Each of us has encountered financial problems. Mostly debtors are the unemployed, pensioners and people in a difficult life situation. People who decide to pay payday loans because they are not granted a bank loan and are unable to pay them back. Unfortunately, it should be remembered that it is very easy to be found among debtors in BIK , although your credibility for the bank is very difficult to rebuild later.
The debt will not disappear when we try to forget about it. The only reasonable solution is to face your own problems. That is why you should talk to your creditors. All liabilities should be repaid on time, it is the only good solution. However, life cannot be predicted and certain factors prevent installments from being repaid. These factors can be job loss, sudden illness, unreliable contractor. Then our arrears towards the loan company grow. Often the debtor is accompanied by the so-called domino effect, because he takes out further loans to cover the first of them. The debt is rising, more court notifications are coming if the debtor is facing the specter of debt enforcement. Such uncomfortable situations can be avoided. However, in order to solve your problems, you should behave reasonably and calmly. It is a good idea to set a debt recovery plan so that you can get out of debt as soon as possible and avoid exposing your family to additional stress.
Is it worth talking to debt collection?
One of the most common mistakes is to avoid talking to a debt collection company. It is worth receiving calls from debt collectors or talking to them directly to try to get along and solve the problem of debt. Do not avoid conversations, hide. Even large debts can be divided into installments. If we find ourselves in a dull situation, we must face the consequences of our actions and talk about the problem, even if this is a shameful topic for us. The worst option is escape. A better option is to talk to a debt collector about the possibility of paying off the debt than to talk to a bailiff who will be able to allocate our private items for auction as part of debt coverage. The bailiff can take our electronics, household appliances, a child’s computer or a car that we use to get to work every day. Often, however, people with debt on the back of their neck, meet a bailiff on their way, then you can not do much. That is why it is worth getting along with the debt collection company in all possible ways. Therefore, it is worth negotiating, debts will continue to weigh on us until we do something about it. Negotiations will not be comfortable or nice, but difficult and long. Let us remember that the creditor has its own procedures, it does not have to go completely to the debtor. He does not have to believe the debtor only on words and empty promises and written assurances. Once as a customer it was a person considered reliable and good at BIK . She signed the contract and promised to pay her debts regularly, however, she ended up with statements and signed documents. If debt collection is contacted by a person who is late with repayment of loans, then they should start paying off their liabilities as soon as possible, because the situation has become serious. If we cannot afford to pay the whole amount of debt , then it is worth paying at least part of the amount and negotiating repayment of the rest. A debt collection company as well as a creditor is not able to trust a person who gives nothing from himself and does not show that he wants to change his life situation. The debtor should, by paying even a small amount, show that he wants to change the current situation. Thanks to this, perhaps the debt collector will show his understanding. You should not lose touch with reality, during talks with a debt collection company, it is worth coming to meet yourself and proposing the repayment of a given amount or installments, which we will be able to pay monthly.
The most difficult first step
The first step we need to take to contact the debt collection company is to send a letter describing the whole situation. Under no circumstances should you avoid contact or conversation. Such action can only harm us even more, which can end immediately with a bailiff’s visit, which we would not want. Unfortunately, many debtors have unpleasant experiences with debt collectors, because some representatives of debt collection companies use such tools as threats, intimidation and extortion.
Many debt collection companies offer debt relief help in the form of free consultations. Both the debtor and the company benefit from such assistance. To arrange any details, it is a good idea to contact the negotiator directly. This person will be able to make a thorough analysis of our current financial situation, and will also offer ways of paying off the debt that will be tailored to our capabilities and needs.
Debt is a very unpleasant experience, affecting more and more people. However, this is not a dead end. The most important is the motivation to get out of this problem and the desire to talk with other debt collection companies. We must overcome our fear, fear and shame. Remember not to take further loans, because this is not a solution. And failing to pay further obligations will further deteriorate our image in BIK