A few lines about the phenomenon of over-indebtedness of households in France!
Top news headlines published throughout the text of this article: ” Over-indebtedness your questions and our expert answers ! And ” How to deal with a situation of a wallet on the verge of bankruptcy ? But also the cure for curing an excessive indebtedness! “
Over-indebtedness your questions our answers!
A person, a home, everyone can find themselves financially blocking any time of its existence!
Spending and compulsive buyers
I still remember a childhood friend, his name is Marc, he was not to say always, very often in excessive debt situation. His case is not unusual, problems of compulsive shopping on credit that have led him to live hard to get treatment for addictions to expenses related to personal recreation. The worst of his money – related troubles was the compulsive purchase of shoes thinking that they were a reflection of “knowing how to dress and be a class man”.
But the problem is that this wrong or true thinking has led many times the management of its debts with the help of the Bank of France (BDF), more precisely by filing a debt overbank for bank prohibition following the clumsiness of rejection unpaid check ! Fortunately, after much effort and a financial education course as in school (memories), he was able to correct errors in budget management and get off to a good start!
Good manager and very nice
When the profession is clearly called credit union broker, necessarily according to the professional seniority of the financial advisor, if the latter has several years of experience to his credit, then he has inevitably already had the opportunity at least once during the client file instruction whose object of the request is a grouping of credits, the profile of self too kind and which helps financially towards his relatives as a good father for example.
One day a client explained that she is still in debt for the same reason, helping her 28 year old daughter today. The latter does not cease to accumulate more or less important expenses than it assumes monetarily of itself by its own resources.
Here are some concrete examples :
- constantly short current account producing bank charges charged for catastrophic fiscal management,
- divorce from a first marriage with a dependent child and whose father abandoned them economically,
- personal vehicle suddenly out of service so Faginment of a new vehicle, etc.).
What to emphasize :
- The mother has reached a debt ratio of over 80%, much higher than her monthly executive salary of € 4000, and a monthly charge of € 950 corresponding to the monthly payment of the loan to the real estate accession..
- The girl is unemployed, and more precisely, an isolated mother at home.
Over-indebtedness file: over-indebted how to do it?
To really know how people feel about becoming insolvent, or bankrupt individualist, you just have to live the journey! But better avoid losing the management of his Fagins, and not get sick not to sleep at night!
Free advice on pecuniary difficulties:
- Do not go into exile socially
- Talk to a trusted family member (family or trusted friend (s)) and talk to them for advice
- Do not ostrich creditors, get closer to each other and discuss intelligently
- If a bailout can get you off to a good start, try getting help by lending money. Of course, pay it back little by little, and define a payment splitting of debt while respecting the capacity of the over-indebted to pay an expense on a fixed date of payments.
- If the issue does not find any way out of a restoration restoring order in the management of the accounts, then it is necessary to file an over -indebtedness file with the services of the Bank of France.
How to redeem bank receivables?
The Faginment plan with the characteristics of the financial product enabling the repurchase of bank loans is the conclusion of a durable and adapted recovery in order to offer a perfect control to the good stewardship of its own funds.