When you miss payments on a loan, creditors:
A. can charge excessively high interest on other customers to make

up the difference.
B. must accept the loss as simply part of doing business.

C. have the right to take measures to get their money back.

D. must declare bankruptcy on the loan, which damages their credit
score.

Answers

Answer 1

Answer:

C.

Explanation:

It's obviously not A, because that would lead to a corrupt society. It's not B either, because no one would pay if that were a policy, and it wouldn't be any different than giving out money for free.

C is correct. If a debtor misses payments on a loan, the creditor has the right to transfer the amount due plus interest to the next given payment. The next given payment will cost the debtor the amount due previously, plus interest (for being late), and the amount due that month.

For example, a debtor makes monthly payments of $1,000 to their creditor. If the debtor misses this month's payment (which equates to $1,000), the creditor has the right to move the amount due plus interest to next January.

Generally speaking, interest should be around 10% annually and broken down into monthly charges. So the annual interest rate would be $100, which makes the monthly interest rate $8.33. Next January, the debtor would pay the amount due previously ($1,000), plus interest ($8.33), and the amount due that month ($1,000).

The debtor will need to pay $2008.33 in January.

A lot of people might mistake D as the correct answer, but creditors don't have to declare bankruptcy.

Answer 2

The correct option is C. When you miss payments on a loan, creditors have the right to take measures to get their money back. Normally, the creditor will get in touch with you and let the credit bureaus know about the default.

Who is a creditor?

A creditor is a company that extends credit, allowing another company to borrow money that will eventually be repaid. A company that offers goods or services but does not request payment upfront is also considered a creditor because the customer owes the company money for work already completed.

A creditor has a range of alternatives available to it to induce payment if you miss a payment or are unable to pay a debt, including using collection firms. Inability to pay a debt can still have negative effects, such as ruined credit scores and lawsuits, even though debtor's prison is a thing of the past.

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Related Questions

Jensen Manufacturing Corp wants to buy land for a distribution center in a new industrial park near Oakland International Airport. They made their offer in the name of Western Associates, LLC so as to not alert their competitors of the attempted purchase. Jensen Manufacturing is which type of principal?

Answers

Based on the information given regarding Jensen Manufacturing Corp, it can be deduced that it's a partially disclosed principal.

A partially disclosed principal simply means a principal whose agent reveals that he has a principal but the true identity of the person isn't known.

From the information given, since Jensen Manufacturing Corp wants to buy land for a distribution center in a new industrial park near Oakland International Airport and made their offer in the name of Western Associates, LLC so as to not alert their competitors of the attempted purchase. This is a partially disclosed principal.

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Niki makes the same payment every two months to pay off his $61,600 loan. The loan has an interest rate of 9. 84%, compounded every two months. If Niki pays off his loan after exactly eleven years, how much interest will he have paid in total? Round all dollar values to the nearest cent. A. $39,695. 48 b. $10,294. 26 c. $3,126. 29 d. $39,467. 12.

Answers

The total amount of interest paid by Niki is  $39,695.48.

The loan is termed as the amount that is borrowed by the lender and is paid off back at some defined amount of interest.  

Computation of amount of interest to be paid by Niki:

 

The given information is:

 P is the periodic payment.

PV = $61,600

r = 0.0984

t = 6

n = 11 years  

[tex]\begin{aligned}PV = \frac{P(1 - (1 +\frac{r}{t}^{nt}))}{\frac{r}{t}}\end{aligned}[/tex]

[tex]\begin{aligned}61600 =\frac{P(1 - (1 +\frac{0.0984}{6}^{11\times6})}{\frac{0.0984}{6}}\end{aligned}[/tex]

[tex]\begin{aligned}61600 =\frac{P(1 - (1 + 0.0164)^{66} )}{ 0.0164}\end{aligned}[/tex]

[tex]61600\times0.0164 = P(1 - (1.0164)^{66} )[/tex]

[tex]\begin{aligned}1010.24&=p\times(1-0.341769)\\1010.24&=0.658321\times p\\p&=\frac{1010.24}{0.658321}\\p&=1534.78\end{aligned}[/tex]

Niki pays $1534.78 every two months continuously for eleven years.

[tex]\begin{aligned}\text{The total payment made by Niki} &= \text{Tenure Period} \times 6 \times \text{Amount of interest}\\\text{The total payment made by Niki}&=11\times6\times\$1534.78\\\text{The total payment made by Niki}&= \$101295.48\end{aligned}[/tex]

[tex]\text{Interest paid} = \text{Total Payment} - PV\\\text{Interest paid} = 101295.48-61600\\\text{Interest paid} =\$39,695.48[/tex]  

Therefore, the correct option is A.

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4/ "People 3. How can you are attracted to the poultry farming these days" Explain with practical examples.people are attracted to the poultry farming these days explain with particle example ​

Answers

we can attracted to the poultry farming these days by saying eveyone to involve in this work and be excited

The United States and Canada have the production possibilities curves shown above. It is determined that the United States has the comparative advantage in peanuts. Will both nations gain from trade if the terms of trade that are offered are 1 Peanut= 2 Corn? Why or why not? Show your work.

Answers

In an exchange term in which 1 peanut is offered in exchange for 2 corn, the United States benefits because it has a greater capacity to exchange peanuts, so it can obtain more corn.

The graph shows the production capacity of the United States and Canada to produce corn and peanuts. In the case of the United States, it has the capacity to produce 60 of each product while Canada only has the capacity to produce 60 of corn and 20 of peanuts.

According to the above, if an exchange is established between the two countries in which 1 peanut is exchanged for 2 corn, the United States would have an advantage since they have more peanuts to offer and the amount of corn they would receive at change would be greater (maximum 160 corn)

On the other hand, Canada only has the capacity to change 20 peanuts, which is equivalent to 40 corn. So the United States is at an advantage because it has more peanuts to offer and would have a greater reception of corn.

Note: This question is incomplete because the graph is missing. Here is the graph.

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Which finger should you use to type the space bar?

Index finger
Pinkie finger
Ring finger
Thumb

Answers

Answer:

thumb should be used to press space bar.

Answer:

Thumb

Explanation:

Your thumbs should rest on the space bar in order to type properly. Therefore, you use your thumbs to type a space.

Suppose you are a purchase manager who is the contract administrator for a major consulting firm installing a major enterprise resource planning system such as SAP or Oracle. What are some of the key elements that you would wish to include in the contract with the consulting company implementing this system?

Answers

The key elements that should be included in the contract include the right to work independently, and the avoidance of liability.

It should be noted that enterprise resource planning is important as it helps a firm manage and integrate the vital parts of the activities in the business.

From the complete information, the elements that should be included in the contract with the consulting company implementing this system include the right to work independently, and the avoidance of liability.

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How are NAFTA, the EU, and ASEAN similar

Answers

Answer:

Each decreases trade barriers among neighboring nations.

Explanation:

Isabel and Stuart open a money market account to begin saving for the

college expenses of their newborn daughter. This is an example of a

investment strategy.

O A. high-return

B. diversified

C. long-term

O D. high-risk

SUBMIT

Answers

Considering the situation described above, this is an example of a "Long-Term investment strategy."

What is a Long-Term Investment Strategy?

Long Term Investment Strategy is a type of investment decision in which the investor hopes to reap the rewards later, usually five years or more.

Given that Isabel and Stuart opened a money market account to begin saving for the college expenses of their newborn daughter, which may take an average of 16 years or more before they reap it, this is an example of a "Long-Term Investment Strategy."

Hence, in this case, it is concluded that the correct answer is "Long-term investment strategy."

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Answer: C, long-term

Explanation: just finished test

as susie left for work, she said "goodbye" to her husband and slammed the door. the loud sound of the door made her husband flinch. after many mornings of hearing "goodbye" followed by a door slam, her husband flinches when he hears her say "goodbye." in this scenario, hearing the word "goodbye" is the

Answers

In this scenario, hearing the word "goodbye" is the: conditioned stimulus.

Classical conditioning can be defined as a learning process through which two (2) stimuli are paired together repeatedly. Thus, it is a learning process which typically involves pairing two (2) stimuli, so as to help an individual anticipate an event that he or she has a reaction for.

In classical conditioning, the two (2) stimuli that are paired repeatedly include the following:

Unconditioned stimulusConditioned stimulus

A conditioned stimulus refers to a neutral stimulus that eventually triggers a conditioned response, after it is repeatedly paired (associated) with the unconditioned stimulus.

In this example, hearing the word "goodbye" is the conditioned stimulus because it made Susie's husband to elicit a response, which is flinching.

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Max is a newly licensed real estate agent. He gets a position with a brokerage firm that plans to pay him commissions, not a salary. What kind of contract might Max want to make with his new firm

Answers

The type of contract which Max would have to draw up for his firm which is based on commissions and not salary is:

An independent contractor agreement

Based on the given question, we can see that max is a licensed real estate agent who gets a job with a brokerage firm and he is expected to make commissions instead of having a fixed salary.

With this in mind, the type of salary which Max would have to make with his new firm would be an independent contractor agreement because this would help him to work with more freedom and close sales and collect his commissions.

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What was one result of the Bretton Woods system?
A. The U.S. dollar became backed by gold for the first time.
B. The U.S. dollar was no longer accepted in most countries.
C. The U.S. dollar became more valuable and influential.
D. The U.S. dollar lost its status as the world's reserve currency.

Answers

One of the results of the Bretton woods system was that the U.S dollar became more valuable and influential.

What is Currency?

Currency is a medium for exchange for goods and services. It is a form of legal tender approved by the government and accepted by all as a means of exchange.

The U.S dollar is a popular form of currency that is accepted by most countries as a form of exchange. After the Bretton Woods system was adopted, the U.S dollar became more influential and valuable to many.

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Export Production,

Increases the country's stock of wealth

Allows family members to make productive use of their time

Saves money on imports

Produces enough to support the needs of the community

Answers

Answer:

Increases the country's stock of wealth

Explanation:

There are two types of businessesImportExportImport means to buy things which are made otherwhere from other countries to our own country.Export means to transfer things which are made in our country to outside

All of the following are examples of labour intensive industry EXCEPT: *
1 point
Psychiatry
teaching
manufacturing
sports coaching

Answers

Answer:

Psychiatry

How?

Teaching is a capital intensive industry as it's depends upon the people and trade.Sports coaching is a industry and it also involves the intention of trade.Manufacturing also has intense of trade.Psychiatry doesn't has the intention of trade so it's the answer

a nation can increase its production possibilities by

Answers

Answer:

Improvement in labor productivity, increase in resources, and technological advancements

Explanation:

In Roger Arnold's text entitled, "Macroeconomics" (2019), a nation can increase its production possibilities and achieve economic growth through an improvement in labor productivity, an increase in its resources, and technological advancements.

A nation is said to be productive efficient if it can produce the maximum amount of goods with its existing resources and technology.  Hence, it is essential for a nation to take advantage of the productive capabilities of its workforce with specialized trade, which could also increase the production of consumer goods and trading of specialized services.

An increase in resources enables a nation to produce greater quantities of military and civilian outputs. Technological advancements also allow a nation to increase its productive capabilities, thereby enabling them to produce goods with a fixed amount of resources, or produce the same amount of output with lesser resources used.  

How can you say that Economics is a science of choice??​

Answers

Answer:

Your answer is attached above

hope it helps

and I want to talk to you kavya sis

It's really important plzz dont ignore plzzz

Each student ticket for an art museum costs $12. 50. The total cost for student tickets, t, varies directly as the number of tickets, s, purchased. Write an equation that models the proportional relationship between t and s.

Answers

The equation for the computation of the total cost for students tickets is [tex]t=\$12.5 \times s[/tex]

The total cost is referred to as the expense that is done to acquire any of the material or the thing from the market. This is the cost that is incurred by the consumer as well as the manufacturers.

The computation of the total cost:

[tex]\begin{aligned}\text{Total Cost}&= \text{Price of Per Unit} \times \text{No. of Persons}\\ t& =\$12.50 \times s\end{aligned}[/tex]

where t = Total Cost

            s = Number of Persons.

Therefore, the correct equation formed is [tex]t=\$12.5 \times s[/tex]

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How do depreciating assets hurt your financial health?
a. They decrease your net worth.
b. They increase your discretionary spending.
d. They lower your FICO score.
c. They increase your equity.

Answers

Answer:

A

Explanation:

net worth is based on assets and income so if assets decrease your net worth decreases

Casey has a job doing valet parking. Casey makes an hourly rate of $4. 55 per hour plus tips. Last week Casey worked 26 hours and made $898. 55. How much in tips did Casey earn last week? a. $34. 56 b. $118. 30 c. $157. 25 d. $780. 25.

Answers

Answer:

$4.55 * 26 hours = $118.3 $898.55 - $118.3 = $780.25 Casey has a job doing valet parking. Casey makes an hourly rate of $4.55 per hour plus tips. Last week Casey worked 26 hours and made $898.55. Casey earned $780.25 in tips last week.

Casey earned tips totaling to a whooping amount of $780.25. She has received these tips by working for twenty-six hours in the last week. So, the correct option is D.

The calculation of tips earned by Casey is done by subtracting the value of his income less the actual salary earned by her during the period.

Calculation of salary and tips

The information that has been provided to us is that Casey worked for 26 hours in the week at a salary rate of $4.55 per hour.

The total income of Casey is $898.55. The total salary of Casey can be calculated as using the following formula,

[tex]\rm Total\ Salary\ = Hourly\ Rate\ x\ Hours\ Worked\\\\\\\rm Total\ Salary= 4.55\ x\ 26\\\\\\\rm Total\ Salary= $118.3[/tex]

So after finding the total salary of Casey, we will put the values of the salary in the formula required for computing earnings of Casey by way of tips,

[tex]\rm Tips = Total\ Income-\ Salary\\\\\\\ \rm Tips\ Received= 898.55- 118.3\\\\\\\rm Tips\ received= \$780.25 \\[/tex]

So we have found that the total income of Casey by way of tips is $780.25 for the last week.

Hence, the correct option is D that Casey earned $780.25 by way of tips in the last week out of the $898.55 he earned.

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Which financial tool is most important when planning for your future financial goals? Enrolling in a high interest savings account Creating a budget Mortgaging a house Taking on extra debt.

Answers

The financial tool that is vital when planning for your future financial goals is creating a budget.

A budget simply means an estimate of the income and the expenditure of an economic entity for a particular period of time.

It should be noted that a budget is vital for an individual to plan his or her expenses. For example, if one wants to buy a car in the future, the person can make a budget for it.

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Answer:

Creating a budget

Explanation:

A contractor can spend at most $350 a day on operating costs and payroll. It costs $75 each day to operate the forklift and $55 a day for each crew member. Write an inequality to represent the contractor's budget for the day. 75 55x ≥ 350 75 55x ≤ 350 75x 55 ≥ 350 75x 55 ≤ 350.

Answers

An inequality to represent the contractor's budget for the day is [tex]75 + 55x \leq 350[/tex].

Let the number of crew member be x.Let the forklift operating cost be F.Let the total cost be T.Let the payroll be P.

Given the following data:

Total expense [tex]\leq[/tex] $350

Forklift operating cost = $75

Payroll for each crew member = $55

To write an inequality to represent the contractor's budget for the day:

The contractor's budget for the day on operating costs and payroll must not exceed $350. Thus, the mathematical expression (inequality) for the contractor's budget in a day is represented as follows:

[tex]F+Px \leq T[/tex]

Substituting the given parameters into the formula, we have;

[tex]75 + 55x \leq 350[/tex]

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what difference would it make to the economy if there were no money? What commodities might serve as money instead? Provide reason for your answers.

Answers

Answer:

Well, we would simply be reduced to a barter economy. Therefore we would have to trade items for items.

Explanation:

This is the way it is because "Barter" is The exchange (goods or services) for other goods or services without using money. So if we needed beef, we would have to give the person trading the beef something of ours. As for countries who want to trade, if one needs wool, and one needs iron, and country A has Iron and country B has wool They'd barter the two items.

The Bridal Shop bought a dress from a supplier for $105 wholesale and applied a 65% markup to the price. If a 7. 5% sales tax were added after a 20% discount was used, what would be the total cost to purchase the dress?.

Answers

Based on the various additions as well as discount, the total cost of the dress would be $149.00

The cost of the dress after the markup would be:

= Wholesale cost x ( 1 + markup)

= 105 x (1 + 65%)

= 105 x 1.65

= $173.25

After the discount, the cost is:

= 173.25 x (1 - 20%)

= $138.60

The cost after the sales tax is:

= 138.60 x (1 + 7.5%)

= $148.995

= $149.00

In conclusion, the cost of the dress is $149.00

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If the demand for a product decreases, what is likely to happen?
A.
The supply is likely to increase.
B.
The demand is likely to be inelastic.
C.
The price is likely to increase.
D.
The price is likely to decrease.

Answers

D, the price is likely to decrease

After listing a home with a broker, the seller told the broker NOT to disclose a major structural defect in the house. What should the broker do

Answers

Answer:

he should not disclose a major structural defect in the house

The total dollar value of consumption, investment, government spending, exports, and imports is provided in the table above. What is the GDP of this fictional country?

Possible answers are:
$12,000,000
$9,000,000
$8,000,000
$10,000,000

Answers

The GDP of this fictional country is $ 8,000,000 (option C)

What is the GDP?

Gross domestic product (GDP) is a term to refer to a macroeconomic magnitude that expresses the monetary value of the production of goods and services in final demand of a country or region during a period, usually one year.

There are several ways to know the GDP of a country, the simplest is a mathematical operation that includes the following data:

The consumption of households and non-profit institutions.The investment of companies and families.The final consumption expenditure of the public sector.The value of net exports.The value of imports.

The operation states that we must add the first four indicators and subtract the last one. According to the information provided in the fragment, the operation would be:

5 + 2 + 2 + 1 - 2 = 8

According to the above, the GDP of this fictitious country is $ 8,000,000 (option C)

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A thrifty shopper wants to purchase a new phone that is made with quality parts. What factors should they consider?
High quality phones contain rare earth metals that are a less scarce resource and cost less to the consumer.
High quality phones contain rare earth metals that are a less scarce resource and cost more to the consumer.
High quality phones contain rare earth metals that are a more scarce resource and cost more to the consumer.
High quality phones contain rare earth metals that are a more scarce resource and cost less to the consumer.

Answers

People have different kinds of preference. The factor that should they consider is High quality phones contain are earth metals that are a more scarce resource and cost more to the consumer.

There are some traces of Rare earth metals in different quantities found in smartphones. They includes; Neodymium, dysprosium, praseodymium, terbium, etc., which are found inside displays and other electronic parts of smartphones.

These rare earth metals used in high quality smartphones is known to  give a   striking  beautiful colors such as green, blue, etc., due to their luminescent property. They are known to also make smart-phones vibrate amidst other functions.

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Answer:

C

Explanation:

Peter has three daughters who are eligible students. What is the maximum amount of tax credit available to him under the American opportunity credit, assuming he meets all requirements

Answers

Based on current tax laws, the maximum amount of tax credit available to Peter is $7,500

Under the American Opportunity Tax Credit (AOTC):

Tax credit can be earned on eligible students. A maximum of $2,500 can be received as tax credit per student.

Peter has three daughters and they are all eligible students which means that the maximum credit available is:

= 2,500 x 3 students

=  $7,500

In conclusion, Peter can get $7,500 in tax credit.

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Mary, who is licensed as an agent in State A, got a promotion and will turn her clients over to Julie, who is licensed only in State B. Before Julie can take over the accounts, she must A) register with State A B) receive permission from each of those clients C) register with FINRA D) register with the NYSE

Answers

Julie, who is taking over the clients of Mary in State A, but registered in State B, must first A) register with State A.

Julie does not need permission from all the clients in State A.  It is not required that she must register with FINRA or the NYSE because she was registered before.

Thus, Julie only needs to register with State A to take over Mary's clients in State A.

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i am so coufued "what i am going to in future, i am very good in art and math and cooking and pe?

Answers

Answer:

you can be a artist or chef

Answer:

You can start up an art themed restaurant.

Explanation:

You are very talented, you could even enter cooking shows to practice and improve on ur cooking skills.

Very many people have are paintings in their homes, selling your art could earn you plenty of income.

PLEASE MARK BRAINLIEST :))

True or False: In some small-market teams, current players who originally commanded a small salary but who have greatly succeeded on the team can become too expensive for the team to re-sign.

Answers

There are different kinds of market. In some small-market teams, current players who originally commanded a small salary but who have greatly succeeded on the team can become too expensive for the team to re-sign is a true statement.

There are a lot of terminology of professional sports in North America. A lot of teams are often based in the media market.

A small market team is known to have some form of  struggle as they compete financially against teams from larger markets

Because of this, they may be outbid in the competition for top talent. In most small-market teams, their main players who have achieved great success on the team can become too expensive for the team to re-sign them this is because they have become too big and they can no longer afford them.

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Answer:true

Explanation:

i got it right

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