Money For Each Household http://www.oxuscom.com/ Wed, 15 Jul 2020 10:17:40 +0000 en-US hourly 1 https://wordpress.org/?v=5.4.2 Ways to Find Money For Each Household http://www.oxuscom.com/whats-the-best-way-to-find-money-for-each-household/ Mon, 06 Jul 2020 10:20:23 +0000 http://www.oxuscom.com/?p=1005 There are several ways to find money for each household. Each household will have different needs, so it is important to realize this before you make a purchase.

What’s the best way to find money for each household?

Some people do not like their credit card bills or rent, and can pay it with the money they make with their jobs. This is a great way to save some money. You should be prepared for paying cash for these types of expenses, but you should know that the alternative is even better.

Many people like the idea of food on the table. If you have extra money from your job, then it may be time to start a garden. You will want to plant some of your favorite vegetables, fruits, and herbs. If you have enough money, you might even be able to buy enough supplies to make homemade meals.

Neighbors may also be willing to help you with some of the financial challenges you are facing. If you ask nicely, they may be willing to lend you some money if you are in financial trouble. If your neighbor is willing to help you out, then it may be worth asking them to offer you some of their things.

There are also loans with no credit checks that can be applied for that have money for you to spend. You should fill the application.

If you can afford to have a larger down payment on a house, then this can help you save money on your monthly bills. There is not much money for each household, so using a small amount of money can help you save a lot of money over time.

Not all credit card payments can be paid off as quickly as you would like. It might be necessary to take a longer period of time, even when it is raining or cold outside. If you cannot avoid these situations, then you will have to wait a little while before you get your bills paid off.

Start making payments to start with

It is much easier for your to save money if you will have a lower interest rate on the credit cards you pay on. Once your interest rates are all paid off, your credit score will increase.

When you have money for each household, consider paying off all of your credit cards at once. This will not cost much money. If you already owe five credit cards, then this should be a fairly easy thing to do. Pay off all of the balances and you will have several hundred dollars available to you at any given time.

Make sure to save every single receipt that you can from the grocery store, gas station, and the bank. This will give you a record of how much money you spent, and where you spent it. Take a week or two, and record all of your receipts.

This will help you determine what you need to spend extra money on. In this way, you will have a budget that is easier to follow, and you will get more out of your finances.

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Credit Repair Myths – What You Need to Know http://www.oxuscom.com/credit-repair-myths-what-you-need-to-know/ Tue, 30 Jun 2020 15:46:52 +0000 http://www.oxuscom.com/credit-repair-myths-what-you-need-to-know/ There are many myths associated with credit repair and you should know them if you want to be successful in your endeavor. If you follow these tips, you will certainly make more money for it, even if you are not successful. The first myth you should know is that you can repair your credit by yourself and this is completely false.

The first tip you need to know


Is that you have to contact the reporting agencies, your creditors and request a copy of your credit report and that you should not wait for another time before requesting one.
You can stop spending money on spending a lawyer or by the credit repair agency, which is a big mistake most people make. A lawyer can be extremely expensive and you may end up with nothing at all.
Credit repair is not a long term process and you should never feel guilty if you do not know what you are doing and get a company to help you. The other thing you need to know is that once you try to repair your credit and then you need to stick with it or you will definitely fail.
Remember that if you do not receive a copy of your credit report in a timely manner, it is not you who are to blame but the creditor. The first myth you need to know is that you can only get a free credit report once every 12 months.

Credit repair is not easy to do and you cannot do it alone


The next myth you need to know is that you need to pay a large sum of money to get a free credit report. Actually, if you want to repair your credit you can do it for free.
The final myth you need to know is that you can just wait to receive your credit report and then go through each item and look at the information. There is no way to get your credit report without paying a fee.
This is the correct way to do it because if you want to pay the fee you can do it later when you are making improvements on your credit report. The last myth you need to know is that if you do not want to buy one of the companies that offer to do a credit repair for you that you can contact the agency directly. This is not true and you should contact them directly.
You should never make any attempt to lie to an agency in order to get a credit report. The final tip you need to know is that you cannot do a credit repair on your own.
This is a government-mandated agency and they will not tolerate this kind of dishonesty. The last myth you need to know is that you cannot get a credit report from any agency without paying a fee.
If you want to have a new credit history, you will have to pay the fee to do so. The final myth you need to know is that you will be banned from ever opening a bank account or applying for a loan again.

This is a government-mandated agency and they cannot do anything illegal


The final myth you need to know is that if you repair your credit on your own you can always take out a credit card and make purchases.
You can use your credit card to pay off the amount you owe and this is something that you should avoid doing if you want to repair your credit. These are the last myths you need to know.

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Payment protection insurance for loans http://www.oxuscom.com/payment-protection-insurance-for-loans/ Sat, 02 May 2020 05:55:32 +0000 http://www.oxuscom.com/payment-protection-insurance-for-loans/ Payment protection insurance is a type of insurance marketed by Banks and Financial Institutions when we contract a personal or mortgage loan that provides us with the necessary coverage to face your payments due to lack of income as a result of temporary disability, unemployment or death.

Everything you need to know about protection insurance

Everything you need to know about protection insurance

  • Why are credit institutions interested in hiring payment protection insurance?
  • What does loan or payment protection insurance cover?
  • How much does payment protection insurance cost?
  • Hiring a payment protection insurance, where to go?
  • Conclusion and recommendations

Why are credit institutions interested in hiring payment protection insurance?

Why are credit institutions interested in hiring payment protection insurance?

It is usual for the Credit Institution with which we contract the debt to offer us the option of subscribing to payment protection insurance linked to our loan, under the agreement to improve our financing conditions.

The Financial Institution with which we sign the loan is interested in our availing of this insurance that offers us payment coverage in situations in which we stop receiving income. In this way, recurring payments are guaranteed in situations of economic difficulty.

What does loan or payment protection insurance cover?

What does loan or payment protection insurance cover?

The payment protection insurance provides us with sufficient coverage to amortize the payments of the installments of our loan in the cases stipulated in the policy contracted with the insurer, which generally accepts the situation of unemployment, temporary disability or death.

Before signing the insurance policy, we must pay attention to the conditions and coverage it offers us. It may happen that the contracted coverage is not what we need and we are not aware until we need to resort to it that we are paying for insurance that does not meet our expectations.

Payment protection insurance assumes the payment of an amount (part or total of the mortgage installment) during a period of time stipulated in the contracted policy, in case of unemployment or temporary disability.

Unemployment coverage

Unemployment coverage is responsible for paying the installments of the linked loan if we lose our job.

To be able to contract this insurance coverage, we must be indefinite workers or permanent discontinued workers. In the event that we have other types of temporary contracts, or contracts for works and services, insurers will consider that we are not suitable to contract this coverage.

It is advisable to pay attention to the clauses of our policy since situations such as the appropriate dismissal, a dismissal without the right to stop, or a resignation would not be considered insured and in case of losing the job for any of these reasons we would not be protected.

Coverage in a situation of incapacity for work

Coverage in a situation of temporary disability is responsible for the payment of the installments of the linked loan when we are sick or suffer an accident that renders us incapable of performing our usual functions, due to medical leave ruled by a Social Security doctor with the exception of the low for maternity.

How much does payment protection insurance cost?

How much does payment protection insurance cost?

The cost of payment protection insurance or loans varies depending on its amount and the maximum time it covers us. Factors such as the period of validity of our mortgage or loan that we insure, its capital, our age at the time of contracting, or if we decide to pay it in a single premium or monthly premium also influence.

Predictably, the cost of the premium will be higher the higher the amount of the fee we want to cover. The maximum quota limit that we can contract with this insurance ranges from 12 consecutive months or up to 36 non-consecutive alternate quotas.

Hiring a payment protection insurance, where to go?

Hiring a payment protection insurance, where to go?

In the event that we are interested in contracting payment protection insurance, we should know that although this service is usually offered by the financing entities with which we contract our debts, there are other alternatives that we must assess before making any decision.

The most important banks specialized in payment protection insurance are entities such as Cream bank or Infra Bank.

Conclusion and recommendations

The payment protection insurance marketed by banks and savings banks at the time of contracting a loan to ensure coverage of payments, is a linked product that although beneficial for the client, if we do not pay attention, it may not fit to our needs.

It is advisable not to get carried away by the banks’ recommendations without first comparing the insurance offer in other companies in the sector specialized in contracting insurance.

Read carefully the clauses of the insurance policy that we contract, to make sure that our policy includes what we need. In many cases insurance companies are restrictive and it is not usually easy to collect this type of insurance, so it is recommended to pay attention to aspects such as the lack and period of validity of the insurance.

In the event that you have doubts regarding insurance coverage, before hiring, it is advisable to ask experts for advice to negotiate the insurance conditions for us

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Online Loan – Is it the best option? http://www.oxuscom.com/online-loan-is-it-the-best-option/ Sat, 02 May 2020 05:55:32 +0000 http://www.oxuscom.com/online-loan-is-it-the-best-option/  

Analysis and opinion

Analysis and opinion

t is an intermediary that is in charge of sending the information to different entities without the user having to do anything more than choose the amount and the return period.

In addition to online financial institutions, intermediary companies that help the user to streamline the process are proliferating lately. The user has no way of knowing the options until they enter the data in the system and receive a response, based on their financial situation.

How to apply

How to apply

The registration process is exactly the same as that followed when requesting a loan directly from an online loan financial institution.

You choose the amount and the return period you want and then the usual information that is required in these cases is provided, that is: personal data, contact information, employment situation and if you have a negative credit history (Financial Credit Institution )

Next, the terms and conditions are authorized and the company that manages the website is granted authorization to create a profile with which to manage the requests to the entities that grant the loans.

What is needed to apply for a credit

What is needed to apply for a credit

In order to apply for a loan and that it has options to be granted, it is necessary to meet a series of requirements:

  • Be of legal age and have residence in Spanish territory
  • Have Spanish nationality and be in possession of a DNI or NIE
  • Have a mobile device

However, a specific work situation or a clean credit history are not required. Since the procedures are carried out with companies that accept different types of clients, the applicant’s solvency situation is not defined as an exclusive element.

Loan terms

Loan terms

Since Online Loan does not grant loans directly, but only plays an intermediary role between financial institutions and users, it does not establish specific conditions, but rather a range.

Thus, the minimum that can be requested is 50 USD, while the maximum is 750, the term varies between 1 and 90 days and the APR can be 0% but also rise to a maximum rate of 36%.

The client can only specify quantity and term, being in the hands of the entity that grants the credit apply the rates it deems appropriate and that the client can always accept or reject. These rates will generally be lower the better the applicant’s creditworthiness.

Receive the money

Receive the money

The applicant will usually receive a response within 15 minutes. If this is positive and you accept the conditions of the entity that grants you the credit, the deposit will be made to your account as quickly as possible.

The proposal received will be the result of the automated management that Traffic Control (the company that manages Online Loan) of the information provided.

Through a series of algorithms, the system links the newly created user profile based on the information provided with the conditions of the entities that grant online loans and sends the request first to the one that is most likely to accept it.

Thanks to this, the system can respond, in general, in the affirmative, in a very short period of time, since it collates the information of both to find the best match profile between applicant and financial entities.

In any case, it should be noted that acceptance of the request is not guaranteed, and that if it is rejected, no information is provided about the reasons.

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Easy Loan Approval http://www.oxuscom.com/easy-loan-approval/ Wed, 29 Apr 2020 15:35:31 +0000 http://www.oxuscom.com/easy-loan-approval/ You Never Have To Pay Back a Cent with Easy Loan Approval


he first thing you must do to have an easy loan approval is to apply for it. You can apply online for your easy loan approval or you can mail in your application and it will be considered. Both methods are good, but it really comes down to which way you feel most comfortable with.

Apply for your easy loan approval online


Once you find out the most convenient way to apply for your easy loan approval, you will find it is simple. You don’t have to get out of bed to apply for it because there are software programs that can help you submit your application, it’s that easy.
If you would like to receive an easy loan approval you will need to find a lender that offers such programs. A high percentage of lenders in the United States offer this type of program and even more are looking into providing this type of program as well. This means that it is easier to obtain an easy loan approval than it has ever been.
It is the easiest way to get a loan approval. It is so easy that even a college student can apply for this type of program. Many people do not think that they can qualify, but anyone can.
The Internet is the newest and best way to apply for this type of program and they are able to find the best lenders and find out the best interest rates and terms as well. You do not have to wait for days to find out what terms are offered or whether you will qualify for the program. Everything is available right on your computer or laptop right now.

Benefits of an easy loan approval


There are so many benefits to applying for easy loan approval. No longer do you have to struggle to find a lender that offers you a loan. It is now so easy to apply for one that you may be surprised by how easy it is.
An easy loan approval is also important because of the money you can save in interest. You could save up to two thousand dollars on interest per year if you apply for the program. You also will save on the amount of time you spend on researching the program, which is time that you will be spending with your family instead of working.
With an easy loan approval you could easily pay off some of your credit card debt. If you find yourself spending more money than you make, you can use the easy loan approval to get rid of your debt. You can easily pay all your bills and pay it off quickly. You will also have an emergency fund that you can use in case of a major illness or disaster.
If you are worried about how much time you have left in this world or if you worry about your children someday getting sick, you can use an easy loan approval to help. Your children will be protected and your family will be able to function more normally once they are home. You can pay off your credit cards and other debts in just a few months.
You can use the easy loan approval to purchase a vehicle, buy something for the holidays, or save for your retirement. The money you could spend on vacations, and your emergency fund will be used for things that will help you live a more fulfilling life. The peace of mind that comes from knowing that you will be able to stay healthy and save for the future is priceless.
The benefits of an easy loan approval are endless. You do not have to struggle to find a lender that offers you an easy loan approval. You can easily apply for one and get approved for the money you need.
The time you will save in processing your application and researching the programs will pay off with an easy loan approval. You will be able to afford the things you want to do. Not only will you be able to afford it, but you will feel much better about yourself.

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Low-income loans without Credit bureau. http://www.oxuscom.com/low-income-loans-without-credit-bureau/ Fri, 20 Mar 2020 07:43:20 +0000 http://www.oxuscom.com/low-income-loans-without-credit-bureau/ Banks receive the Credit bureau information in connection with the credit check, from which they can see the existing obligations, so that they also do not help to hide loans. Many consumers dream of low-income loans without Credit bureau.There are not many low-income or non-Credit bureau offers, but they can be found. It is much harder to find a loan if the loan is to meet both conditions. A loan despite Credit bureau and low income is quite possible – learn all about this interesting topic here.

Low-earning loans

Low-earning loans

A personal loan? The term “personal loan” is a fixed term which, unlike the term “personal loan”, refers to the origin of the funds raised. Lenders can be people who know you personally or people who are willing to pay their loan at a certain rate.

Whether mini, part-time or unskilled – many working people in the Federal Republic receive only a very low income, with which they can cover their everyday life in the rule almost. Because these consumers are usually unable to put aside and store a certain amount of money every day, unforeseen events can quickly cause a big leak in the household budget!

With larger purchases, such as an urgent repair or an important purchase, the necessary capital is often not available. In rare cases, consumers should resort to the financing of these purchases through the costly disposition credit – only if the balance of the current account is guaranteed within a very short time.

Direct credit institutions

Direct credit institutions

In each case it is more favorable to refinance these expenditures via a deferred loan. However, due to low income, it is often very difficult for a mini-, part-time or unskilled person to get a loan from the house bank. Basically, a small income is usually not an exclusion criterion for lending – should the low-income have a flawless Credit bureau file, there is always the possibility to obtain a loan from the house bank even with low income.

Especially through direct credit institutions, which sell their money products exclusively over the net, these consumers have good prospects. With us you will find such banks and can carry out your online credit comparison here for free. Low-income consumers whose loan application is rejected by the bank despite a good Credit bureau file, have different ways to convince the bank of itself: One way to obtain a low-income loan, it is to give the house bank additional security.

A second borrower, who also has a clean Credit bureau record and a regular income, can borrow for low-income consumers. In addition, real estate, insurance or other assets can help convince banks to lend. If the principal bank refuses financing despite additional security, the borrower should endeavor to collect a smaller loan amount from the principal bank or repay the loan for a longer period.

In both cases, the monthly load is reduced by the repayment rate – for the house bank increases the security that the borrower can pay the due repayment amount monthly despite low revenues.

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Quick credits of 300 $. $ 300 Quick Loan. http://www.oxuscom.com/quick-credits-of-300-300-quick-loan/ Tue, 03 Mar 2020 09:14:01 +0000 http://www.oxuscom.com/quick-credits-of-300-300-quick-loan/ Since the beginning of the economic crisis, a few years ago, the companies specialized in fast loans have streamlined the procedures so that we can access their fast loans of 300 USD online and in a very short time.

Contrary to what the banks demand, there will be no need for unnecessary paperwork, absurd justifications about what we are going to do with the money, or any other obstacle. The only thing that matters is helping us with the money problem we have.

At Lite lender company you can find quick credits of 300 USD. We work with the best financial companies in Spain to offer you a loan of 300 USD that meets your current needs, without guarantees, without paperwork and without further explanations.

Next, we are going to see some of the requirements that they will ask you so that you can access a credit of $ 300:

Requirements when requesting a fast credit of 300 USD

Requirements when requesting a fast credit of 300 USD

Age: the normal thing is that we have to be of legal age to be able to access the money ( 300 USD ). However, some online credit companies may also set a minimum age of 21 years.

Resident in Spain: we will have to be residents in Spain to request the money, in addition to being able to prove it.

Debts?: It depends on each entity, the truth is that having debts can be more complicated than granting us fast loans of 300 USD.

If the debt is small, perhaps nothing will happen, but if it is higher, we will have problems. Each company reserves the fact of being able to give us the 300 USD that we have requested or not if we are in Financial Credit Institutions (lists of defaulters). At Lite lender company we also work with credit companies that grant loans of 300 USD with Financial Credit Institutions.

Monthly income: to indicate that we are viable, we will have to demonstrate that we are receiving demonstrable monthly income. We do not need to have a payroll, but we will need an unemployment benefit, an aid, a pension, or any other type of monthly income.

Characteristics of a personal loan or fast credit of 300 USD

Characteristics of a personal loan or fast credit of 300 USD

There are three main elements that every person with needs to acquire a loan of $ 300 requires:

Relaxed requirements: these $ 300 personal online loans are generally used to cover a specific need, without great pretensions and in a difficult situation.

If you had the money, which in these credits is not a large amount, none of this would make sense, that is why the entities that limit the required documentation to the maximum stand out.

Moderate amounts: these loans are aimed at satisfying a specific problem of not much amount. Sometimes a little more money is required, but the total amount never usually exceeds 3 figures in this type of credit.

Concession speed: sometimes the offers are only for 24 or 48 hours, if we have a specific problem we know that we will be able to pay it in a few months, but at that time we do not have all the cash to undertake the expense. The sooner it is resolved the better.

There are companies, such as Lite lender company, that have been able to evolve rapidly by improving conditions: fewer requirements, higher amounts to grant, and above all, most importantly, the highest speed of concession.

Don’t hesitate any longer and request a personal online loan of 300 USD today!

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Credit for difficult cases. http://www.oxuscom.com/credit-for-difficult-cases/ Sun, 26 Jan 2020 01:08:56 +0000 http://www.oxuscom.com/credit-for-difficult-cases/ The banks have their guidelines for lending. Anyone who falls through the grid has little chance of getting a loan. Nevertheless, some have specialized in granting a loan even in difficult cases. However, the consumer should not fall for the many promises that easily, because dubious providers are also bustling in this area in particular. You can quickly recognize this by the fact that prepayment must be paid first.

Reputable lender

Reputable lender

A loan for difficult cases is only available in rare cases. Some financial service providers have specialized in the market that can successfully broker such a loan. However, this is not easy, because here too, you are happy to secure yourself against default. This means that the entries in the Credit Bureau must not be serious.

This means affidavits or personal bankruptcies. These are also entered in the official debt register of the responsible local court, so that every bank can see the facts immediately. This also applies to foreign banks through which Swiss credit comes into being.

A guarantor can be helpful

A guarantor can be helpful

Nowadays, this option is rarely chosen, but it can result in a loan being approved for difficult cases. However, it is difficult to find such a person who is willing to take this considerable risk. After all, he is liable for the loan when the borrower stops paying his installments.

Personal loan platforms are on the rise

Personal loan platforms are on the rise

For some time now there have been platforms on the Internet on which private individuals offer loans. The Credit Bureau is also queried here, but there is at least a small chance of success if the loan for difficult cases is not a large loan amount. The guidelines for the granting of loans have no influence here, because every lending investor can decide for himself whether or not he or she wishes to have a loan.

Another feature of these platforms is that the loan amount does not only come from one investor, but is financed by several people. A contract is only concluded when the desired amount has been reached. Interest rates are suggested by the borrower. This is also different from the banks.

 

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Crowdlending: participatory credit as a financing solution http://www.oxuscom.com/crowdlending-participatory-credit-as-a-financing-solution/ Fri, 03 Jan 2020 09:33:30 +0000 http://www.oxuscom.com/crowdlending-participatory-credit-as-a-financing-solution/ Participatory credit, or crowdlending, is an alternative to the “classic” bank loan and allows you to benefit from cash simply without having to involve your bank. Specialized in new financing solutions for SMEs, we help you finance your activity!

Keep your banking relationship intact with crowdlending

Keep your banking relationship intact with crowdlending

By using crowdlending, the loan amount is not granted by your bank, but by a network of investors . On your side, you keep intact the relationship maintained with your bank and benefit from a loan with interesting conditions:

  • Amount : You benefit from a credit limit that is often greater than what can be offered by your bank.
  • Refund : 12 to 60 months depending on your preferences.
  • Interest rate : determined according to the risk class, but in principle also see more advantageous than banks usually offer.

Our services

Our services

Active on the market for more than 20 years , we offer our clients modern financing alternatives such as crowdlending that make it possible to avoid banks. Does your business need cash? Through our agency, you benefit:

  • A neutral council leading to proposals tailored to your needs
  • A financing alternative with or without banks
  • From a global support of your file: we take care of the steps!

Example: participatory credit of 150,000 USD

Example: participatory credit of 150,000 USD

A company active in the import and export of specialized medical equipment needs an additional budget of 150’000 USD. Thanks to our services, the latter can for example benefit from a participatory credit in a simple and fast way :

  • Interest rate from 3.0%
  • Refund on 12 – 60 months
  • Administrative procedures supported by us

As an indication, such an example represents a monthly cost (reimbursement and interest included) of between 2’693.- and 2’823.- for a rate of 3% to 5%.

Contact Us

Want to know more about this alternative financing? Our advisors are at your disposal to inform you or offer you, in case of interest, and offer without commitment.

Contact a specialist that deals with crowdlending.

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The over-indebtedness plan http://www.oxuscom.com/the-over-indebtedness-plan/ Sun, 22 Dec 2019 17:40:08 +0000 http://www.oxuscom.com/the-over-indebtedness-plan/ The over-indebted can seize the Commission of over-indebtedness in the event of manifest incapacity to settle monthly payments towards its credit institution. If the file is admissible, a recovery plan is put in place. The details.

The recovery procedure

The recovery procedure

The over-indebtedness plan aims to put in place all the procedures and formalities relating to the facilitation of the reimbursement of debts contracted by natural persons. The latter being unable to repay their debts.

To be able to benefit from it, the applicant’s file would have to be admissible. It is only from this point on that the Commission for over-indebtedness will begin all the stages inherent in the negotiation, to bring the repayment capacity of the over-indebted into harmony with the interests of the credit institution concerned.

The repayment capacity

The repayment capacity

To define this repayment capacity, the recovery plan will take into account several parameters, starting with the “daily life budget” of the over-indebted. This budget is calculated according to the criteria of the Over-indebtedness Commission. In this sense, certain expenses related inter alia to clothing, food, … must respect the established scales. Fixed expenses are also taken into account on presentation of invoices by the over-indebted. The goal is to make repayments while ensuring a decent life for the household.

From the sale of heritage to erasure

From the sale of heritage to erasure

At the end of this process, several scenarios may arise. Debt settlement can, for example, be suspended for a specified time, until the over-indebted can find a more or less stable situation to resume repayment. The deadline may also be revised for a longer period in order to lighten the debt load.

Part of the assets of the over-indebted, apart from what he needs to ensure his daily life, can also be put up for sale. Partial or total debt forgiveness is also a possibility. In any case, the over-indebted must not venture to take out a new loan during the execution of the recovery plan. For clarification, this plan can last up to eight years. A deadline which will be revised to seven years from the year 2016.

Over-indebtedness plan accepted or refused

If both parties accept, their signatures will be affixed to the plan in addition to that of the commission president. But in the event of refusal, a report is drawn up. However, the over-indebted can request “imposed measures” within 15 days. Note that the plan can be revised or renewed.

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