There are many ways to get rid of debt offered on the market, some offer options for bailouts, cash swipes, etc. Of course the most effective solution is to follow a debt management program provided by a debt management company. This method is proven to free customers from debt problems in accordance with the agreement with the bank, and far from the word fraud. The debt management program itself can be obtained through companies that provide related programs.
Why is it better to use a debt management program?
There are several reasons that can convince why using a debt management program can be the best solution as a way to be free from debt. First, clients are usually educated to pay off debt, without leaving it without responsibility. Therefore, usually there will be a change or installment system that is changed, which is adjusted so that the customer can still pay off the debt regularly until it is paid off and is responsible for the relief that has been given
Second, the debt management program is usually agreed upon by the bank. So, this program is not an unclear program, which aims to harm the client. Basically the bank is also very supportive if you have good faith to pay off debt, therefore usually experienced negotiators from the debt management program company will convince the bank, in order to get the best program for customers. So, customers can pay off their debts with relief.
Third, debt management programs that are usually handled by experienced consultants. Consultants like this can help you in developing the best strategy in dealing with debt, especially if you have multiple credit card or KTA debt problems at once. Consultants can provide the best advice, about how the funds are allocated and which debt problems must be resolved first. Professional consultants like this can also help you overcome debt problems, so you can focus on finding funds to increase income, so that the remaining arrears can be quickly paid off and can be paid off.
There is no need to use a debt management program, because my debt will be clean myself.
In fact, the debt will never disappear by itself if it is not repaid by the customer concerned. Your name will be automatically recorded in the OJK SLIK system, and will still be recorded if the debt is not repaid. So even for ten years, your name will still be listed on the OJK SLIK blacklist . Therefore, the only way is to pay off the debt, request a full letter from the bank, and make sure that the bank where you are in arrears has updated the data to SLIK OJK so that your name returns clean.
Debt management programs are no different from fraud.
When looking for solutions to resolve debt, of course there are many things that must be considered, including whether this is in the form of fraud that can further harm you, and even does not solve the problem. Therefore, when choosing a debt management program provider there are many things that must be considered. Companies with debt management programs usually have clear programs, because they are based on the results of negotiations with the bank. Furthermore, the entire payment process is also paid directly to the bank, without going through the debt management company at all. Therefore, it also requires awareness from the customer side to understand the differences in companies that are truly trustworthy, and which ones cannot be trusted.
There’s no way I can get a free discount from a bank. What is the basis?
Discounts obtained based on the program that was successfully obtained by the company that provides a debt management program through negotiations with the bank. This program is not taken for granted, because it has to go through a negotiation process, besides that the bank also has several separate provisions to determine what kind of customers are eligible for a relief program. So, once again usually the discounts obtained are also already based on bank provisions and negotiations from the debt management program company.
The debt management program only costs me a lot
Not at all, in fact you can save more by following a debt management program. However, there are some provisions that must be fulfilled, for example the DP that must be paid, or the regular payment of installments agreed upon with the bank. If only the customer is lost to default or fails to make payments on time, it is not impossible that the program will be paid and make the customer have to pay as before.
In addition, companies that provide their own debt management programs usually provide service fees. Remember to recalculate. Normally, a good debt management program company does not take service fees based on the size of the debt and ask for costs up front, but is based on the success of the negotiations as well as the large savings saved by the client.
The debt management program only plays a debt without paying it off
Not at all, it is precisely with this program that you can be free from debt faster, there is a vision to be targeted and there is a definite time target to help you focus on paying off all debts. Another case if you continue to make payments with a minimum payment . The customer must continually make credit card bills with a minimum payment for years if you want to pay it off. Not to mention, when you want to focus on paying off your credit card bills with minimum payment , you also cannot use the credit card for attractive promos that should be able to provide benefits. The more cards are used, then it will only burden you to pay off the remaining debt that is still running.
So, where can I get a debt management program from a trusted company?
As mentioned at the beginning of the article, programs like this can usually be obtained from debt management companies, which have experienced consultants. One of them is Hardy Boys.
Hardy Boys international is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Hardy Boys Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Hardy Boys Indonesia headquarters was established in Jakarta in 2015 by a founding team that has collective experience in finance including debt settlement for more than two decades. Hardy Boys made Indonesia the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Hardy Boys Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).