Personal experience: How long turn life into hell

Be in debt easier than ever: once is enough to miss a payment on the loan or pay off bills for utility services. Layfhaker talked with people who find themselves in this situation. Heroes honestly told what it is - to live with debt, communicate with collectors and to hide income from the government.

At the request of the names of characters in the article have been changed.

Table of contents

• History 1. Use credit cards, considering the bank's money for its
• History 2. Do not pay for housing and communal services, relying on debt relief
• History 3. Take credit for a wedding and did not pay, offended by the Bank
• What if there was one on one with the debts

History 1. Use credit cards, considering the bank's money for its

How it all began

I live and work in Samara. I have a good job in marketing and own a studio apartment. Have a daughter, she was seven years old, but I see it only on weekends, because my wife and I live separately.

While they were together, the debt arose. Family budget led his wife: planned costs, buy food and pay for utilities. Four years ago, we parted, and I began to conduct the budget itself.

According to the standards of the Samara I make good - 35 thousand rubles, but this money is nothing left at the end of the month, I have no savings and have debts on two credit cards and utilities. I think it happened because I humanities - I find it difficult to consider the costs and revenues, and even more so to do it all the time. I just go to the store and waste money.

How did the first credit card

first credit card I designed in 2015, when he began to live alone, without his wife. At that time, I had no need for money, but I wanted to make secure and to be able to pay for something unforeseen: unforeseen costs may occur at any time.

So it happened that soon I broke the phone, so needed a new one. Not really a fancy smart phone worth 8000 rubles, but the entire amount I have not typed: free money was 4000, so half the price I paid with a credit card.

To borrow from friends did not mind. I do not like to have to close people, it is better to pay the loan soulless.

Terms of the map were both on consumer credit: limit - 15 thousand rubles, the rate - 14% per annum. If gasish debt once interest is not dripping, but I do not succeed. I threw on the map a few thousand rubles a month. Part went to debt repayment, and some - on the interest.

What the money goes

smartphone purchase was a waste of the first map. Then I began to pay her small daily expenses: purchase in the supermarket, to pay the fare. I do sports, so some of the money goes to pay for a gym, sportpit, equipment. Every month I sent 5000 rubles to a daughter, and at the weekend went to see her in another city - this, too, the money goes.

For me all is normal to pay by credit card. So live the whole modern world, so do not see anything tragic.

At some point, I spent the entire limit - money on the map was not, but worry about that, I did not. I think that money should be treated philosophically as a go and come.

Every month I have to shower at stake 2.5 thousand rubles, the bank takes 900 rubles per cent, and the remaining money I can spend the next month. Sometimes I withhold wages, so I'm late with the payments.

In such cases, the bank calls: robot metallic voice says that you need to pay off the debt. The call usually comes in the morning instead of an alarm clock - not the most pleasant start to the day. I am glad that there are such calls only when I hold my payment, and call only once. The Bank does not get on your nerves, but simply reports the debt.

Where did the second credit card

Second, I was offered a credit card when you open a payroll card. I agreed and decided that it would be as a reserve in case of force majeure. But they happen on a schedule: the salary delay, then buy something necessary.

For example, I saw a Nike running shoes on sale or wanted smoked pink salmon in the store. In such situations, credit card and rescues: pulled out at any time and paid. With the money then we shall understand. The fear that I could not pay the debt, I have never been. On the contrary, I always look forward to additional earnings and bonuses: I am a good professional, so I can count on this.

According to a second credit card bank machine to withdraw money from payroll cards. In the month of about 900 rubles: 500 goes for debt, 400 - percent.

How did the debt for utility

When I went to live alone, do not pay attention to the receipt of payment - this usually takes a wife. I get them from the mailbox, and stacked, even reading. I thought I'd pay later, but for now rather buy something with the money. This went on for almost two years - during which time accumulated debt of 60 thousand rubles. I was lucky: the management company for some reason, no interest, and I just won an award, and repaid the full amount.

Then I start to accumulate debt again - and again about 60 thousand rubles for two years. I was hoping to receive the award and give everything, but it did not work this time. At some point, the management company posted a list of debtors at the door, and then I began to call with the requirement to pay - otherwise threatened to turn off the electricity.

As negotiations were held with the management company

The conversation with the management company has been hard: she insisted that I put out the debt of 10 thousand per month, but it was an impossible sum for me. Workers of the Criminal Code did not care, they need to knock out the money. But I decided to stand my ground: a sort of profession I can to talk tough, and my complexion and voice have the desired effect.

As a result, I got a meeting with a lawyer of the management company and explained his position: the duty to pay the ready, but 10 thousand a month is not found. We have made a new contract in which I give two years of debt: 2.5 thousand rubles a month. Since August of 2018, I do not miss payments for an apartment and pay a total of 6-7 thousand per month.

At first it was unpleasant to be given to each pay 2.5 thousand more, but I gradually got used to. Of course, every time you look at the money and think it would be for them to buy shoes, books or daughter bring to work the cake and drink tea with colleagues.

With the result that

Now my total debt for two credit cards is about 30 thousand rubles, the debt for utilities - 35 thousand. I closed travel abroadBut for me it is not a tragedy: I ​​do not intend to. Not willing to work to get more, but at this and so I am working very intensively. In our field of payment such as it is. Even if you want to earn more simply will not work.

How much I overpaid a year, I do not know and do not want to know.

The quality of life is not affected, and the rest is not important. I've never been embarrassed by their debts - this is normal, so many people live, including my friends, colleagues and friends.

I absolutely do not want to save money and I do not know how to do it. To accumulate the required amount and the debts on credit cards, I can not. It is necessary to observe payment discipline: lead tetradochku or application in your phone, but I do not like it.

I think that you need to live the present day. Tomorrow the brick falls on his head, and you do not have time to spend the money saved. How many times was, people hoarded, and then all of their savings devalued. And if you keep money in the bank, the bank may close - then their money will not get you too.

History 2. Do not pay for housing and communal services, relying on debt relief

How it all began

Seven years ago, there was a heavy situation in my family: dad received a disability and lost his job, and my mother was a housewife and had never worked. They have two children: my sister and I. We went to school and work until they could not.

Money almost was not: mom got a job, but her salary was just enough for food and daily expenses. The Pope was a disability pension, but it is completely left to the monthly payment on mortgage. On payment of communal money to do. This went on for about a year.

Then, the management company changed - our debt simply written off. Owed about 100 thousand rubles disappeared by itself.

By the time the money in the family better. My mother worked, my dad was a pension, and I went to university and started to work in sales. Therefore, when we changed the management company, we have to pay for housing and communal services without delinquency. We did not know about the history of the miraculous debt cancellation, neither I nor sister. We would so do not know if this does not happen again, only with the consequences.

How did the debt

In 2017, money was hard. Mom at work severely cut wages, and for communal there was nothing to pay on a monthly basis should have been given to more than 7000 rubles. Then the parents thought, "If it did not work to pay once, maybe try and second - suddenly the debt will be written off again?" But it did not happen.

Parents do not pay for utilities for over a year, and during that time we have accumulated a debt of 130 thousand rubles - the debts for communal services and capital repairs.

What happens if you do not pay for utilities

During the entire period, while their parents ignored payments, we did not touch, from the new management company had no letters, no calls, no threats to turn off the hot water, or sue.

Debt would have kopilsya if at some point I did not blocked bank cardOn which lay all the money - about 15 thousand rubles.

The first thing I thought then: "I am that robbed?"

But what happened to the cards mothers and sisters. father's card is not blocked because it comes on a disability pension - it can not block the law. At that time the parents and told us the history of the first debt and why did you decide not to pay the second.

We were shocked: We swept a mixture of panic, fear and misunderstanding of what is happening. No one explained what had happened and what blocked the card. I'm smart enough to go to the site of bailiffs: they can be of name and date of birth to verify debts.

By driving our data, we found that it is given to bailiffs. We have considered it without in the court, and we're at it do not even received a summons.

After I learned that everything what happens: people will not cause, in batches court approves the actions of municipal systems and gives the case to bailiffs.

How to repay debts

We were lucky: my dad had friends ushers in the district office, so our card unblocked, although the money from them, of course, was not returned. They were written off on account of debt. There was no exit.

At that time, we had to pay as soon as possible: the amount of debt each day penalties. When a small amount of the debt, such penalties weather do not.

But we had 130 thousand rubles, so the interest grew like a snowball: the year they have accumulated more than 25 thousand.

In addition to the debt needed to pay for the communal month - about 7000.

Repay the whole family three months: my sister and I attended the free visit and worked a full day. I'm in sales, the sister of the designer. In addition, I took a loan from a friend 100 thousand rubles. Thanks to this money, we so quickly paid off police officers and closed the story.

I gave a friend a debt with her sister: she is 10 thousand, I was 23. Council for three months. I had to save, but I do not deny yourself everything. Less went for a walk, do not buy new clothes, cosmetics and ceased save moneyI always do.

The most interesting thing is that as soon as we started to return the debt, began hassle: we started receiving letters with threats to turn off the hot water and drainage system, lock the account. We had to repeatedly go to the bailiffs, to show payment checks - either by phone or by e-mail can not solve anything. Even after three months, when we shut down the debt, we again had to go there with all the documents and prove that we do not have anything.

With the result that

It was the most unpleasant situation, such things should be monitored. If at some point you think you will cease to pay and everything will be no difference - yes, at some time and will. But then you have to quickly disentangle the situation, but if it does not - make their brains and nerves spend communicating with police officers. I do not see the point. On itself felt, it is better to pay monthly.

History 3. Take credit for a wedding and did not pay, offended by the Bank

How it all began

In autumn 2012 the guy made me an offer: Invite to the first nine months of our relationship in the restaurant and said he wanted to be together forever. We decided that married a year later, and began planning a wedding: the application filed in the registry office, booked the restaurant. Costs assumed the guy, but my grandmother believed that the dress and hairstyle, we have to pay themselves.

I started to watch a wedding dress - focused on the 30-40 thousand rubles. Any savings we did not have, so my grandmother insisted on credit. Her opinion was important for me because I grew up with it: my mother gave my sister and me on her education until she was earning us a living.

grandmother credit the bank did not approve, so she asked me to. I tried to argue: the wedding is still time, why rush? But she insisted. As a result, I took 90 thousand rubles in cash for five years (such a sum I approved the Bank) and gave all the money to the grandmother marriage - for safekeeping.

How did the debt

Monthly payment was small: 2 200 rubles. The first payment on the loan repaid grandmother, and then I began to pay. Sometimes mom helped with money. I then studied at the fourth year and has worked in the specialty (at the request of the heroine Layfhaker not disclose the scope of activities. - Approx. Ed.). Salary was 4700 rubles, but with all underworking came out 8-10 thousand per month.

In early summer, my grandmother became ill sharply. She was taken to the hospital, underwent emergency surgery, but it did not help: she died without leaving a coma. The house was in mourning, and we have to postpone the wedding for a year. When a little bit away, my mother offered to look for money.

Grandmother lived in her house, so of places to hide the money, it was a lot. We turned the whole house and found nothing.

It did not despair. My mother and I until recently thought that we will find the money: you never know where they put the older man. The search lasted about six months, but the money we have not found, and just accept that they are not. After the death of my grandmother, we learned that she had a lot of debts and their unclosed credit.

On the fifth year I started having problems with my studies, I worked and could not walk in pairs, so I began to threaten with expulsion. I had to temporarily leave, to graduate from the university. Credit was nothing to give. My mother did not have the extra money, and the guy refused to help, saying that he did not take the credit - not him and disentangle.

What happens if you do not pay the loan

I decided to explain the situation to the bank: called and told her story. That I have my grandmother died, and 90 thousand, which I took on credit, no one knows where. What time do I have no job and a few months, I can not pay the loan. I asked for a delay of payments, to which I was told that it was necessary to think of when they took the credit.

I was mad at the world and no longer just pay. Five years later, I can say that it was a great folly.

Now I would have done everything to find the money, but then there was nothing to pay, I was very dependent on the guy. Thinking only about the present, I need to learn, and wait for the debts. Fear that it will turn a much bigger problem, it was not. I take it too irresponsible.

A month went by the bank calls: staff frightened default interest and penalties. Yet six months later began to call collectors. They scared real things: explain that go penalty, which will bring an action, and describe the property to me, that will take away half the salary, and will be closed from leaving the country. Called often: every day several times, starting in the early morning. Collectors somehow managed to find the phone of my former job - for half a year, and they called back.

At some point, the calls stopped, and I received a summons to court. Nothing interesting on the court was not: I pleaded guilty, I was ordered to pay 122 thousand rubles and sent to the bailiffs to get the details for payment.

How is communication with bailiffs

It began hassle with police officers. Until they found it difficult to get there: I was registered at the grandmother in the house, therefore, belonged to the branch of bailiffs, 40 km from the city. The second problem - inconvenient office hours twice a week. The third - a huge queue.

Talk to the bailiffs turned out to be more complicated than with collectors.

I had to communicate with a formidable woman in the form of fat. She demanded to pay off half the debt, otherwise I will take away the property or will hold 50% of the salary. As I was later told, at the bailiffs have their KPIWhen a man came to him for the first time, it is necessary to put pressure on him, that he has paid as much as possible.

In this case, the employee did not give me relevant information - which is to transfer money. According to her, the court has not referred the case to their knowledge, so no details. I wrote some note with your data and those of relatives asked him to send payment details to the post office - that's it.

How threatened collectors

I did not have any property and official income, so the bailiffs had nothing to describe. The only thing that they have done - have blocked bank card with two thousand counts. Within three years after the trial, I tried to work informally and to hide income to the bailiffs could not write off half the salary for debt.

At some point, I again began to ring collectors: they were able to find my new phone number. The conversation was very hard, but legally competent. The girl turned out to be well put a rough voice. I tried to explain my situation: I have no details, I'm saving up duty, nothing to call me. She explained that I could take away property, salary.

It is not directly threatened, but hinted that I was afraid of physical violence. The meaning of the words was this: "Walk through the streets and look back."

She said that my business will transfer to another collection agency - and then I would definitely not be good. I picked up the phone only once, and then simply blocked all calls - it turned 150 rooms on the blacklist.

With the result that

After the trial, four years have passed, but from the moment I took the credit, six. The wedding did not take place, the guy we have left and do not communicate anymore. The loan has nothing to do with it: to understand that we are different people, and ultimately still would have divorced. Point in relations became my dog ​​when he beat her, I packed up and went to her mother. Then it all came back: he got into some pyramid and went bankrupt. Now he blamed polzarplaty for debt.

I did not give my duty. Trying to save money to the bailiffs to carry the entire amount, but found a good use of money: changed four smartphone, made repairs, I bought a fur coat, household appliances, to go on vacation.

I do not regret that I spent money saved, but it is a pity the nerves and the fact that I was so framed his youth. Fault in everything I myself: was irresponsible and financially illiterate. Now I do not advise anyone to take credit for themselves or loved ones - it is better to save.

I want to repay the debt, and I can give 3-4 thousand a month, but I still do not have details for payment. I still can not go abroad and take out loans in the bank, but it's for the better: I have learned to save up for things.

What if you were one on one with debts

1. Do not panic and do not hide from the bank

In life there are different situations: you quit, get sick, break a leg. You have temporarily no money, but that's not the end of the world. Do not change the phone number and answer calls to the bank. If hiding, credit history will get worse, and the bank will give your business the collectors. The next stage - the court and bailiffs.

2. Do not take a new loan to pay off old

This is a serious error - to get into new debt to pay old ones. As a rule, people are taking a new loan in a hurry, so the terms have a disadvantage: a high percentage and a large overpayment. When come to your senses, you will realize that made matters worse.

3. Try to negotiate with the bank

Call the bank and explain the situation:

• If in the near time the money will be asked to provide a new payment schedule.
• If the money will not be for several months, ask for a postponement.
• In an extreme case, arrange a debt restructuring - then the bank will revise the terms of the loan and will make a new contract. The monthly payment will be less, but the payment is longer.

4. Tell the truth

Do not promise to pay the bank tomorrow, if in fact can not do that. In this way you reduce the confidence. It is better to be honest, that is not able to pay for several months, and scan documents proving your position: a hospital, doctor's certificate, an order to reduce the death certificate close relatives.

5. Pay as much as you can

Do not start the debt and pay the least feasible amount. If you have multiple debts, ask them to consolidate - to gather into one. Then, instead of several payments to one general. In an extreme case, to sell part of the property: the car, large household appliances, jewelry. Tell the bank that are going to sell the mortgaged property - this will stop them from transmitting the collectors of the case or the court.

Share this article on social networks and throw off your friends every time they want to take credit for the new iPhone, or think they can with impunity does not pay for utilities. The life of any of them can be a nightmare.