The number of new businesses that offer credit card repayment services should be addressed more wisely, especially for those of you who may be experiencing problems in paying off credit card bills. Emergency problems like this often make a person more reckless and immediately take all the opportunities available as long as they are free from their credit card problems. One option that is taken is to use credit card repayment services, so that they can be freed faster from debt. However, actually the person who promises credit card repayment services should be suspected of their credibility. Why so? Check out the full reasons for the following points:
Giving a Sweet Solution in the Beginning
The person under the guise of a less trusted credit card repayment service will usually give promises in the hope that prospective clients will be calmer and want to entrust their credit card debt problems to them. All ways will be done so that prospective clients can trust and enter their trap. Unfortunately, the promises given are often unreasonable. There are individuals who promise 100% bleaching so clients don’t have to pay a penny. There are also those who promise installments according to their ability, even though in reality they cannot be done arbitrarily without the approval of the bank.
Payment of Service Fees at the Beginning without Knowing the Results
Naughty companies / institutions engaged in this field often promise to help resolve the bad credit card cases that befall their clients. It’s just that they usually argue that it will only help the repayment process if the client pays the service fee at the beginning. Of course this is suspect, because as you do service transactions anywhere, the client should have to enjoy the results of services that have been given first and then pay for service fees. For naughty players, of course this opportunity can be a golden opportunity to scoop up as much money as possible without the need to take care of repayment of credit cards that are overwritten by clients.
Debt that remains unpaid
In addition to giving promises, individuals guilty of credit card repayment services usually also convince clients to pay their debts to their side, so that later the money will be transferred to the bank regularly until paid off. Unfortunately, these naughty individuals can commit fraud, for example, stop paying installments to the bank so that the client’s credit status becomes bogged down again. This is certainly very unfortunate because in addition to having material losses, the client will also bear the risk of a historical IDI blacklist that has not been resolved. In fact, if indeed the person intends well, the client should be the one who will make direct payments to the bank without going through anyone except the official account that was indeed issued by the bank. This is done so that clients can maintain a level of security for the material that has been issued.
“So, what should I do?”
When you want to pay off your credit card bill there is really no other way to do it than pay it off until the arrears are used up. Although many people like this offer tantalizing options such as credit card bleaching or paying off debt to irresponsible individuals on the pretext of repayment, the only step that must be taken is to pay off the debt.
If you really feel objected in paying off the debt and really not being able to, there are still other ways you can do that is by utilizing a company that provides a debt management program. A company like this has a consultant who can help you to take a solution and develop a strategy to pay off debts that are still in arrears. You can be involved with a bank relief program so that the debt burden becomes lighter, for example by deducting debts, low-interest installments with an extended tenor, or a combination of both. No need to be afraid of fraud cases, because usually you will make debt payments directly to the bank without going through a third party.
By using a professional debt management service company, you can get a solution in the form of negotiating debt and education to be able to take advantage of situations such as to increase income or reduce expenses. One of the debt settlement services that you can use, for example ABC Finance.
ABC Finance provides debt management program
ABC Finance international is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. ABC Finance Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. ABC Finance Indonesia headquarters was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. ABC Finance made Indonesia as the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, ABC Finance Indonesia has become the first company in Asia to get accreditation from the International Association of Professional Debt Arbitrators (IAPDA).