Debt Negotiation债务谈判

Debt Negotiation债务谈判
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Question问题

I need to know if this will really work.我要知道,如果这样是否可行. It makes me very nervous in not paying my bills so they can be negotiated.这使我很紧张,所以他们在票据拒付我可以谈. I talked to DEBTCO and I got very excited that I could be out of debt in 3 years but when I got the papers (contract) I felt a little uneasy.我和我谈过debtco得非常兴奋,我可以在3年内摆脱债务但当我得到的文件(合同)我感觉有点不自在. Should I be uneasy?难道我会放心? Should I think more about consolidation?我应该想想巩固? Please help me make the right choice.请帮助我作出正确的抉择. I really need help with my debt.我真的需要我帮助的债务. Thank you.谢谢. --Jackie--济

Answer答案

Jackie,济、

Thanks for writing!写作感谢!

I do not know all the details for DEBTCO however, I'm certainly familiar with negotiating for payoff terms with credit card banks.我不知道所有的细节debtco但是我当然熟悉洽商与信用卡支付银行.

It's been my experience that credit card banks will negotiate settlements with customers who are having trouble.这是我的经验,信用卡银行与客户协商定居点正在吃麻烦. And "having trouble" does include not being able to make their payments.而"麻烦"是否包括未能做出付款.

My impression is that you're a good money manager and can find a way to pay your bills by using your credit options.我的印象是,你可以找到一个好的经理和金钱的方式来支付你用你的信用票据期权. You don't want to be late because you know that would really hurt your credit history.你不想迟到,因为你知道你真的伤害信用历史. Worst of all, paying late may increase the cost of your outstanding balances if banks penalize you by raising your rates--not to mention all the late fees and other penalties.最坏的情况,逾期缴纳的费用可能增加你银行余额惩罚你如果你提高利率--更不用说所有已故的费用及其他处罚.

My guess is that they (DEBTCO) want you to stop paying so you'll fall into the category of being in trouble and, therefore, it will be much easier for them to settle your accounts.我的猜测是,他们(debtco)要你做,你就会停止支付属于被麻烦,因此,将大大方便他们结贵帐户. Even if they can settle your accounts for less, which is probably the case, the settlement will be reported in your credit history and will certainly not look pretty to future lenders.即使你只占定居,这也许是这样,定居点将会在您的信用报告,将历史与未来绝对不是漂亮放款.

Okay, so I've written a lot of words so far but really haven't reached a conclusion.没关系,我写了很多话,但真的至今没有定论. This is because there's always a trade off.这是因为都有过贸易. You can do what DEBTCO says and probably (not definitely) have them settle your accounts for less thus saving you money.你能做什么debtco说,他们可能已经解决(不肯定)你只占节省你的钱.

BUT you risk the consequences of not paying your bills on time which can be further-reaching than the penalties on the accounts you want to settle.危险的后果,但你不能按时支付你们法案可以进一步深入比惩罚你想要解决户口. Lately, many banks have changed their policies to include clauses that give them the right to raise your rates if you're late paying other creditors!近来许多银行已经改变其政策,包括条款权交给他们,如果你把你的税率缴纳逾期其他债权人!

Here's an example of that from my Citibank card: "If you default under any Citibank Card Agreement because you fail to make a payment to us or any other creditor when due, you exceed your credit line, or you make a payment to us that is not honored by your bank, we may increase the ANNUAL PERCENTAGE RATE (including any promotional rate) on all balances to a default rate of up to 24.99%."这里的一个例子,从我花旗银行牌:"如果你错失任何协议花旗卡付款,因为你不能让我们当债权人或任何其他原因,你超过你的信贷额度,或者你可以不付款给我们,你们纯阳银行我们可能每年增加的百分比率(包括任何推广率)余额为所有坏帐率高达24.99%."

What to do?怎么办?

I never want to tell people what they should do.我想告诉人们从来如何是好. Ultimately you should base your decision on what you have learned.你最终决定要根据你您所知. Speak with people that you trust to help you make our decision.与人说话,你要帮你的信任,使我们的决定.

However, I can tell you what I would do if I were in your position.不过,我可以告诉你,我会这样做如果我是你的位置.

I would call each bank that you want to settle with and ask to speak with their "settlement department."我想请你们每一行,并要求同定居发言与其"定居处" Tell them that you're going to be having trouble paying your bill and that you may even be considering bankruptcy (which you may have to sometime), but you want to find out your options for paying off the account in full if they reduce how much you need to pay to "settle" the account.告诉他们,你一定会产生麻烦你付帐单,甚至可以考虑破产(你可能要一段时间),但是你要找出你选择全额清偿账户如果你需要付出多大减少"收拾"户口. For example, if you owe $5,000, tell them that you can pay it off in full for $2,500.举例来说,如果你欠5000元,告诉他们,你能够付得起过足2,500元.

They may say that you must pay it off in ful,l or they may offer other payment plans or even reduce the interest rate to zero.他们会说,你必须支付它全长起飞,他们可以提供左旋或其它付款计划,甚至降低到零利率. They will need to be convinced that you really need help otherwise they won't consider settling the account for less than the outstanding balance.他们必须能相信你真的需要帮助,否则他们不会考虑解决的帐户余额不足.

Just make it clear to them that you'll be talking to a bankruptcy attorney to explore that option.只是让他们清楚,就会跟破产检察探索,选择. Tell the bank that if they can offer you something reasonable you'll work with the bank, or else you'll be forced to consider the bankruptcy option.银行告诉你一件事,如果他能提出合理的包包与银行否则就会被迫考虑破产方案.

What I'm suggesting is that you try to settle the accounts yourself first.我要提出的是,你们自己先尝试算帐. You may not be able to get better payoff numbers than DEBTCO but it's possible that you can.你可能无法得到更好的收益比数debtco但你可以播出. Also, you may be able to avoid the problem of not paying your accounts on time.同时,你能不能避免的问题,您帐户按时发放.

I'd be happy to look at your contract with DEBTCO and give you my opinion on what they're promising.我乐意看你们合同debtco给你我认为他们许诺什么. You can send it to me by email or fax to (609) 660-1412.你可以把它给我的电子邮件或传真(609)660-1412.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards, Scott问候,斯科特

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