Debt Renegotiation: Golden Tips at the Time of Negotiation

 

Debt renegotiation with is a well-known term of the indebted people, certainly because they must have already received some charge cards or letters with “debt renegotiation proposals” with friendly discounts. Just one question, are you wanting or thinking about paying your financial debts? This is a good time to contact your creditors of outstanding debts and who knows, start hitting some repayment proposals and get your name clean again to take advantage of bank credit and the retail trade.

If you’re thinking about it, the end of the year often leads to excessive spending for people, some spend all their money wildly, others save money, and some take the time to restore old friendships, such as the credit limit, overdraft, the credit card, not to mention the pre-approved loan. Now the companies should start contacting them to propose to the debtors the payment of their debts, simply because the 13th. salary, vacation money, bonuses, profit sharing etc., clearing the name to enter the new year can be a good one.

Clear your name ! Why clear the name , it’s restricted

The “basic principle of negotiating and renegotiating debts” is, never accept the first proposal they make for you, usually the rebates offered by the lender stands at around 40%, 50% and up to 60%, but … if you have a good conversation gives you up to 90% discount on debts.

The process is quite simple, the lender, who is outsourced in most cases, will eliminate interest, fines and surplus fees if any – but will the lender give you discounts just because you have a cute little face? No. To get special discounts the most important thing is to have arguments for this, so below you will know three golden rules for renegotiation .

 

Tax advantages

 

 Tax advantages

 

1 -) One detail that most people do not know is the fact that there is the fiscal year, especially for financial institutions, papers and unpaid bonds, that is, customer debts also enter into losses, that is, losses. In addition, their debt serves to reduce their income tax (IRPJ). Another important detail, it is normal for these debts to be sold to third parties because they have become “rotten”. Now you already know. The creditor is the original or third party, will want to receive. In debt renegotiation use this argument, after all your lender has already taken the tax advantage at your expense.

 

Cash payment

 

 Cash payment

 

2) A foolproof strategy for any renegotiation of debts is when the power is in your hands, the lender wants to receive, and receive fast, you want to pay, propose the payment in cash will certainly yield excellent discounts, mainly because the resources will be released immediately by you in the lender’s cashier. When you do the renegotiation of debts , always ask the creditor for the best proposal, if you think it is still unreasonable, say that you pay cash at X value, it usually works very well.

Avoiding process

 

Avoiding process

 

3 -) In a business relationship between creditor and debtor, everyone must fulfill their obligations, when one breaks this agreement, unpleasant consequences can happen, one of them are the extra and legal proceedings, the lender does not want to lose more money with you more than already then try to make it clear to the lender that you do not have to extend the matter to the courts, make a proposal to the lender (below your terms) to avoid further costs with court costs.

Renegotiation , Purchase of Loans and Purchase Debts

The most important thing in a debt renegotiation is to have the clarity of what you are doing, do not make proposals that you will not be able to sustain after, fail to pay a settlement worsens and a lot of the business relationship, then you will not be able to bargain any more.

Note: It is worth remembering that the lender of your debts has no obligation to offer discounts for you to pay or accept any of your proposals to give discounts, that part of the deal is a consensus. Do you have any more complex questions? Look for the PROCON of your city.

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