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Now, that's not to say that companies such as OneMain will not issue any loans, and in fact they are more likely to issue a loan than a traditional bank like Chase or Bank of America.  The old school banks have become almost non-lenders at this point when it comes to unsecure or signature loans.  If the loan isn't for some hard collateral purchase, such as a car or a home, then the bank basically goes into a shutdown mode.  With all of the losses the banks have suffered since the housing collapse that started in 2007 they just are not willing to take the risk on a loan where the only method of collecting on the loan is to start calling the person asking them to start making their payments again.  In the case of a car note or a mortgage the bank can reclaim the car or they can foreclose on the home. </span></td> </tr> </table></td> </tr> <tr> <td colspan="2" height="1" class="spaceRow"><img src="http://picsrv.fora.pl/subSilver/images/spacer.gif" alt="" width="1" height="1" /></td> </tr> </table>
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