Πώς ένα πρόγραμμα διαχείρισης του χρέους εργασίας?


Μπορείτε να καταθέσετε χρήματα κάθε μήνα με την οργάνωση πιστωτική παροχή συμβουλών. Ο οργανισμός χρησιμοποιεί τις καταθέσεις σας για να πληρώσετε τα ακάλυπά χρέη σας, όπως λογαριασμούς πιστωτικών καρτών, φοιτητικά δάνεια, και τους ιατρικούς λογαριασμούς, according to a payment schedule the counselor develops with you and your creditors. Οι πιστωτές σας μπορούν να συμφωνήσουν να μειώσουν τα επιτόκια σας και να παραιτηθούν από ορισμένα τέλη, αλλά ελέγξτε με όλους τους πιστωτές σας για να είστε σίγουροι ότι θα προσφέρουν τις παραχωρήσεις που ένας οργανισμός πιστωτική παροχή συμβουλών περιγράφει σας.

Ένα επιτυχημένο σχέδιο διαχείρισης χρέους (DMP) απαιτεί από εσάς να κάνετε τακτικά, έγκαιρες πληρωμές, και θα μπορούσε να 48 μήνα ή περισσότερο για να ολοκληρωθεί. Ask the credit counselor to estimate how long it will take for you to complete the plan. You also may have to agree not to apply for — or use — any additional credit while you’re participating in the plan.

Είναι ένα DMP κατάλληλο για σας?

Εκτός από τις ήδη αναφερόμενες ερωτήσεις, here are some other important ones to ask if you’re considering enrolling in a DMP.

Is a DMP the only option you can give me? Will you provide me with on-going budgeting advice, regardless of whether I enroll in a DMP? If an organization offers only DMPs, find another credit counseling organization that also will help you create a budget and teach you money management skills.

How does your DMP work? How will you make sure that all my creditors will be paid by the applicable due dates and in the correct billing cycle? If a DMP is appropriate, sign up for one that allows all your creditors to be paid before your payment due dates and within the correct billing cycle.

Πώς είναι το ποσό της ενίσχυσης καθορίζεται μου? Τι θα συμβεί αν η ποσότητα είναι περισσότερο από ό, τι μπορείτε να αντέξετε οικονομικά? Don’t sign up for a DMP if you can’t afford the monthly payment.

How often can I get status reports on my accounts? Can I get access to my accounts online or by phone? Make sure that the organization you sign up with is willing to provide regular, detailed statements about your account.

Can you get my creditors to lower or eliminate interest and finance charges, ή να παραιτηθούν τέλη εκπρόθεσμης? Εάν ναι, επικοινωνήστε με τους πιστωτές σας για να ελέγξει αυτό, και να τους ρωτήσω πόσο καιρό θα πρέπει να είναι σχετικά με το σχέδιο πριν την έναρξη των παροχών σε.

Ποια χρέη δεν περιλαμβάνονται στο DMP? This is important because you’ll have to pay those bills on your own.

Do I have to make any payments to my creditors before they will accept the proposed payment plan? Some creditors require a payment to the credit counselor before accepting you into a DMP. If a credit counselor tells you this is so, call your creditors to verify this information before you send money to the credit counseling agency.

How will enrolling in a DMP affect my credit? Beware of any organization that tells you it can remove accurate negative information from your credit report. Legally, it can’t be done. Accurate negative information may stay on your credit report for up to seven years.

Can you get my creditors to “re-age” my accounts — that is, to make my accounts current? If so, how many payments will I have to make before my creditors will do so? Even if your accounts are “re-aged,” negative information from past delinquencies or late payments will remain on your credit report.

How to Make a DMP Work for You

The following steps will help you benefit from a DMP, and avoid falling further into debt.

Continue to pay your bills until the plan has been approved by your creditors. If you stop making payments before your creditors have accepted you into a plan, you’ll face late fees, penalties, and negative entries on your credit report.

Contact your creditors and confirm that they have accepted the proposed plan before you send any payments to the credit counseling organization for your DMP.

Make sure the organization’s payment schedule allows your debts to be paid before they are due each month. Πληρώνοντας για την ώρα θα σας βοηθήσει να αποφύγετε τις πρόσφατες αμοιβές και τις κυρώσεις. Call each of your creditors on the first of every month to make sure the agency has paid them on time.

Επανεξέταση μηνιαίες δηλώσεις από τους πιστωτές σας για να βεβαιωθείτε ότι έχουν λάβει τις πληρωμές σας.

If your debt management plan depends on your creditors agreeing to lower or eliminate interest and finance charges, ή να παραιτηθούν τέλη εκπρόθεσμης, make sure these concessions are reflected on your statements.