{"id":9678,"date":"2021-06-27T21:46:48","date_gmt":"2021-06-28T02:46:48","guid":{"rendered":"https:\/\/slls.org\/?p=9678"},"modified":"2023-09-05T22:29:40","modified_gmt":"2023-09-06T03:29:40","slug":"live-check-loans-know-your-rights","status":"publish","type":"post","link":"https:\/\/slls.org\/es\/live-check-loans-know-your-rights\/","title":{"rendered":"\u00bfQu\u00e9 debo hacer si recibo un cheque por correo de un prestamista?"},"content":{"rendered":"<div id=\"pl-9678\"  class=\"panel-layout\" >\n<div id=\"pg-9678-0\"  class=\"panel-grid panel-no-style\" >\n<div id=\"pgc-9678-0-0\"  class=\"panel-grid-cell\"  data-weight=\"1\" >\n<div id=\"panel-9678-0-0-0\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"0\" data-style=\"{&quot;background_image_attachment&quot;:false,&quot;background_display&quot;:&quot;tile&quot;,&quot;so_cpt_readonly&quot;:&quot;&quot;,&quot;animation_event&quot;:&quot;enter&quot;,&quot;animation_screen_offset&quot;:&quot;0&quot;,&quot;animation_duration&quot;:&quot;1&quot;,&quot;animation_repeat&quot;:&quot;&quot;,&quot;animation_hide&quot;:true,&quot;animation_disable_mobile&quot;:&quot;&quot;,&quot;animation_state_end&quot;:&quot;visible&quot;,&quot;animation_delay&quot;:&quot;0&quot;,&quot;animation_debounce&quot;:&quot;0.1&quot;}\" >\n<h3 class=\"widget-title\">\u00bfQu\u00e9 debo hacer si recibo un cheque por correo de un prestamista?<\/h3>\n<div class=\"textwidget\">\n<h6><em>La informaci\u00f3n proporcionada en esta publicaci\u00f3n no representa ni pretende representar asesoramiento legal. Toda la informaci\u00f3n disponible en este sitio es s\u00f3lo para fines informativos generales. <\/em>Si necesita ayuda legal, debe comunicarse con un abogado. Puede ser elegible para nuestros servicios legales gratuitos y puede presentar su solicitud llamando a nuestra l\u00ednea directa legal de Covid al\u00a0<strong><a href=\"https:\/\/slls.org\/es\/covid-19\/\">1-844-244-7871<\/a><\/strong>\u00a0o aplicar en l\u00ednea<strong>\u00a0<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/lastate.kempscaseworks.com\/\">aqu\u00ed<\/a>.<\/span><\/strong><\/h6>\n<p><strong>Recib\u00ed un cheque por correo a mi nombre. \u00bfDeber\u00eda cobrarlo?<\/strong><\/p>\n<p>No necesariamente. Aseg\u00farese de leer toda la letra peque\u00f1a para determinar si el cheque es un reembolso de una agencia confiable como el Servicio de Impuestos Internos o es un \u201cPr\u00e9stamo de cheque vivo\u201d com\u00fan.<\/p>\n<p><strong>\u00bfQu\u00e9 es un pr\u00e9stamo con cheque vivo?<\/strong><\/p>\n<p>Un pr\u00e9stamo con cheque vivo es una oferta de pr\u00e9stamo enviada por agencias de cr\u00e9dito a prestatarios preaprobados que ofrecen un pr\u00e9stamo peque\u00f1o, generalmente $500-$2500, generalmente a tasas de inter\u00e9s muy altas, a menudo superiores a 25% APR. Esta oferta de pr\u00e9stamo incluir\u00e1 un cheque a su nombre listo para cobrar. Los pr\u00e9stamos con cheques en vivo tambi\u00e9n deben incluir: una divulgaci\u00f3n de las tarifas del pr\u00e9stamo, la tasa de porcentaje anual (APR), el cronograma de pagos, el acuerdo de pr\u00e9stamo, un aviso de privacidad sobre el intercambio de su informaci\u00f3n personal, su derecho a excluir su nombre de ofertas futuras. \u2013 llamado aviso de exclusi\u00f3n voluntaria e informaci\u00f3n de contacto del remitente. Al cobrar o depositar el cheque, acepta todos los t\u00e9rminos y condiciones adjuntos al pr\u00e9stamo. Aseg\u00farese de leer la letra peque\u00f1a incluida con este cheque para determinar si este pr\u00e9stamo es adecuado para usted.<\/p>\n<p><strong>\u00bfEs esta oferta de pr\u00e9stamo preaprobado una estafa?<\/strong><\/p>\n<p>A veces, los estafadores env\u00edan ofertas de pr\u00e9stamos falsas por correo postal, correo electr\u00f3nico o mensaje de texto. Estos pueden parecer muy similares a las ofertas reales de pr\u00e9stamos con cheques reales, pero se utilizan para obtener su informaci\u00f3n personal o financiera con el fin de cometer robo de identidad o fraude. Si el pr\u00e9stamo le pide que env\u00ede dinero o informaci\u00f3n personal o financiera a cambio, lo m\u00e1s probable es que se trate de una estafa. Visite la base de datos de quejas del consumidor de la Oficina de Protecci\u00f3n Financiera del Consumidor para ver si el prestamista tiene licencia en su estado y si hay quejas contra \u00e9l en <span style=\"text-decoration: underline;\"><strong><span style=\"color: #138a43; text-decoration: underline;\"><a style=\"color: #138a43; text-decoration: underline;\" href=\"https:\/\/www.consumerfinance.gov\/data-research\/consumer-complaints\/\">https:\/\/www.consumerfinance.gov\/data-research\/consumer-complaints\/<\/a> <\/span><\/strong><\/span>Si cree que esta oferta es una estafa, puede denunciarla a la Comisi\u00f3n Federal de Comercio en <span style=\"color: #138a43;\"><strong><span style=\"text-decoration: underline;\"><a style=\"color: #138a43; text-decoration: underline;\" href=\"https:\/\/reportfraud.ftc.gov\/#\/\">https:\/\/reportfraud.ftc.gov\/#\/<\/a><\/span><\/strong><\/span><\/p>\n<p><strong>\u00bfC\u00f3mo funciona un cheque en vivo?<\/strong><\/p>\n<p>Si desea aceptar el pr\u00e9stamo de cheque real, debe endosar el cheque firmando el reverso del cheque y cobrando o depositando los fondos en su cuenta bancaria. Esto crea un contrato de pr\u00e9stamo que deber\u00e1s pagar con intereses de acuerdo con el plan de pago incluido. Si paga tarde o no paga, es posible que se le cobren tarifas junto con intereses, y el prestamista puede informar su deuda a una agencia de informes crediticios, lo que podr\u00eda afectar su puntaje crediticio. Para rechazar la oferta de pr\u00e9stamo, debe destruir de forma segura (triturando y desechando) el cheque vivo para evitar un posible uso fraudulento por parte de otros.<\/p>\n<p><strong>\u00bfC\u00f3mo determino si debo aceptar esta oferta de pr\u00e9stamo?<\/strong><\/p>\n<p>Los pr\u00e9stamos con cheques en vivo pueden ser convenientes ya que no es necesario completar una solicitud de pr\u00e9stamo ni presentar documentos. Sin embargo, los pr\u00e9stamos con cheques vivos pueden tener tasas de inter\u00e9s mucho m\u00e1s altas que otros pr\u00e9stamos o tarjetas de cr\u00e9dito. Si est\u00e1 interesado en un pr\u00e9stamo o l\u00ednea de cr\u00e9dito, debe seguir estos sencillos pasos:<\/p>\n<ul>\n<li><strong>Investigue al prestamista.<\/strong> Verifique si el prestamista tiene licencia para hacer negocios en su estado a trav\u00e9s del regulador bancario de su estado. Visite la base de datos de quejas de la Oficina de Protecci\u00f3n Financiera del Consumidor para ver si el prestamista tiene quejas.<\/li>\n<li><strong>Lea el contrato de pr\u00e9stamo. <\/strong>Comprender las tasas y los t\u00e9rminos del pr\u00e9stamo ayuda a determinar su asequibilidad. El acuerdo debe detallar el costo total anual del endeudamiento, representado como una tasa porcentual anual e incluyendo costos de intereses y tarifas; el n\u00famero de pagos requeridos; y montos de pago.<\/li>\n<li><strong>Comprando por ah\u00ed. <\/strong>Compare las tasas y t\u00e9rminos de pr\u00e9stamos personales en cooperativas de cr\u00e9dito, bancos y prestamistas en l\u00ednea. Si tiene mal cr\u00e9dito, es posible que pueda obtener tasas m\u00e1s bajas en las cooperativas de cr\u00e9dito federales, que limitan las tasas de los pr\u00e9stamos al 18 por ciento. Tambi\u00e9n puede consultar las tasas y los t\u00e9rminos con los prestamistas en l\u00ednea. La mayor\u00eda aplica un control suave de su cr\u00e9dito, lo que no tiene ning\u00fan impacto en su puntaje crediticio.<\/li>\n<li><strong>Centrarse en soluciones a largo plazo. <\/strong>Cree un presupuesto que rastree sus gastos, lo que puede identificar gastos innecesarios y ayudarlo a pagar deudas o dirigir dinero a un fondo de emergencia. Luego podr\u00e1 utilizar efectivo para emergencias en lugar de cr\u00e9dito con intereses altos.<\/li>\n<\/ul>\n<p><strong>\u00bfQu\u00e9 debo hacer con este cheque en vivo?<\/strong><\/p>\n<p>Si decide que desea aceptar la oferta de pr\u00e9stamo, simplemente endose el reverso del cheque con su firma y cobre o deposite el cheque en su cuenta bancaria.<\/p>\n<p>Si decide que no quiere aceptar la oferta de pr\u00e9stamo, rompa el cheque y t\u00edrelo. Si no destruye el cheque antes de tirarlo, corre el riesgo de que alguien lo cobre a su nombre y se haga responsable de un pr\u00e9stamo que usted no recibi\u00f3.<\/p>\n<p><strong>\u00bfC\u00f3mo puedo detener estas ofertas de pr\u00e9stamos no solicitados?<\/strong><\/p>\n<p>Si no desea recibir cheques reales u otras ofertas de pr\u00e9stamos no solicitados, tiene derecho, seg\u00fan la Ley de Informe Justo de Cr\u00e9dito, a optar por no recibir ofertas futuras durante cinco a\u00f1os o de forma permanente. Para optar por no participar durante cinco a\u00f1os, llame al 1-888-5-OPTOUT (1-888-567-8688) o visite <a href=\"https:\/\/www.optoutprescreen.com\/?rf=t\"><span style=\"text-decoration: underline; color: #138a43;\"><strong>https:\/\/www.optoutprescreen.com\/?rf=t<\/strong><\/span><\/a>\u00a0 Para optar por no participar permanentemente, visite <span style=\"text-decoration: underline;\"><strong><span style=\"color: #138a43;\"><a style=\"color: #138a43; text-decoration: underline;\" href=\"https:\/\/www.optoutprescreen.com\/?rf=t\">https:\/\/www.optoutprescreen.com\/?rf=t<\/a><\/span><\/strong><\/span> y devolver un \u201cformulario de elecci\u00f3n de exclusi\u00f3n permanente\u201d firmado, que le enviar\u00e1n despu\u00e9s de realizar la solicitud.<\/p>\n<p><strong>Ya cobr\u00e9 el cheque. \u00bfQu\u00e9 hago ahora?<\/strong><\/p>\n<p>Al cobrar el cheque, qued\u00f3 sujeto a los t\u00e9rminos y condiciones de la oferta de pr\u00e9stamo. Si no puede realizar los pagos como se describe en la oferta, comun\u00edquese con el prestamista sobre las posibles opciones para pagar su pr\u00e9stamo. Si paga tarde o no paga sin llegar a un acuerdo con el prestamista, este puede cobrarle tarifas junto con intereses, informar su deuda a una agencia de informes crediticios o tomar medidas para embargar su salario o confiscar su propiedad.<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<style type=\"text\/css\" class=\"panels-style\" data-panels-style-for-post=\"9678\">@import url(https:\/\/slls.org\/wp-content\/plugins\/siteorigin-panels\/css\/front-flex.min.css); #pgc-9678-0-0 { width:100%;width:calc(100% - ( 0 * 30px ) ) } #pg-9678-0 , #pl-9678 .so-panel { margin-bottom:30px } #pl-9678 .so-panel:last-child { margin-bottom:0px } @media (max-width:780px){ #pg-9678-0.panel-no-style, #pg-9678-0.panel-has-style > .panel-row-style { -webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column } #pg-9678-0 > .panel-grid-cell , #pg-9678-0 > .panel-row-style > .panel-grid-cell { width:100%;margin-right:0 } #pg-9678-0 { margin-bottom:px } #pl-9678 .panel-grid-cell { padding:0 } #pl-9678 .panel-grid .panel-grid-cell-empty { display:none } #pl-9678 .panel-grid .panel-grid-cell-mobile-last { margin-bottom:0px }  } <\/style>","protected":false},"excerpt":{"rendered":"<p>What Should I Do If I Get a Check in the Mail From a Lender? The information provided on this post does not, and is not intended to, represent legal [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9874,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[48,88],"tags":[],"class_list":["post-9678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-debt-collection-consumer-protection-and-taxes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Should I Do If I Get a Check in the Mail From a Lender? - Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/slls.org\/es\/live-check-loans-know-your-rights\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Should I Do If I Get a Check in the Mail From a Lender? - Blog\" \/>\n<meta property=\"og:description\" content=\"What Should I Do If I Get a Check in the Mail From a Lender? 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