債務重組（2003/07/03） -- 舒展超之大玩派

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Subject: 債務重組（2003/07/03）

Author:
舒展超

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Date Posted: 03:07:14 07/03/03 Thu

負數負得太厲害，痛定思痛並痛下決心，剪掉所有信用卡。
光剪卡也沒有用，最重要是一次過把尚欠卡數及其他欠債綜合起來，委託一家銀行做債務重組。
過程說難不難，我只上過銀行兩次。第一次，上去填表，並提供收入及債務的證明文件；第二次上去已是簽約成事，卻跟第一次相隔超過三個月！所以，過程說易也不容易。
所委託銀行在集齊資料作分析後，要先做一個我能負擔的還款計畫出來，然後向其他有關債權人（銀行、信用卡公司）提出書面「講數」；待所有債權人一致接納後，又要等每位債權人的合約備妥，才可找我簽署。因牽涉多家銀行，故其間的文件往來、條件交涉、審核程序等之繁複，可想而知；費時三數個月，絕對不足為奇。
這樣做，有乜好處？
首先，從今以後，我不必再被幾間銀行每月「追債」；我只要每月準時把一個固定數目，存入所委託之銀行，它就會按比例自動代我還款給甚他各間銀行。
此外，最大好處當然是減債啦！
債務重組後，約定之利息比信用卡低釵h；我只要按期還款若干年，就可無債一身輕！否則，若每個月只還卡數的最低付款額，則還一世也還不完呢！

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