Debt pit

For the last decade has seen a real credit boom: increased volumes of consumer lending increased the number of users of credit cards, purchase on credit of a car or an apartment has become the norm. The world financial crisis turned growth of distressed borrowers. Those who regularly make payments on the loans, suddenly found themselves insolvent. In most cases, this force-majeure circumstances: reduction of income, loss of jobs, the elimination of their own business, long-term disability or a disability. The debtor would be glad to return to duty, but cannot do so because of the crisis lost their source of income. The amount of the debt and the penalty interest on the loan monthly increase, and in the life of the debtors appear annoying officers to return the debt - collectors. The banks do not profitable to apply to a court due to the length of proceedings, so they all means seek to induce the debtor to pay. However, in Russia, the collection of debts as a civilized kind of activity is only being formed. Collection business is perceived as a gangster, and, unfortunately, this is not enough evidence. After all, the law on collection activities does not exist yet.
With the rise of lending in Russia has grown as well and fraudulent activities. Please in the network of deceivers and become the debtor of the Bank is very simple.
Not to get into debt hole must be legally competent person, at least have a General idea of lending, know their rights and duties.