How not to pay loans legally: a few tips for negligent borrowers

Today, almost every person dreams of a beautiful and prosperous life, which allows you to use the most modern goods of civilization. Many people want to have a luxury car, cozy and spacious apartment, dacha, yacht and so on. At the same time, often a person does not feel a special need for these pompous things - he just wants to cause envy among friends and relatives. There is a category of people who, for the sake of demonstrating to others their own "coolness", is ready to go to many things, including climbing into the debt hole. Unfortunately, when choosing a consumer loan, the borrower does not always objectively assess their financial capabilities. As a result, he ceases to make money on time in order to repay the debt, as a result of which the bank takes away from him all property acquired by excessive labor.

Surely this situation is familiar to many. However, there are a lot of reasons that induce a person to get into debt bondage. For example, someone decided to start a business of his own, he has no starting capital, no one can borrow a large amount of money from him except the bank, so for him to sign a loan agreement, say with VTB24 or AkBars, is the only way out . Many people want to solve the housing problem by borrowing money. Anyway, before you get into debt, really appreciate your financial capabilities.

But you decided to take a loan from a bank institution. It was approved, and in the first months you paid all the payments on time and on time. But then you were fired from work. And now you do not know how to solve financial problems, because they have lost a permanent source of income. First, the debt is reminiscent of the bank's employees, then collectors are connected, which begin to annoy endless calls and threats.

You were driven into a corner, and only now the understanding of the severity of the situation begins to come. You start to think about how to not pay credits legally, and whether there is such an opportunity at all. Yes, it is available. First, you need to know and be able to defend your own rights by contacting employees of collection agencies. Believe me, they know how not to pay loans legally, but often in every possible way try to intimidate the borrower, so that he and thought did not admit that money can not be returned.

So, there are several options for resolving debt bondage. Consider the most common of them.

Wait for the expiration of the statute of limitations

Interested in how not to pay loans legally? As a general rule, the limitation period is three years. In this case, the beginning of its expiry will be the time when you last contacted the bank employees on the issue of repayment of the loan. Of course, hiding from bank employees or collection agencies is not the most reliable way of solving the problem, but sometimes, for want of a better one, he will do the same. Note that you will have to thoroughly "lie to the bottom" and cease all relationships with friends, work colleagues, relatives.

At the same time, we should not forget that often collectors spit out their anger not at the borrower, but on people close to him. Naturally, they will not hide with collectors in Antarctica, so this method is very doubtful.

Try to find a compromise with the bank

Are there any other options for resolving the issue of how to not pay credits legally? Certainly. Try to negotiate with the bank so that it enters your position and relaxes your financial claims. And this should be done at the very beginning of the problem. Inform the credit institution that you are experiencing difficulties in paying out the money, but do not refuse to repay the debt completely: at least 500 rubles a month you should spend on these purposes. It is very likely that the bank will evaluate your efforts, consider the issue of restructuring the debt and will not sue you.

Help antikollektorov

Undoubtedly, many Russians took consumer loans. How not to pay money due to their repayment?

Surely everyone was puzzled over this question. Here you can recommend the help of anti-collector companies. As a rule, their employees are competent and sensible lawyers who thoroughly know all the subtleties and nuances of lending to individuals. They are able to provide real help to those who are in debt bondage.

Adoption of the law on bankruptcy of individuals

Very soon, loans can not be paid due to the adoption of the law "On bankruptcy of individuals." In this case, we are talking about situations when, with a debt of 50,000 rubles, the borrower does not make payments within 3 months. After this, a person is declared bankrupt in court, he is given a five-year installment plan to pay the loan, and in parallel, a restructuring plan is being developed.

How to resolve the issue of debt in Ukraine

Many are interested in the question of how to not pay loans in Ukraine legally. In addition to these methods, there is another, but very risky and not too correct. Sometimes the inhabitants of this country, as well as Russia and other states, can apply to the court to recognize the credit agreement as invalid because, having put their signature on the document, they did not realize the significance of their actions. As evidence they provide a medical certificate of mental disorder. However, it is hardly possible to recommend such a solution to the problem, since it is on the verge of the law. In addition to more troubles, this method is unlikely to bring any results.

Some statistics

Citizens of Russia owed banking institutions 7 trillion rubles, over the past 12 months, overdue loans have increased dramatically.