Clipping of news on Brazilian Culture, Law and Citizenship
04/18/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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By Ana Lis Soares - iG São Paulo
With interest almost 440% a.a, is the ideal escape card debt. But if it did not pay for, get ready to negotiate
It may be tempting to go spending without thinking, but beware! Avoid debt card bill
It is rare to find a person who does not have at least one credit card in your wallet, because it makes the payment easier, secure and comfortable. A poll by PwC in early March this year showed that 78.5% of Brazilians said that the credit card is the most used payment option, ahead of money and debit card. But care for the payment of invoices must be redoubled, since the interest can reach 439.5%% per annum. However, if there were any unexpected and you have failed to pay an invoice, may arise the question of how to solve the problem.
For this, we gather important tips for debt renegotiation. The first? Do not be ashamed or afraid to seek your lender: it has as much interest to pay as much as you.
"Dialogue is the basis of any kind of relationship, be it personal, professional or commercial. The managers have no interest in losing the customer, and he also has no interest in running out a service that can assist you when needed. So for that debt does not turn a snowball, and consumers continue to have a headache, the most appropriate is to look for the credit card company to renegotiate it, "advises the Director of Marketing and Relationship of Sorocred, Wilson Fair.
1. Place the bills on paper
At this point, it is very important that you make sure all the money he has: the gains with discounts, as add other accounts and, finally, as has available for the payment of this debt. After all, to start a negotiation, you must know your base and your ceiling.
2. Seek personally renegotiate
If possible, give away the phone and seek to renegotiate the debt personally. "If you just call, you will probably find an attendant who will insist on payment of the minimum amount of the invoice, which is a financial suicide, because, this way, will be feeding a monster that has no stopping. Ideally, look for a credit card company or speak to an individual manager from your bank, "says Dori Boucault, financial advisor specialist in consumer rights.
According to the consultant, telephone attendants are less flexible to renegotiate, insisting on values "astronomical."
3. Require the Total Effective Cost (CET) card debt
It is your right to ask the so-called Cost Effective Total Debt, which it will no longer aware of the value you really will be charged: total with interest charges, fees and taxes. This way you do not run the risk of deceiving and accept an offer that can not pay (will seem smaller than it is).
4. Only accept a proposal that is feasible
Otherwise, even if you can afford one or two installments, you may find difficult hands forward and falling into another debt, which will be even worse.
5. Is not satisfied with the negotiation? Continue to
Remember that both parties - you and the manager - have an interest in resolving the impasse debt. So it pays to invest in dialogue and continue trading until it is interesting to you.
6. It's a deal? Requires fixed payments
If you reached a point of understanding with the manager, close the deal with a document in the record, very clearly, that payment will be made with fixed payments - which ensures you escape plots that increase over time.
"This is very important. One should only sign a document with this condition. She must escape paying the rotary, "said Dori.
7. Look for cheaper forms of payment
Of course, the ideal is that you can pay the debt with their money after making a good negotiation. However, the choice for a loan with lower than credit card interest, such as payroll loans, for example, may be advisable. There are card issuers also offer this service and it is a decision to be researched and considered.
8. Seek Justice
If all else fails and negotiation to reach an interesting agreement, an exit is to seek justice: who knows, through the judiciary, you can not reach a possible value to be paid?
Finally, if you are in the creditor situation, but still feels insecure to begin a debt negotiation, experts consulted by iG advise the search for professional help such as lawyers and accountants who can guide you in the best possible way. "The important thing is to resolve the issue, run away to be relapsing and defaulter," concludes Dori.
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.