“We will write off debts and save property”: Belgorod residents learned why it does not work
How not to fall into a trap and what to do with debts for real, said Deputy head of the economic department of the Bank of Russia Anatoly Berezhnoy.
Calls of collectors do not stop, and there is no money – and then there is an advertisement: “write off debts and save property.” I want to believe that this is a lifeline. In fact, most often - bait, which pulls to the bottom even faster.
Start with a direct conversation
Borrowed money helps to implement plans faster, but if incomes falter, the situation gets out of control: debts grow, delays appear, collectors are connected. It is at this point that the asset is intermediaries promising to deal with loans and loans for a fee. They often just add to the problems.
“It sounds beautiful, but in fact you risk falling into the trap of ransomware or fraudsters,” warns Berezhnoy. Any such intermediary is a merchant, no one will save you for free. The greater your debt, the higher their commission. Ask yourself a simple question: if there is no money to repay the loan, where will the funds to pay for these “helpers” come from?
At first, the specialist advises to try to negotiate directly with the lender or even the collector about the postponement or restructuring. Creditors, as a rule, are ready for constructive dialogue: their goal is to return money, not to ruin the debtor.
Bankruptcy is the legal way out
If negotiations fail, the legal last resort is bankruptcy. Most often, it is issued through the court: a financial manager is appointed - an official who interacts with creditors. His services are not cheap, but you definitely work according to the law.
In some cases, the procedure can be done free of charge and without intermediaries through the MFC. But there is a condition: one of the creditors already had to recover the debt through the court, and bailiffs – to confirm that the debtor has neither valuable property nor income.
Advertising a “government program to write off debts” is pure fraud: such programs do not exist. And to advertise the bankruptcy itself as a harmless procedure is prohibited - see such an announcement, complain to the FAS. And remember the consequences: during the procedure and five years after it, it will be almost impossible to take a new loan.
More information about how to get out of the Great Danes - in the material "BelPress".
