I figure avoiding the penalty and interest would a better alternative and I can't afford to pay it all this month.
208813
yes but not directly.  There's a pass through site that handles the payments.  the IRS's site has info on it.
102170
you might consider a no dock loan  which more expensive than a regular loan   or find a cosidner to help you with qualifying
342302
Technically, yes they can sue you for not making the proper payment. If you are at least making payments, the chances of them actually suing you are slim to nil.They will however continue to contact you trying to get the full payment. What I would recommend is for you to contact an account rep, explain your situation and see what they can do to help. When you just send a lower payment in instead of the full amount, they will charge penalties and interest, but if you speak with them and make other arrangements, in most cases they can and will lower the interest and also remove the extra fees. As long as you are willing to make the payments, they are willing to help.
16999
No you won't get penalized.  It is like giving an interest free loan to the IRS but a good way o trick yourself into saving money.  $100 might make too big of a difference in you paycheck try $50.
643697
I think you are wrong in any eyes.   I would think that they would give you a break and take monthly payments.  I also think they would find it less expensive compared to them paying a lawyer.
638060
see an attorney for a free consult.\n\nor ask if you can pay small monthly payments...
624890
You should look to try and join a credit union near you they usually are more forgiving.
407975
You will probably have to pay a penalty for overdrawing your account and interest on the $10 that you "borrowed".  The bank is always looking for ways to take your money for any reason.
445842
your not going to be able to find one with out payments that doesn't cost so much.
323143
Paying in one lump sum is usually greater incentive.  When you call them, tell you you will pay $xxx that day only, via online or telephone payment.  If they don't accept, tell them you are thinking about credit counseling, which usually abates interest and will make paying them much easier for you.
419877
I think I would try to hang tough and make it difficult for them, but I think you will probably have to pay.  In fact you are probably not the only person that was over-paid.  \n\nHowever, in your negotiations/discussions with them, make sure that they re-pay YOU for the 10% penalty and tax that will end up on you tax return for the year because of the pre-mature withdrawal of the funds to pay them back.
429679
You probably don't want a cheap one.\nYou might try American Express, they have a catalog that lets you pay monthly.
170904
If you owe a balance on the card, it will have interest accrue on it every month and I know you don't want that..
259759
That depends on if the bank you got your loan through will penalize you if you pay it off faster- sadly a lot of banks do that. Try calling the bank, explain you have a loan through them, and ask them if you can pay extra on your principle amount each month. If they say yes, then when you write your check for the payments, make sure to include an extra note which says, "Please apply any extra amount to my principle".\n\nIt also matters on how big your payments are- how much you can afford to pay per month.
108506
Last time I checked you could for a fee of about $7 per month. I didn't think it was worth it though.\nGood Luck
392042
Just pay it back. NO legal problem, but make up a story as to why you thought you were getting the extra money.
295249
Not having the money is not an excuse.  If you are sure you will have the money next month, tell them you will pay double next month and that you just forgot this month and made an error with your budget.\n\nIf it truly IS your first time, they will accept this.  Remember that you can only do this once.