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Disclaimer: Neighborlender is not a credit counseling or debt consolidation company. We do not issue loans. We facilitate and connect individual to loan to individuals. All loans issued are the property of the issuing creditor. One loan may be owned by multiple creditors. A loan that has not been paid as agreed, will be subjected to collections and restitution may be collected through the individual purchasing the loan, by small claims or other legal means. All loans are subject to a late charge of $100.00 regardless of the amount, if late over five business days past the due date. TERMS & CONDITIONS