When the person makes the decision on to paying the credit to bank there is a question as lawfully not to pay for it. Whether there can be something for it. It should be taken into account all options in more detail.
Quite often the person should meet such difficulties, when there is no an opportunity to have money, and collectors do not stop getting phone calls. Here then the majority make the firm decision that it is necessary to struggle with this lawlessness somehow.
Whether it is possible to refuse payment of the credit?
So, it is necessary to consider one of the most banal methods. The debtor of bank can try not to catch sight to collectors and to wait for that moment when the term of limitation period expires (it makes 3 years after the last contact with bank). Yes, option very ridiculous and, undoubtedly, silly, but if there is no other way out, then it is possible to use it. In such situation the person should tear off communications with all relatives and acquaintances. But only it is necessary to remember that aggression of staff of the collection agencies is directed not only to the debtor, but also to his family, relatives and even acquaintances.
One more option which will be more preferable in case the credit already overdue – to try to agree with banking institution. It is recommended to try to adjust communication with bank when the person only just had problems with finance, and there is a feeling that in the nearest future nothing will be solved. Such method will make positive impact and bank will see that the person for a certain reason has no opportunity to pay for the credit.
Question whether it is possible not to repay the loan, without breaking the law concerns many. It is possible to use such method. For example, if after the decision not to pay the credit, business came to court, then, first of all, it is necessary to ask for the help the competent lawyer. The court is a remarkable opportunity to throw off from penalty fee debts which were added unduly. It is worth paying attention that the decision on default of a debt, but nevertheless will be hardly made …
If the court did not go to it, and enforcement proceeding was instituted, then at evasion it is possible to receive criminal record from a debt. As the option, court can make such decision that the payer had to pay the credit with parts – partial repayment of the credit. It is possible to deliberate long how not to pay the credit. But, nevertheless, it is necessary to understand that completely it will be possible not to pay the credit, having used the first way. In other situations it is necessary to pay, meeting conditions of a consumer loan.
How to cease to pay the credit?
Undoubtedly, debts can be various. The credit for purchase a car, money for a travel, repair or construction was taken. Having taken the necessary sum, quite often occurs so that there is no opportunity in due time it to return. Especially such situation happens at the time of crisis. Not to pay the credit – it is possible and also it is possible to reduce the sum of payments to the optimum sizes.
Having addressed the lawyer with a problem, for example, how not to pay the credit on a mortgage, it is required to provide such information: terms and the sum of the credit, the name of bank or financial organization what issued the credit and so on.
It is necessary to remember what was eaten voluntarily not to pay debts, the borrower has a full authority to appeal to court with a request for termination of the credit agreement.
Anyway it is possible to find a way out of current situation. Anyway it is necessary to solve somehow a problem with the credit and not to assume that it was necessary to disappear from collectors.