2013년 11월 28일 목요일

오후 9:27

By Anabel Buske

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About 'allowance for bad debts'|BAD DEBTS THREATEN CHINESE BANKING







About 'allowance for bad debts'|BAD DEBTS THREATEN CHINESE BANKING








Ｂａｄ               Ｃｒｅｄｉｔ               ｉｓ               ｓｏｍｅｔｈｉｎｇ               ｔｈａｔ               ｐｌａｑｕｅｓ               ａｌｍｏｓｔ               ｅｖｅｒｙｏｎｅ               ａｔ               ｓｏｍｅ               ｔｉｍｅ               ｉｎ               ｌｉｆｅ.

Ｗｈｅｔｈｅｒ               ｙｏｕ               ａｒｅ               ａ               ｃｏｌｌｅｇｅ               ｓｔｕｄｅｎｔ               ｗｈｏ               ｇｏｔ               ｃａｒｒｉｅｄ               ａｗａｙ               ｗｉｔｈ               ｙｏｕｒ               ｎｅｗ               ｆｏｕｎｄ               ｃｒｅｄｉｔ               ｏｒ               ｙｏｕ               ａｒｅ               ｒｅｂｏｕｎｄｉｎｇ               ｆｒｏｍ               ａ               ｆｉｎａｎｃｉａｌ               ｄｉｓａｓｔｅｒ,               ｒｅｂｕｉｌｄｉｎｇ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｎ               ｂｅ               ａ               ｍｏｎｕｍｅｎｔａｌ               ｔａｓｋ.

Ｗｈｅｎ               ｃｏｎｔｅｍｐｌａｔｉｎｇ               ｃｒｅｄｉｔ               ｒｅｐａｉｒ               ｒｅｍｅｍｂｅｒ               ｔｈａｔ               (1)               ｙｏｕ               ａｒｅ               ｎｏｔ               ａｌｏｎｅ:               ｗｉｔｈ               ｔｈｅ               ｓｔａｔｅ               ｏｆ               ｔｈｉｓ               ｎａｔｉｏｎ'ｓ               ｅｃｏｎｏｍｙ,               ｍｉｌｌｉｏｎｓ               ｏｆ               ｈｏｎｅｓｔ,               ｈａｒｄｗｏｒｋｉｎｇ               ｐｅｏｐｌｅ               ａｒｅ               ｈａｖｉｎｇ               ｆｉｎａｎｃｉａｌ               ｐｒｏｂｌｅｍｓ.

Ａｄｄｉｔｉｏｎａｌｌｙ,               ｏｎ               ｔｈｅ               ａｖｅｒａｇｅ               ｏｎｅ               ｍｉｌｌｉｏｎ               ｐｅｏｐｌｅ               ｗｉｌｌ               ｆｉｌｅ               ｂａｎｋｒｕｐｔｃｙ               ｔｈｉｓ               ｙｅａｒ.

(2)               ｙｏｕ               ｈａｖｅ               ｔｈｅ               ｌｅｇａｌ               ｒｉｇｈｔ               ｔｏ               ｒｅｐａｉｒ               ｙｏｕｒ               ｏｗｎ               ｃｒｅｄｉｔ:               ｂｙ               ｓｔａｎｄｉｎｇ               ｕｐ               ｔｏ               ｃｒｅｄｉｔｏｒｓ,               ｙｏｕ               ｃａｎ               ｏｆｔｅｎ               ｇａｉｎ               ａｄｄｉｔｉｏｎａｌ               ｔｉｍｅ               ｔｏ               ｐａｙ,               ｇｅｔ               ｌａｔｅ               ｆｅｅｓ               ｄｒｏｐｐｅｄ,               ａｎｄ               ｓｅｔｔｌｅ               ｄｅｂｔｓ               ｆｏｒ               ｐｅｎｎｉｅｓ               ｏｎ               ｔｈｅ               ｄｏｌｌａｒ.

(3)               ｎｏ               ｃｒｅｄｉｔ               ｉｓ               ｔｏｏ               ｂａｄ               ｔｏ               ｒｅｐａｉｒ:               ｅｖｅｎ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｇｏｎｅ               ｔｈｒｏｕｇｈ               ａ               ｆｉｎａｎｃｉａｌ               ｔｒａｇｅｄｙ               ｙｏｕ               ｗｉｌｌ               ｓｏｏｎ               ｑｕａｌｉｆｙ               ｆｏｒ               ｓｏｍｅ               ｔｙｐｅ               ｏｆ               ｃｒｅｄｉｔ.

Ｉｆ               ｙｏｕ               ｂｅｇｉｎ               ｔｏ               ｒｅｂｕｉｌｄ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｌｏｗｌｙ               ａｎｄ               ｓｅｎｓｉｂｌｙ,               ｙｏｕ               ｃａｎ               ｑｕａｌｉｆｙ               ｆｏｒ               ａ               ｍａｊｏｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｏｒ               ｌｏａｎ               ｗｉｔｈｉｎ               ｔｗｏ               ｙｅａｒｓ.
               Ｆｏｌｌｏｗｉｎｇ               ａｒｅ               ａ               ｆｅｗ               ｔｉｐｓ               ｔｏ               ｕｓｅ               ｗｈｅｎ               ｒｅｂｕｉｌｄｉｎｇ               ｙｏｕｒ               ｃｒｅｄｉｔ:
               1.

Ｕｎｄｅｒｓｔａｎｄ               ｙｏｕｒ               ｉｎｃｏｍｅ               ａｎｄ               ｅｘｐｅｎｓｅｓ-ｔｈｅ               ｅｓｓｅｎｔｉａｌ               ｓｔｅｐ               ｉｎ               ｃｒｅｄｉｔ               ｒｅｐａｉｒ               ｉｓ               ｔｏ               ｕｎｄｅｒｓｔａｎｄ               ｗｈｅｒｅ               ｙｏｕｒ               ｍｏｎｅｙ               ｃｏｍｅｓ               ｆｒｏｍ               ａｎｄ               ｗｈｅｒｅ               ｉｔ               ｇｏｅｓ
               ＥＸＰＥＮＳＥＳ
               Ｄｅｖｅｌｏｐ,               ａｄｏｐｔ               ａｎｄ               ｉｍｐｌｅｍｅｎｔ               ａ               ｂｕｄｇｅｔ               ｏｒ               ｓｐｅｎｄｉｎｇ               ｐｌａｎ-ｔｒａｃｋ               ｙｏｕｒ               ｉｎｃｏｍｅ               ａｎｄ               ｅｘｐｅｎｓｅｓ               ｆｏｒ               ａ               ｍｉｎｉｍｕｍ               ｏｆ               ｔｗｏ               ｍｏｎｔｈｓ
               Ｓｅｌｅｃｔ               ａ               Ｓｕｎｄａｙ               ｔｏ               ｂｅｇｉｎ               ｒｅｃｏｒｄｉｎｇ               ｙｏｕｒ               ｅｘｐｅｎｓｅｓ-ｒｅｃｏｒｄｉｎｇ               ＥＶＥＲＹＴＨＩＮＧ-ｅｖｅｎ               ａ               ｐａｃｋ               ｏｆ               ｇｕｍ               ｏｒ               ａ               ｂｏｔｔｌｅ               ｏｆ               ｗａｔｅｒ-ｉｔｓ               ａｍａｚｉｎｇ               ｈｏｗ               ｍｕｃｈ               ｉｓ               ｓｐｅｎｔ               ｏｎ               ｌｉｔｔｌｅ               ｉｔｅｍｓ-ｏｖｅｒ               ｔｈｅ               ｃｏｕｒｓｅ               ｏｆ               ａ               ｍｏｎｔｈ               ｏｒ               ｓｏ               ｉｔ               ｒｅａｌｌｙ               ａｄｓ               ｕｐ
               Ｃａｒｒｙ               ｙｏｕｒ               ｅｘｐｅｎｄｉｔｕｒｅ               ｆｏｒｍ               ｗｉｔｈ               ｙｏｕ               ａｔ               ａｌｌ               ｔｉｍｅｓ-ｉｔｓ               ｅａｓｙ               ｔｏ               ｆｏｒｇｅｔ               ｔｏ               ｒｅｃｏｒｄ               ｓｍａｌｌ               ｉｔｅｍｓ
               Ｂｅ               ｓｕｒｅ               ｔｏ               ｉｎｃｌｕｄｅ               ｆｅｅｓ               ｓｕｃｈ               ａｓ               ＡＴＭ               ｓｅｒｖｉｃｅ               ｆｅｅｓ,               ｂａｎｋ               ｆｅｅｓ,               ｅｔｃ
               Ｄｏｎ'ｔ               ｒｅｃｏｒｄ               ａｎｙ               ｅｘｐｅｎｄｉｔｕｒｅ               ｍａｄｅ               ｗｉｔｈ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ-ｏｎｌｙ               ｃａｓｈ               ｏｒ               ｃａｓｈ               ｅｑｕｉｖａｌｅｎｔ               ｉｔｅｍｓ
               Ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｅａｃｈ               ｗｅｅｋ,               ｆｉｌｅ               ｔｈｅ               ｃｏｍｐｌｅｔｅｄ               ｆｏｒｍ               ａｎｄ               ｂｅｇｉｎ               ａ               ｎｅｗ               ｆｏｒｍ
               Ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               8               ｗｅｅｋｓ,               ｃａｔｅｇｏｒｉｚｅ               ｙｏｕｒ               ｅｘｐｅｎｄｉｔｕｒｅｓ.

Ｃａｔｅｇｏｒｉｅｓ               ｃａｎ               ｉｎｃｌｕｄｅ:               ｒｅｎｔ/ｍｏｒｔｇａｇｅ,               ｈｏｍｅ               ｏｗｎｅｒ'               ｓ               ｉｎｓｕｒａｎｃｅ,               ｔｅｌｅｐｈｏｎｅ,               ｃｅｌｌ               ｐｈｏｎｅ,               ｉｎｔｅｒｎｅｔ,               ｇａｓ,               ｅｌｅｃｔｒｉｃ,               ｃａｂｌｅ,               ｇａｒｂａｇｅ,               ｃｌｅａｎｉｎｇ,               ｙａｒｄ               ｏｒ               ｐｏｏｌ               ｃａｒｅ,               ｍａｉｎｔｅｎａｎｃｅ               &               ｒｅｐａｉｒｓ,               ｇｒｏｃｅｒｉｅｓ,               ｄｉｎｉｎｇ               ｏｕｔ               ｅｘｐｅｎｓｅｓ,               ｃｌｏｔｈｉｎｇ               &               ａｃｃｅｓｓｏｒｉｅｓ,               ｄｒｙ               ｃｌｅａｎｉｎｇ,               ｈａｉｒ               ｃｕｔｓ,               ｍａｓｓａｇｅｓ,               ｄｏｎａｔｉｏｎｓ,               ｈｅａｌｔｈ               ｃｌｕｂ               ｍｅｍｂｅｒｓｈｉｐｓ,               ｍｅｄｉｃａｔｉｏｎｓ,               ｍｅｄｉｃａｌ               ｅｘｐｅｎｓｅｓ,               ｇａｓｏｌｉｎｅ,               ａｕｔｏｍｏｂｉｌｅ               ｐａｙｍｅｎｔ,               ａｕｔｏｍｏｂｉｌｅ               ｉｎｓｕｒａｎｃｅ,               ａｕｔｏｍｏｂｉｌｅ               ｍａｉｎｔｅｎａｎｃｅ               &               ｒｅｐａｉｒ,               ｐａｒｋｉｎｇ               ｔｏｌｌｓ,               ｐａｒｋｉｎｇ               ｔｉｃｋｅｔｓ,               ｍａｇａｚｉｎｅ               &               ｓｕｂｓｃｒｉｐｔｉｏｎ               ｅｘｐｅｎｓｅｓ,               ｓｐｏｒｔｉｎｇ               ｅｖｅｎｔｓ,               ｍｏｖｉｅ               ｔｉｃｋｅｔｓ               ｏｒ               ｒｅｎｔａｌｓ,               ｃｈｉｌｄ               ｃａｒｅ,               ｄｉａｐｅｒｓ,               ｆｏｒｍｕｌａ,               ａｌｌｏｗａｎｃｅ,               ｓｃｈｏｏｌ               ｅｘｐｅｎｓｅｓ,               ｐｅｔ               ｇｒｏｏｍｉｎｇ,               ｔｕｉｔｉｏｎ               ｏｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｐａｙｍｅｎｔｓ,               ｓｃｈｏｏｌ               ｂｏｏｋｓ               ａｎｄ               ｓｕｐｐｌｉｅｓ,               ｂａｎｄ               ａｎｄ               ｃｒｅｄｉｔ               ｃａｒｄ               ｆｅｅｓ,               ｇｉｆｔ               ｅｘｐｅｎｓｅｓ.

Ｉｎ               ａ               ｓｅｐａｒａｔｅ               ｃｏｌｕｍｎ,               ｉｎｃｌｕｄｅ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ｙｏｕ               ｄｏｎ'ｔ               ｐａｙ               ｍｏｎｔｈｌｙ,               ｓｕｃｈ               ａｓ               ｐｒｏｐｅｒｔｙ               ｔａｘｅｓ,               ｔａｘ               ｐｒｅｐａｒａｔｉｏｎ               ｆｅｅｓ,               ｅｔｃ.

Ｂｅ               ｓｕｒｅ               ｔｏ               ｉｎｃｌｕｄｅ               ｙｅａｒ               ｒｏｕｎｄ               ｅｘｐｅｎｓｅｓ-ｌｕｎｃｈｅｓ               ｆｏｒ               ｙｏｕｒ               ｃｈｉｌｄｒｅｎ               ｄｕｒｉｎｇ               ｔｈｅ               ｓｃｈｏｏｌ               ｙｅａｒ,               Ｃｈｒｉｓｔｍａｓ               ａｎｄ               ｈｏｌｉｄａｙ               ｅｘｐｅｎｓｅｓ,               ｅｔｃ.
               Ｔｉｐｓ               ｆｏｒ               ｃｕｔｔｉｎｇ               ｅｘｐｅｎｓｅｓ:               ｃｌｉｐ               ｃｏｕｐｏｎｓ,               ｂｕｙ               ｏｎ               ｓａｌｅ,               ｐｕｒｃｈａｓｅ               ｇｅｎｅｒｉｃ               ｂｒａｎｄｓ,               ｂｕｙ               ｉｎ               ｂｕｌｋ,               ｓｈｏｐ               ａｔ               ｄｉｓｃｏｕｎｔ               ｏｕｔｌｅｔｓ,               ｉｍｐｒｏｖｅ               ｙｏｕｒ               ｇａｓ               ｍｉｌｅａｇｅ               ｂｙ               ｈａｖｅ               ｙｏｕｒ               ｃａｒ               ｔｕｎｅｄ               ｕｐ,               ｃａｒｐｏｏｌ,               ｔａｋｅ               ｔｈｅ               ｂｕｓ               ｏｒ               ｔｒａｉｎ,               ｃｏｍｂｉｎｅ               ｔｒｉｐｓ,               ｄｉｓｃｏｎｔｉｎｕｅ               ｃａｂｌｅ,               ｓｕｂｓｃｒｉｐｔｉｏｎｓ               ａｎｄ               ｍａｇａｚｉｎｅｓ,               ｂｏｒｒｏｗ               ｂｏｏｋｓ               ａｎｄ               ＣＤｓ               ｉｎｓｔｅａｄ               ｏｆ               ｂｕｙｉｎｇ               ｔｈｅｍ,               ｄｉｓｃｏｎｔｉｎｕｅ               ｙｏｕｒ               ｔｅｌｅｐｈｏｎｅ               ｓｅｒｖｉｃｅ               ａｎｄ               ｏｎｌｙ               ｕｓｅ               ｙｏｕｒ               ｃｅｌｌｕｌａｒ               ｐｈｏｎｅ,               ｄｏｎ'ｔ               ｄｉｎｅ               ｏｕｔ,               ｓｐｅｎｄ               ｌｅｓｓ               ｏｎ               ｇｉｆｔｓ.
               ＩＮＣＯＭＥ
               Ｍａｋｅ               ａ               ｌｉｓｔ               ｏｆ               ａｌｌ               ｏｆ               ｔｈｅ               ｊｏｂｓ               ｆｏｒ               ｗｈｉｃｈ               ｙｏｕ               ｒｅｃｅｉｖｅ               ｉｎｃｏｍｅ-ｒｅｃｏｒｄ               ｙｏｕｒ               ｇｒｏｓｓ               ａｎｄ               ｎｅｔ               ｉｎｃｏｍｅ
               Ｌｉｓｔ               ａｎｙ               ｏｔｈｅｒ               ｓｏｕｒｃｅｓ               ｏｆ               ｉｎｃｏｍｅ-ｂｏｎｕｓ               ｐａｙ,               ａｌｉｍｏｎｙ,               ｃｈｉｌｄ               ｓｕｐｐｏｒｔ,               ｐｅｎｓｉｏｎｓ.
               ＣＲＥＡＴＥ               ＹＯＵＲ               ＢＵＤＧＥＴ
               Ｔａｋｅ               ｔｈｅ               ａｖｅｒａｇｅ               ｏｆ               ｙｏｕｒ               2               ｍｏｎｔｈｓ               ｏｆ               ｉｎｃｏｍｅ               ａｎｄ               ｅｘｐｅｎｄｉｔｕｒｅｓ               ａｎｄ               ｄｅｖｅｌｏｐ               ｙｏｕｒ               ｂｕｄｇｅｔ.
               Ｐｌａｎ               ａ               ｂｕｄｇｅｔ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｌｉｖｅ               ｗｉｔｈｉｎ.

Ｆｏｒ               ｅｘａｍｐｌｅ,               ｄｏｎ'ｔ               ｃｕｔ               ｏｕｔ               ａｌｌ               ｏｆ               ｙｏｕｒ               ｅｎｔｅｒｔａｉｎｍｅｎｔ               ｅｘｐｅｎｓｅｓ               ｂｅｃａｕｓｅ               ｔｈａｔ'ｓ               ｎｏｔ               ａ               ｒｅａｌｉｓｔｉｃ               ｇｏａｌ.
               Ａｎｙ               ｅｘｃｅｓｓ               ｍｏｎｅｙ               ａｆｔｅｒ               ｙｏｕｒ               ｏｂｌｉｇａｔｉｏｎｓ               ａｒｅ               ｍｅｔ               ｍｕｓｔ               ｂｅ               ｕｓｅｄ               ｔｏ               ｒｅｔｉｒｅ               ｄｅｂｔ.
               2.

Ｏｎｃｅ               ｙｏｕ               ｈａｖｅ               ａ               ｓｏｕｎｄ               ｂｕｄｇｅｔ               ｉｎ               ｐｌａｃｅ,               ｇｅｔ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ.

Ｙｏｕ               ｃａｎ               ｖｉｓｉｔ               ｗｗｗ.ａｎｎｕａｌｃｒｅｄｉｔｒｅｐｏｒｔ.ｃｏｍ               ｔｏ               ｇｅｔ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ.
               Ｔｈｏｒｏｕｇｈｌｙ               ａｎｄ               ｃａｒｅｆｕｌｌｙ               ｒｅｖｉｅｗ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               ａｎｄ               ｎｏｔｅ               ａｎｙｔｈｉｎｇ               ｔｈａｔ               ｉｓ               ｏｕｔｄａｔｅｄ-ｌｉｅｎｓ               ｔｈａｔ               ｈａｖｅ               ｂｅｅｎ               ｐａｉｄ,               ｂａｎｋｒｕｐｔｃｉｅｓ               ｏｌｄｅｒ               ｔｈａｎ               7               ｙｅａｒｓ,               ａｎｙ               ｒｅｑｕｅｓｔ               ｏｌｄｅｒ               ｔｈａｎ               2               ｙｅａｒｓ               ｍａｄｅ               ｂｙ               ａ               ｃｏｍｐａｎｙ               ｉｎｑｕｉｒｉｎｇ               ａｂｏｕｔ               ｙｏｕｒ               ｃｒｅｄｉｔ.
               Ｌｏｏｋ               ｆｏｒ               ｉｎｃｏｒｒｅｃｔ               ｏｒ               ｉｎｃｏｍｐｌｅｔｅ               ｎａｍｅｓ,               ａｄｄｒｅｓｓｅｓ,               ｔｅｌｅｐｈｏｎｅ               ｎｕｍｂｅｒ,               ａｃｃｏｕｎｔｓ               ｔｈａｔ               ａｒｅｎ'ｔ               ｙｏｕｒｓ,               ｉｎｃｏｒｒｅｃｔ               ｌａｔｅ               ｐａｙｍｅｎｔ               ｎｏｔａｔｉｏｎｓ,               ｃｌｏｓｅｄ               ａｃｃｏｕｎｔｓ               ｔｈａｔ               ａｒｅ               ｌｉｓｔｅｄ               ａｓ               ｏｐｅｎ,               ａｃｃｏｕｎｔｓ               ｔｈａｔ               ａｒｅ               ｌｉｓｔｅｄ               ｍｏｒｅ               ｔｈａｎ               ｏｎｃｅ,               ａｎｄ               ａｎｙ               ａｃｃｏｕｎｔ               ｔｈａｔ               ｙｏｕ               ｃｌｏｓｅｄ               ｔｈａｔ               ｄｏｅｓｎ'ｔ               ｎｏｔｅ               "ａｃｃｏｕｎｔ               ｃｌｏｓｅｄ               ｂｙ               ｃｏｎｓｕｍｅｒ"
               Ａｆｔｅｒ               ｎｏｔｉｎｇ               ｔｈｅ               ｉｎａｃｃｕｒａｃｉｅｓ,               ｖｉｓｉｔ               ｔｈｅ               ｃｒｅｄｉｔ               ｂｕｒｅａｕ'ｓ               ｗｅｂｓｉｔｅ               ａｎｄ               ｏｂｔａｉｎ               ａ               "ｒｅｑｕｅｓｔ               ｆｏｒ               ｒｅｉｎｖｅｓｔｉｇａｔｉｏｎ"               ｆｏｒｍ.

Ｒｅｑｕｅｓｔ               ｔｈａｔ               ｔｈｅ               ｂｕｒｅａｕ               ｒｅｖｉｅｗ               ａｌｌ               ｏｆ               ｔｈｅ               ｅｒｒｏｒｓ               ａｎｄ               ｍａｋｅ               ｔｈｅ               ｐｒｏｐｅｒ               ｃｏｒｒｅｃｔｉｏｎｓ               ｔｏ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ.

Ｔｈｅ               ｂｕｒｅａｕ               ｉｓ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｃｏｍｐｌｅｔｅ               ｔｈｅ               ｉｎｖｅｓｔｉｇａｔｉｏｎ               ｗｉｔｈｉｎ               30               ｄａｙｓ.
               3.

Ｍａｎａｇｅ               Ｙｏｕｒ               Ｅｘｉｓｔｉｎｇ               Ｄｅｂｔ
               Ｄｅａｌ               ｗｉｔｈ               ｃｕｒｒｅｎｔ               ｄｅｂｔｓ               ａｎｄ               ｄｅｂｔｓ               ｔｈａｔ               ａｒｅ               ｎｏｔ               ｓｅｒｉｏｕｓｌｙ               ｏｖｅｒｄｕｅ.

Ｉｔ               ｉｓ               ｐｏｓｓｉｂｌｅ               ｔｏ               ｎｅｇｏｔｉａｔｅ               ｗｉｔｈ               ｃｒｅｄｉｔｏｒｓ               ｆｏｒ               ｅｘｔｒａ               ｔｉｍｅ               ｔｏ               ｐａｙ               ｏｒ               ａ               ｃｈａｎｇｅ               ｉｎ               ｔｈｅ               ｔｅｒｍｓ               ｏｆ               ｙｏｕｒ               ｒｅｐａｙｍｅｎｔ.

Ａ               ｃｒｅｄｉｔｏｒ               ｗｏｕｌｄ               ｍｕｃｈ               ｒａｔｈｅｒ               ｈｅａｒ               ｆｒｏｍ               ｙｏｕ               ｂｅｆｏｒｅ               ｙｏｕｒ               ｐａｙｍｅｎｔ               ｉｓ               ｌａｔｅ.

Ｆｏｌｌｏｗ               ｔｈｉｓ               ｍｅｔｈｏｄ               ｗｈｅｎ               ｃｏｍｍｕｎｉｃａｔｉｎｇ               ｗｉｔｈ               ａ               ｃｒｅｄｉｔｏｒ               (1)               ｃｌｅａｒｌｙ               ｅｘｐｌａｉｎ               ｙｏｕｒ               ｐｒｏｂｌｅｍ-ａｎ               ｕｎｅｘｐｅｃｔｅｄ               ａｃｃｉｄｅｎｔ,               ｍｅｄｉｃａｌ               ｅｍｅｒｇｅｎｃｙ,               ｌｏｓｓ               ｏｆ               ｊｏｂ;               (2)               ｌｅｔ               ｔｈｅ               ｃｒｅｄｉｔｏｒ               ｋｎｏｗ               ｗｈｅｎ               ｙｏｕ               ｅｘｐｅｃｔ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｔｏ               ｉｍｐｒｏｖｅ-ｙｏｕ               ｅｘｐｅｃｔ               ａ               ｓｅｔｔｌｅｍｅｎｔ               ｉｎ               30               ｄａｙｓ,               ｙｏｕ               ｈａｖｅ               3               ｊｏｂ               ｉｎｔｅｒｖｉｅｗｓ               ｔｈａｔ               ｌｏｏｋ               ｐｒｏｍｉｓｉｎｇ;               (3)               ｓｅｎｄ               ａ               ｓｍａｌｌ               ｐａｙｍｅｎｔ-ｅｖｅｎ               ｉｆ               ｉｔｓ               ｎｏｔ               ｔｈｅ               ｍｉｎｉｍｕｍ               ｐａｙｍｅｎｔ,               ｍｏｓｔ               ｃｒｅｄｉｔｏｒｓ               ａｒｅ               ｍｏｒｅ               ｌｉｋｅｌｙ               ｔｏ               ｃｏｏｐｅｒａｔｅ               ｉｆ               ｙｏｕ               ｍａｋｅ               ａ               ｇｏｏｄ               ｆａｉｔｈ               ｐａｙｍｅｎｔ.
               Ｍｏｒｔｇａｇｅ               Ｐａｙｍｅｎｔｓ-ｉｆ               ｙｏｕ               ａｎｔｉｃｉｐａｔｅ               ａ               ｐｒｏｂｌｅｍ               ｋｅｅｐｉｎｇ               ｙｏｕｒ               ｍｏｒｔｇａｇｅ               ｃｕｒｒｅｎｔ,               ｃｏｎｔａｃｔ               ｔｈｅ               ｌｅｎｄｅｒ               ｔｏ               ｓｅｅ               ｉｆ               ｔｈｅｙ               ｃａｎ               ｄｅｆｅｒ               ｔｈｅ               ｐａｙｍｅｎｔ               ｏｒ               ａｃｃｅｐｔ               ａｎ               ｉｎｔｅｒｅｓｔ               ｏｎｌｙ               ｐａｙｍｅｎｔ.

Ａｌｓｏ,               ｉｎｑｕｉｒｅ               ａｂｏｕｔ               ａｎｙ               ｒｅｆｉｎａｎｃｉｎｇ               ｏｐｔｉｏｎｓ               ｔｈａｔ               ｍｉｇｈｔ               ｂｅ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ｄｅｂｔ               ｒｅｄｕｃｔｉｏｎ.

Ｉｆ               ｔｈｅｒｅ               ａｒｅ               ｎｏ               ｏｔｈｅｒ               ｏｐｔｉｏｎｓ,               ｃｏｎｓｉｄｅｒ               ｓｅｌｌｉｎｇ               ｏｒ               ｗａｌｋｉｎｇ               ａｗａｙ               ｆｒｏｍ               ｔｈｅ               ｈｏｍｅ.
               4.

Ｓｌｏｗｌｙ               Ｂｅｇｉｎ               ｔｏ               Ｒｅｂｕｉｌｄ               Ｙｏｕｒ               Ｃｒｅｄｉｔ
               Ｇｅｔ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ａｎｄ               ｕｓｅ               ｉｔ               ｗｉｓｅｌｙ-ｇｅｔ               ａ               ｓｉｎｇｌｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ａｎｄ               ｕｓｅ               ｉｔ               ｔｏ               ｐａｙ               ｙｏｕｒ               ｍｏｎｔｈｌｙ               ｅｘｐｅｎｓｅｓ-ｔｈｅｎ               ｐａｙ               ｏｆｆ               ｔｈａｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｉｎ               ｉｔｓ               ｅｎｔｉｒｅｔｙ               ｅｖｅｒｙ               ｍｏｎｔｈ.

Ａｆｔｅｒ               ａ               ｆｅｗ               ｍｏｎｔｈｓ,               ｔｈｉｓ               ｗｉｌｌ               ａｌｅｒｔ               ｏｔｈｅｒ               ｐｏｔｅｎｔｉａｌ               ｃｒｅｄｉｔｏｒｓ               ｔｈａｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｉｓ               ｇｅｔｔｉｎｇ               ｂａｃｋ               ｏｎ               ｔｒａｃｋ               ａｎｄ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｗｉｌｌ               ｂｅｇｉｎ               ｔｏ               ｒｉｓｅ.
               Ｄｏｎ'ｔ               ｇｏ               ｏｖｅｒｂｏａｒｄ               ｏｎｃｅ               ｙｏｕ               ｅｓｔａｂｌｉｓｈ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｃａｒｒｙ               ｏｎｅ               ｂａｎｋ               ｏｒ               ｄｅｂｉｔ               ｃａｒｄ,               ｏｎｅ               ｄｅｐａｒｔｍｅｎｔ               ｓｔｏｒｅ               ｃａｒｄ               ａｎｄ               ｏｎｅ               ｇａｓｏｌｉｎｅ               ｃａｒｄ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ｔｏｏ               ｍａｎｙ               ｏｐｅｎ               ｃｒｅｄｉｔ               ｃａｒｄ               ａｃｃｏｕｎｔｓ,               ｅｖｅｎ               ｉｆ               ｔｈｅｙ               ｈａｖｅ               ａ               ｚｅｒｏ               ｂａｌａｎｃｅ,               ｉｔ               ｃａｎ               ｈｕｒｔ               ｙｏｕ.
               Ｃｌｏｓｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ａｃｃｏｕｎｔｓ               ｔｈａｔ               ｙｏｕ               ｄｏｎ'ｔ               ｎｅｅｄ.

Ｙｏｕ               ｃａｎ               ｄｏ               ｔｈｉｓ               ｂｙ               ｓｉｍｐｌｙ               ｗｒｉｔｉｎｇ               ａ               ｌｅｔｔｅｒ               ｔｏ               ｔｈｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｙ               ａｎｄ               ａｓｋｉｎｇ               ｔｈｅｍ               ｔｏ               ｋｉｎｄｌｙ               ｃｌｏｓｅ               ｔｈｅ               ａｃｃｏｕｎｔ.
               Ｏｐｅｎ               ａ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ-ｐｏｔｅｎｔｉａｌ               ｃｒｅｄｉｔｏｒｓ               ｌｏｏｋ               ｆｏｒ               ａｓｓｅｔｓ               ｗｈｉｃｈ               ｍａｙ               ｂｅ               ｕｓｅｄ               ｆｏｒ               ｒｅｐａｙｍｅｎｔ.
               Ｓｈｏｐ               ａｒｏｕｎｄ               ａｎｄ               ｇｅｔ               ｔｈｅ               ｂｅｓｔ               ａｃｃｏｕｎｔｓ               ａｖａｉｌａｂｌｅ-ｍａｎｙ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｈａｖｅ               ｏｕｔｓｔａｎｄｉｎｇ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ.

Ｄｏ               ｙｏｕｒ               ｒｅｓｅａｒｃｈ               ａｎｄ               ｄｏｎ'ｔ               ｊｕｓｔ               ｇｒａｂ               ｔｈｅ               ｆｉｒｓｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｙｏｕ               ｃａｎ               ｇｅｔ
               Ａｖｏｉｄ               ｄｅｂｔ               ｃｏｕｎｓｅｌｉｎｇ.

Ａｎｙ               ｄｅｂｔ               ｃｏｕｎｓｅｌｉｎｇ               ｔｈａｔ               ｙｏｕ               ｓｅｅｋ               ｗｉｌｌ               ｂｅ               ｒｅｐｏｒｔｅｄ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ.
               Ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｃｏｎｔａｉｎｅｄ               ｉｎ               ｔｈｉｓ               ａｒｔｉｃｌｅ               ｉｓ               ｎｏｔ,               ｎｏｒ               ｉｓ               ｉｔ               ｉｎｔｅｎｄｅｄ               ｔｏ               ｂｅ,               ｌｅｇａｌ               ａｄｖｉｃｅ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｃｏｎｓｕｌｔ               ａｎ               ａｔｔｏｒｎｅｙ               ｆｏｒ               ｉｎｄｉｖｉｄｕａｌ               ａｄｖｉｃｅ               ｒｅｇａｒｄｉｎｇ               ｙｏｕｒ               ｏｗｎ               ｓｉｔｕａｔｉｏｎ.

Ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｎｏｔ               ｉｎｔｅｎｄｅｄ               ｔｏ               ｓｅｒｖｅ               ａｓ               ａ               ｓｕｂｓｔｉｔｕｔｅ               ｆｏｒ               ｃｏｎｓｕｌｔａｔｉｏｎ               ｗｉｔｈ               ａｎ               ａｔｔｏｒｎｅｙ.

Ｓｐｅｃｉｆｉｃ               ｌｅｇａｌ               ｉｓｓｕｅｓ,               ｃｏｎｃｅｒｎｓ               ａｎｄ               ｃｏｎｄｉｔｉｏｎｓ               ａｌｗａｙｓ               ｒｅｑｕｉｒｅ               ｔｈｅ               ａｄｖｉｃｅ               ｏｆ               ａｐｐｒｏｐｒｉａｔｅ               ｌｅｇａｌ               ｃｏｕｎｓｅｌ.






Image of allowance for bad debts






allowance for bad debts
allowance for bad debts


allowance for bad debts Image 1


allowance for bad debts
allowance for bad debts


allowance for bad debts Image 2


allowance for bad debts
allowance for bad debts


allowance for bad debts Image 3


allowance for bad debts
allowance for bad debts


allowance for bad debts Image 4


allowance for bad debts
allowance for bad debts


allowance for bad debts Image 5


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