Fw: [問題] 這樣的狀況需要辦前置協商嗎?
※ [本文轉錄自 creditcard 看板 #1JR4HDFl ]
作者: blcakic (our choice) 看板: creditcard
標題: [問題] 這樣的狀況需要辦前置協商嗎?
時間: Fri May 9 10:58:18 2014
想請教一下版友,
我朋友積欠了大約50萬的卡債+信貸,
目前的還款能力只能每月繳最低,等於幾乎都在繳利息..
他家人現在想要幫他一次還清,不過希望他先去辦前置協商.
我的問題是,
前置協商是否有助於減低本金的部分?
例如他現在是欠50萬,協商完一次繳清可能只需要繳40萬這樣?
因為協商會帶來一些負面影響(信用部分&信用卡不能用),
他現在的考量是,既然都要一次還清了,
那假如不會少還錢(或是少還的很少),他就不想承擔這些負面影響.
謝謝!
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※ 發信站: 批踢踢實業坊(ptt.cc)
※ 轉錄者: blcakic (118.165.105.166), 05/09/2014 12:36:34
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