Debt write-off is of course the best way to reduce a debt. Normally, those who are in the position of having to make a request for debt write-off is a person in financial difficulty. Because of this, it can sometimes be difficult to reach an agreement. With the increasing difficulty of these last few years, more and more creditors agree to close an outstanding debt in several installments.
Of course, by paying with a single tranche, there is an important economic benefit. The best debt write-off transactions, those above 60%, are almost always done if you pay in a lump sum. (No, it’s not a rule it’s just statistical)
For this reason, if you are thinking of closing a debt that is putting you in difficulty, it is worth thinking about an excerpt in a single solution.
Eh, surely you will say, how do I do if I have no money?
I have already tried to make a debt consolidation – very bad idea in almost all cases – but they refused it to me. Same with potatoes for the rest of the possible loans. I also have the sale of the fifth, and among other things I renewed it two years ago! So I’m cut off, nobody pays me money. Well, in the meantime he thinks that in normal circumstances, a debt, as it should be, must be paid in full.
The opportunity to get out of a serious problem, sometimes paying 60, 70 or 80% less, should push you to consider the possibility of getting help from third parties, such as close relatives, employers, recovering part of the liquidation etc. Think of ways you could get a sum of 40, 30 or 20% of the debt you have now.
In addition, you may derive a practical advantage from a creditworthiness standpoint. If you make an excerpt in installments, your name may be deleted from the databases, only after 24 months from the balance, and then from the payment of the last installment.
The more installments you make and the more time you’ll have to wait to rehabilitate yourself.
In what sense will you say? As we explain in another article, if you have closed a fifth of the fifth (in the past 10 years) in advance or renewed, you may be entitled to a refund of up to several thousand euros!
The money you could get from it could help you get an excerpt. It is not uncommon to obtain repayments even from 3,000 or more euros. Do you think you could close a debt of 10,000 euros or more! See how one of our customers closed a debt of € 27,185.87 paying only € 6,000.00 in a single payment! A 78% savings!
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