Many people have found that initially small problems with timely repayment of loan installments change in a relatively short time into a spiral of debt. Real financial problems are starting to hamper normal functioning. Most often, we think that the credit loop nightmare is a temporary problem that we can handle without additional help.
However, sudden random events, such as an accident, illness or unexpected job loss, mean that people who have not accumulated sufficient savings take extra loans and short-term, often high-interest loans. It happens that we simply overestimate our financial capabilities and do not control the expenses and timely repayment of loan installments. To offset outstanding installments, we take additional loans and fall into the trap of further liabilities.
How to get out of the debt spiral?
The debt that lasts for years negatively affects not only the household budget, but also self-esteem. It hinders normal functioning, and in extreme cases leads to depression. Therefore, if the situation is serious and it seems impossible to get out of debt, we should use the help of an experienced financial advisor. When seeking help, the first steps in searching for a loan are usually directed to the bank and we count on a quick solution to the problem.
A bank employee is, however, obliged to analyze our financial possibilities. Therefore, he checks our history in the Credit Information Bureau, which contains all information about loans taken and other liabilities, delays in payment of installments or accumulated arrears. Such information significantly reduces our credit standing, as a result the bank refusesto grant a loan. However, even in this situation, there is a secure solution to the problem. We can obtain the necessary help by asking specialists in a reliable and proven financial institution.
Who can help me get out of debt?
An experienced employee will analyze our financial situation, taking into account all commitments and earning possibilities and will help find the best solution, which is an optimally tailored consolidation loan. An individual adviser will negotiate with the bank the best conditions for a new loan, even if we have a negative history in BIK.
In addition to professional financial analysis and negotiation of the terms of the consolidation loan, we guarantee the care of a credit advisor throughout the debt repayment period. If any doubts arise, the adviser provides professional advice, and in case of additional problems, helps adjust our finances to new circumstances and find the optimal solution to problems.