早前向恆生銀行借左幾筆貸款再加上信用卡數因屋企有特發問題~拖欠了幾個月。
連最低還款額都無交。昨天有追數公司打電話和上門追數。全部數加埋四萬蚊
今日打左電話上去追數公司~想問下有無其他還款方式或者可否分期還
但距地話5得~一定要全數一次清。但屋企人都幫5到.父親還有病需要長期睇醫生
無辦法一次過清還咁多。而且因私人理由剛轉新工~月薪12000左右。但最快都要一個月后才有糧。
1.追數公司上門~如果避見~會否有其他更嚴重的追數方式？
2.如果無法避見。被當面發現。距地會做D咩？會否影響人身安全？
3.打去追數公司無得傾分期~咁可否打翻去銀行傾？
4.債務重組是什麼？可否幫到我？如果可以申請~係同翻銀行申請還是其他渠道？
5.還有沒有其他可行方法~除破產同再向其他人借錢還債？
欠銀行錢無還，現在交左俾追數公司，可以點做
2015-02-26 6:54 am
回答 (3)
2015-02-26 9:14 pm
✔ 最佳答案
1.追數公司上門~如果避見~會否有其他更嚴重的追數方式？可以備案先.
2.如果無法避見。被當面發現。距地會做D咩？會否影響人身安全？
香港是法治地方, 你是向銀行借錢, 不是財務公司.
3.打去追數公司無得傾分期~咁可否打翻去銀行傾？
你不用致電追數公司, 直接問銀行是否交財務公司, 同銀行對質.
4.債務重組是什麼？可否幫到我？如果可以申請~係同翻銀行申請還是其他渠道？
債務重組可以幫你的, 但你要找間可信賴的, 他們會幫你同銀行講數, 但要支付手續費.
5.還有沒有其他可行方法~除破產同再向其他人借錢還債？
有其他銀行借給你, 當然最好, 你無償還幾期, 信貸資料庫紀錄不良, 未必有銀行肯借給你.
你可以選擇債務舒緩, 將卡數變為定息定額, 要同銀行傾, 只是減輕你每月還款.
火露兒
2015-02-26 10:10 pm
1. No. Banks do not want to associate with collection companies with legal issues.
2. Ask you to pay. They can't and they won't (although they may sound scaring you).
3. Practically no. In theory, you can go whatever you want. In fact, if the bank want to discuss with you, why does the bank have to send this to collection?
4. Simple - debt consolidation. No. Others (it is your money and time to waste).
5. Scare the collection company back - if you threaten the company that you will file for bankruptcy, they may back down and offer a solution to you.
Remember - all the company wants is money.
2. Ask you to pay. They can't and they won't (although they may sound scaring you).
3. Practically no. In theory, you can go whatever you want. In fact, if the bank want to discuss with you, why does the bank have to send this to collection?
4. Simple - debt consolidation. No. Others (it is your money and time to waste).
5. Scare the collection company back - if you threaten the company that you will file for bankruptcy, they may back down and offer a solution to you.
Remember - all the company wants is money.
2015-02-26 8:55 pm
債務重組先，自己SEARCH下
收錄日期: 2021-04-15 18:20:49
原文連結 [永久失效]:
https://hk.answers.yahoo.com/question/index?qid=20150225000051KK00130