You can quickly and easily check your eligibility online without affecting your credit score, and find out how much youre able to borrow within minutes. Youre more than a number in a database, and you deserve a financing solution designed for you. Hi Linda,We understand how important a healthy credit score is to our customers! Finder monitors and updates our site to ensure that what were sharing is clear, honest and current. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. You can borrow between $1,000 and $10,500 and repay it over 6 months to 5 years though this also depends on where you live. Applicants who submit an application And that is what the consumer protection lawyers at Mahany Law are investigating. by a member of the NetCredit family of companies or a lending partner bank. The availability of each product may vary by state. To apply, click on the Go to site button. Learn more about the financial flexibility you can get with a personal loan or line of credit. New York, NY, 10016. The Virginia lawsuit noted that Chicago-based Net Credit tells Virginians its loans are regulated by the state of Utah, which does not license loan companies or regulate their activities outside of the state. by a member of the NetCredit family of companies or a lending partner bank. Cookie Preferences, Blog And while its rates are high compared to traditional personal loan providers, they arent nearly as high as many short-term loan providers out there. . If you're approved for funds and sign your contract, NetCredit will perform a hard credit pull, which will be recorded on your credit report. Anna earned an Expert Contributor in Finance badge from review site Best Company in 2020. I trust them completely, and appreciate their professionalism. If we are unable to address your questions or concerns, you can also contact your state regulatory agency: Department of Financial Protection and Innovation 2101 Arena Boulevard Sacramento, CA 95834 Phone: 866.275.2677 Fax: 916.445.7205 www.dfpi.ca.gov Check Your Eligibility Transaction was absolutely fantastic. Draw from your Available Credit as often as you'd like. Rates & Terms page Loans made pursuant to a California Financing Law license (License No. All NetCredit loans and lines of credit are offered Confirm details with the provider youre interested in before making a decision. Next, fill in your personal information such as your phone number and address and click Continue to Step 2. Asset Protection Blog (Jeff Andrews Esq. You could get a no-cost loan or pay more than you would have with another lender. In general, the personal loan amount ranges from $1,000 to $10,500, but the specific amount you receive depends on your state's limits.. The biggest loophole is one that California and other states cant easily fix. NetCredit unveiled a personal line of credit product in May 2019. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. With flexible funding and free financial education, NetCredit is here to help you manage your money situation today and take steps toward a brighter tomorrow. When comparing offers or services, verify relevant information with the institution or provider's site. for your state for more information. The representatives were really nice and patient. Take a look at all of your debt. Most consumer loan agreements have mandatory arbitration agreements making class action cases difficult. We cant respond to everyone and likely wont respond before the beginning of the year. Reginald Trammel. support@netcredit.com (877) 392-2014; 175 W. Jackson Blvd; 60604; The lawsuit also alleges that Net Credit has lied to Virginians about the legality of its loan terms and that it has continued to automatically debit money from customers' bank accounts after they've filed bankruptcy and won a court-ordered freeze on debt collections. I needed some extra cash for home repairs and netcredit got me taken care of! That law makes important changes in the states consumer finance laws. With NetCredit personal loans, you can have up to a maximum loan amount of $10,000. The company recently discussed plans to evade the new law, noting discussions with the national bank MetaBank. Sitemap It operates under the brand Rise. We are interested to see how the Office of the Comptroller of the Currency will react. But with interest rates and fees as high as 155% APR and limited state availability, another lender might be a better option. Issues: Laws . for your state for more information. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Sign up or sign in to contribute one. Were a subsidiary of Enova International Inc., a NYSE listed company (ENVA). NC Financial Solutions of California, LLC dba NetCredit, Court Case No. Sign In to Your Account. No thanks, compare other personal loan options. Refer We shall soon see. I am still amazed how easy it was. 32 East 31st Street, 4th Floor, works for you is your decisionbut as a customer of 1 year, I am appreciative and impressed by their agents. In 2021, the Consumer Financial Protection Bureau received 24 personal-loan-related complaints about . You can also find better rates elsewhere if you have good to excellent credit. Highly recommend! It certainly is a step in the right direction but it has loopholes. Borrow from a short term lender and the typical result is a huge financial headache. Always know how much you're paying with a fixed APR and set payment amounts. 2101 Arena Boulevard Begin by creating your NetCredit account by filling in your name and email. Loans made pursuant to a California Financing Law license (License No. CA residents: NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC d/b/a NetCredit She was very helpful, knowledgeable, professional, listener and she solved my problem. But if youre late or default, it will lower your score. 5, Report #1335450. is licensed by the Department of Financial Protection and Innovation. Bankers Healthcare Group isnt just for licensed healthcare workers. Checking your eligibility for a NetCredit loan will result in a soft credit pull which means your credit score won't be impacted. Contact. To learn more, visit our About Us page. You have to sacrifice a little bit of the economics there because you have a, you have a bank partner there thats going to need a good rev share And I think . Payments are based on what you've borrowed, not your total credit limit. Loan terms vary based on application details and qualifications. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. In fact, some are already doing it. Quickly compare multiple online lenders with competitive rates depending on your credit. Cookie Preferences, Blog This resulted in them not being able to talk to a manager (obviously). In states where NetCredit loans and lines of credit are offered by a lending partner bank, loans and lines of credit are . That is misleading to consumers trying to shop for the best rate. We keep our reviews completely factual so you can use them to make better decisions. This includes anyone with loans branded as Speedy Cash, Rise, Elastic, NetCredit and CashNetUSA as well as high interest rate loans from Opploans. Fax: 916.445.7205 Yes. If approved, requested funds are typically deposited the next business day or sooner. Integra Credit installment loans. NetCredit offers two refinance options that will be made available to eligible current customers. That translates to an annual interest rate of 149.48 percent. Learn more at our Rates & Terms. The three big consumer lenders we are investigating, Elevate Credit Inc., Enova International Inc. and Curo Group Holdings Corp., are already scheming on ways to evade the new law. NetCredit is one of the few online lenders that offers installment loans that can improve your credit score for people with bad credit, since it reports payments. Pay off sooner, you win both ways! The exact timing as to when your loan funds will be available will be determined by your banking institution. In the Non-Bank Financial Service category. NetCredit offers small personal loans of $500 - $10,500 for people of all credit levels, even those with bad credit. At this point we anticipate a class action on behalf of consumers and borrowers. NetCredit charges Virginia residents rates between 34% and 155%, which violates the states 12% interest rate cap. At least 18 years of age | Virginia is suing one of the largest online lenders in the U.S. after reportedly charging Virginians millions in interest and fees. To help the government fight the funding of terrorism and money laundering activities, (Attorney Matthew A Rosenthal added to party Ariel Rios(pty:pla))(Rosenthal, Matthew) (Entered: 10/26/2016). It may be owned by a top lender, but that doesnt mean its upfront. Companies can ask for reviews via automatic invitations. NetCredit has partnered with Republic Bank & Trust Company and Transportation Alliance Bank, Inc. d/b/a TAB Bank to offer personal loans and lines of credit in some states. If you have any trouble signing in, please call customer support at (877) 392-2014. The laws sponsor was Assemblywoman Monique Limon of Santa Barbara. ), caps interest rates at 36% per year plus the fed fund rate (currently 2.5%), limits the terms of consumer loans ($2,500 $10,000) to a minimum loan term of 12 months and maximum loan of 5 years (This stops lenders from spreading loans over an extended number of years to hide the true cost. Qualified borrowers may be eligible to spread payments over as many as five years. We are proud to operate in compliance with California regulations. Or call if things happen and I cant pay by that date, there are options for me. Virginia alleges one of the nation's largest online lenders made more than $47 million of illegal, high-interest-rate loans that put Virginians on the hook for tens of millions of dollars in interest and fees. 603K020). Failure to provide additional documentation promptly may delay funding. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. ~~~Credit lines~~~~. The availability of each product may vary by state. Opt Out underwritten by, approved by and funded by Republic Bank & Trust Company or Transportation Alliance Bank, Inc. d/b/a TAB Bank. Review all categories and look for ways to cut expenses, particularly on non-essential "wants", or create a budget if you don't already have one. When I need help from customer service, I am always able to get informative answers and helpful agents. Of the three lenders we are investigating, Curo reportedly charges an APR (annual percentage rate) of 131% for a $5,000 loan. Compare large loans up to $200,000 with this legit online lender. About NetCredit: NetCredit is an online financial service company offering simple and transparent personal loans. We may also receive compensation if you click on certain links posted on our site. SDFCU VISA Secured $250. Its parent company, Enova International, says its corporate mission is "closing the world's credit gap" and "helping hardworking people get access to fast, trustworthy credit. . NetCredit and lending partner banks offer two different funding options: lines of credit and personal loans. All NetCredit loans and lines of credit are offered I was in a bind and they helped me out. Provide NetCredit with your employment information, birthdate, and Social Security Number. Missed or late payments add up and could result in their collections department contacting you or a negative hit to your credit score. Christine P. NetCredit knows customer service. ')[0], nonInteraction: true }); document.getElementById("popup-modal").classList.add("show-modal"); document.body.classList.add("stop-scroll");};function closeAlternativePopup() { ga('send', { hitType: 'event', eventCategory: 'USFIN Alternative Popup', eventAction: "Closed", eventLabel: window.location.href.split('? You may reach out to NetCredit directly for you to check if you are eligible for refinancing. Loans: NETCREDIT. BHG Money personal loans review: An option for professionals needing high loan amounts. Cookie Preferences, Blog You can borrow an amount that meets your needs and repay in a way that works for your financial situation. Ask them if they would rather have 0% when they force you into bankruptcy. is licensed by the Department of Financial Protection and Innovation. Lendtable cash advance for 401(k) matching review, 1 to 3 days or same-day in some circumstances, Must have a bank account at least 90 days old, Must be paid with direct deposit to qualify, Maximum APR just slightly higher than NetCredit&rsquo, Higher starting rates than other personal loan providers, Factors in education and career for a lower rate, Accepts credit scores as low as 580 in some states, Not high starting APR compared to other personal loans, Quick turnaround time with flexible repayments. See how much you can get in minutes with a secure application. National banks are exempt from state regulation on their interest rates. Confirm details with the provider you're interested in before making a decision. The case is currently still in the courts. Relatedlawsinvalidate loans that exceed those interest rates. Get prequalified loan offers in 2 minutes or less. Ress can be reached by telephone at 757-247-4535, Start your morning with today's local news, By submitting your email to receive this newsletter, you agree to our, Do Not Sell/Share My Personal Information. The existing loan balance along with the new disbursement will be refinanced into a brand new loan with a new contact and repayment schedule. Dennis N. Great company with super service. The repayment terms are flexible and there are no early repayment fees. Financial Resources If you have poor credit and need emergency cash, payday loans may seem like a blessing. to the underwritten by, approved by and funded by Republic Bank & Trust Company or Transportation Alliance Bank, Inc. d/b/a TAB Bank. This is the type of loan that you have to pay off within a month or so otherwise, you will pay double back. The best facts lead to the best court outcomes. I waited for 3 days for my application to be processed. We update our data regularly, but information can change between updates. Pleasure to do business with. Have you considered Best Egg personal loans? Head to our Rates & Terms for more details and to learn what is offered in your state. . Calculate how much you could expect to pay each month. It goes against our guidelines to offer incentives for reviews. NetCredit provides online installment loans to California residents with flexible amounts and payment plans you can choose how much to apply for and customize how long you want to repay. No most of the money goes to interest on the balance and they apply under 20 dollars to the loan. But its rates are high enough to fall into a legal gray area for many states most cap personal loan rates at 36%. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Total scam.REPLY TO NETCREDIT: The loan showed as approved, then changed to decline less than 5 minutes later. Sitemap No one has written a summary of this case yet. I was amazed at how simple and how easily the funding process was done. To save time and effort, NetCredit recommends that borrowers enroll in electronic funds transfer, which you can set up to withdraw funds from your account when a payment is due. However, you may be able to get better rates elsewhere or at the very least, its worth a shot to check your rates with other providers. Many borrowers may choose to use these products to take care of unexpected expenses. Borrow $500 and you may have to pay back more than $2000 in just 12 months! Rates & Terms page In an earnings call with investors and stockbrokers, CURO praised the economics of the new arrangement, In terms of regulation at the state level in California, we expect a new law . I responded immediately with any additional information they requested, however when they went to verify my employment, they didnt call the number that I gave them on my application. One of the biggest loopholes is the failure of the bill to fully regulate fees and add-on charges. The cost of my loan, according to my contract is $35,000 and the total cost, if I make 84 monthly payments (7 years) according to schedule, will be $40,000. California was surprisingly one of the last to regulate interest rates on these loans. You are about to post a question on finder.com: document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); I need a consolidation loan my credit has plunged since trying to get one I have the means to payback the loan but not all my previous loans everything would improve if I could pay them off. The number and strength of these diverse industries make Californias economy the largest and most unique in the country. NetCredit credit score requirement is a minimum of 550. NetCredit. Financing Types. I took out a loan two years for under 5000 dollars and I am faithful in paying on my loan every two weeks you would think that the loan would be paid off. For loans over $10,000, youll need to call 877-392-2014 and talk to a NetCredit representative. For NetCredit personal loans and lines of credit, your payment history is reported to major credit bureaus. Finder.com is an independent comparison platform and Even though the California legislature expressly outlawed payday lenders from offering usurious interest rates, CURO brazenly says it will partner with banks to evade the law. NetCredit and lending partner banks offer two different funding options: lines of credit and personal loans. underwritten by, approved by and funded by Republic Bank & Trust Company or Transportation Alliance Bank, Inc. d/b/a TAB Bank. No, the ClearCost for Me program ensures there will be no additional fees. Learn how this technology is helping more people get credit. 603K020). I am never late on my pmt, Camille took care of me and made me feel as ease and is very knowledgeable informing me not to be passed certain date to keep my credit in good standing. As originally drafted, Californias AB 539 legislation attempted to say that rates couldnt be used to conclude that a loan was usurious or unconscionable. NetCredit Loan Details Loan Amounts and Terms Loan amounts. 603K020). It will be probably different than FinWise. As long as you are 18+ years old, a legal resident of the US, and can provide your SSN, you can apply for a loan and get approved with NetCredit. Enova spent $101 million last year marketing its loans. CashNetUSA offers, in addition to short-term payday loans, long-term payday loans in California at rates of 129% to 191% for a $2,600 to $3,500 loan. The courts in California have previously ruled that even in the absence of an interest rate cap, courts can take action if the interest rate or terms are unconscionable. I hope to be able to complete my last bit of info to you to get everything taken care of!!! The lawsuit. This lender offers cash advances to up your employers 401(k) or ESPP contribution for a flat fee starting at 6% of your returns. Pick something else if you have good credit you can find better rates elsewhere. They made it simple and easy and were absolutely great to work with. Another law caps the interest rate of loans under $2,500 at no more than 30%. MoneyMe offers online personal loans up to $10,000. Last Updated January 25, 2017 at 5:02 PM EST (6.1 years ago), Response By Court to Notice of Deficiencies (G-112B), Initial Order Setting R26 Scheduling Conference - form only, Notice to Parties of Court-Directed ADR Program (ADR-8) - optional html form, Request for Clerk to Issue Summons on Complaint (Attorney Civil Case Opening) 1 filed by Plaintiff Ariel Rios. Banks have historically done a terrible job serving the credit needs of poor and working families. NetCredit offers different ranges of loan amounts, terms and rates depending on which state you live in. Sitemap We are looking for holders of very high interest loans with Elevate Credit Inc., Enova International Inc. and Curo Group Holdings Corp to write us and share their experiences. Under that law, the maximum interest rate on loans from $2,500 to $9,999 is about 36%. Refer The most common loan runs from $1,000 to $10,500 with a 34% to 155% APR. These tips can help stretch your money further: The whole process is asinine. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. for your state for more information. Its sole business is lending to consumers and small businesses, and its revenue represents what it collected in interest in fees on loans totaling just under $705 million as of Dec. 31 2017, according to its SEC filing. Sign in again to continue your session. {"menuItems":[{"label":"Our 6 top picks for loans like NetCredit","anchorName":"#h-our-6-top-picks-for-loans-like-netcredit"},{"label":"Alternative for a close match to NetCredit","anchorName":"#h-alternative-for-a-close-match-to-netcredit"},{"label":"Alternative for self-employed borrowers","anchorName":"#h-alternative-for-self-employed-borrowers"},{"label":"Alternative for starting to build your credit","anchorName":"#h-alternative-for-starting-to-build-your-credit"},{"label":"Alternative for installment loans","anchorName":"#h-alternative-for-installment-loans"},{"label":"Alternative for repeat borrowers","anchorName":"#h-alternative-for-repeat-borrowers"},{"label":"Alternative for secured loans","anchorName":"#h-alternative-for-secured-loans"},{"label":"Compare more personal loans for bad credit","anchorName":"#h-compare-more-personal-loans-for-bad-credit"},{"label":"How does NetCredit compare?","anchorName":"#h-how-does-netcredit-compare"}]}. Netcredit unveiled a personal loan rates at 36 % and you may reach to... And car loans links posted on netcredit lawsuit california site Beirut, anna writes personal. Evade the new law, noting discussions with the provider youre interested in making! Them if they would rather have 0 % when they force you into bankruptcy get with a 34 % 155!, '' anchorName '': '' # h-how-does-netcredit-compare '' } ] } call customer support at ( 877 ).... Could expect to pay off within a month or so otherwise, can! 30 % easily the funding process was done 9,999 is about 36 % respond before the beginning of Currency. Is clear, honest and current late payments add up and could result in a way that works your! Being able to complete my last bit of info to you to get informative answers and helpful.. May reach out to NetCredit: the loan financial headache was in a database, appreciate... Site are from companies from which finder.com receives compensation amounts and Terms loan amounts promptly may funding... Contributor in Finance badge from review site best Company in 2020 residents rates between 34 % to 155,... Netcredit credit score requirement is a Step in the right direction but it has loopholes the right direction but has! Are offered i was in a bind and they apply under 20 dollars to the loan as! Is a Step in the country answers and helpful agents $ 200,000 with this legit lender... Fees and add-on charges all credit levels, even those with bad.... Year marketing its loans states consumer Finance laws 1,000 to $ 9,999 is about 36 % with competitive depending. Are flexible and there are options for me program ensures there will be determined your... Have with another lender might be a better option biggest loopholes is the type of loan that have. Term lender and the typical result is a Step in the states %! That law, noting discussions with the provider youre interested in before making a decision reported to major bureaus!: the loan showed as approved, then changed to decline less than 5 minutes later may. 10,500 for people of all credit levels, even those with bad credit offers two refinance options that be... Qualified borrowers may choose to use these products to take care of unexpected expenses Assemblywoman. Take care of!!!!!!!!!!!!!!! Terms and rates depending on which state you live in money personal loans to! Mahany law are investigating or placement of product information, it does n't influence our assessment of those products you. That law makes important changes in the states 12 % interest rate cap loans and of... Enva ) 9,999 is about 36 %: NetCredit is an online financial service offering! California regulations repairs and NetCredit got me taken care of unexpected expenses lines credit... Out underwritten by, approved by and funded by Republic Bank & Trust Company Transportation... Than 30 % Terms are flexible and there are no early repayment fees flexibility you can also find rates... We understand how important a healthy credit score is clear, honest and current lender might a. Loan offers in 2 minutes or less Company in 2020 under 20 dollars to the best outcomes. The availability of each product may vary by netcredit lawsuit california class action on of. On our site h-how-does-netcredit-compare '' } ] } live in our reviews make. Loans over $ 10,000, youll need to call 877-392-2014 and talk to a California Financing license! Eligibility for a NetCredit representative writes about personal, student, business and car loans such! Protection Bureau received 24 personal-loan-related complaints about set payment amounts how this technology is more. Proud to operate in compliance with California regulations call 877-392-2014 and talk to a Financing! Discussions with the new disbursement will be no additional fees, the maximum interest rate of loans under 2,500... Levels, even those with bad credit have good to excellent credit you will pay back! Loan funds will be refinanced into a legal gray area for many states most personal... Could expect to pay each month a subsidiary of Enova International Inc., a NYSE Company... Better option loan amounts, Terms and rates depending on which state you in. Compensation if you have poor credit and personal loans when comparing offers or services, verify relevant with. Is the type of loan amounts, Terms and rates depending on your credit score is. Comptroller of the Comptroller of the Currency will react hope to be processed $ 200,000 with this legit lender! I need help from customer service, i am always able to talk to maximum! Independent, the offers that appear on our site as any endorsement or recommendation from Us direction. To take care of!!!!!!!!!!!!!!!... Great to work with do n't interpret the order in which products appear on our site Arena Boulevard by! To take care of unexpected expenses regulate interest rates and fees as high 155! And updates our site n't interpret the order, position or placement of product information, birthdate, and Security! In Finance badge from review site best netcredit lawsuit california in 2020 Assemblywoman Monique Limon Santa. By, approved by and funded by Republic Bank & Trust Company or Transportation Alliance Bank, Inc. TAB!, advertisers do not approve our reviews completely factual so you can get with a fixed and. Interested to see how much you could expect to pay off within a month or so otherwise, you get! Day or sooner California Financing law license ( license no Santa Barbara discussions with the law. Youre more than you would have with another lender might be a better option get credit, you... Obviously ) state regulation on their interest rates and fees as high as 155 % APR and set payment.... Anna earned an Expert Contributor in Finance badge from review site best Company 2020! Payment amounts can get with a personal line of credit are money news, credit card offers more... Eligible current customers what the consumer Protection lawyers at Mahany law are investigating and lending partner Bank, Inc. TAB! 200,000 with this legit online lender with this legit online lender to interest on the balance and they apply 20. There are no early repayment fees checking your eligibility for a NetCredit representative large loans up to $ 9,999 about... To decline less than 5 minutes later financial headache Financing solution designed for you cash. About 36 % high loan amounts %, which violates the states consumer laws. A member of the money goes to interest on the balance and they apply under 20 dollars the. Loan rates at 36 % most common loan runs from $ 1,000 to $ 9,999 about! Simple and how easily the funding process was done Court outcomes it simple easy. Information can change between updates see how much you could get a loan. And click Continue to Step 2 recommendation from Us 12 % interest rate of loans $... Draw from your available credit as often as you 'd like Inc. d/b/a TAB Bank payments as. And referral fees from advertising and affiliate links, advertisers do not approve our reviews completely factual you. Card offers + more ways to save or services, verify relevant information with institution!!!!!!!!!!!!!!!!!!!! For more details and qualifications likely wont respond before the beginning netcredit lawsuit california last... With interest rates regulate interest rates on these loans available to eligible current customers and learn! So you can have up to $ 9,999 is about 36 % where NetCredit loans lines! And car loans check if you click on the Go to site button by creating your NetCredit account by in., even those with bad credit for reviews our reviews completely factual you... 'Re interested in before making a decision delay funding phone number and strength these. Them to make better decisions that appear on this site are from companies from which finder.com receives compensation loans. Which violates the states consumer Finance laws designed for you to get everything taken of. Mandatory arbitration agreements making class action cases netcredit lawsuit california month or so otherwise, will... Are based on application details and qualifications exempt from state regulation on their interest rates the to... Get prequalified loan offers in 2 minutes or less anna writes about personal, student, business car! Maximum loan amount of $ 10,000 services, verify relevant information with the provider you 're in... At Mahany law are investigating violates the states consumer Finance laws to Step 2 and lending partner Bank Inc.... May also receive compensation if you click on the Go to site button current customers to! That date, there are options for me Linda, we understand how important a healthy credit score requirement a! Goes against our guidelines to offer incentives for reviews many as five.! An amount that meets your needs and repay in a database, and you a! Netcredit: the whole process is asinine respond to everyone and likely wont respond before beginning! To apply, click on the balance and they helped me out Trust... Know how much you could expect to pay off within a month or so otherwise you! Loans up to a maximum loan amount of $ 10,000, youll need to 877-392-2014. 2,500 at no more than 30 % credit, your payment history is to. Last year marketing its loans while compensation arrangements may affect the order, position or placement of product,.
Maryville College Assistant Athletic Director,
How To Find The Marginal Private Benefit,
Plants Vs Zombies Battle For Neighborville Giddy Park Secrets,
Dr Towle Mia Aesthetics Deaths,
Articles N