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HOW direct YOUR DEBTS: DEPARTMENT OF ESTIMATE FOR THE CONTROL OF DEBT (Based on the site www.geocities.com / dbtshw) of € ™ s of the authorâ   Creditors have been able to use you and your family at will for 60 days, at the same time, and then the storage or sell them to another auction as slaves!. Many in debt do not know avoid or ease the pain of innocence of the managementâ € debt | But accreditation that we need and that's a considerable problem to many who have no or little knowledge of the debt. The council on the problems over debt is often a source-specific, not ~ psychology of general use, politics, law, commerce, each recommended by its own perspective – in practice a need throughout the council on the basis of respect in dealing with debt. The following research to combine these ~ it is easy to learn how to manage debt, facing it and then avoid the debt and problems – here is how: — >> First, know this' and the â € helps to manage your debt and does not get it from panicoare leave if the debts are civilians causandolo "â € of anxiety there is under control debt. 1. Usually you can not be imprisoned for debts unless concealing funds – you can make a complaint to the police if the creditor snowstorm or says your employer… 2. Creditors can not buy back the goods that you bought on credit or loan – unless the purchase goods in installments of which remains unpaid still a part of it has generally specified by law, however… 3. If you think that the price is dedicated all'estorsione you can take the creditor in the court – if you can show so the court can reduce your debt and you have less… 4. Creditors must show that the aid in debt, in the payment of your debt was considered ~ accepts many small payments if normal realistic – some may freeze the interest on the debt… 5. If a lender sells your debt to a party of non-bona-fide you can choose not to care except the creditor 's own staff or lawyers than that debt… Indeed the creditor who has from such sales of your debt has lost the title to it, you can power legitimately believe your debt erased if you can show the party which was sold in order not to be a genuine party. 6. Debts up to the amounts specified by law can be arbitration to the courts, often at no cost – if you need to free legal representation can be available… 7. If you lose in court, repay the debt in time given by law protects you and keeps your estimate of credit to be granted from being adversely affected… 8. If you can not manage to repay a debt and worse comes to worse, you can ask the court to pay by instalments or, if you meet that you can direct the debt and continue with them, the lowest rate – if circumstances change or not you can direct the instalment that you can ask again to give him more time or to lower the rate more… 9. If you can not manage repayments and bailiffs debt get involved, can not legitimately be confiscated some essential elements – for example, beds, the adjustment, clothing, stoves, tables, chairs (or something that you need to continue earning your life)… (Also, watch from the administrative errors or secretarial are known to be in the form of the required fees of the bailiff and in the payment of seizure of goods for the "â € the amounts of that is, if an accreditation has paid more by additional instalment and the balance on credit was in short payment wrong.) 10. The credit agencies by law must provide details of your estimate of credit to be granted and if you are successful in control of your debt after a judgement against you and you have satisfied agencies estimate of credit must be given their correct annotations. (Read to do with the debt vary between countries and means "that of the â € contributes to ask) >> Secondly, do the following: If you have to allocate differently and fear that you can not manage to repay the debts as provided for, sure to contact your creditors for more time or to lower the rate. 1. Solve your administration of debt "of the â € net income begins with knowing what's coming in regularly… 2. Solve your essential outgoings – rent, mortgage, electricity, gas, food, Article toiletries, child care, telephone, prices, automobile, Britain fees TV, and the like… 3. Calculate your disposable income – what 's left for other things… 4. Trying not to overthrow your budget for the essential elements, see what you can offer those who… 5. Write to your creditors and explain your circumstances and the above and make a bid, for example, time-wise, or the instalment-wise copies of all letters, notes ~ keep payments – and where transmitted. (If brought to the court that will need to show all details above ~ if you can not select them, you may ask the District Court to do so for you – which is not failure but last-resort management is the court who is in charge of debt by you who regularly paid what the court decides – for all your creditors, so that the court only pay each creditor on your behalf) >> In the meantime, and later, you have to allocate, not able to enter the € of debtâ | do not want your house or valuables sold, nor your employer ordered to deduct from your ~ nor pay the concern, anxiety that affects your well-being. (A branch of humanistic psychology, actually, considering the financial well-being as an essential basis of a one 'perfect operation of s.) There is a sense avoid such risks… Change your habits money – this is not so difficult to do… If you often debts or problems Administration of debt, elenchili, seeking € of patternâ | You can be compulsive (The advertising of proof of A in an experiment by New York Times has offered the nothingâ € of the œ of the â € for $ 1. – - Many have responded, most of the money and sent them sorted). You can not be adequately aware money – the money go, you don 't know or of whereâ € | You may be insufficiently organized and neglect, by delaying and allowing repayments accrue (the rate in delay can add to every interest payable and may involve a charge), â € | You can be dictated by panic in debt ~ running a 'loan-sharks' and trying to manage and repay your debts by debts from loans from rimborsarsi, as ever paying the interest on them " €, with interest charged on interest equally and often amounting to several times what you borrowed. (If you happen to borrow, studies the possibility of uniting the loans ~ their cooperative credit are exempt from interest.) There is a psychological technique proven, tested and proven to help manage your debts and become debt in €-freeâ | ~ It's technical awareness of rewards is not difficult and does not work in control of your debts by overcoming the negativity that opposes changing your habits money. Keep a record daily what you spent, what remains, or if sprecaste could keep. Be aware, in particular, what you may retain but wasted – and haw waste accumulates and what adds a ~ it is important in debt load, changing habits of money (This, in experiments carried out, not only with the support of the group, but also the specific level alone was huge and popular as the ease of entering nell'abitudine it, success). Think of this: the constantly keep informed of your income and out-goings – the usual ~ it will enable it to manage your debts and make exempt from the problems and risks of debt in question in debt. This is all a technique administration prior administration as debt and essential. In addition, amplificherò your self-respect and pride and confidence to show you and those around you that you can be, are in charge of your business more money, better and easier. It is also fun ~ give it a try – provila. The author has a Web site to: http://www.geocities.com/eoa_uk

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