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06/08/2017
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About Us | 06/06/2017 15:57
According to a lawyer specializing in collections, renegotiation with creditor companies is always possible; First task is to calculate the size of the debt
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The pace of economic activity, the loss of family income and high levels of unemployment are factors that may contribute to the growth of delinquency in the country. According to data from the Federation of Trade in Goods, Services and Tourism of the State of São Paulo ( FecomercioSP), the indebtedness has presented elevation. The survey pointed out that in April 2.04 million families were in debt and could probably renegotiate debts.
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According to lawyer Arthur Ongaro, of Corrêa, Ongaro, Sano Advogados Associados, the economic and political turbulence can make the financial situation of many families worse, causing delinquency in several sectors. "Although the demand for companies for collection services has increased, the possibility of negotiating with the lender is always possible," says the lawyer. With the rise of arrears, renegotiating debts with companies appears as a good alternative for the consumer.
After calculating the total value of the accounts, review how much you can pay to the lender after renegotiating debts
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The lawyer explains that in most situations, lenders have an interest in opening a negotiation with clients. "We do a client-awareness job that is due, proposing the best solution for both parties, and it is possible to extend the deadline for payment of the debt (resulting in smaller installments), in addition to the renegotiation of the debtor balance, for example," .
The tip is do not expect to be labeled "dirty" to renegotiate. According to the lawyer, the protest made by companies is a formal act that proves the default and non-fulfillment of an obligation generated in bonds or other debt documents. Thinking about who wants to renegotiate debts with a company, Ongaro has created a step by step to end disputes with companies. Check it:
1) Calculate the size of the debt
In many situations, the debtor believes he will not be able to resolve the issue with a company, but it is not. According to the lawyer, with planning this is possible, yes. The first step is to know the total value of the debts.
2) Analyze how much you can pay per month
After figuring out how much you owe, you need to restructure your finances by putting everything on paper. This analysis will let you know exactly how and when you will be able to make the proposal to the lender. When planning how much you can pay monthly for the company, remember to calculate contingency expenses, such as doctor, dentist, medicine, etc.
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3) Contact the company
After reaching a value that you will be able to pay for the agreement, contact the company, specifically the sector responsible for the negotiations. Clarify your situation and propose a payment plan, with installment and term. The ideal is to pay the portion with the highest amount that does not compromise your budget to pay the lowest total amount possible.
4) Negotiate term, arrears and interest
Try to compare the interest charged by the creditor companies with other credit options. If you have more than one open account, it is important to know the full amount due after renegotiating debts. This analysis serves to evaluate if the market offers some credit line with lower interest rates, since in some situations it is worth to contract a cheaper debt and settle all the rest.
Source: Economics - iG @ http://economia.ig.com.br/2017-06-06/renegociar-dividas-empresas.html
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.