Debt Negotiation
債務(wù)談判
People are increasingly finding themselves in a position in which their income is no longer adequate to service their debts.
越來越多的人們發(fā)現(xiàn)他們自己處于沒有足夠的收入去償還他們的債務(wù)的位置。
Trapped in a cycle of debt you can find yourself continually accumulating interest, late penalties, fines and fees all of which make your attempts at reducing your debt appear impossible.
陷入債務(wù)循環(huán)你會(huì)發(fā)現(xiàn)你自己不斷的積攢利息克伊，延遲罰款，罰金以及變得不可能減少債務(wù)的費(fèi)用华坦。
Compounding this problem are creditors pressuring you, all well the negative credit record you are developing.
為了解決這些問題 —— 貸款方正在壓迫著你，與此同時(shí)消極的信用記錄也在增加不从。
If you find yourself in this situation there are options. For example:
這里有一些選項(xiàng)惜姐，你可以找到是否正處于這一狀況。比如：
Debt Consolidation
Bankruptcy
Debt Negotiation
合并債務(wù)
破產(chǎn)
債務(wù)談判
While most? is less well known.
盡管大多數(shù)人都比較熟悉前兩個(gè)選項(xiàng)椿息，但是第三個(gè)選項(xiàng)卻很少有人知道歹袁。
Debt at a lower interest rate.
合并債務(wù)是一個(gè)將您的債務(wù)以一種每月較低利率付款并簡單易管理合償還并的過程。
Bankruptcy offers an immediate end to your financial problems but carries significant consequences and should only be considered as a last resort.
破產(chǎn)則提供了一個(gè)可立即終結(jié)您的財(cái)務(wù)問題的方法寝优，當(dāng)帶來一些重要的結(jié)果所以應(yīng)該僅作為最后的決策条舔。
The third option, debt negotiation, is a mutual arrangement between you and your creditors, agreeing upon a settlement figure to finalize your debt.
第三個(gè)選項(xiàng)，債務(wù)談判是一個(gè)在您與您貸款房之間的安排乏矾，還清您的負(fù)債以達(dá)成一個(gè)和解協(xié)議孟抗。
In essence, debt negotiation is a negotiation between you and your creditors to settle on terms that are mutually beneficial to both parties.
本質(zhì)上來說，債務(wù)談判是一個(gè)您與您貸款房之間的談判钻心，以相互以雙方實(shí)現(xiàn)共同利益的條件上達(dá)成和解凄硼。
It is likely that
在達(dá)成和解的過程中，與催促您的還錢或事等待你提交破產(chǎn)表格這兩種方法比起來捷沸，您的貸款人更樂于去與您溝通摊沉，這種方法對(duì)于他們更為有利。
最后痒给，債務(wù)談判經(jīng)常是與你和你的貸款方一個(gè)互利的狀況说墨，因?yàn)槟梢燥@著的減少你的負(fù)債等級(jí)，同時(shí)您的貸款方可能會(huì)收到原先不會(huì)收到的還款苍柏。
