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NEW 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.
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NEW YORK – August 11, 2022 – (Newswire.com)
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The Company confirms nine Well Groomed Pets’ salons were just sold in Texas and Arizona.
Well Groomed Pets Salon
Well Groomed Pets Grooming Area
OVIEDO, Fla. – August 10, 2022 – (Newswire.com)
Noting the acceleration of annual growth within the pet industry, The Well Groomed Franchise System (WGFS) announced today that franchise sales of its Well Groomed Pets salons are on pace to more than double earlier 2022 projections. The Company also announced today that nine new salons were recently sold in Texas and Arizona.
“The strong growth of the overall pet industry, specifically pet adoption and pet ownership, has created a very favorable business environment for pet support services like dog grooming,” said Roger Lloyd, President of WGFS Franchise Operations.
Well Groomed Pets salons, the Company’s retail wellness and grooming franchise salons are largely powered by proprietary software that provides a high-touch, high-tech client experience. In addition, the technology automates many of the grooming salons’ operational burdens allowing owners to scale into multiple stores quickly.
“Technology is one of our unique differentiators,” added Lloyd. “Our goal is to be the most profitable franchise company in the pet industry. Leveraging technology is the key and we have built a solution that addresses a number of industry pain points including scalability.”
The salon environments also offer the industry’s highest standards for safety. All dogs are required to have all vaccinations up to date (Rabies, Parvo, Distemper and Bordetella) and every grooming staff member must pass the American Kennel Club’s Safe Certification test with a score of 90% or better.
“The growing trend of dog socialization through community dog parks introduces a growing risk of disease contagion. Well Groomed Pets sets a high bar for wellness and we want every pet parent to know that Well Groomed Pets’ salons are the safest in their community,” said Lloyd.
About Well Groomed Pets
The Well Groomed Franchise System is a premium grooming and wellness retail franchise concept that employs AI and machine learning to customize pet grooming treatments for optimal results specific to a pets breed and wellness condition. A 44-point physical, physiological and behavioral wellness exam is included with every grooming session. Proprietary software is also utilized to automate much of the operational burdens associated with a traditional grooming business allowing franchise owners to scale quickly to multiple salons. The company launched its franchise system in late 2021 with its first store opening in January of 2022. By mid 2022, the Company had sold 25 franchise units in five states and is expecting to sell 40-60 by year end. The Well Groomed Franchise System is actively seeking franchisees interested in multi-store ownership opportunities. For more information, please visit www.wellgroomedpets.com.
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Jill’s Next Door has quickly become a top choice for pet parents living and traveling in Palm Beach County, offering various services that ensure pets receive the best care possible.
Jill’s Next Door Dog Walking & Pet Services, LLC
Pet Care Professional
BOCA RATON, Fla. – August 10, 2022 – (Newswire.com)
Jill’s Next Door Dog Walking & Pet Services, LLC, was founded by pet care professional Jill Merjeski, MS, CPPS, CTNRP, and has become one of South Florida’s premier dog walking and pet sitting companies. Jill’s Next Door strives to provide pet parents with high-quality services and the peace of mind they need that their beloved animal companions are in good hands.
About Jill Merjeski, MS, CPPS, CTNRP
Jill is a Certified Professional Pet Sitter with extensive experience in pet care, animal behavior, and rescue. She is a current member of Pet Sitters International (PSI), the National Association of Professional Pet Sitters (NAPPS), and the International Boarding and Pet Services (IBPSA).
Jill’s Next Door was founded on the belief that pets deserve the best in care. With her team of fellow pet care professionals, Jill ensures that all her clients have access to reliable pet care specialists and dog walkers. In doing so, she helps provide her local South Florida community with compassionate and comprehensive care for their dogs, cats, and other animals.
Jill is one of the dog walkers Boca Raton residents call first when they’re in need of pet care services, and has had the honor of being recognized for both her business and her advocacy work. Recent awards include Palm Beach Post‘s Best Pet Sitters Award 2022, Best of Palm Beach County’s Best Dog Walker Award in 2019 and 2020, and Petatarian of the Year from the International Boarding & Pet Service Association. In 2020, Jill was also awarded Pet Sitters International’s Pet Adoption Advocate of the Year Award.
Whether it’s a dog walker or a pet sitter, Boca Raton, Delray, and Highland Beach know that Jill’s Next Door is the one to trust. To learn more about available services, including pet sitting, dog walking, overnight visits, and more, please visit www.jillsnextdoor.com.
About Jill’s Next Door Dog Walking & Pet Services, LLC
Jill’s Next Door is a professional dog walking and pet care service business serving Boca Raton, Delray Beach, Highland Beach, and other communities throughout South Florida. Services include dog walking, overnight pet sitting, small animal care, and more, and are available to residents and visitors.
Visit www.jillsnextdoor.com for more information.
Jill’s Next Door
(561) 544-PAWS (7297)
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