According to statistics, a good half of the Russian population has a debt to the bank for a loan. The reasons for falling into debt bondage are different for everyone. Someone allowed themselves to live beyond their means, relying on someone else's pocket in the form of a credit card, someone had such family circumstances, and some simply lost their source of income at the wrong time. But you never know what circumstances forced to live in debt. However, sooner or later the hour of reckoning comes, and then there is a subpoena. How to behave with a bank as a claimant?
The debtor is a diplomat
Don't play hide and seek with the bank. Contact and, if possible, reach an agreement on the repayment of the debt by signing a new payment schedule or receiving reasonable installments for employment, solving the accumulated financial issues. When choosing such tactics, of course, you may need competent legal support with the involvement of a lawyer or lawyer.
The debtor is insolvent
Insolvency is, in some especially neglected cases, the only way out for the debtor. Adhering to this line of behavior, we must not forget about loved ones who, due to the rash actions of a relative, may lose their honestly acquired property. To prevent this from happening and the bank could not foreclose on the apartment or car of the spouse or wife, it will be necessary not only to re-register the ownership of the second adult family member or child, but even to dissolve the marriage for a while. At the same time, continue, as far as possible, to make payments to pay off the debt.
The debtor is bankrupt
Bankruptcy of an individual is a new and very effective option for cooperation with a bank claimant with a debt of more than 500,000 rubles. This procedure seems to be not so complicated, but it is not yet popular and has one drawback - to declare yourself bankrupt, you will have to resort to the services of a financial manager, and this, in turn, will entail additional costs.