision, with us you can have fast access to the money you borrow through one of our bad credit loans.

Take just a few minutes to complete and submit our online loan request. Upon approval, you can have fast access to your unsecured bad credit loan. Not only can our lenders process loans faster than banks, but they can also offer repayment options that may be flexible enough to meet your needs.

No Collateral Required

The fact that we do not require you to put up any collateral represents another significant difference between BadCreditLoans.com and going to a bank for a loan. Loans from our network of lenders and financial service providers are unsecured, so you retain possession of all of your property.

The ability to help you obtain a fast loan is what sets us apart. Using our online loan request form accelerates this already fast loan process. And processing your loan electronically allows our lenders to provide some of the fastest loan services anywhere for bad credit business loans. Electronic processing eliminates the need for standard paperwork, which means fewer hands getting involved to slow the process down.

If you are in business for yourself, you have a unique set of financial needs. Whatever the reason you need them for, bad credit business loans can provide you with the cash necessary to solve your cash flow problems. You may use the money to do the following:

  • Meet payroll
  • Expand
  • Buy materials
  • Purchase new equipment
  • Make needed repairs

Many small businesses fail because they are unable to pay taxes and insurance when they become due. Do not let this happen to your business. Let us help you find a loan to allow you to pay your taxes, insurance and other bills before they become delinquent.

Easy Loan Request and Rapid Loan Request Decision

You will be glad to know that with so many lenders in our network, you chances of being approved for a bad credit business loan are better than you might expect. Don’t forget that we will not require collateral. You won’t get that kind of service from a conventional bank.

If your small business needs money for any reason, you can turn to us to connect you with our lender network. We work with reputable lenders and are committed to providing excellent service to you for years to come. Our goal is to connect you with a loan that can work for you.

You have already invested so much in your business, so why not take a few minutes to complete our brief online loan request form? The money you need to keep your small business afloat is just a few keystrokes away.

BadCreditLoans Credit Cards

Bad credit is a problem that plagues millions of Americans. To many individuals, their credit rating may just be an arbitrary number that sums up their financial standing, but in reality it is an important number that speaks to an individual’s financial health. A bad credit rating can prevent people from getting the financial help they need. Lenders aren’t going to give their money to people with a poor credit rating for fear that they will never see that money again, yet those with poor credit are often the ones most in need of money to help solve or avert financial problems.

When You Need a Line of Credit

When individuals are facing financial challenges, it becomes difficult to overcome these hurdles without cash. Unfortunately, those with bad credit are almost universally denied loans by banks and other traditional lending institutions. They usually have access, however to credit cards, which are both a source of financial strength and a potential financial pitfall. With fewer retail and other businesses accepting checks these days, credit cards are a must for any individual wishing to pay for goods and services. What options are there, though, for those with bad credit?

There are actually a wide range of bad credit credit cards available to help individuals with poor or no credit pay for goods and services. The purpose of any bad credit credit card is to allow individuals the access to credit they need without risking further damage to their credit rating or debt they cannot handle.

Credit Cards Designed Specifically for Your Situation

Most credit cards are only available to those with good credit, leaving those with bad credit out in the cold. However, a bad credit credit card is available regardless of an individual’s credit standing. The credit card request process is quick and easy. To get the credit card request process started individuals need only provide the following information:

  • First and last name
  • Desired loan/credit amount
  • Email address
  • ZIP code

Once a request process has been started individuals will need to choose between the various types of bad credit credit cards. There are several different types of these cards available, and the type that an individual chooses to obtain will depend upon just how fragile their financial standing is. The typical options for bad credit credit cards include the following:

  • Prepaid credit cards
  • Secured credit cards
  • Debit cards

Not every type of bad credit credit card will be a good option for every individual. A brief look at these three main types of cards should help any individual determine which card can help for their financial situation.

Prepaid Credit Cards

A prepaid credit card is exactly what it sounds like. Individuals deposit a set amount of funds directly onto their card and are free to spend with the card just like any other card. However, the card is no longer usable once the individual uses up all the money on the card. This type of card may help those trying to build a credit rating, as not everyone has cash in hand to deposit onto a card to begin with. Prepaid card users should be aware though that these cards often carry high fees, so it is important to spend wisely.

Secured Credit Cards

Secured credit cards are often issued by banks or credit unions and require individuals to open an account with the institution and deposit funds in the account. These funds are held as an insurance of sorts by the bank in the event that bills cannot be paid. Just like prepaid cards, secured cards carry high fees as well.

Debit Cards

Debit cards work differently than both of these. In order for a debit card to work individuals must already have funds in the checking account attached to the card. When a purchase is made the money is drawn immediately from the account. These cards are also good for those with bad or no credit because it limits their spending to the money they currently have.

You Can Get the Help You’re Looking For

Bad credit credit cards are issued by all the major credit card companies across the world, such as Visa, MasterCard and Discover, and they can be used just like any other credit card. Most of the companies report to credit bureaus on a monthly basis, meaning those with bad credit or no credit can swiftly repair their credit rating while working their way out of debt with a bad credit credit card.

BadCreditLoans Mortgage Loans

Bad credit mortgages can potentially provide relief to those with poor credit histories who already own a home through refinancing, or they can offer those who have bad credit and want to buy a home the opportunity to make one of life’s biggest purchases.

We Can Help Get You Through Trying Times

At the center of the economic collapse that struck the global economy in late 2007 was the crash of the American housing market. During the booming years earlier in the decade, home loans were being passed out with little thought of what was going to become of these mortgages years down the line. When the bubble burst millions found themselves facing foreclosure, repossession and homes worth less than was owed on them. Individuals with poor credit were particularly hard hit as they had received the majority of the mortgages that ended up becoming upside down. There is still hope for those with bad or no credit to buy a home, though, through a bad credit mortgage loan.

What Bad Credit Mortgage Loans Can Do for You

For those who already own a home and are struggling with high mortgage payments and increasing interest rates, mortgage loans can provide the following:

  • An opportunity to repair and rebuild their credit rating
  • The chance to consolidate all their bills into one, low monthly payment
  • Freedom from constant financial concerns
  • A shot at extra cash when needed for home repairs and improvements

For those who have been renters their entire life, the dream of owning a home doesn’t have to come to an end simply because they have less-than-perfect credit. Bad credit mortgage loans are also available to those who have never owned a home before.

Getting Started

When individuals come to the conclusion that they are ready to refinance or obtain their first loan, there are a few steps to follow when looking for a bad credit mortgage loan. Before seeking out a loan from a traditional lender or online, individuals need to know where they stand creditwise. Obtaining a credit score from each of the three credit bureaus is an important first step. The three credit bureaus are as follows:

  1. Equifax
  2. Experian
  3. Transunion

This step allows individuals to view their credit score and try to find any inaccuracies and get them cleared up before submitting a request for a bad credit mortgage loan. Individuals can then provide a copy of their credit score to lenders when shopping around, instead of approving lenders to pull their score. The more frequently a credit score is pulled, the greater the potential for further damage to an already poor credit score.

Staying Safe Online

Using BadCreditLoans.com to get the money you need means that you can always conduct your business with reliable lenders. Shopping online for a bad credit mortgage loan is perfectly acceptable, but individuals do need to be wary of deals that are emailed to them without being requested. The deals offered in these emails are often unrealistic, and there is no way of knowing for sure how reputable those on the other end of that email are.

Look for a Loan That Can Work for You

Perhaps the most important thing to keep in mind while shopping for a bad credit mortgage loan is the length of any deal. There is a big difference between mortgages for those with good credit and those with bad credit. Those with bad credit shouldn’t get locked into fixed rates with long-term payment schedules. Instead, those in need of a bad credit mortgage loan need to look for adjustable rates with shorter two- and three-year payment schedules. Making payments on time will help to repair credit standing and allow the individual to find a longer-term good credit mortgage after a few years.

BadCreditLoans Home Loans

So that dream house you’ve been longing for just went on the market, but then the reality of your credit score sinks in. Don’t despair — there are options for people with credit issues. Bad credit home loans may be the right choice for you.
With the ongoing recession, many people are having credit problems. You are certainly not alone if you are experiencing financial problems that are affecting your credit history and score. Bad credit should not prevent you from purchasing a new home — you can get assistance in obtaining that dream house by requesting a loan. It all begins with a simple online loan request, after which you can be connected with a reliable lender who may be able to provide you with a loan.

Benefits of Bad Credit Home Loans

Here are some of the primary benefits of obtaining loans through BadCreditLoans.com:

  • We provide a free service that aims to connect customers with loans that may work for them.
  • You can complete our online loan request in minutes. 
  • You can receive approved loan funds as fast as the next business day.
  • Bad credit will not prevent you from getting a loan. We are here to help people exactly like you.
  • You may qualify for a loan of up to $1,000 as fast as the next business day.
  • We protect your personal information with advanced encryption technology.
  • No fax machine is needed.  Your home or office computer can be the means to submitting a loan request you need to help purchase your new home.
  • You can build a relationship with a trusted lender. You will have a place to turn if you should need other loans in the future. As long as you are at least 18 years old and have your own checking account and a regular income, you can submit a request for a loan, despite your credit history. You will also need to provide an email address along with home and work phone numbers.
  • Our lenders are always available to assist you with a bad credit home loan, one that can make the difference in securing a home that your entire family can enjoy for years.
BadCreditLoans Student Loans

Many times in life, people are held back from realizing their dreams due to lack of finances. If you would like to further your education or take additional classes to pick up more skills, you will most likely need a loan in order to do so. But if you are plagued with credit problems, you may think that getting a loan is not an option. If you feel this way, you are wrong. Bad credit student loans are available, and we can provide you with the opportunity to acquire one so that you can continue with your education.

A credit score is not necessary for this type of loan, so you cannot be turned down due to credit issues. If approved for a loan, you will also be provided with money very quickly, as the providers in our network offer direct deposit and can often have your funds in your account as soon as the next business day. You will have the assurance of knowing that you have loan options open to you that you may not even have realized existed.

The Benefits of Bad Credit Student Loans

Here are some of the benefits you can look forward to if you acquire one of our student loans:

  • We make a reasonable effort to work only with reputable lenders.
  • Requesting loans through our service will be a very convenient and easy experience. You may be able to receive an approved loan of up to $1,500 as soon as the next business day.
  • You will not require a fax machine. Your computer will be all that is needed to submit a loan request. Conducting business via your own personal computer and in the comfort of your home or office.
  • We protect your personal information with advanced encryption technology.
  • In order to request a loan, you will only need to have a valid checking account and a regular income. You will also need to be 18 and have operating work and home telephone numbers and a valid email address.
  • Our loan request process is quick and convenient and can be completed online.

Let Us Help You Attain Your Educational Goals

Acquiring loans when you have bad credit can be a struggle, but we can help you in ways that will make the process easier. We understand how it is to have goals in life and to be held back from attaining those goals by credit problems that may not even be your fault. If you are a student in need of a loan and are seen as a bad risk by many lending agencies, we are here to help you. Even if you are an older individual who has been working for some time and has decided to go back to school, there is no reason that you cannot do so. Student loans are meant to help all students, not just those who have recently graduated from high school and are heading off to college.

Bad credit student loans can be of great assistance in helping you to the next level of furthering your education. You owe it to yourself and your family to take advantage of whatever options are presented to you that will help you to improve your lifestyle. A quality education can do just that, and we have the means of making it happen. Fill out a loan request today and get started on your new life.

BadCreditLoans Auto Loans

Is trying to get an auto loan driving you crazy? If you are one of the millions of Americans with weak or damaged credit, you may have previously had some difficulty obtaining an auto loan. Until recently, people with bad credit did not stand much of a chance when it came to obtaining financing for a new or used automobile. Relax. We can help you get the loan you need.

Bad Credit Auto Loans: Available to You Regardless of Your Credit History

The recent economic downturn has caused more and more individuals to develop negative marks on their credit reports. To address this problem and assist a growing segment of the population, our lenders have created programs to provide bad credit loans to virtually everyone.

Bad credit is often the result of a change in working conditions. When a job loss occurs, an individual’s credit score usually suffers. Even without a termination notice, layoff slip or reduction in pay, everyone has been affected by the recent economic conditions in our country. The price of everything has gone up and it is sometimes difficult for our salaries to keep pace with rising prices. Illnesses and family situations may have an impact on your ability to pay your bills. The reasons for bad credit are numerous.

Even after you have regained your financial footing, you may have found that various lenders have been hesitant to extend you the credit needed to purchase a new car or truck. Negative marks can remain on your credit report for seven years or longer. When you find yourself denied a traditional car loan, bad credit auto loans can help. Lenders routinely approve loans to individuals with a variety of credit ailments. People with bad credit, slow payments, charged-off accounts, garnishments, liens, repossessions and even bankruptcies can be approved for a bad credit auto loan.

Our Lenders Are Here to Help

Our bad credit auto lenders will work with you to help you get the auto financing you need. Your bad credit need not preclude you from getting the vehicle you need or taking care of an auto repair. Best of all, today’s rates for poor credit auto loans are much more attractive than in times past. Sure, you are going to pay a higher interest rate than if you had perfect credit, but our lenders will work with you. We not only want to finance your vehicle, we want that payment to be one that you can actually afford.

If you have ever requested a car loan through a dealership, you know the agony of waiting while your credit is checked. Then, when the report comes in and your request is denied, you leave the dealership feeling defeated. Those days are over! Submit a loan request online and walk into the dealership knowing that you have the means to buy the car that you want. You are free to make your best deal on the car of your dreams. With a bad credit loan, the ball really is in your court!

Submit a Loan Request Today

Online loan requests are not only fast and easy, but they can be submitted at any time of the day or night. Our online office never closes. Thanks to the Internet, you can submit a request for a bad credit loan on your schedule.

It costs you nothing to complete our loan request and you are under no obligation. Log on and see what we can do for you. In less than 48 hours a lender may provide you with your loan approval, interest rate and monthly payment amount.

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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