Don’t Plan To Skip You December Payment
Missing Decembers Payment is A HUGE Mistake
December is one of those times of year when consumer sunder debt review often make terrible mistakes when it comes to staying in the process. They feel that if they simply tell their Debt counsellor that they are not going to pay that somehow the Debt Counsellor will magically ‘take care of it‘.
Remember that even though you have paid a Debt Counsellor he does not specifically work for you alone. Consumer forget that the Debt Counsellor was the applicant in a court order which ordered that the consumer pay a certain amount every month.
Sadly at this time of year many consumers decide they want to rather spend money on other things other than the mountain of debt which had them so stressed just months before. Things like gifts for family or maybe something nice for themselves.
It is vital that consumers under debt review realise that if they short pay or miss a payment they will undo all the hard work that has come before. They will soon find themselves facing expensive legal action by creditors who will try to take their homes and vehicles away leaving them without transport or a home and deeper in debt than ever before with no last resort of debt review to help.
“a Debt Counsellor’s job is to help a consumer and their creditors go to court and get a court order restructuring their monthly debt repayments.”
Remember that a Debt Counsellor does not have the authority to arrange for you to simply pay whatever and whenever you feel. Rather a Debt Counsellor’s job is to help a consumer and their creditors go to court and get a court order restructuring their monthly debt repayments. In fact, if you do not pay your debt review you do not pay your Debt Counsellor for their monthly services and you may find they withdraw their services leaving you in a tough situation.
But…so much nice stuff to buy!!
Beware of being caught up in the media frenzy of promoting gift giving and buying of goods. This could cause you to lose focus and for the temporary pleasures of a few gifts you could lose your kids their childhood home. Don’t fool yourself into reasoning like the cheating husband that thinks if he is faithful for 11 months of the year that his wife wont mind if he only cheats in December. The creditors will mind if you miss promised payments and your debt review will crumble.
Don’t Do It!
If you don’t want to go back to hiding from unknown numbers and endless calls, sms’, emails and summonses the don’t even think about missing your December payment. Rather make plans now to enjoy yourself without unnecessarily spending funds meant for your debt repayments. Plan for : free days on the beach, walks on the mountain, soccer in the park, get-togethers with family and friends where everyone brings something to share the costs. There are plenty of ways to enjoy December without ruining your debt review. Be sure to talk to your Debt Counsellor if you are worried about your payment.
This article appears in the recent issue of Debtfree DIGI Magazine.
Read it here:
https://debtfreedigi.co.za/read-the-current-issue-of-debtfree-digi-magazine-online/