The reason for the inability to repay the debt to the bank on a credit card can be any: job loss, illness, accident. You should not avoid dialogue with bank employees, but on the contrary, you need to try to resolve this issue with the least loss in the shortest possible time.
It is necessary
- - agreement with the bank;
- - documents confirming the impossibility to make payment;
- - a plan for solving the problem.
Instructions
Step 1
If you already suspect that you may have financial difficulties, contact the bank in advance with a request to revise the terms of the agreement. Ordinary managers can tell you right away that the bank cannot make concessions, and you must solve your problems yourself. In this case, you need to seek a meeting with the leadership of the financial institution. Develop and provide the manager with your plan for your further actions to get out of this situation.
Step 2
If the crisis has come suddenly, write a letter to the bank stating that there is no way for you to make further payments on the existing loan. Ask the bank to restructure the debt, that is, change the payment schedule. In this case, you will need to provide all documents confirming your inability to make a timely repayment of the credit card debt. This can be a work book with a dismissal record or a certificate from an employment center stating that you are unemployed. If your salary has been reduced for any reason, you can provide a certificate of income from the place of work. Please note that all documents will be carefully checked.
Step 3
At the time of solving your financial problems and looking for a main job, find a part-time job that will give you the opportunity to make at least some payments to the bank so that you are not considered a hard-core defaulter. Since in the event of a complete refusal to make payments, if the amount of the debt is 250,000 rubles or more, in the event of a trial, this can be regarded as fraud.
Step 4
If you can't find a compromise with the bank, ask friends or family for financial help. Close people will always provide support in a difficult situation and are unlikely to demand an overpayment of interest from you for an untimely loaned debt.
