If you have applied for a loan with a known financial institution, family, or friends, who then can not pay, is key to take a responsible attitude and do not run or hide.
To not escape debts:
1. Take stock of your financial situation and review what types of situations prevented him from fulfilling the commitment to return the loan. The payment of debts should be a priority in all financial budget.
2. Remove the probable fears visit or call your creditors to explain the situation which led to not being able to fulfill them.
3. If the breach is with a bank approach it to negotiate payment alternatives that allow them not to fail with the obligation, is best done before the expiration date of payment.
4. noncompliance with family and friends is usually easier, but also to communicate them in advance to avoid situations more problematic. It is important to speak with sincerity and commitment to acquire partial or full payment with a specified date according to your financial situation.
5. In any negotiation scenarios to arrive both individuals and entities, try to stick and choose the payment method that suits you according to your personal or family budget.
6. Under no circumstances access to informal loans known as "trickle down" to fund their other debts because they are more expensive.
7. Never take the decision to stop paying a debt with the pretext that this will improve your financial situation because unlike the will worsen. You will lose the confidence of his acquaintances and the financial system will give a negative rating on your credit history.
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