None of the people, unfortunately, is not immune from the black band today in my life, when all the nightmares that used to be just dreams now become a harsh reality.
suddenly reduced in the workplace seriously ill someone from the next of kin, the car got into an accident serious enough - such cases are endless, but knowing them, we would not be able to protect yourself from them.
Such situations are serious enough, it would seem, in themselves, but for the majority of citizens of our country with you the situation is even more appalling, since many of them have already managed to arrange the various credit obligations, must-to perform, and to do it regularly and in the necessary volume.
That's why many Russians today raises the question of how not to pay the loan to the bank, or at least get out with minimal losses from the situation?
How not to pay the loan on good terms?
If you are wondering about how not to pay the loan, it is not the same as asking, "how to cheat the bank with a loan?".Not necessarily to abandon their commitments, because this path is the most extreme and incredibly heavy.
There are many options to negotiate with the bank on good terms, using peaceful means.For example, you can ask yourself some respite.In fact, most reasonable people, getting into such situations, it is initially resorted to this method.
How not to pay the loan in a pinch?
course, there are extreme cases, when the situation becomes so desperate that you have to pay the loan, there is absolutely no way, and the question of how not to pay the loan, acquires direct significance.
Immediately it should be said that the full forgiveness of the loan by the bank to hope you just do not have - remember this.Even if the trial judge is entirely on your side, a certain amount of the bank you will still have to pay.The best that you can expect as a borrower - is a set before easing repayment terms.
If you do decide to give up, but nowadays there are several methods and techniques legislation that can help you.
first - when the bank begins to spread about your debt on the loan to your loved ones.For example, the bank can stick a variety of leaflets at the entrance, or neighbors to talk about what you are "bad" by the payer.If your relatives or friends were not members of your contract with the bank (ie not played borrowers or guarantors), the disclosure of their nuances of your contract - this is the most that neither is a violation of article 23 of the constitution.We appeal to the prosecutor.
second - quickly hide all movable property, and all the information you overwrite property instantly on people close to you whom you can trust.In this case, you will simply pick up some of the wage, which will be used to repay debt.It is also worth noting that if the various bank employees or officers of the collection agencies start to tell you that they "will come and take you all your property if payment of the debt," safely hang up or close the door on this, they have no right tothe court will decide.
third - contact a lawyer or a depressant, and then apply for a bank to court.Even despite the fact that you do not remove the obligations on the debt, the more likely you greatly reduce the amount of interest on your debt, as well as to ease the terms of repayment.
Which way to choose - decide on your current financial situation and assess the situation.It is possible that the effectiveness will have to use a combination of several ways, or even both at once.
