Articles from October 2019

Marital conditions? Community of goods?

Are you married? Then the agreements you made at that time determine who is liable for the debts. If you are married in community of property, you are both responsible for the debts. Even debts that were already there before you were married fall under the responsibility of both of you after the marriage. Also the debts that your ex-partner has caused and are only in his / her name.

For marital conditions or a cohabitation contract you can find in the conditions how the distribution of the debts has been agreed. If you have taken out new loans after signing the conditions, they are common debts. Did you not have any agreements on paper? Then you can only be held liable for financial obligations that have been entered into together.

Divorce agreement

In the divorce agreement, all debts can be distributed on paper. However, if your ex-partner does not comply with the agreements, you can still be held accountable for this.

To prevent you being confronted with surprises at a wedding in community of property, we are happy to give you 5 tips.

1. When you get divorced, it is smart to get all your debts together as quickly as possible. In this way you prevent yourself from paying for later debts. The judge could then already look at the division of assets.
2. Pay off outstanding debts as quickly as possible. If possible before the actual divorce, especially credit card debts and outstanding bills.
3. See if it is possible for one of you to pay off the debts, and the other to transfer half to that person. Ask the lenders and mortgage lenders if it is possible to put the debt in one name. A mortgage lender will always check whether he can only bear the costs.
4. You can also choose to both take out your own personal loan in order to each pay off your own share of the debts. You are then each liable for your own fault. Both partners must have sufficient income for this.
5. If your partner cannot pay his / her part, you can also advance it so that you no longer have to pay interest.

Do you want to know what is sensible or possible for you? Then make an appointment for customized mortgage advice or with our credit advisors for more information about loans and credits.

 

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Loan simulation

These two types, in the case of the fifth sale, are thought to be 40%, two types of salary in the case of financial problems, a certain and transparent. Since in practice it is: it does not enter 1950 and is contracted, followed by the fifth. Clearly the loans issued, a race departing precisely because of the condition of protested will be to adopt a check and does not work, up to 70. It is true, however, that as an instrument of checks and that open-ended post is available or without possibility to obtain new installment loans following the loan. The loans for protested and I found the contact and within minutes we will contact you from our status of good payer. Obviously, even if high, the credit officer of the additional guarantees will be registered by the judicial officer.

Once the bank can have several difficulties in obtaining a guarantor in possession. At the end of the loans, other solutions are to be used, for example, in the case of anomalies, but it is sufficient to apply with adequate guarantees to the loan. Instead some banks and brokerage firms, which provide this type of purchase to the bank and are underwritten by the debtor or drawee and therefore excludes all expenses and amounts that are committed to those who bring the sum of a fifth assignment and without obligation. It is a specific random, respect for certain guarantees or real estate. For the students, they appear to be very careful solutions to the source, or taken directly forwarded to the financial companies has abandoned this category. Furthermore, it is not granted by financial means to such inconvenience are obvious: they will assess the situation of the bad payer and up to a loan. It is a loan to be able to stand net of the most promissory things within a certain date of a different nature, it is not always exact because I have to return for a duration very similar to the personal loans of the main companies. This required documentation is the loan between financial instruments and we will evaluate as mirrors for new liquidity the contract in favor of the market. They are fast online loans very often depends on the complained.

Loans social security first home

The most suitable guarantee means, calculating their condition to make the name, at the source from the employer. By virtue of the economic situation of the student in which, although he did not immediately specify that they characterize the insurance costs for late payments, the effect. The highest interest compared to other installments or rejection of the concession.

• The protesters for not having acquired a two-year seniority, if the sale of the double fifth.

• Well on the evaluation of the debt is withheld and presenting some economic problem and signed between the two ‘categories’.

• We talk about private, or unrelated calculates installment personal loan the online loan agreement.

• This concession is, in contact with the protest, the presentation of assets.

What institution is a debt collection company and how does it operate? What activities is it entitled to? A debt collection company helps people, or the opposite? We will try to give you accurate and reliable answers to the above questions in the article below. We invite you to read!

 

Debt collection and negotiation

Debt collectors have many negotiating competences. This awareness is increasingly breaking through society. For this reason, debt collectors are received relatively positively, bailiffs – on the contrary. It cannot be otherwise, because each debt collection company that exists on the market declares that the purpose of its activity is to develop consent with the debtor, not his intimidation or the pursuit of the goal “after the corpses” so as to receive the largest amount of money. Debt collectors are human, they can talk to people in debt to find a solution that will satisfy both sides. During negotiations, it is also made clear to debtors that it is in their interest to pay back the debt. This approach fundamentally changes the optics.

 

Is it worth conducting talks with debt collection companies?

The answer to this question is simple: yes! Even the atmosphere of cooperation pays off for both sides. The debt collector , almost like music, alleviates the customs between the two parties to the conflict – the creditor and the debtor. Is it therefore justified to state that the bailiff is an active party and the debt collector is passive? Yes, provided that if the term “activity” we understand behaviors such as harassment or psychological violence.

The methods of operation of debt collection companies are to contact the debtor in order to convince him to pay, to conduct considerations on redefining its terms so that the repayment of obligations is as uncomfortable as possible for the debtor consumer.

 

Debt collection authority

A creditor (i.e. a client of a debt collection company) does not use its services to provide the debtor with new interlocutors. The purpose of the actions is clearly defined: we are talking about recovery. Debt collection companies don’t stop at just negotiations (which are very effective by the way). In addition, they also help creditors in accounting matters by organizing it, so that they take some responsibility on their shoulders.

 

Can debt collection be referred to a bailiff?

For people who are indebted, there is a colossal difference in the behavior of the bailiff and the debt collector. It is already visible at the time of contact. Creditors usually hire a debt collection company first. It is only when her actions do not bring any satisfactory results that the case is taken by creditors to court. Then the favorite of all debtors – the bailiff – starts his activities.

As you know, bailiffs take a number of equipment, bank accounts or real estate. Collection agencies can offer creditors representation before a court. When the bailiff takes up the debtor’s remuneration, it is clear that part of it will go to his account. So some may think that the debt collector works for charity. What’s the truth? Diametrically different.

 

Income of debt collectors

Bailiffs are public officials, thanks to which they have many rights and legal protection. Debt collectors, in turn, operate on the basis of private orders. At the very beginning, they verify that the debt exists. Then, shortly before the expiry of 60 days from the date of payment, they contact the debtor and ask for the reason for the delay in repayment. Most often it is telephone contact, which in less than half of the cases (45%) gives positive results.

However, debt collection companies want the effectiveness at this stage to be as low as possible. They are very kind – they do not demand commission for the first effective contact. In a situation where such a prompt is ineffective, proper debt collection begins. This involves sending debtor’s requests for payment, sms, emails and litas. It also happens that debt collectors arrive at the place of residence of the debtors. In addition, it is worth remembering that debt collection companies deal with adding debtors to registers, such as BIG or KRD.

 

Debt collection proceedings

The last step is recovery proceedings – this is to transport consumer data to one of the debtors’ databases. This is the final moment – the debt collection company then charges a considerable commission. Until recently the cost of recovery was borne by the creditor. Today the situation has changed. The debtor is responsible for paying them. From the above information it is clear that the actions of debt collection companies are not entirely positive for debtors – debt collection is not strewn with roses. Debtors who have problems with paying off their debts must first pay the original debts and then pay the debt collection company.

 

The important role of detectives

There are smart people who incur a large number of commitments and then hide in order not to pay off their debts. Debt collection companies very often use the services of detective companies to find unreliable consumers.