There are many prestige debt consolidation agencies out there that can assist you to reduce your debt significantly and help you avoid the consequences of bankruptcy.有许多珍贵的债务合并机构,在那里,可以帮助你减少你的债务,大大帮助你避免破产所带来的后果. When you contact a debt consolidation agency you'll be assigned an agent with a wide experience in negotiating with creditors.当你联络债务合并机构,你应该指派代理人提供丰富的谈判经验,与债权人协商.
The agent will meet you to discuss and analyze you case.代理人将见面讨论和分析你的情况. He will ask you questions regarding your assets, your income, your debt, your job, your expenses, etc. You will probably be required to provide documentation regarding these subjects too.他会问你关于你的资产,你的收入,你的债务,你的工作,你的支出,等,你可能会被要求提供文件,对这些科目.
After understanding your situation, he will propose a debt consolidation programs which meet your debt situations and repayment ability.经了解你的处境,他将提出一项债务合并方案,以满足您的债务状况和还款能力. Then, he will arrange a meeting with your creditors and negotiate with them new repayment programs.然后,他会安排一次会议,你的债权人,并与他们新的还款方案.
The people from debt consolidation agencies has a wide experience in negotiation with your creditor and can help you to reduce the amount of money pay for interest and can help you to get an extension on you loan period.人民从债务巩固机构具有广泛的谈判经验与你的债权人,也可以帮助你减少的金额支付利息,并可以帮助你得到一个延伸你的贷款期限. Sometimes by means of debt consolidation people can get a reduction on your debt of up to 65%.有时借的债务合并的人可以减少你的债务高达65%.
Debt Repayment还债
Once the debt consolidation people get your creditors to approve for the new repayment programs, you will need to start repaying your debt.一旦债务巩固人民得到您的债权人批准了新的还款方案,你将要开始偿还你的债务. The repayment options may depend on the negotiation outcome between the debt consolidation agency and your creditors.还款选择可能取决于谈判的结果之间的债务合并机构和你的债权人. You may be asked to apply for a consolidation loan and once this consolidation loan get approved, this single loan will be using to pay for your debts and you just need to make your repayment on this single loan.你可能会问申请合并贷款一旦合并贷款获得批准,这种单一的贷款将用支付你的债务,你只需把你的还款这种单一的贷款.
However, if you didn't apply for a consolidation loan, sometimes you may also get single repay schema from the debt consolidation agency.不过,如果你没有申请合并贷款,有时你也可能得到偿还单一模式,从债务合并机构. Many debt consolidation agencies do provide repayment collection service to their clients and distribute them to the creditors.许多债务巩固机构也提供还款收集服务客户,并散发给债权人. Hence, you just need to make a single repayment to the debt consolidation agencies and the agency will take care of repaying all your debts.因此,你只需要作出一个单一偿还债务巩固机构和社会照顾偿还所有欠债.
Conclusion结论
If you are overwhelming with your unbearable debt, you may think of declaring a bankruptcy is your only solution; but this always not the case, there should be other alternatives to repay your debts which you might overlook.如果你是压倒你难以承受的债务,你可能会觉得宣告破产的是你唯一的解决办法;但这往往不是这样的话,应该有其他替代办法偿还你的债务,你可能忽略的. Consult and review the propose solutions from debt consolidation agencies, they may help you to avoid bankruptcy with a debt consolidation as your alternative option.询及检讨,提出解决债务巩固机构他们可能帮你避免破产的债务巩固你的另类选择.
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