Can they put in for non-payment of a loan: all the nuances and subtleties of this issue

Of course, today almost in any bank you can issue loans without special problems. Many people resort to this opportunity, because in another way to acquire an expensive thing, for example, a car, it is extremely difficult.

The problem is that not all borrowers can soberly assess their financial potential. As a result, this leads to the fact that they violate the schedule for making payments and they are threatened with penalties. Some even begin to wonder: "Can they be imprisoned for failing to pay a loan"?

In addition, the credit institution most often sets an inflated interest rate to somehow compensate for losses that may arise as a result of a breach of obligations on the part of the debtor.

Still, the question of whether they can be imprisoned for non-payment of a loan is interesting to every person who intends to borrow money from the bank. Let's consider it in more detail.

What experts say

Indeed, experts in the field of lending, answering the question of whether they can be imprisoned for non-payment of a loan, theoretically do not exclude the use of arrest against the borrower. But in today's practice, such cases are a rarity.

The banking institution already at the initial stage of non-fulfillment of the terms of the loan agreement by the borrower begins to take steps to return own money and interest on them. At the same time, financial structures do not want to engage in "knocking out" money from the debtor independently and partially sell the debt to collection agencies. Naturally, it is unprofitable for them to part with their money and they turn to the above-mentioned offices only in extreme cases.

The latter, of course, do not always work within the law, but they do not want to be malicious violators either. Therefore, in most cases, their only weapon is threats by phone. And this is where borrowers seriously think about whether they can be imprisoned for non-payment of a loan.

Responsibility for non-return of debt

In the criminal legislation there are no sanctions that would deprive of freedom for non-payment of a loan. However, there have been cases in law enforcement where the defaulters were imprisoned, but their deeds were qualified as fraud.

At the same time, they did not have any property, which could be imposed a penalty.

Try to resolve the problem with the bank yourself

If at some stage you understand that you may have problems with paying out loan money, then it is better to settle this issue with the bank without any conflicts. Then you do not have to puzzle over whether they will be imprisoned for non-payment of a loan. In order not to allow the bank to apply radical measures, convince him that you do not refuse to repay the debt and explain the complexity of the situation. Surely the bank will meet you and change the payment schedule.

If the bank does not show loyalty to you, then you can not avoid contact with representatives of the collection agency.

Therefore, in any case, do not allow this form of violation of obligations, such as non-payment of a loan. What threatens to outrageous money - you already understood.

Litigation

However, communication with employees of the collection office is not the only measure of impact on the debtor. Of course, banking institutions have the right to apply to the courts for the protection of their interests.

Many people can ask a completely logical question: "If there is a failure to pay the loan, what is the danger of such an option of violating the terms of the loan agreement in case it comes to trial"? The answer is obvious: the borrower will seriously suffer financially: in addition to the fact that he will be obligated to repay part or all of the debt, he will be liable for payment of interest and interest. And if it is a question of malicious evasion of the amount of debt in a large amount (more than 250 thousand rubles), then the court for failure to pay the loan can bring the offender to criminal liability.

After a certain amount of time after the entry into force of the judicial act, enforcement proceedings are initiated , and all property available to the debtor is arrested forcibly.

In any case, in matters relating to the non-repayment of a loan, one can not do without the help of an experienced lawyer. He will be able to reduce the amount of penalties and, in certain circumstances, even recognize a loan transaction as invalid.

Well, if the court decision is already passed, the lawyer will try to find the grounds for his postponement.

Conclusion

To minimize the risk of financial problems with the bank, thoroughly think about before making a loan. If you do not have a firm belief that you can part with the monthly amount of money without damage to yourself, then you should wait with the loan. Remember that money should be taken wisely and in advance to calculate all the force majeure circumstances that may arise in this connection.