{"id":8893,"date":"2014-07-11T06:11:49","date_gmt":"2014-07-11T06:11:49","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/le-surendettement-en-suisse-quelles-solutions\/"},"modified":"2020-04-03T13:24:40","modified_gmt":"2020-04-03T13:24:40","slug":"le-surendettement-en-suisse-quelles-solutions","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/le-surendettement-en-suisse-quelles-solutions\/","title":{"rendered":"Debt burden in Switzerland: which solution?"},"content":{"rendered":"<p><!--:fr--><\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_are_we_speaking_about_debt_burden\"><\/span>When are we speaking about debt burden?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>We are speaking of debt burden when a person is not able to pay is bills on time. Whether it is a bill linked: to a personal credit, a credit card repayment or even taxes. This situation often happens when there is a decrease in the income. In this case it is important to react quickly. Even more that solutions are existing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_personal_loan_a_solution_in_case_of_debt_burden\"><\/span>The personal loan: a solution in case of debt burden?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is common when it comes to debt burden to turn to a <a href=\"http:\/\/www.creditloan.ch\/personal-credit\" target=\"_blank\" rel=\"noopener\">persoanal credit<\/a>. Nevertheless, it is not necessary a good solution:<\/p>\n<ul>\n<li>Taking a personal credit is a short term solution and you will have to reimburse new debts.<\/li>\n<li>Getting a credit in debt burden situation is usually very difficult. Indeed, the banks don&#8217;t want to lend money to people who are not solvable, and the law don&#8217;t allow it as well.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"The_debt_consolidation_a_possible_solution\"><\/span>The debt consolidation: a possible solution.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The debt consolidation is a solution who consists of regrouping all the debts together in one personal loan. This solution can be effective because this one will come with lower monthly bill. Thanks to:<\/p>\n<ul>\n<li>A lower interest rate<\/li>\n<li>A repayment on a longer duration<\/li>\n<\/ul>\n<p>Nevertheless, you must keep in mind that a debt consolidation is generally considered like a consumer credit. Thus, people who already have prosecution or are late in their bills won&#8217;t be able to benefit from this service.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Other_solutions_in_case_of_debt_burden_call_on_a_specialist\"><\/span>Other solutions in case of debt burden: call on a specialist!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The better solution is sometimes to call on a specialist. The aim is to confide all your debts to an organism who will handle the repayment for you. This one will insure that you have enough money to live. More specifically, the organism will take care to optimize your financial situation:<\/p>\n<ul>\n<li>Subside request.<\/li>\n<li>Negociation towards the creditor.<\/li>\n<li>Reduction or removal of the exessiveness or useless charges.<\/li>\n<li>Preparations of the taxes declarations, control of the taxation.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"To_whom_adress_to\"><\/span>To whom adress to?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you have financial problem it is important to call on a specialist. This one will propose to you the most appropriate solution depending on your situation. Via <a href=\"http:\/\/prestaflex-service.ch\/en\/debt-relief\" target=\"_blank\" rel=\"noopener\">debt relief <\/a> it is easy to contact a professional on the field.<\/p>\n<p><!--:--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Which solution in case of debt burden in Switzerland? From personal credit to debt consolidation, towards which it is better to turn to? Our explanations.<\/p>\n","protected":false},"author":4,"featured_media":8888,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[257,252],"tags":[],"class_list":["post-8893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-repurchase","category-various"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8893","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=8893"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8893\/revisions"}],"predecessor-version":[{"id":8898,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8893\/revisions\/8898"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/8888"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=8893"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=8893"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=8893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}