Purchase of credits My credit redemption
“My preference, only one credit” , here is the signature of the brokerage company . The sign no longer exists. The agent specializing in the redemption of credits has changed its name . It collaborates with numerous financial partners in order to find the solution of regrouping credits best adapted to the situation of the applicant. Let us take stock of this solution which is more and more solicited.
Find a stable situation with the purchase of credits
Living in good conditions with good purchasing power: is not this the desire of all French households? Life is financially hard for the majority of households. They have the feeling of working only to pay the various bills and to repay the different drafts. The rest to live (difference between the resources of a home and the monthly expenses) is often close to 0 which prevents them from being able to face the imponderables ( breakdown of a washing machine, a school trip of a child, breakdown of vehicles … ). When this situation escalates, the consumer is no longer able to pay their debts. It falls, little by little, in the gear of indebtedness or over indebtedness in extreme cases.
To prevent the situation from becoming critical, it is possible to relax its financial budget by choosing to use a redemption of credits. The broker helps you in your projects by proposing a tailor-made solution. Each situation is different, which is why chose to study each file on a case by case basis. There are different forms of credit redemption:
What is the procedure for the purchase of credits?
French law is clear on the subject. It is not possible to apply for the redemption of credits if the consumer does not have at least two outstanding credits.
The typical diagram of a procedure for purchasing credits from is as follows:
- Linking with a financial advisor in order to make an update on the needs and the financial situation.
- Constitution of the file with the gathering of the various supporting documents ( personal situation, professional situation, schedules of the various credits … ).
- Establishment of different offers to buy credit possible.
When the debt ratio is too high, the file will not be eligible. It will therefore be necessary to get closer to a relative to make a loan of money (recognition of debts), associations, a municipal credit to request a loan on pledge .