Cases of insolvency of residents of large cities and small villages on loans have become more frequent - life circumstances can turn completely in the opposite direction, and all life goes downhill. The common phenomenon of the debt hole absorbs social status and in every possible way distorts the normal human life. But it is not for nothing that they say that there is a way out of any situation. We will try to soberly assess the situation, discard the ambitions and find a ray of light in hopeless darkness.
1
Do not despair and pull yourself together - you need to draw up a clear plan to get out of a difficult position. Contact the bank where you took a loan, delicately explain your position and make it clear that you do not intend to cough from responsibility, but look for a way out of this situation. You need help, and, most likely, the authoritative banking system after clarifying the circumstances will agree to enter the situation and make concessions, offering an alternative option. Indeed, first of all, grateful customers raise the authority and reputation of the bank, and this is important for the rapid development of the banking structure.
2
There is a possibility of having a restructuring system in your bank, if it is an authoritative enterprise. Rare cases fall out when the bank enters the position of its client and in every possible way helps to resume solvency - freezes the payment of debt, suspenses an increase in interest, reduces the amount of debt and patiently expects to improve the financial situation of the debtor, of course, within the rational.
3
Use re -wrapping from another bank if yours does not make concessions. Clearly set out the current situation, provide your plan or the idea of \u200b\u200bgetting out of the crisis, after which the bank will decide to redeem your debt. In this case, you will be offered new calculation conditions. The alleged circumstances are as follows: increasing the interest rate, remuneration to the bank for the service provided, reducing or increasing the term of payment. Yes, it will not be sweet, but this is better than the visits of creditors, and after the collectors and in the end of the bailiffs with a description and typo of property.
4
In each of the cities or even urban -type villages there are private credit companies that give the necessary sum in cash for a simplified system and a minimum package of documents. As a rule, the annual percentage of such structures is higher than in the bank. Credit experts will easily close their eyes to the availability of debt, a negative credit history and will fully converge that your summer cottage or an old foreign car is suitable for them as a collateral. In any case, you will receive extra time to solve the in -line problems and improve the material condition. Calm nights without calls of the unfortunate collectors will favorably affect the mental balance.
5
If you have not yet resolved the issue of paying debts, but the collectors do not leave you alone - keep your health and do not take a provocation. Their only power is psychological pressure. Do not rude and keep your will in a fist, patiently and calmly explain the situation again and again. Even in the case of night calls or visits, be cold -blooded and do not take it to your heart - specifically they have nothing to you, this is their work, but you should a bank. Do not open the door and calmly, reasonably choose the most acceptable option for paying the debt.
Do not try to get out of the water dry - nothing will work out, only you will be borrowed even more in debt. You can’t do without loss, you need to thoroughly eradicate the existing problem and live on. Do not regret yourself and know that you are not alone and have easily left the situation, others are more difficult for others - this is a lesson for life.
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