The debt collectors are increasingly getting our household bills , photo:
Statistics somewhat improved, but still too few people who have problems with repayment obligations granted to them and attempt to resolve their immediate .
– As a rule, the first reason for non-payment of debts is the loss of a job. Sometimes, we are counting on the fact that we find work soon, but sometimes it turns out that finding a job takes longer than a month or two. However, we indicate this is not a bank, because we hope that the work will be found – explains in an interview with news agency Newseria Business Marta Rupieta, legal counsel and expert with FinFix.
Accidents random hit the debtors
A common cause of default in payment of debt are also the sudden illness of both the debtor and a member of his family. This means that most often not paid debts do not arise from the ill will of the debtor, but the deterioration of its situation. Experts advise that whatever the cause of the problem, immediately contact your creditor.
– should immediately consult with the lender, which is mainly from the bank, and try to restructure at an early stage of our debt, for example. by spreading debt into smaller installments, or by extending the loan period – can Marta Rupieta.
The solution is credit vacation
Another option is credit vacation, or suspension installments for a period of time, for example. until you find a new job.
– In this situation, often banks will want for additional security, so we must count. But of course it is worth a try. There is nothing worse than pretending that nothing is happening and not paying debts on time – says Rupieta.
If the borrower misses a moment of debt restructuring, the next step could be the contract rescinded by a bank or other financial institutions and, consequently, enforcement proceedings. And that – apart from the normal increase in the debt – it generates additional costs.
BIG Info Monitor and Credit Information Bureau periodically publish reports on the debt of the Poles. According to recent data at the end of December 2014 the total amount of payments increased risk among individuals amounted to 40.94 billion zł. Average debt amounted to 17.21 thousand. zł, and the problem of unpaid liabilities is 2.38 million people. The average debtor is resident Mazowieckie voivodship. Most indebted region is Silesia (zł 7.64 billion), and the least – Holy Cross province (0.58 billion zł).
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