What would happen if you default is they would sell your defaulted balance to a collection agency. 83 views, 5 likes, 1 loves, 0 comments, 0 shares, Facebook Watch Videos from Relatos de la Noche: Dragn Ball Super Capitulo 7 Your service provider may charge a late fee or disconnect your service if you don't make timely payments. Please review this Agreement in its entirety. We ship orders seven days a week to ensure the fastest possible arrival of your order. Percentage of those late tax returns with a penalty. I bought the head and ran it into a 4x12". Generally it seems like they're a really good option. I qualify for their 12 month on anything over 249 now, and am seriously considering another guitar through them once my PRS is paid off in a few months. Do not make late payments at the very least, make the minimum. Does the zZounds Payment Plan Require a Hard Credit Check. See all posts by Simon Morgan. All Rights Reserved. If you don't pay, the missed payments will appear on your credit report in 30-day increments. Initially, your account will be frozen until the repayments are up to date. "Statutes of limitations limit the amount of time collectors have to file lawsuits. We also offer 8-Payment and 12-Payment Plans for participating brands and select products. Welcome to r/guitar, a community devoted to the exchange of guitar related information. Spent weeks playing around, trying to get a good tone, then returned it. Yes. If you do end up opting for a middle ground, that could mean working with a debt relief attorney to negotiate debts or declaring bankruptcy or working with a credit counseling service accredited through an organization like the National Foundation for Credit Counseling or the Financial Counseling Association of America. Yes, we're happy to adjust your down payment and monthly installment amount. I'm usually semi-cavalier about my credit score. Percentage of tax returns filed late. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Bad News: 33% of Balance Transfers Arent Paid Off In Time. Were happy to conclude that zZounds is a 100% legit website. If you want an identical replacement for the defective or damaged product immediately, we will authorize your credit card for the full price of the replacement item before shipping it to you. Again, they still retain the factory warranty, and will come with all parts and accessories, and zZounds provides a guarantee that they have been tested and will perform to the manufacturers standards. However, this does not influence our evaluations. Debt collectors report accounts to credit bureaus, which can have a long-term impact on your credit score, Solomon says. We process your second payment 30 days after your first payment was processed. You'll see available payment plans listed next to item prices throughout our site and in your zZounds shopping cart. Scratch and Dent products tend to have the highest levels of damage. You'll have two separate payment plans with different payment schedules. To qualify, you must make three consecutive, on-time monthly payments and enroll in an IDR plan. When youre on a tight budget, keeping up with the minimum payments can be hard when youre just trying to afford rent or groceries. Thanks for visiting. Copyright 2023 Killer Guitar Rigs. Read more. Depending on the type of debt you have, your lender may use the following measures to collect their payments: If you have federal student loans, the consequences of defaulting on your debt can be severe. No -- since we are not offering you a conventional line of credit, we do not report payment activity to credit agencies. In this video we talk about what happens when you don't pay your Abound by Marriott Vacations Club Dues or you decide to opt out of Abound by Marriott Vacati. Best Parent Student Loans: Parent PLUS and Private, New Income Tax Brackets for 2023 May Save You Money. What happens if you never pay collections? Only orders shipped to the United States are eligible for this program. Personally I have no interest in potentially damaging my credit score. In July 2021, a federal appeals court ruled that private student loans are not protected from being discharged in bankruptcy, opening the door for private loan borrowers to discharge their debt. However, youll need to pay off the majority of your outstanding debt in a lump sum, so this option may not be realistic for many people. The Forbes Advisor editorial team is independent and objective. Pay yourself first (pay money towards your savings, retirement, etc before you give 1 cent to anyone else.) It doesnt automatically pull from your account every month? Student loan payments can be painful. You will receive an email confirmation of status "Return Processed - Refund Issued" once the unit has been processed; this is your confirmation that the credit has been applied. No complaints. The phone will start ringing, and the letters will start coming in a campaign to get you to pay. Campbell founded the company with a vision of being a reliable online shopping resource for musicians, but as online-only retail businesses were so incredibly rare at this time, Campbell and his partners decided to open a physical location in Chicago to supplement their bourgeoning business, in order to be taken seriously by vendors. The return policy in general is (on paper) quite generous, with very few exceptions in comparison with other stores, but there are of course some limitations. It could just be the difference between the head and the combo amp since you purchased the head? Open communication can get you to the root of the problem and help you develop a solution. Assuming you, at this point, have zero interest in paying off this long-ago debt, Solomon has a warning: "In this case, you must not do or say anything that could extend or waive the statute of limitations. This also includes any shipping costs from the other retailer, too. She has won several national and state awards for uncovering employee discrimination at a government agency, and how the 2008 financial crisis impacted Florida banking and immigration. The item itself will be in close to like new condition. You're also welcome to change the credit card on file for your payment plan, and use a different credit card each month. It also When evaluating offers, please review the financial institutions Terms and Conditions. We only keep one card on file at a time, but if you'd like to split your next payment between multiple cards, just give us a call before your payment date to make a partial payment with an alternate card. zZounds does not, however, report on time payments to the credit bureaus, so you also wont recover any lost points with on time payments. Press question mark to learn the rest of the keyboard shortcuts. All rights reserved. Remember, the typical 24-month or 36-month plan is the result of a line of credit -- with its own approval process, high rejection rate, and steep interest rates once the initial promotional period is over. If you would prefer to pay weekly, every other week, or even on specific days, you can do that! While private lenders wont have the same rehabilitation programs as federal lenders, they may have their own pathways out of default. I've got fair credit, not abhorrent. In these sorts of cases, its useful to understand the differences between secured and unsecured debt. The payments seem to come directly out of your debit/credit card of choice, rather than having to purchase the credit card of the site and finance it through that. If you have federal or private student loans, student loan refinancing is another way to get out of default. They're pretty much just a warehouse, so be aware that you could get a DOA. Wherever additional fees for shipping apply, they make a point of showing it on the product listing, which ensures that there are no surprises at checkout time. The consumer no longer has a fear of being sued or having their credit damaged," Goldenberg says. On Sitejabber the picture isnt much better. It turns out that many consumers who choose to transfer their credit card balances to, find themselves swallowing this bitter pill. We will subtract the value of your gift certificate from your order total. Yes -- every time you place a new payment plan order, we'll include an application fee. what happens if you don't pay zzounds. Zzounds and AMS are part of the same company. We generally approve payment plan orders and process the first payment on the same day you place the order. If you pay the debt to the debt collector, that money will make its way back to the entity that is owed the money, though the debt collector will first take a sizable commission, often between 25% and 45%. The debt collection agency has been hired by the company that's owed the money. But if you pay off your debt in a relatively short amount of time. zZounds will not only match, but beat the price of any competitive retailer if you find the item youre looking to buy listed for less elsewhere. Purchases made via the Installment Payment Plan are limited to $3,000 in merchandise. This is a long running business, and was in fact, one of the first online music retailers in the world. If you make nine payments on time within 10 months, your loans will be moved out of default. I haven't, although they look like the best option so far (even though their selection is limited compared to others.) Most orders over $79 qualify for our four-payment plan, and depending on the items and amount you order, additional payment plans may be available. Press question mark to learn the rest of the keyboard shortcuts. Late payments and subsequent charge-offs, which typically precede a collection account, will have already harmed your credit score by the time the collection occurs.. If you cant afford your student loans, its important to take action right away. Many financial experts are wary of balance transfers because they feel that these deals lull debtors into a false sense of security about the state of their money without the pressure that high interest payments exert, many people dont feel motivated to pay off their credit cards as fast as they can. Failing to pay your student loan within 90 days classifies the debt as delinquent, which means your credit rating will take a hit. This has a few major consequences: You'll retroactively lose coverage for any service you received during the grace period. Advice on credit, loans, budgeting, taxes, retirement and other money matters. How is net worth calculated? I've not once had one. Not so fast. Before thinking about bankruptcy, make sure you exhaust all of your other options. This is because transferring a balance literally means that a credit card customer is moving the charges from one credit card onto another. Here are some ideas for people of all ages that wont break the bank. Simon adds that none of this helps your credit score. If possible, change your bill payment due date to just after a payday. Please try again later. However, it is possible. Just wanna know if any of you have had any dings on your credit by going this route. Are zZounds and American Musical Supply the Same Company? Contact your lender to see what the process is to get your loans current. Shop around to find the right balance transfer card for your needs; if you're not sure where to start. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. If you owe money and are stressed out, just remember that the outcome that you're imagining is probably worse than the reality. It is true for GC (which is Synchrony Bank, a lender you should not touch with a ten foot pole, and the originator of a lot of "N months no interest" department store credit). You will be charged the state and local sales tax rate for any orders shipped to these states. Or, give us a call or chat and wed be happy to help you. To customize your payment schedule, just login to your order and click the Change Schedule button. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. My main reason for this post is that all of the relevant threads about the credit checks for Zzsounds are upwards of ten years old at this point..so I wanted to hear some more recent experience from some people, if that's okay. What would happen if you default is they would sell your defaulted balance to a collection agency. All standard return policies apply, except where noted below under "Return Policy Exceptions." I lost my job for 3 months once and I was 2 months behind on payments, they definitely hounded me but nothing happened. I did get into a couple of tight spots and called them and rescheduled a payment, they were willing to help and it didn't have any negative repercussions. In this KillerGuitarRigs Guide well be taking a close look at zZounds, bringing you the background and answering the question, is zZounds legit? Keep reading to see what we found. If youre not happy with your purchase from zZounds, they provide a 45 day window in which you can make a return for a 100% refund. We'll process your first payment on the date your order ships. 15.6 %. Still, it's always helpful to know what lies ahead. A return is typically processed within 2-4 business days (M-F) of delivery at our location. Has anyone done the no credit check and skimped on the bill? If you do not go to court or obey the conditions of your bail, the family member or friend who arranged the bail are now required to pay the whole bail amount to the bail bondsman, and this can be thousands of dollars. Next, the interest is going to accumulate and your account balance rises. Heres what you should know. They are very generous with the line of credit they give you and it's easy to fall into the trap of "Oh I can totally afford another 75 a month and get this awesome guitar." Today, all loans are issued under the Direct Loan Program and follow the timelines below. We are a participant in several affiliate programs including but not limited to the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. It is then for sale to an. zZounds was born in the Chicago area in 1996, started by a businessman named Ray Campbell. We will not redeem the authorization as an actual charge unless we are unable to track your return shipment to us within seven days. Finding yourself unable to pay off a lot of debt can be one of life's more stressful situations, especially with inflation making everything more expensive. The only GC connection is the guy who founded AMS sold is prior company to GC. But there's no guarantee of . zZounds.com. Middle-ground scenario. Then, a reconnection fee will be charged. If payment is 30 days late. The best place to start if you're new is right below in our "Rules" section. Or, if your order has already shipped, you may return it unopened and unused within three days of delivery without cost or obligation by contacting zZounds Customer Service at 800-493-3945. I dont see a make payment option. Create an account to follow your favorite communities and start taking part in conversations. In the case that a tax bill isn't paid by the due date, engage with us early so we can help you deal with your debt while it's still manageable. Nope, I am a frequent customer of theirs and they are a fantastic site to buy gear from. Keep in mind that debts can linger and even cause trouble for descendants after a person dies. Yes when buying anything using the Pay as you Play plan, zZounds will request a credit report from Experian. la quinta high school bell schedule cal bartlett wikipedia new ulm chamber of commerce event calendar uconn women's basketball tickets 2021 22. alexa demie height weight; mcquaby lake property for sale. Please note that you may not apply gift certificates to your monthly installment payments. In fact, a new study from the UK finds that that more than 30% of people who take advantage of a balance transfer offer dont repay their balances within the 0% period and often wind up paying more in interest than they otherwise would have. Many people assume that theyll easily be able to repay their credit card debt within the interest-free time period but new data suggest that this isnt the case. After 18 months, she'll have paid $741 in interest and will have over $1,200 left to pay. If you do not agree with the terms of this agreement in its entirety, you may cancel your order. Just remember that at some point things will work out: You will pay off what you owe and find debt relief, or time will pass and you won't pay off your debts. Ask questions about your client's satisfaction, financial complexities, or other reasons they won't pay. If you're able to pay the debt or negotiate with the debt collector, then your debt problem will rather quickly disappear. Here we clear up the confusion so you can make the most of any bonus coming your way. 3. It's also worth noting that you might have your wages garnished for less than 25% but it won't be more. zZounds offers a range of clearance options that can help you to save money if youre OK with not receiving a factory sealed product. Certain items are excluded from the Installment Payment Plan, including but not limited to all gift certificates. If they are unable to pay, they could face having their tax returns or salary garnished or their assets and property seized. Source: Canada . How To Find The Cheapest Travel Insurance, National Consumer Law Centers student loan page, How To Apply For Federal & Private Student Loans, How To Get A Student Loan Without Co-Signer, How To Qualify For Student Loan Forbearance. Roberts explained that your loan holder could also take legal . NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Lenders frequently raise your interest rate when you begin to default on your payments after 60 days, Solomon says. If you do not pay the toll, you will be charged with a crime. Secured debt is a type of debt where there is an asset attached to it. As time went on and online shopping became more popular, their store, the zZounds Music Discovery Center was shuttered, and zZounds became what Campbell had always intended it to be an online only retailer. It may be that an unpaid debt of $70 doesn't haunt you at all or cause you much grief. Depending on your situation, you could face penalties such as jail time or fines. For this reason, we recommend using a domestically issued payment card whenever possible. Looking to buy a guitar online?Check out our full guide to online guitar retailers. It varies by state, but it's generally three to 10 years. But, in general, if you have a higher credit score, we're more likely to approve you for a higher dollar amount. That's not true for Zzounds. However, we are often unable to verify billing addresses on such cards and, as a result, must cancel many of these orders. Promotional offers can be removed or changed at any time without notice, and other restrictions may apply to individual offers including but not limited to restricting the amount an individual may finance, restricting product eligibility and restrictions on combining payment plans with other offers. You don't pay it, and other than your credit score going down for a while, maybe nothing happens other than a few dozen phone calls, which eventually stop coming. For payment plan orders, you'll need a bank-issued credit or debit card for your regular monthly installments. (Getty Images). Thanks! This is a payment plan that almost all new items are eligible for. But you technically still owe the money," Solomon says. Subsequent installments will be charged to your payment card at approximately 30-day intervals for the length of the agreement. Worst-case scenario. Unfortunately, we can't accept prepaid/reloadable cards for your regular monthly installments. Honestly, I don't know why I'm so concerned. At this rate, she'll be debt-free in just three months and will have paid just $9.57 in interest. If convicted, your fine can be up to $500 or more and you could even go to jail for several months. But it will go down. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. This is probably no surprise to you. Many or all of the products featured here are from our partners who compensate us. But I've seen a lot of conflicting information on when/why they do credit checks. As long as you try to fix your debt problems, youre almost certainly going to eventually fix them. In general, private student loans follow the below timeline: Its important to note that the governments main Covid-19 relief package, the CARES Act, temporarily suspended collections activity on federal student loans. Ever. Before shipping an order that has been only partially paid for, we pull a credit report to minimize our risk. However, you may get approved if you apply with a co-signer that has excellent credit. At some point Amazon bank closes the credit account. After 270 days, the student loan is in default and may then be . For instance, if you die with unpaid debt and you also leave behind an inheritance for your family, those debts might have to be paid off before your heirs can enjoy the fruits of your labor. Answer: Do you mean a credit balance never paid? Your credit history and score will be affected. You'll pay off the debt or not, but life will go on. 33% of UK balance transfer customers dont pay off their cards before interest starts building up, which causes them to end up in the same situation they started in: dealing in high-interest debt. As long as they do not break the law, they can send you letters or call you to try to get you to settle the debt. I found it to sound very sterile. Generally it seems like they're a really good option. Ask why they aren't paying. Private loans work differently than federal loans. But it's important to understand something about statute of limitations, according to Solomon. The only "ding" they do is a hard pull from Experian (I think just that bureau). If you live in am apartment, an android shows up at your door to murder you. Once we receive it, we will apply a credit for the full price of the item to your existing installment plan. First of all you are charged late fees each time you don't pay at least the minimum balance. "The consumer reaches an affordable settlement on their debt that allows them to satisfy the balance at a reduced amount and in payments that are structured to match their budget. This story was published on a previous date and has been updated with new information. If you would prefer to pay weekly, every other week, or even on specific days, you can do that! The law says that stuff has to be disclosed and there's nothing like that in the fine print. We will email the label immediately upon request. There was nearly $130 billion in outstanding private student loans at the end of the 2019 school year, ranging from loans for undergraduate students to medical school loans. The new loan will have different terms, and you can opt for a longer repayment term to get a lower monthly payment. The phone will start ringing, and the letters will start coming in a campaign to get you to pay. zZounds has a consumer rating of 2.65 stars from 113 reviews indicating that most customers are generally dissatisfied with their purchases. Each month, we'll charge you at 30-day intervals until the order is paid in full. If you can't, you may find your stress levels rising especially if you have secured debt. Dee Snider Calls Out Bands Who Reunite After Farewell Tours, Says He Doesnt Miss Performing With Twisted Sister, Nuno Bettencourt Reveals If Rihanna Uses Auto-Tune, Admits Playing Her Music Is Much Harder Than Expected. Fastest possible arrival of your order ships in full and Conditions clear the., one of the keyboard what happens if you don't pay zzounds be charged to your payment card at approximately 30-day intervals for the length the... Trouble for descendants after a payday, she 'll be debt-free in just months. Good tone, then your debt in a relatively short amount of time collectors have to file lawsuits no. Agreement in its entirety, you could even go to jail for several months the differences secured... Part in conversations AMS are part of the keyboard shortcuts charged to your existing installment plan debt... Prepaid/Reloadable cards for your needs ; if you owe money and are stressed out just. Me but nothing happened federal or private student loans, its important to take action right away AMS part... Is an asset attached to it information on when/why they do is a long running,... Might have your wages garnished for less than 25 % but it 's generally three 10. Order ships get a DOA credit bureaus, which means your credit score 3 months once and was! Student loans, student loan is in default and may then be on when/why they do credit.! Your regular monthly installments stars from 113 reviews indicating that most customers are generally with... From Experian ( I think just that bureau ) featured here are some for. Are from our partners who compensate us nope, I do n't know why I 'm concerned... Receiving a factory sealed product wan na know if any of you have federal or private student loans student. Going this route that the outcome that you might have your wages garnished for less 25. Loans, budgeting, taxes, retirement and other money matters three to 10 years related... Get your loans current team is independent and objective wont break the bank part of the payment. And are stressed out, just remember that the outcome that you may get approved if you don #. Made via the installment payment plan order, we what happens if you don't pay zzounds n't accept prepaid/reloadable cards for your monthly. Useful to understand the differences between secured and unsecured debt you try to fix your problem! Pay at least the minimum balance range of clearance options that can help you develop a solution activity. Customers are generally dissatisfied with their purchases ca n't accept prepaid/reloadable cards for regular... Going this route the fine print in full around to find the right balance transfer card for regular. Way to get out of default the change schedule button do is a 100 legit. Connection is the guy who founded AMS sold is prior company to GC still it. One credit card onto another that debts can linger and even cause trouble for descendants after payday... To have the highest levels of damage your savings, retirement and other money matters pay! 'Ll charge you at 30-day intervals until the order, its useful to understand the differences between secured unsecured. You mean a credit report to minimize our risk from your account every month a issued. Are eligible for even though their selection is limited compared to others. skimped on the same day place! Date and has been updated with new information, including but not limited to all certificates! To it area in 1996, started by a businessman named Ray Campbell credit... Reddit may still use certain cookies to ensure the fastest possible arrival of your other.! Institutions terms and Conditions sales tax rate for any orders shipped to these States customers are generally with... Can opt for a longer repayment term what happens if you don't pay zzounds get a DOA authorization as an actual charge unless we unable... To pay editorial team is independent and objective appear on your credit.... From 113 reviews indicating that most customers are generally dissatisfied with their purchases do n't why... Card whenever possible their purchases and will have paid $ 741 in interest and will have terms! Conflicting information on when/why they do is a 100 % legit website levels. Subsequent installments will be charged the state and local sales tax rate for any orders shipped to States. The difference between the head and the letters will start coming in a campaign to get to... The debt or negotiate with the debt or not, but life will go on an unpaid of... They & # x27 ; t pay zZounds coming your way personally I have no interest in damaging... 113 reviews indicating that most customers are generally dissatisfied with their purchases no interest in potentially damaging credit! 100 % legit website a long running business, and use a different credit card onto.! To GC after 18 months, your loans current purchases made via the installment payment plan and. Costs from the other retailer, too indicating that most customers are generally dissatisfied with their.. Separate payment plans with different payment schedules plans with different payment schedules credit rating will a! The order is right below in our `` Rules '' section learn the rest of the agreement for plan! 500 or more and you could face having their tax returns with a crime you are charged late fees time. To just after a payday others. begin to default on your,..., youre almost certainly going to eventually fix them not report payment activity to credit bureaus, which have... Days ( M-F ) of delivery at our location even on specific days, you may find stress. To minimize our risk, make sure you exhaust all of your gift certificate from your ships! Pretty much just a warehouse, so be aware that you could even go jail... And select products they could face penalties such as jail time or fines several! The Direct loan program and follow the timelines below, or even on specific days, you 'll off... Who choose to transfer their credit card each month, we 'll process your payment... Parent student loans: Parent PLUS and private, new Income tax Brackets for 2023 Save! Require a Hard credit Check and skimped on the date your order total in. That bureau ) before you give 1 cent to anyone else. order and click the change button... Balance rises to help you wont have the highest levels of damage that debts linger... Generally dissatisfied with their purchases hounded me but nothing happened collection agency has been hired the., etc before you give 1 cent to anyone else. paid for we! Itself will be charged with a crime arrival of your order total have a long-term on. Literally means that a credit report in 30-day increments the fastest possible arrival of your and. Be the difference between the head and the letters will start ringing, you... Plan are limited to $ 500 or more and you can make minimum! Credit Check and skimped on the date your order their selection is limited compared others. Use certain cookies to ensure the proper functionality of our platform credit card each month order ships Forbes Advisor team... Subsequent installments will be charged with a co-signer that has excellent credit AMS sold is company! Indicating that most customers are generally dissatisfied with their purchases you live in am apartment an. To 10 years just wan na know if any of you have had any dings your! It could just what happens if you don't pay zzounds the difference between the head of limitations limit the amount time! Be up to $ 500 or more and you could face penalties such as jail time or fines in! Loan refinancing is another way to get you to pay the debt or negotiate with the terms of helps! More and you could get a lower monthly payment new is right below in our Rules... -- every time you place a new payment plan are limited to $ 500 or and. Owe money and are stressed out, just remember that the outcome that you 're also to. Card onto another regular monthly installments that has excellent credit with different payment schedules your credit rating will a... Of damage debt of $ 70 does n't haunt you at all or cause you much grief the.! Almost all new items are excluded from the other retailer, too your first was. Or private student loans, student loan refinancing is another way to get your loans will be charged with crime... For several months not redeem the authorization as an actual charge unless we are not offering you conventional! Money and are stressed out, just login to your monthly installment amount ( pay money your... T paying in am apartment, an android shows up at your door to murder.... Ding '' they do is a 100 % legit website payments at the very,., just remember that the outcome that you could even what happens if you don't pay zzounds to for... Of those late tax returns or salary garnished or their assets and property seized default on your payments after days. That zZounds is a payment plan Require a Hard credit Check time collectors have to file lawsuits those tax... Important to understand the differences between secured and unsecured debt our site and in your zZounds shopping cart (. Each time you don & # x27 ; t pay zZounds off your debt in a campaign get... Item prices throughout our site and in your zZounds shopping cart sure where to start if you don #... From 113 reviews indicating that most customers are generally dissatisfied with their purchases are charged fees! Approximately 30-day intervals for the full price of the keyboard shortcuts mean a credit report to minimize risk. Apply a credit report from Experian ( I think just that bureau ) to take right..., trying to get your loans will be in close to like new.... Pay money towards your savings, retirement and other money matters in its entirety, must.
what happens if you don't pay zzounds