Sorry that probably makes no sense....
Back in 01/29/2010 I finally got a "person" to put into a legal document the money that was owed to me and the terms so we could both move forward in a positive way.
Flash forward and not much has been paid and I have been cutting back like crazy lately and that has made me look at some other money options around and what things I had just let slip because I didn't need the money at the time (well I ALWAYS needed it but I talked myself out of it because of the stress) but I think stress of loosing things is now grown higher than ignoring.
I used Lendingkarma (sorry if I can't post) you input the loan amount, interest, fees if any, and term of loan, etc. and they print up legal documets per your state. I didn't realize in the biginning that if I didn't go in and record a .01 (1 Penny!) payment and then check that I wanted to add that on to the back of the loan and charge the fee that the online system would not actually move the loan... so then I did that for about a year and then stopped agian... so I would like to get it updated because I'm not looking into attorney's and obviously they will need the bottom line of filing and pay for each of us if worth it!.
I was looking for a calculor that I could put start date and amount and then get it to calculate to 01/31/2013 adding in late fee and interest each month to reach my new total on the loan?! Any help would be great.
Thanks.
Believe it or not, I totally understand where you're headed with this, but I'm unaware of a calc for it.
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This one is for mortgages, but you can adjust the term, interest rate...etc. I think it is what you need, I'm sorry if it's not. I hope this helps.
Swapmeet wrote:This one is for mortgages, but you can adjust the term, interest rate...etc. I think it is what you need, I'm sorry if it's not. I hope this helps.
I need reverse!
Loan Papers are:
03/28/2010 first payment due.
Loan is for $9,000.00
Interest Rate is 18.00%
Late fee after 5 days is $35.00
Loan term is 36 months.
If payment missed, the late fee is added and the interest is calculated and added to the END of the loan. Sorry my edit... it is added to next payment... I will post what I have and then maybe I'm actually wrong on the interest growing.....
Payment Number Amount Paid Amount Due Payment Due Date Date Received Interest Paid Principal Paid Balance After
 17 | $0.01 | $3,387.61 | 07/28/2011 | 03/05/2012 | $0.01 | $0.00 | $8,072.60 |
| 16 | $0.01 | $3,062.25 | 06/28/2011 | 02/02/2012 | $0.01 | $0.00 | $8,072.60 |
| 15 | $0.01 | $2,736.89 | 05/28/2011 | 11/28/2011 | $0.01 | $0.00 | $8,072.60 |
| 14 | $0.01 | $2,411.53 | 04/28/2011 | 11/03/2011 | $0.01 | $0.00 | $8,072.60 |
| 13 | $0.01 | $2,086.17 | 03/28/2011 | 10/03/2011 | $0.01 | $0.00 | $8,072.60 |
| 12 | $0.01 | $1,760.81 | 02/28/2011 | 09/20/2011 | $0.01 | $0.00 | $8,072.60 |
| 11 | $0.01 | $1,435.45 | 01/28/2011 | 08/12/2011 | $0.01 | $0.00 | $8,072.60 |
| 10 | $1,600.00 | $2,710.08 | 12/28/2010 | 07/27/2011 | $755.07 | $844.93 | $8,072.60 |
| 9 | $325.00 | $2,709.71 | 11/28/2010 | 07/27/2011 | $325.00 | $0.00 | $8,917.53 |
| 8 | $0.01 | $2,384.35 | 10/28/2010 | 06/02/2011 | $0.01 | $0.00 | $8,917.53 |
| 7 | $0.01 | $2,058.99 | 09/28/2010 | 03/11/2011 | $0.01 | $0.00 | $8,917.53 |
| 6 | $0.10 | $1,733.72 | 08/28/2010 | 02/07/2011 | $0.10 | $0.00 | $8,917.53 |
| 5 | $0.01 | $1,408.36 | 07/28/2010 | 01/07/2011 | $0.01 | $0.00 | $8,917.53 |
| 4 | $0.01 | $1,083.00 | 06/28/2010 | 12/07/2010 | $0.01 | $0.00 | $8,917.53 |
| 3 | $1.00 | $758.63 | 05/28/2010 | 11/07/2010 | $1.00 | $0.00 | $8,917.53 |
| 2 | $0.01 | $433.27 | 04/28/2010 | 10/18/2010 | $0.01 | $0.00 | $8,917.53 |
| 1 | $0.01 | $325.37 | 03/28/2010 | 10/04/2010 | $0.00 | $0.01 | $8,917.53 |
| 1 | $217.46 | 03/28/2010 | 03/03/2010 | $135.00 | $82.46 | $8,917.54 |
| 3 | $ 0.00 | $ 2,516.72 | $ 9,000.00 | $ 6,382.23 | $ 15,382.26 |
Using the calculator posted... I would have this $15,382.26 with no payments... hard to throw in the 2 payments in the middle!
and also would then add in $35 late each month for 36 months?
This is fun to do if it was earnings! LOL this money is growing FAST! 
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