What should be the outlining of debt repayment. How to pay all debts debt repayment order

Do you have a lot of debt? Do you want to pay a debt and feel free? Do you think it's difficult to pay all the debts or even impossible? This article will tell you how to develop a strategy to repay debts and how to manage them.

Steps

Part 1

• Debts on credit cards, car loans and mortgage make up the basis of the debts of most people. Agudit these debts to determine the overall value of your debt.

1. Arrange debts by the degree of importance. First, determine the loans with the highest interest rates.

   • The outstanding loan with a high interest rate increases much faster than other loans. Therefore, you must first focus on repaying a loan with a high interest rate; Otherwise, you will be harder to pay it.

2. Develop a debt repayment plan. Think and find the most effective way to repay your loans.

   • If interest on one of the loans is higher than others, pay this loan first. For other debt debts, pay the minimum possible amounts. In the financial sphere, this is called "to build a staircase", which allows you to most effectively manage debts.
   • If the interest rates of your loans are about the same, first extinguish the smallest loan ("inverted staircase"). This will allow you to reduce the total number of debts and believe that you are able to get rid of them.

3. . Having learned to spend less and postpone more, you can pay with debts faster.

   • Cut the cost of food. Do not eat in cafes and restaurants, buy cheap products and learn how to cook big dishes. And remember that the domestic food is much more useful than food in fast food restaurants.
   • Cut the costs of entertainment. Do you need cable television? Do you have to visit nightclubs and restaurants? Find the ways of cheap pastime.

4. Direct additional income on debt payment. Earned more than usual this week? You can go to a nightclub or pay part of the debt. Have you received a premium? You can buy a bunch of gifts or make a loan payment. If you want to get rid of the burden of debts, be stirger with yourself. Do not allow yourself to spend money on what you are not particularly needed.

   Sewing money. If your income exceeds expenses, make savings in case of an emergency emergency situations and other expenses that can enjoy you in debt.

   • Come up with the goal of creating savings. Even if it is just a few thousand rubles, you will learn to save money, rather than spend them in vain. Get the habit of making savings, and not spend money.

5. If you have the right to return taxes, use them and send the funds received for debts. Do not think that you will hurt by returning taxes, but even this money will allow you to reduce the debt burden.

Part 3.

Change your behavior. If you want to free yourself from the debt burden, do not waste money for insignificant things and do not buy what you can not afford. If you can't pay for something in cash, you do not need it.

• Being free from debt does not mean being a soul. If you want to spend some money, do it. But make sure your expenses do not exceed your income and that you will not get into the next debts.

1. Make savings. With each salary, postpone money on the necessary (food, utility bills, and the like) and other expenses, and make savings from the remaining funds. It is important that you have the opportunity to buy what you want without climbing into debts.

   Live for funds. Many people fit into debts because they think that they deserve a certain quality of life (status). They buy expensive cars, jewelry and drive on expensive resorts, and then all their lives will pay debts. Learn to be content with what you have. Think about what you live on your own means and that you should not give to someone them part.

   Enter a healthy lifestyle. Debts for treatment can shake the financial condition of even quite secured people. Well refers and exercise to avoid debts for expensive treatment.

   • Buy medical insurance to protect yourself from excessive spending for treatment.

2. Paying with debts, do not accumulate them. If you want to buy something, take a loan and start repaying it without delay. Paying debt, you can take another loan (but not before!).

• Avoid credit cards! Seriously! The easiest way to avoid debts is never to buy anything on credit. If you are absolutely convinced that you need a credit card (to "help" earn a credit history), use the card only for those purchases that you could buy and without a credit card on the funds available to you. Every month pay the full amount by credit card. Do not leave any unpaid residue to which interest will be accrued, and in no case allow the delay in payments, for which you will contribute to you. All these costs are absolutely unnecessary. So you can earn a good credit history without debts.
• Cook at home. You can save on food and eat more healthy food.
• Wash as little as possible.
• Use discount coupons and buy about the reserve (when you see some of the main products for sale) to meet the budget.
• Make up cost budget. Plan in advance how you are going to spend your salary.
• Find a hobby that does not require money.
• Sewing about the reserve, find additional sources of income and try not to spend more than you earn. This will help you quickly get rid of debts.
• Buy things a limited time of use (sports equipment, home and leisure goods, school supplies) and those of which your children will grow rapidly through the bulletin boards. You can also find ads for the exchange of similar things.
• To spend less on gasoline, walk, ride a bike or skateboard.

Warnings

• Do not give in the illusion that exposing your secure lifestyle in young years, you can become richer and find secured friends. No one is doing to your acquisitions, and if it is important to them, they themselves are insecure. If you like beautiful things, buy those that you really need, and pay in cash.

Repayment of debt on the executive document - This is a voluntary or compulsory execution of the requirements within the framework of enforcement proceedings. The debtor is entitled and obliged to extinguish his duty on a voluntary basis. This establishes a certain period, which, as a general rule, does not exceed 1 - 5 days from the date of obtaining a decision on the initiation of enforcement proceedings or from the date of receipt by the debtor, a copy of the executive document. If the requirement is not executed or cannot be executed on a voluntary basis, firstly, the debtor imposes an additional obligation to pay the executive collection, and, secondly, the entire arsenal of available measures forced execution can be applied to it.

The procedure for voluntary repayment of debt and the process of compulsory recovery is governed by the Enforcement Act. The law is used both in the situation of debt collection of the Russian Federation (bailters) and in cases of direct presentation of the executive list of the recoverer to the Contractor.

Voluntary repayment of debt

The debtor can repay the arrears of the executive list both during the period set for this purpose and within the framework of forced recovery. In the first case, it will not be charged for the payment of the executive collection, measures of impact will not and apply. In the second case, voluntary repayment of debt allows you to complete enforcement and remove all prohibitions and restrictions related to forced recovery.

If the debtor has a desire to pay off the debt voluntarily, but there is no possibility to do it immediately and in full to avoid the arrest and sales of property or other impact measures, it is necessary to resolve the issue of a deferment or installment of the requirements.

This is done by appealing to the court, which made the act, which takes place, or to the court at the place of implementation of the enforcement proceedings. In addition, you can contact the appropriate statement to the contracting executor, and he, if he deems the request for reasonable, will independently prepare a submission to court.

In general, when the debtor shows interest and activity in the matter of repayment of debt, and bailiffs, and the courts are inclined to make concessions. But installments or postponement will not provide just like that, only because it is necessary for the debtor. It is necessary to justify the request for respectful reasons, for example, a complex material situation that is temporary, a disease, large expenditures related to treatment, and the like. In addition, the debtor must justify the period for which he asks a deferment, or the proposed installment regime.

Forced recovery begins if the debtor was unable to repay the debt during the period for voluntary fulfillment of the obligation. The only thing that can move the time for the introduction of restrictive, prohibitive measures, implementing the property to or suspend the procedure is to establish a delay or installment.

Forcibly debt is repaid in different ways. It all depends on the features of debt, a court decision on it, awarded or established procedure for the execution of the executive document and other circumstances of the case.

Main options:

1. If the debtor has bank accounts and cash on them, as well as upon receipt of income to accounts, the direct performer can be a bank. In this case, the credit institution proceeds to execute after receiving the executive document or from bailiffs or from the lender. Under certain conditions, the Bank may be simultaneously a lender, and the Contractor.
2. If the debtor works, the executive list can be directed to direct execution at the place of work. Debtors-pensioners debt charges due to the deduction of a certain percentage of pension. Direct performer - PFR. Appeal for salaries, pension and other income is possible only in three cases:
3. repayment of debt - payment of periodic payments, for example, alimony;
4. it is necessary to recover a debt of up to 10 thousand rubles;
5. the debtor has no cash and property to pay off the debt in full.
6. In the situation of the lack of income in the debtor, with a large amount of debt, which cannot be repayed by periodic payments, in other situations, when the debt can not be recovered in full, bailiffs make a decision on the arrest of property and cash of the debtor. In the future, property is sold with bidding.
7. If there is no property, and incomes, at the expense of which there may be a penalty, the debt is actually "freezing." Periodically, the bailiffs will check the appearance of the assets in the debtor, the place of work or other sources of income. The result can be the end of production and the return of the executive document to the recoverer due to the impossibility of execution. True, it does not deprive the lender of the right to reverse, which entails the re-launch of the entire procedure.

The deadlines for the execution of the executive list by bailiffs in practice are very seriously varying in time. The fact is that only the actual execution can speak about performance, which is not always possible. As a result, many cases last for years are suspended, ends, renew again. And here, either the recovere will not want to wait and no longer insist on the continuation of the process, or the debtor will return the debt, or gradually contributes to all debt.

Standard forced recovery on the executive leaf (enforcement proceedings) lasts 2 months. The executive document or law may establish a different period of execution of the requirement. The suspension of production, installments and delay, the deposition of executive actions is not included on time. Therefore, enforcement proceedings can last for years, as well as the actual recovery of debt.