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Day: August 11, 2022

Credello: Here’s Why, According to Experts, You Should Think Twice Before Co-Signing a Loan

Posted on August 11, 2022 By P.C. editor

Credello: Here’s Why, According to Experts, You Should Think Twice Before Co-Signing a LoanNEW YORK – August 11, 2022 – (Newswire.com)

Maybe you know what it means to co-sign a loan. Perhaps you’re unfamiliar with the concept. If you know what co-signing means, you might sometimes think it’s appropriate to do that for a family member or friend. 

However, before you start looking into the best personal loans with co-signers, you should think about the risks that go along with this course of action. We’ll talk about those right now.

What Does Co-Signing Mean?

If you co-sign for a loan, along with someone else, you have a binding legal obligation to repay that loan in full.  

As a co-signer, you agree to pay back the loan’s entire amount if the person with whom you co-signed cannot do it. If they miss any payments, the lending entity will immediately turn to you and expect you to cover the money they are due.

Now, let’s go over why you might think twice before becoming a loan’s co-signer.

1. You’re Legally Liable for Missed Payments

We already mentioned the first and most crucial reason why co-signing for a loan can backfire. If the individual you co-signed the loan with can’t cover the agreed-upon monthly payments for any reason, you’ll have to come up with that money yourself.

If you don’t have ready funds to cover those payments, this situation can throw your life into turmoil. In the worst circumstances, you might have to move out of your house, sell your car, or do whatever else is necessary to produce the money. 

2. You Can Ruin Your Credit History

You also risk a plummeting credit score if you co-sign for a loan and the other individual who took out the loan can’t make the payments. If you have the cash to cover those payments, your credit score will not be harmed. If you don’t have the money, though, your score can take a significant hit.

3. You Risk Debt Collector Harassment

If you co-sign for a loan, and the person with whom you got it can’t make the payments, the lending entity will turn to you for that money. If you can’t pay it promptly, they can turn the matter over to debt collectors.

You probably won’t like the experience of having debt collectors calling and emailing you incessantly until you can get the lending entity their money. The lender can even step up the legal action by suing you and garnishing your wages if you take too long to rectify the situation.

Consider Before Co-Signing for a Loan

Certain situations might arise when you’ll want to co-sign a loan, most likely for a family member or close friend. Think carefully before you do, though.

If the individual you co-signed the loan with can’t make the payments, you might get harassed by debt collectors until you produce that cash and give it to the lending entity. If you can’t get the lender that money quickly, that will negatively impact your credit score as well.

You’ll also have to undertake the responsibility of paying the lending entity whatever amount of money the other co-signer doesn’t have. Doing so can make your life difficult if you must dip into your savings, if you’re on a fixed income, or in similar situations.

Before you co-sign for a loan, make sure you trust the person with whom you’re co-signing. Understand that you’re on the hook for any missed payments if their fortunes change. 

Press Release Service
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Newswire.com

Original Source:

Credello: Here’s Why, According to Experts, You Should Think Twice Before Co-Signing a Loan

Credello: Here’s Why, According to Experts, You Should Think Twice Before Co-Signing a Loan

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Coppa Cocktails Reach American ShoresCoppa Cocktails® & M.S. Walker Brands Launch ‘World’s Best Cocktails’ in the U.S. Consumers Are Encouraged to “Just Add Ice!” for a World-Class Cocktail Experience

Coppa Cocktails Reach American Shores
Core 4 Coppa Flavors

Core four Coppa flavors in the US

BOSTON – August 11, 2022 – (Newswire.com)

M.S. Walker Brands has partnered with Coppa Cocktails® to bring its robust line of award-winning classic to contemporary premium pre-mixed cocktails to U.S. shores. Developed by Toorank International Spirits, a Dutch distilling and bottling company founded in 1978, Coppa Cocktails are currently available in more than 30 countries. With natural flavors and premium spirits, 15% ABV, an SRP of $17.99/750mL, and disruptive packaging, Coppa Cocktails appeal to the modern consumer who seeks high quality, convenience, and aesthetic appeal. The brand is currently distributed in more than 27 states with an aggressive nationwide rollout underway. 

The core flavors are:

  • Margarita, made with tequila, orange liqueur, lime, and natural flavors, its distinct yet smooth agave aroma is followed by a tart, refreshing palate
  • Mojito, made with premium Caribbean white rum, lime, and mint, with prominent initial aromas of fresh and sweet mint leaves, followed by a palate led by refreshing sour lime
  • Strawberry Daquiri, again made with premium Caribbean white rum and lime juice, this time with the addition of fresh strawberries; the sweet and sour flavors of freshly muddled strawberries are very evident on the palate
  • Piña Colada, made with premium Caribbean white rum, vodka, rich cream, coconut, and the sweet flavor of pineapple juice, this Gold Medal winner from the Denver International Spirits Competition speaks for itself: no blender, no problem; just add ice!

Coppa Cocktails’ Cosmopolitan, Long Island Iced Tea, Mai Tai, Rum & Ginger, Sex on the Beach, and Tequila Sunrise are also currently for sale in the U.S. All Coppa Cocktails are non-GMO. 

José B. Chao, President of Coppa Cocktails USA, says, “We pride ourselves on offering the world’s best cocktails. Whether making life easy at home, or increasing speed and consistency on-premise, every Coppa Cocktail delivers a delicious, premium, and effortless cocktail experience.”

“As the ready-to-drink category continues to grow, we see a tremendous opportunity for a brand of Coppa Cocktails’ quality and visual appeal,” says Gary Shaw, Executive VP of Sales for M.S. Walker Brands. “Our strategy includes a vigorous in-store tasting and retail activation program, and we are confident consumers will experience the outstanding quality of these cocktails.” 

Please enjoy responsibly.

For more information, please visit www.coppacocktails.com and follow us on Instagram, Facebook, and YouTube.

Media samples, hi-res images, video, and interviews are available upon request. 

Imported by Coppa Cocktails USA, Boston, MA. 

About M.S. Walker Brands

Founded in 1929 in Boston, Massachusetts, M.S. Walker Brands acts as an importer of curated nationally marketed spirit and wine brands from around the world, in addition to producing its own internationally marketed spirits brands in Boston, MA.

Related Files
Coppa Margarita & Mojito Tech Sheets.docx
Coppa Strawberry Daiquiri & Pina Colada Tech Sheets.docx

Press Release Service
by
Newswire.com

Original Source:

Coppa Cocktails Reach American Shores

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