More and more people have been getting into execution in recent years. Loans – especially non-bank loans – are now very easily available, and almost everyone can get at least a small loan today. In addition, a lot of people borrow completely unnecessarily for things they don’t need. You can also indebt because of installment purchases and you can end up execution even on the basis of non-payment of rent, energy, telephone, internet, television or other services. Can I get a loan in such a situation? What to do if you have tried to find it and have rejected you everywhere? What are the options for dealing with execution?
With execution, finding a loan is very complicated
Of course, if a person has been charged with execution, it is obviously very difficult to find a loan. Of course, most providers have certain requirements, and execution is usually a problem. It is logical that credit companies want to minimize their risk and do not want to lend to someone who is at risk of not being able to repay the loan properly. For example, you do not have a chance with the execution of banks for example, and the opportunity to obtain a loan is thus exclusively with non-banking institutions.
Even in the non-banking sector, the choice is quite limited
Although a non-bank loan with execution can be theoretically found, but here you have to count on the fact that the offer is significantly narrower and many companies will reject the application. The so-called SMS loans in the order of a few thousand are a little higher, but for high loans you usually fail.
Choose carefully and responsibly so that you don’t end up in even bigger debts
Choosing a suitable loan with care and very carefully everyone should – but it is doubly true for those who already have debts and execution on the neck. In such a situation, another mistake would be even more sad, so we recommend looking for a loan with independent sites that specialize in loan comparison. In addition to our website is one of the best, for example, LoansHned.cz, or Vyhodnaky.cz. Another advantage is the fact that all these portals include only thoroughly tested loans with no risk.
For example, a real estate loan could be the solution
If you have a distraint, you have applied for a loan several times and have refused you everywhere. Its advantage is that it is possible to obtain even very high amounts – hundreds of thousands to millions of crowns, in addition, registers of debtors are not checked, as well as you do not need to prove income. The disadvantage is that these loans are only for those who have a property they are willing to guarantee. In case of default, they will lose this property – this is a risk to be aware of in advance.
Some companies also offer debt relief – not everyone is honest
Execution, however, can be solved by other means – such as debt relief applications. These requests are examined by the court to which an application must be made with all the necessary formalities, which is not an entirely simple matter. Many companies offer help with debt relief, unfortunately many of them are not honest and will not help you from execution. Some, on the other hand, can help but often have to pay quite a fee for their services.
A sensible solution is to consult experts
If you are threatened (or have already been charged) with execution, it is best to consult independent experts who can help you. Perhaps ideal is to contact one of the free financial advisors. They provide free assistance to indebted people and often help them free of charge, even with a debt relief request. These institutions are in all regions and in most major cities – you can find a number of contacts on the Internet so you can choose the one that is closest or provides the services you need. For example, if you have a lawyer friend, you can consult him, he can help you with a request for debt relief, or provide other advice.