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Getting a loan -- for school, a car, or a home -- isn't easy. (At least, it's not as easy as it was ten years ago.) The credit checks, the interest rates, and the possible down payment can make getting a loan next to impossible.

And not everyone can get a loan on their own without family members or friends to cosign. A cosigner is the lender's insurance policy in case the primary borrower can't repay the debt. But once a person has cosigned a loan, is there any way for them to get released?

Being in debt can be a scary place -- especially when a creditor starts taking a piece of your paycheck. In some cases, creditors could be taking so much you can no longer afford to pay other bills, sending you deeper into debt.

It turns out you may have some options if you need to end or alter wage garnishment, including filing for an exemption or getting the debt vacated entirely.

It's Shark Week both on the Discovery Channel, and here at FindLaw! While many of will never see a shark in the sea, some of us will have to deal with a different kind of shark: loan sharks.

Get a $500 loan fast! No collateral required! These offers sound great, especially if you need money quickly. However, these nice lenders do not tell you how much you'll be paying them later on. A loan shark offers small loans at ridiculously high interest rate that are almost impossible to pay back.

Loan sharking is illegal, but many people still fall victim to the lenders' predatory tactics.

If a prospective tenant asks, "Do you accept Section 8?" how do you respond? Can you say no, or must you always say yes?

Some landlords like having Section 8 tenants because it's a guaranteed source of on-time rental income. However, others are wary of having to deal with Section 8 bureaucracy and would like to avoid it altogether.

Do landlords have a choice, or do they have to accept a Section 8 tenant?

How to Modify a Loan Agreement

Are your loans getting too hard to pay? In certain instances, you can take advantage of the fact that loan agreements aren't set in stone.

If you're in trouble and are unable to pay your loans, you may want to request a loan modification. Banks and the government offer many loan modification programs that can help you. For example, the Home Affordable Modification Program (HAMP), created in 2009, allows eligible homeowners to reduce their mortgage payments to 31 percent of their pre-tax monthly income.

Sounds great, but how do you get a loan modification? Here are some steps to help guide you through the process:

Attorneys can be expensive, and often the better the attorney, the higher the cost. So what can you do if you can't afford an attorney?

Just like most other 21st Century problems, this one can be solved with the internet. Over the last five years, crowdfunding platforms like GoFundMe have contributed to a $5.1 billion worldwide industry. But does that make it a good place to turn to when you need a lawyer?

Going through your credit card bill, you find a $400 charge at McDonalds in Bangkok. Wait! When did you go to Bangkok, and what would you buy for $400 at McDonalds?

Chances are, your credit card information was stolen, and there's been some fraudulent charges on your account. Usually, the process of disputing those charges is relatively painless. You call your credit card company and make a report. They freeze your card, give you a refund, and send you a new card. Easy, and done.

Sadly, it doesn't always happen that way. Your credit card company may deny your fraud claims. What do you do then?

Can You Go To Jail For Debt?

Nothing in life is free. For some, the costs of court fines and fees hurt more because they're poor.

When Conner Comeau was convicted for graffiti, he was sentenced to two days in jail and a fine of $1,300 for restitution. Four years later, he was sentenced to 100 days in jail. His new crime? Not being able to pay his restitution debt.

Is debtor's prison back?

What is a 529 Plan?

Are you ready to pay for your child's college education?

According to the Institute for College Access and Success, 69 percent of all graduates from public colleges in 2013 have an average student loan debt of $28,400. That's only for a bachelor's degree. If your child goes to law school, add about $84,000 to $122,000 more in student loans. Does your kid want to be a doctor? Expect to pay nearly $300,000 for medical school.

Have you been saving for college? Have you heard of a 529 Plan?

Not many people have the luxury of taking days off of work and giving up money.

However, despite your willingness to work, you may not have a choice if your work shuts down. If your employer shuts down the business temporarily due to an emergency or other reason, do they still have to pay you?