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Chandler v. NCB Mgmt. Servs., Inc., 2021 WL 1108637 (E.D.N.Y. Mar. 23, 2021).
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Link to Download NCLC's Credit Math Software
This link allows one to use two different, older consumer law math programs. Consumer Law Math provides a user-friendly way of calculating the Annual Percentage Rate and Rule of 78 rebates, and making amortization charts, for regular transactions and transactions in which only the first and last payment are irregular. The NCLC APR Program calculates the Annual Percentage Rate, Rule of 78 rebates, and makes amortization charts. This program handles not only regular, but also irregular transactions — for example, where monthly payment amounts change over the course of the loan.