Clipping of news on Brazilian Culture, Law and Citizenship
 


Debts

I have many debts in payroll loans. What to do?

01/07/2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 



transparent image


Doubt the Internet user: I am a civil servant and I funded an apartment. I paid the owner of the input value with the value received for the sale of land, and I funded the rest with the hiring of payroll loans.

Later borrowed another value to buy a used car, and started taking this type of loan often. I always renew my debts and start another debt.

But now the bank where I get my salary is only granting loans up to 60 times. Before I could take credit for up to 96 times.

Sell my car can pay off about 40 benefits the apartment at a discount. But still be left over 50 installments to pay and need the vehicle, because my mother is elderly, sick and need to take her to the hospital frequently.

Ronaldo Gotlib response *

You need a comprehensive assessment of your personal budget, in order not to extend this indebtedness situation.

It is necessary, first, separate your income (monthly income) expenditure (debt), so you can get an idea of the value that you can use to organize your financial life.

By law, you can not commit more than 30% of the income of the worker with credit. If this is occurring, you can seek justice in the suspension of discounts that exceed this percentage.

It's no use simply to dispose of assets without effective planning to overcome the debt.

After subtracting your expenses from income, and find the value that can be used to repay debt, you should check out the discounted shares outperform or not the 30% percentage of your net income. Then, should develop a strategy to pay off the debts.

Person sunk in accounts: Bank reduced the period for credit discount earnings and Internet user asks whether to sell assets to pay off debt
© Photo: Marcelo Spatafora / EXAME.com

Person sunk in accounts: Bank reduced the period for credit discount earnings and Internet user asks whether to sell assets to pay off debt
To succeed in this task, it is often important to seek the advice of a qualified professional.

* Ronaldo Gotlib is financial adviser and lawyer in the areas of Consumer Law and the Debtor. Author of "Debts? 'm Out! - A Guide to get you out of suffocation, "" Testament - How, where, how and why do "," Home Ownership or Own Cause - The truth about housing finance "," Legal Guide Borrower and the Borrower candidate, "and is responsible for the preparation of the Debtor Protection Statute and give lectures on financial education.

 

Source: Survey

Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typos. transparent image

This article was translated by an automatic translation system, and was therefore not reviewed by people.

Important:
The JurisWay site does not interfere in the work provided by doctrine, why only reflect the opinions, ideas and concepts of their authors.


  Subjects list
 
  Copyright (c) 2006-2009. JurisWay - All rights reserved.