Can a bank forgive duty?

When issuing a loan agreement, the borrower assumes credit obligations. According to these loan obligations, the borrower takes a certain amount of money from the bank for a certain period, at percent. At the expiration of the period specified in the contract, the borrower undertakes to return the funds in full.

If the return of money has not happened, the bank will lose their money in essence. And this, as many understands, is absolutely unprofitable. And not only for banks, but also for everyone — except the borrower.

The forgiveness of debt from a legal point of view means termination of the obligations of the borrower in front of the bank. Since it is about the ownership of the bank, the bank has the right to dispose of debt obligations at its own discretion.

The decision to terminate the recovery from the debtor may decide both in bilateral and unilaterally. In the first case, a special agreement between the bank and the borrower will be issued. Unilaterally, the debtor simply comes a notice of disconnection. If you had guarantors under the contract, they also cease to be.

It all depends on the amount of your debt. The less the amount of debt, the greater the likelihood that the debt will be forgiven.

This is a very rare phenomenon! Bank capitalist and any ways will increase your capital! The bank is easier to give a task to the legal department to submit on you to court. And if there is no longer any options to receive funds back, then the debt will be forgiven and forgotten.

The best solution for the borrower. Here you should pay attention to mistakes in the work of JUR. Departments of the Bank.

Often, bank employees due to the large volume of debtors may simply forget about your business, and when it will be spoiled too late.

Bank in any case submits to the borrower to court, that’s just a question — whether the borrower has to return this debt. The case is already going to the hands of FSSP, the FSSP also applies to debtors on loans to the last place, as they have launched from debtors on alimony, criminal debtors and other things.

At the end of the term, the addition — reports that returning funds to any of the legitimate ways did not work.

It happens that the debtor has no property, nor income, no excesses. The case is also folded and closed.

There are not stupid people in the bank, and they again come to court and the whole process begins on a new one.

Sooner or later, the jar just get bored to spend money on costs and he will just forget about the debtor.

Sometimes it happens that the Bank submits to the court after the expiration of the statute of limitations, but then the borrower in free form reports this to the court and is actually exempted from obligations.

It may be an accident, age, disease — does not matter. With the death of the debtor, his debt is usually transmitted by inheritance. But, if the heirs did not have, or inherited property, or the heir refuses inheritance — the debt will be written off. After all, according to the current legislation, the debt is inherited only if heirs are there, and they are inherited.

It happens that it is much more profitable to enter into inheritance than to give it.

There are some tricks not to pay off credit even when entering into inheritance, therefore, before starting the process of entering the inheritance, it is necessary to consult with a competent lawyer.

A citizen can contact the bank independently. With a loss of legal capacity, or with the loss of the workplace. It is necessary to consult with a competent lawyer, and make a petition in the bank. The bank will consider your petition, and will decide. However, this method does not always lead to a forgiveness of debts.

It works very and very rarely, the responsibility for the forgiveness of the debt takes on leadership and employees.

This system has moved to us from the USA — where it is very good even works.

Banks with hunting go to the deal with the debtor, while the debtor introduces the minimum part of the debt and is a contract for which the bank simply reduces income tax.

The bank and the debtor remains, there are no problems later.

Another example of the USA:

Many banks simply arrange an amnesty themselves and just forgive annually part of debts to the population, it works as an advertising move that allows you to attract even more people for credit products.

But we are in Russia and it works with us on the contrary!

The procedure has its own pitfalls. If you want to legally write off your debts in front of the bank, you can seek this procedure. It is worth remembering that you should not have anything in our property — if any real estate or property will be seized in favor of the bank in the account of debt repayment. Also, bankruptcy is possible with the amount of debt over 500 thousand rubles.

However, we advise not to allow overdue payments, and in the event of unforeseen situations, to inform the Bank. We hope that our article was useful to you.

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