Scary Statistics You Should Know about PayDay Loans this Halloween

Happy Halloween from everyone at TLC!



From October to December the average American spends an EXTRA $4,721.50. That can put many people in some scary financial situations, leading them to believe a payday loan is a good financial solution. No matter how scary a financial situation may seem, the terms and outcomes of payday loans are always scarier. 


What are Payday Loans? 

A payday loan is a short-term borrowing where the lender extends high-interest credit based on the borrower’s income and credit profile. The payment period is typically two weeks, or when you receive your next paycheck. The principle for a payday loan is a portion of your paycheck. These loans charge extremely high-interest for immediate short-term credit, as the finance charge can range from $10 to $30 for every $100 borrowed. A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of between 400% and 5,000%.


Here are 5 Scary Statistics You Should Know about Payday Loans (via OppLoans


#1:  The average payday loan has an APR of almost 400%. 

APR (annual percentage rate) tells how much a loan is going to cost with interest and fees over a year. Since payday loans only have a two week pay period, they may seem cheaper than loans with longer pay periods. This is only true if you’re able to repay on time, after one time borrowing. As you’ll see, this rarely happens. 


#2: Over 80% of payday loans are rolled over or re-borrowed. 

A study done by the Consumer Finance Protection Bureau found that the majority of short-term, no credit check loans extend way beyond their two week pay period. The only reason payment periods are extended is if borrowers are unable to pay it back in time. If someone struggles to make the payment after two weeks, it’s rare they will be able to next time, when there are additional fees added. This is how payday loans trap borrowers in a never ending debt cycle. 


#3: The average payday borrower takes out 10 loans per year and spends 199 days of the year in debt.

The same study by CFPB found that payday loan borrowers are in debt more than they aren’t. Unlike other kinds of debt, payday loan debt does not help you build up your credit. Lenders do not report your payments to any of the credit bureaus, unless you miss a payment. Lenders will then turn your account over to collections and they will report you to the credit bureaus. 


#4: 69% of payday borrowers use their loans to pay for everyday recurring expenses.

A study done by Pew found that most payday loan borrowers are using them for recurring bills like rent, utilities, etc. The other 31% are using them for necessities such as car repairs and medical expenses. This means that most payday loan borrowers are those with no other financial choice, and are likely being taken advantage of by lenders. 


#5: Only 14% of payday borrowers can afford to repay their loan.

The study by Pew also found that borrowers can rarely afford to repay their payday loans. Even though payday loans are generally small amounts, borrowers are forced to repay them all at once. If they can’t, borrowers have to roll it over or re-borrow, which is why so many get stuck in debt cycles. 


Safer Alternatives

The good news is there are so many options other than payday loans that don’t trap borrowers in never ending cycles of debt. Consider a personal installment loan from TLC. They offer benefits such as: 

  • Lower interest rates 
  • Uses for a variety of purchases
  • Consolidating high-interest debt
  • A credit score boost 

If you’re caught in the cycle of payday loans and are struggling to get out, it’s time to take control of your finances with a TLC personal installment loan. They are a perfect solution to unexpected emergencies such as car repairs, medical expenses, travel, or even debt. We also provide access to educational resources and incentive programs. By offering an installment loan as an alternative to a payday loan we want to see you on your way to financial recovery.


More From TLC 

Our mission as a loan company is to help people when traditional banks have abandoned them and to design our loans to get people back on their feet. We consider all applications, so never hesitate to apply! The process is quick and easy and it’s possible to have the funds as soon as the next business day. 


Stay financially safe this Halloween and stay away from the scary trap of payday loans! Apply for a personal loan with TLC today, or contact us for any additional information! 



Using a Loan to Pay Off Debt



Credit cards can pose a great threat to users’ financial well-being, as the average U.S. household carries $6,662 of credit card debt. With outrageously high interest rates and low minimum payments, there can be no end in sight for some borrowers. Taking out a loan to pay off debt may seem impractical at first, but there are actually a number of benefits. If done responsibly, borrowing a personal loan to take care of your debt might actually be a plausible solution. 


How to Pay Off Debt with a Loan

Using a personal loan to pay off debt, specifically credit card debt, is called a credit card consolidation loan. If you’re someone with multiple credit card bills, you may be able to pay off your higher interest debt faster by consolidating your credit card debt into a single loan payment with a lower interest rate. 


If you have a $4,000 balance on your credit card with an 18% ARP, and qualify for a three-year personal loan at 12% ARP, your monthly payment would be $133, paying $783 in total interest over the life of the loan. If you keep the debt on your credit card and paid $133 a month, you’d pay off the debt in a little over three years, with $1359 in interest during that time. So, using a credit card consolidation loan could save you $576. 


The Benefits 

  • Lower Rates 

There’s no guarantee of lower interest rates, as all lenders have different criteria. Credit score, debt-to-income ratio, employment, and credit history generally determine interest rates. A high credit score and low debt-to-income ratio will usually get you the best possible rates. If you can’t get the most ideal rates, even just a little change in interest can make a big difference, especially if you have a large amount of debt. 


  • Single Payments

Managing multiple credit card accounts can be strenuous. It can be difficult keeping track of different payment deadlines, payment amounts, or missing them altogether. Paying off multiple credit cards with a personal loan consolidates that debt into one monthly payment, meaning fewer bills to worry about.


  • Quicker Payoff 

Making minimum payments on a substantial, or multiple, balances could leave you in debt for years, as credit cards have no set repayment periods. If the balance is high enough, you could be paying it off for your entire life. With just one monthly payment and a fixed interest rate, you’ll be likely to pay off the loan in a much shorter period of time. Most debt consolidation loans have payment periods of 24 to 60 months. 


  • Credit Score Boost 

If your credit report is highly consumed by revolving accounts, expanding it by taking on a personal loan with likely improve your credit score. It’s important to make the monthly payments in full and on time, showcasing responsible debt management. The increases won’t be instantaneous or monumental, but it’s a step in the right direction. 


Personal Loans with TLC 


At Total Loan Company, we make our loans as individual as the people that apply for them. When life happens, we listen, we understand, and we help our customers when banks abandoned them. We consider all applicants and our process is quick and easy, so never hesitate to apply! 


Learn more about our rates and terms here, or if you’re ready, apply here today!


5 Ways To Make Extra Cash This Summer

Summers offer a variety of unique opportunities to earn additional money that you wouldn’t otherwise be able to do all year round. With warm weather, longer days, and more flexible schedules there are many more chances to grab that extra dollar. Here are 5 simple ways to earn money fast, and if you still find yourself struggling for money this summer, TLC may have the solution.


1. Dog Walking

Busy people are always looking for someone to walk or spend time with their pets. If you love animals this is a very simple way to earn a little extra money. If you do this everyday or a couple times a week, it will quickly add up. There are plenty of apps and websites that find people in your area looking for dog walkers and animal caretakers such as Rover and Suffescom


2. Uber/Lyft Driving

If you have a car and wouldn’t mind driving people around, you could make a good amount of money, and fast. This is something you could easily do on top of having another job because you get to choose when you drive. Too tired or just don’t feel like going out that night? You don’t have to, but if you live in a high demand area you could easily make a few hundred dollars in a weekend. There are some restrictions and requirements so make sure to look into them before signing up.


3. Baby/House Sitting

If you’re a student on a summer vacation or someone that has a lot of free time, babysitters or house sitters are something that families will always be looking for. Asking family, friends, and neighbors is any easy way to get started. There are also plenty of websites you can turn to as well. Places like offer a lot of options if you’re unable to find anyone you personally know.


4. Take Online Surveys

There are actually companies willing to pay for people to fill out their online surveys. Sometimes they reach out to people and sometimes you have to do your research to find them. Usually, all you have to do is apply and the companies will send you surveys that best fit your profile.


5. Become a Host

If you’re someone that travels or doesn’t stay at your own place often, start renting it out. If you live in a popular area that people often visit, you can easily become an Airbnb host. With Airbnb you have little work to do yourself, while the app lets the renters come straight to you. All you have to do is approve them and stay elsewhere for the time rented.


Personal Installment Loans From TLC 

If you still find yourself struggling to make ends meet this summer, TLC is here to help. With a personal installment loan from TLC you have the freedom to use it for whatever you need. You receive a fixed amount from the lender and make payments in equal increments, at regular intervals, over a specified period of time. Each installment loan can have different fees, interests, and features, but you can learn more about installment loans with TLC here.


More From TLC

No matter what kind of loan you borrow, with TLC you’re always with a safe and reliable company. We make borrowing easy, convenient, and affordable with fast loan solutions. If you need a personal loan, we can help!  Apply today and get your money tomorrow. We want to see our customers on the way to financial recovery. If you’re ready, apply here today!

Paying for Urgent Home Repairs


When it comes to owning a home, no one wants to think about damages and needing repairs, but it’s inevitable. Emergency home repairs catch people off guard and often times they don’t have the funds on hand to get it covered. When that water heater, furnace, or air conditioning unit goes out, you’re going to want the cash for a quick replacement.


An online personal loan with Total Loan Company is the perfect way to get that quick fix!


Average Cost of Common Home Repairs According to HomeAdvisor:

  • Broiler Repair: $350
  • Roof Repair: $653
  • Water Heater Installment: $888
  • Plumbing Pipe Installment: $1,134
  • Deck Repair: $1,379
  • Furnace Installment: $3,881
  • AC Unit Installment: $5,233


Personal Loans with TLC


When you receive a personal loan with TLC, you’re free to use it for whatever you need. That’s why they’re a great solution for emergency repairs. The minimum loan starts at $750, with the maximum being $3,000, fitting in with the average costs perfectly.


Applying for a personal loan with TLC is a quick and painless process. To fill out personal loan application you’ll need your social security number, address, phone number, income, and banking information. Once your request is approved, the money is deposited directly in your bank account, and with certain lenders the deposit could be made the following business day.


Repayments can be made in fixed monthly payments agreed upon by the lender, instead of all at once. Meaning you can get your home repaired before worrying about starting to make payments. It is important to make payments on time, saving yourself from late fees or hurting your credit score.


We Want To Help!


TLC takes pride in providing fast, friendly, and reliable service. Offering meaningful loan amounts with longer repayment periods if needed. TLC considers all applicants, so don’t hesitate to apply!


If you’re ready to apply, click here! With any additional questions, contact us here!  

Why Your Tax Refund Was Smaller than Expected

Tax day has been and gone. If you were disappointed in your refund amount, you’re not alone.



This spring marked the first time taxpayers and their accountants submitted tax returns under the Tax Cuts and Jobs Act. Here’s why you may have seen less in your return and how it could actually benefit you moving forward.

Reduced Withholdings

If your paycheck was bigger starting last year, it wasn’t all due to the tax cut. Part of that bigger check was the result of adjusted withholding, where ‘Uncle Sam’ took out less. (In 2018, the Treasury Department and the IRS updated the withholding tables to reflect the new Tax Cuts and Jobs Act). This can actually be a good thing: NPR reported that the reduced withholdings actually leads to bigger paychecks throughout the year.


A spokesperson for the Treasury Department said the lower tax refunds explains why:


“Most people are seeing the benefits of the tax cut in larger paychecks throughout the year, instead of tax refunds that are the result of people overpaying the government. Smaller refunds mean that people are withholding appropriately based on their tax liability, which is positive news for taxpayers.”

Adjusting Your Paycheck Withholdings

Tax professionals have been warning that refunds could be smaller than expected if people didn’t adjust their paycheck withholdings after the new tax law changes listed above.


The amount withheld from your paycheck is determined by how many allowances you claim on your W-4 tax form. The more allowances you claim, the less money is withheld from your paycheck. Talk to your employer’s HR or accounting department for instructions on how to do that.

Most taxpayers owe less in total income taxes

According to the Tax Policy Center, about 80 percent of taxpayers received a tax cut due to the new tax laws. Some of the provisions that might benefit you include:

  • Larger standard deductions. The standard deduction is almost double for every filing status starting in 2018.
  • Expanded Child Tax Credit. The Child Tax Credit is now $2,000 per child, up from $1,000 in 2017. That makes up for the loss of the dependency exemptions for most taxpayers.
  • Credit for other dependents. A new tax credit of up to $500 for each of your older children and other dependents may also lower your bill.

What Now?

If you depend on a refund for springtime spending, or to pay off credit card debt, you may want to increase your withholding going forward. Remember, the goal is to not have a huge tax refund; it’s to have as close to the right amount withheld from your paycheck as possible. That way you don’t have a big bill at tax time. Plus you can put as much of your own money to good for the rest of the year.


Applying for a Loan with TLC Loans

If you’re unhappy with your tax refund and were relying on that cash to pay important bills, Total Loan Company could help.


We are a highly rated lender (in the states of Illinois, Utah, Missouri and South Carolina) and the TLC team has a long history of working in the consumer finance industry. Most of all we understand the challenges facing our customers and their families.


We know there are times where you may need an installment loan to get you through a tough financial time, like receiving a smaller tax refund than expected. At Total Loan Company, LLC the loans we make are as individual as the people who apply for them! We make borrowing easy, convenient, and affordable with fast loan solutions.


If you need a personal loan, we can help! Apply here today and get your money tomorrow.



Apply for a Personal Loan in Illinois

Struggling to make ends-meet? We’ve all been there. If you live in Illinois and need to respond to unexpected emergencies such as car repairs, medical expenses, or travel, TLC Loans has you covered.


Illinois Loans you can Trust

The banks have abandoned you and you’re denied a loan elsewhere: now what? At Total Loan Company our mission is to provide you with a solution that resolves or bridges your current troubles for an extended period of time, and to provide you with a convenient and dependable source for additional cash whenever you need it.


As a consumer installment lender, we offer personal loans online, specializing in helping people seeking a personal loan who are turned away by traditional banks.

Dangers of Payday Loans

The Consumer Financial Protection Bureau defines a payday loan as a short-term, high-interest, no-credit-check loan that’s typically no more than $500. Payday loans can be obtained online or via brick-and-mortar locations.


When the rent is due, the electric bill is overdue and the car note is coming up, you can see why it’s tempting to let panic set in and get a payday loan. Here’s why that’s a terrible idea: A typical payday loan can charge an APR of 300 to 400%. Approximately 75 percent of payday loans are extended to people who take out 11 or more loans per year, according to the data from the CFPB. Unfortunately, many people can’t pay off their payday loans when due, so they consolidate the borrowed funds into a new loan and create a cycle of debt.

The Better Way to Lend

Our mission as an installment lender is to provide our customers with a convenient personal loan online and being a dependable source for their financing needs. Furthermore, as part of our commitment to helping our customers meet their financial goals, we provide access to educational resources and incentive programs. By offering an installment loan as an alternative to a payday loan we want to see you on your way to financial recovery.


At Total Loan Company, LLC the loans we make are as individual as the people who apply for them! We make borrowing easy, convenient, and affordable with fast loan solutions. If you need a personal loan, we can help!

Apply for a Personal Loan Today

At TLC Loans you’re with a reliable company. There’s never hidden fees so you always know what you pay. If you ever have questions, comments or concerns, our customer support team is on hand 24/7, and your data is ALWAYS protected with us.


The application process is simple; Once we receive your application online, our customer service representatives will contact you to verify your income and employment, you will sign your loan agreement electronically and be all set to receive your funds. What’s more, you will receive your loan in your bank account on the next business day.


Give yourself and your finances some TLC, apply here today.

4 Reasons to Apply for a Loan Online

Online loans are plentiful these days. Whether you want to consolidate your credit card debts, pay off a big overdue bill, or simply borrow money quickly, it can make sense to take out a personal loan online. But what are the benefits of online vs conventional loans?


The Rise of Online Loans


The borrowing landscape is undergoing major changes as online loan options explode. Gone are the days of requesting a bank/lender meeting, trekking to their office, sitting in an awkward, time-consuming interview, going through stacks of paperwork only to be told you’ve been declined. Even if pre-approved you’re left waiting weeks for your application to be officially approved – and even longer to actually see the funds drifting into your bank accounts!


If you’re looking for a loan, here are four reasons you should consider applying for a personal loan online…


1. Convenience


You use your computer and mobile devices for everything, why not applying for a loan?  No longer do you have to take time away from work to show up at the bank; You can now apply for a personal loan at midnight, in your pajamas!  While we like to reminisce of the “good old days” it’s sure nice to take advantage of modern, convenient technology.


What’s more, applying for a loan online you’ll be able to safely electronically send documents, so no more paperwork!


2. Saves Time


Not only are you saving time not having to physically go to a bank, you’re saving time on the actual application too. When borrowing money, you are required to fill fewer details compared to the traditional way of applying for loans. Once you have finished applying for your online loan, your request will be approved, and you will get a confirmation message. This, therefore, will save you a lot of time and money.


3. 24 Hour Access & Assistance


It’s easy to get used to the convenient online access electronics offer, especially when it comes to managing your finances. According to a Federal Reserve Bank survey, almost three-fourths of consumers accessed online banking through a desktop, laptop, or tablet computer in the last 12 months.


Using an online lender, you can gain access to your application and account at any time, and some good online lenders provide 24/7 online support, so you can get answers and loan support at any point of your application (and throughout your repayment process).


4. Lower Rates and Faster Cash


Because online lenders don’t have to pay the expenses of maintaining a physical bank, they are able to offer lower loan fees. However, most online lending is unsecured, which means you’re not putting up collateral that the lender can keep if you don’t pay your debt. For this reason unsecured loans are riskier for the lender, so they come with higher interest rates. Even at a relatively high interest rate, you may end up paying less than you’d pay in credit card interest.


Last but not least, online loans offer fast cash. For Example at TLC Loans, the approval process is fast and easy. Once we receive your application, our customer service representatives will contact you to verify your income and employment, you will sign your loan agreement electronically and be all set to receive your funds.


Once you’ve signed your application online, you will receive your loan in your bank account on the next business day.


Want to know more about online loans at Total Loan Company? Check out our FAQ page here. Ready to get your personal loan? Apply here today!


Apply for a Personal Loan

Is the thought of applying for a personal loan causing you stress and confusion? With so many options and companies to choose from, you want to make an educated decision on what loan is best for you.


Personal Loans: The Basics

The Scenario: You’re in need of some emergency cash. You’ve been turned away from the bank and you’ve read (or even experienced) the alarming dangers of PayDay loans. Where do you turn next?


The Solution: A Personal Installment loan. A personal installment loan is a form of consumer debt that is repaid over time in regularly scheduled intervals. An installment loan can be used for a variety of purposes, including debt consolidation, building credit, or funding everyday expenses. These personal loans are easier to obtain for poor credit or low-income consumers because they can be unsecured, which means that repayment is guaranteed only by your promise to repay, and not by a physical asset like a house or car.

A Saturated Market

A simple online search for a personal loan will bring you thousands of results. Instead of choosing the first one you come across, you need to know which company is best for your individual needs.  So how do you choose?


Firstly, get a credit report (you can do this for free here) and begin by narrowing down the companies to suit your particular credit history: Borrowers with good to excellent credit scores (690 and above) may have their pick of personal loan companies, where borrowers with troubled credit histories are more likely to qualify with lenders that accept bad to average credit (300-689).


Next, figure out the amount you need and the time frame you can pay it off as well as comparing interest rates, fees, loan terms and payment options. A perk of certain personal loan companies is they let you pay your loan back over a longer period of time so your payments are more affordable.

Applying for a Personal Loan

Now you’ve completed your research it’s time to apply for a loan! You will need to have the following information available to begin your application:

  • Your Social Security Number
  • Your address and phone number
  • Income information
  • Banking information


Once everything is filled out, verify that the information is correct and hit submit. You’ll be notified with a decision on your loan application within a few minutes. If you’re approved, your lender will likely contact you to confirm your information, and most people receive their loan funds as soon as one business day after approval.

Once Your Receive Your Funds

If you took out a loan for something specific you should spend it on that. However, you are free to spend your loan funds on whatever you’d like.


It’s very important to make your payments on time so you don’t end up paying extra in fees or hurting your credit. Be sure to verify how you’ll need to make repayments. Can you pay by phone with a credit card or account number, online through the lender’s website or do you need to mail in a check? Find the answers to these questions out right away if you haven’t already.

Final Thoughts

Each consumer has different needs, and many lenders specialize in specific areas designed to meet them. Because no lender is perfect for every consumer, recommendations are based on eligibility requirements, interest rates and features that make them good matches for different types of consumers.


If you need assistance in finding the right loan, loan amount and a company you can trust, give Total Loan Company a call on (855)222-0209. Our mission is to provide you with a solution that resolves or bridges your current troubles for an extended period of time and to provide you with a convenient and dependable source for additional cash whenever you need it.


We hope this article helps you find your path to financial freedom!

Installment Loans to Cover Overdraft Fees

If you have overdraft protection, and know you will incur overdraft fees, should you get an installment loan?  It comes down to how long you will be short on cash and what the overdraft fees are that you are going to incur.



One of the biggest reason’s borrowers come to Total Loan Company is they know they are going to have expensive overdraft fees relating to not having enough cash in their banking account.  Overdraft fees can be as much as $36 per overdraft.  If you are short on cash and know you will be negative these fees can add up quickly and lead to thousands of dollars in fees over draft fees within a year.  If you know that it will be several months until you know you will have enough money in your checking account an installment loan could be more appropriate.


Overdraft fees add up quickly and in several months time you may be spending more on overdraft fees than you would have by having an installment loan to pay off in a year.  In addition to potentially paying less interest, it will help you get out of your cash poor situation faster in that you will be able to stretch out your payments over a longer period.


If you have an expense that you know is going to drive long term overdraft fees, call TLC on (855)222-0209 to consider an installment loan.  It may be a better idea than paying those very high overdraft fees from your bank!

‘Break Up With Your Bank’ Checklist

Breaking up is hard to do, so how do you know when it’s time to let your bank “go”? A recent survey conducted for Money Magazine found that the average American has used the same primary checking account for roughly 16 years. But moving to a new bank can actually be a savvy financial move.



There are many reasons to consider switching banks. Maybe you’re fed up with paying ATM or monthly fees. Perhaps your interest rate is abysmal, or you need better online account support. Whatever your reasoning, it’s time to take control of your finances with our ‘Break Up With Your Bank’ checklist…

1. Forewarn Your Bank

Like any break up, it’s courteous not to take your bank by surprise. By warning them of your next move you give your bank the chance to rectify their wrongdoings and let you know of any new offerings that might match what you’re looking for. You’ll rest easier at night knowing you gave the relationship your honest all.

2. Open Your New Account

As premeditated as this may sound, it’s a crucial step not to be overlooked. Why? By opening a new account BEFORE breaking up with your old one, you’ll be able to notify merchants of your new switch over. Plus you can’t switch banks unless you’ve got somewhere to go! Open your account at least two weeks before you plan on making the initial switch so you can have your card in hand and as well as online access, a working password, and your bank’s mobile app downloaded/set up.

3. Set Up Auto Payments and Direct Deposits

This is a necessary yet time-consuming step. Make sure you cover all your outgoings to avoid late payment fees.

  • Direct Deposit. Your employer should have an easy form you can fill out to change your direct deposit information.
  • Automatic Payments. Make a list of all of your payments that are automatically debited from your account. Then figure out which ones were set up through the company you’re paying, and which were set up through the Bill Pay system at your old bank. Be sure to set up the proper online payments through your new bank, and change the account information for payments automatically debited by companies.
  • Paypal. Often overlooked, switch your banking information in any online payment systems you have set up.

4. Don’t Rush to Close Your Old Account

We’re not saying you should have an open relationship or cheat on your new account, but keeping your old bank account open for a short while has its benefits…

The switchover may take longer than you expect to update direct deposit and automatic billing instructions. By waiting a month, you can be sure that everybody is using your new account information. However, if you’re switching banks due to fees, you’re probably eager to close your account sooner.

5. It’s Time for the ‘Final Farewell’

Once step 1 through 4 are complete, it’s time to finally close the old account. Call your old bank or credit union and ask how to shut down the account for good, and be sure to ask for a letter that confirms the account was closed. You should also cut up old debit cards and checkbooks to be sure you don’t inadvertently use them later or become subjected to fraud.

Final Thoughts

If you’re not satisfied with the services you’re receiving at your current bank, don’t be afraid to make a change. Your finances are among the most important aspects of your life and taking control will be worth the hassle in the long run.


Total Loan Company – Personal Loans as Unique as You Are

Struggling to make ends meet? Our mission is to provide you with a solution that resolves or bridges your current troubles for an extended period of time, and to provide you with a convenient and dependable source for additional cash whenever you need it!


Short-term multi-pay loans are a perfect way to respond to unexpected emergencies such as car repairs, medical expenses, or travel. The approval process is fast and easy; Once we receive your application, our customer service representatives will contact you to verify your income and employment, you will sign your loan agreement electronically and be all set to receive your funds. Then you’ll will receive your loan in your bank account on the next business day!


By offering an installment loan as an alternative to a payday loan, we want to see you on your way to financial recovery.  If you have a question about our application proces, please contact us. At TLC, we want to understand your story!