Questions and answers

Question:

Greetings, I have a question concerning the bank and debt. We are overdrawn NIS 20,000, is our ceiling and we scrape it again every month. This month we deviate probably NIS 4000. We are trying to cut costs, but it is difficult because beyond the usual expenses we have a monthly payment of NIS 2,500 for two loans (from two different banks). Is there a way to reduce this expenditure? (Bank where the larger the loan was taken not ready to deploy it on more years and reduce the payback, even though we told them that we can not repay). I assume that the bank would give back a loan this month because of the exceptional and I really want to escape the cycle of loans of the bank. I’d love to get advice on how to deal pinpoint the problem today (we built a plan to exit overdrawn and it seems that we will meet it, but what do we do now)?

Answer:

The situation you describe the itching and even credit limit Bbvenk is unfortunately a situation well known and we hear him full of some families. As you know, there is no magic solution to the ‘quick fix’ to the problem, and it requires Treatment deeper. Probably the situation requires a significant reduction of expenses in tandem with efforts to increase revenue, and over time it will be possible to reduce the amount of excess credit and eventually level off. Banks as we know will be very glad to give you another loan at a time requested that these loans are getting rich so my recommendation is to avoid as much as possible taking another loan from the bank. About a given situation, I would recommend two things: 1. raise money from another source (such as a family or workplace), so you can cover a large part of overdrafts and it would allow you to pay a refund at least in the first period. 2. to immediately begin the process of accompaniment of bells. Through the website of the Bells (tab for assistance) you can find all the details.

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