Suppose you are an overdue online loan or credit card person, and the daily collection calls and text messages make you troubled! You are afraid that people will come to your door, you will be sued by the court, and your friends will know that you are in debt and in trouble. At this time, I suddenly saw such a message on WeChat or online: Due to the impact of the epidemic, many customers have insufficient funds and are overdue. How can they be harassed by collections and severely sued? And our business of suspending interest rates and suspending debts and debt restructuring is Can help customers!

As long as you have an overdue credit card, we can provide you with debt restructuring services!

Five highlights of suspending interest rates and pending debts:

First: Stop violent debt collection;

Second: Stop the increase in interest and liquidated damages;

Third: Stop the bank’s lawsuit;

Fourth: Reduce or reduce related interest and liquidated damages

Fifth: Repayment can be divided into up to 5 years and 60 months

Then they also provided many successful cases of credit card installment negotiation and screenshots of the information. Seeing this, do you think that as long as I find these people who provide services, my overdue online loans and credit cards will be saved? Quickly ask what to do! Hurry up and deal with this mess, I can live in peace of mind.

So is it true that after online loans and credit cards are overdue, online help is provided for debt restructuring? Should I deal with them?

First of all, most of the companies that provide this kind of service are genuine, and many of them have sprung up in recent years. For customers who have overdue online loans and credit cards and are afraid of collections and lawsuits, we say they can help you negotiate with lenders or banks to reduce or reduce the related interest and liquidated damages. In most cases, you only need to divide it into 12 installments or 36 installments. Just pay back the principal in 60 installments in 5 years or up to 5 years!

Their basis is that Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks" can be applied to people who are overdue and cannot repay once, but they must obtain the consent of the card issuer. If the overdue time is too long, Those who refuse to repay after being called may be suspected of violating criminal law.

According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, The card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. The contents of the personalized installment repayment agreement should at least include:

(1) Arrears balance, structure, currency;

(2) Repayment cycle, method, currency, Date and repayment amount of each installment;

(3) Whether annual fees, interest and other fees will be charged during the repayment period;

(4) Cardholders will pay in personalized installments Commitment not to apply for a credit card from any bank before all amounts related to the loan agreement have been settled;

(5) Rights, obligations and liability for breach of contract of both parties;

(6) Repayment Other matters related to payment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collecting payments from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.

The key point is: the charge is 8-10% of the negotiated amount. For example, if your credit card worth RMB 50,000 is overdue, they can help you negotiate a repayment of RMB 1,389 in 36 installments! The fee is 4,000 yuan-5,000 yuan.

In the words of a debt restructuring company, through our efforts we can help you avoid liquidated damages, penalty interest and late fees, so that you no longer have to worry about being collected and sued.

Suppose that your finances have been restored, you have a stable source of income every month, and only this one credit card is overdue. You are too lazy to negotiate on your own and just want to hire someone to help you negotiate. Then, this choice is the best.

But the reality is that this does not help you solve your debt problem, they are just taking advantage of your fear to make a fortune.

Reason 1, whether it is an online loan or a credit card that is overdue for 2 years, if you do not go to the lender and negotiate with the bank, the lender will send you a message saying that you can only repay the principal and repay in installments. Otherwise, they will transfer these bad debts to a third party for collection at a 20-50% discount according to the bad debt treatment method.

Reason 2, the prerequisite for installment repayment is that you must have a stable source of income for 3-5 years, have enough money to repay the loan every month, and ensure that it will not be overdue after the negotiation is reached. This is The most critical thing. After all, this agreement is very fragile. Once you exceed the deadline again, the agreement will become invalid, and the toll company will no longer care about you.

Reason 3: Usually, when a person's debt has collapsed, most of the overdue debt is not a credit card or a single debt. But there are many debts, many overdue. When a ship has many leaking holes, putting all your energy into repairing the holes will not prevent the ship from sinking.

Reason 4: After the debtor worked hard to pay off these debts, has his financial situation improved? No, he is still in the trap. During the three years of negotiated repayment, the People's Bank of China credit report is still overdue. Even if you pay off the debt, it will be automatically eliminated after 5 years, and you still cannot apply for a credit card during these 8 years. , loans to buy houses and cars, etc. And how many eight years are there in life?

So, what is the significance of this installment result that cost several thousand yuan? Has your debt problem really been solved? I'm afraid it's more that these companies are taking advantage of your fear of debt collection and prosecution to harvest your IQ tax.

For online loans, after the credit card is overdue, the debt must be repaid, so what is the correct way to handle it?

Pay attention to a few key points:

1. Where do the funds for repayment come from?

Using income from work to repay your debt means you have to be a slave to money, year after year. The best repayment funds come from the cash flow income generated by the assets, or funds obtained from purchasing asset mortgage loans. There is no doubt that professionals can implement these plans even if your credit report is overdue, blacklisted or even the court's dishonest executor.

2. What kind of repayment method is used?

Both lump sum repayment and installment repayment are possible. The risk of one-time repayment is lower and the negotiation leverage is better!

3. Can I improve my finances and make me rich during the repayment process?

Using income from work or business to repay is not a good choice, because you are just fulfilling your repayment obligations and filling in the gaps. If you use the funds to purchase assets before each repayment, and then use the asset mortgage loan or the cash flow generated by the assets to pay the repayments. According to the law that people become rich through assets, by following this operation, you will improve your finances and become richer.

As a company that specializes in handling personal and family debt, I feel that we should sort out all of our clients’ debts and develop a solution that is reasonable, safe, and can help clients truly solve their debt problems and achieve their financial goals.

Therefore, when faced with a customer's debt, we first assess what is his current worst-case scenario? Is it deteriorating, has it begun to collapse, or has it weathered the storm and begun to rebuild?

Second, you must arrange the financial foundation, create assets, ensure sources of income, and basic living conditions.

Third, develop a financial plan to achieve various goals.

Fourth, repayment arrangements, negotiations, and debt restructuring operations.

Fifth, help you improve your finances during every repayment process.

To be honest, the market for personal and household debt solutions is facing customers who are heavily in debt and have the most money in the world. Yoozoo CEO Lin Qi once concluded when his business failed before: "You shouldn't make money from a bunch of extremely poor people." For company management, focusing on the poor as the target customers, charging a one-time fee, and thinking about how to make money from the poor means that you will not become a rich person.

This is not a good business.

However, there is still a huge rigid demand in the personal and household debt market. Tens of millions of people in debt are crying out for help. They are sinking in the hell of debt and are being slaughtered by scammers. They are in urgent need of rescue! There is no shortage of so-called companies and institutions in the market that deal with personal and family debts. What is lacking are ethical, truly professional and conscientious companies that are dedicated to helping debtors solve their problems.

There is a charge, there is a charge, there is a charge. Say important things three times.

There is no free service, but it is generally like this. Applying for negotiated repayment means that after you are overdue, the interest and liquidated damages will stop, and you will make another installment of the unpaid money. The premise is that you You have to have money to pay back, otherwise there is no point in negotiating.

For those who want to help you negotiate with institutional banks, you can call them intermediaries. As for professionalism, that’s it. But let me tell you, the negotiation channel is open, the credit card customer service phone number is the number, you can negotiate by yourself, no intermediary is needed, unless you want to spend more money.

How do intermediaries charge? For credit cards, it depends on the amount you owe, and charges are based on points. It is not cheap. For example, a credit card has a limit of 200,000, and the point fee is about 15,000.

Remember there is no free lunch in the world. We charge a fee and are only responsible for helping you negotiate. The negotiation time will not allow you to pay off your debt at all. They are only responsible for negotiation and charge after negotiation. You can handle this negotiation yourself, you need to negotiate with them. A guy who loses his conscience has no shame in living in this world.

Nine out of ten are false. Instead of taking the risk of taking shortcuts, it is better to confess to your family and find a way to settle everything, otherwise there will be an endless journey of repayment waiting for you, strangers, Happy New Year!

Nine out of ten people are cheating. There is no free lunch in the world.

What they are waiting for is the person who is in trouble and blindly needs a way out

Stop the loss in time, otherwise you will get deeper and deeper