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Originally Posted by crash9
You've got a very good point there. I was just shooting from the hip, but if you keep it small and make it a personal loan I'd doubt you'd be in to deep. Maybe not, always good to check with a lawyer.
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Maybe want to consider a "rent to own" before using the word loan anywhere on paper - a single word can kill you in a court room. R T O is pretty clear pay 40 x @ $xx and then you can keep it
But even now you have to declare the actual charges in a RTO agreement.