The surest way not to pay a loan to a bank legally is not to take out a loan. There are other ways not to fulfill obligations to the bank.
Instructions
Step 1
You don't have to pay the loan installments at all, just forget about the very existence of credit obligations for a while. Remember that this option can threaten with real banking sanctions. There are banks that turn to collection firms, which, at times, come to threats and even physical impacts. This, of course, can play in favor of the borrower in court. Better not to use this step, as there are completely safe and reliable options not to bring the matter to a critical point.
Step 2
Inform the bank about the inability to repay the loan due to unemployment. Sit on the stock exchange, thereby confirming the status of unemployed, having no income. Continue to make monthly installments on time, but in the amount of 50-100 rubles. At the same time, the bank will not accept any sanctions - payments are received, although not in full.
Step 3
File for bankruptcy and disengage. It is important to prove the inability to pay the debt, prepare documents proving the lack of income, and file a lawsuit. Arguments can always be found and very weighty.
Step 4
Contact specialists such as anti-collectors. The professional help of professionals representing the interests of a person in a difficult life situation is very tangible, and most likely you will not have to pay for services. But the anti-collector will never contact an outright swindler who did not initially plan to return the borrowed funds.
