With the onset of a difficult life situation, it becomes very difficult to cope with mandatory utility bills, which take a considerable percentage of income. Over time, rent arrears may arise. And if you don't take action, you can even be left homeless. Of course, these are extreme cases, but they have a place to be.
Instructions
Step 1
First, find out if you are legally eligible for a housing subsidy. If so, then it is necessary to use this chance in order to reduce the cost of utilities.
Step 2
Next, you need to ask the housing and communal services workers for information on the full amount of your debt, along with the accrued penalties. You also need to find out what services were provided during the accumulation of debt and what their cost. With this information, you may not pay for services that were not actually provided to you.
Step 3
The next step in solving the problem will be to conclude an agreement with the management company on debt restructuring, which will allow you to pay off the debt in stages. Such a plan for paying off debts will be required without fail when you receive a subsidy, if you are entitled to it.
Step 4
You should also know that the limitation period for collecting utility bills is only three years. This means that if the organization that provides you with housing and communal services goes to court, you will only have to pay the debt for the last three years.
Step 5
This information is still valid prior to judicial intervention. You can start paying off the debt in three years in installments on a monthly basis. To do this, you should divide the total amount of your debt by the number of months of repayment.
Step 6
If the area of your apartment is large and utility bills are huge, you can exchange your apartment for another, slightly smaller one. With this exchange, you will receive a substantial additional payment that will allow you to cover your debts. To do this, you can contact any real estate agency and explore possible options.
Step 7
This solution can help you get rid of your debt problems in the future. And, of course, the maintenance of such an apartment will be affordable for you. Any real estate agency can advise you on your problem and help you with advice.
