Kruk S.A.

It is an extraordinary event which reminds about returning even the smallest borrowed amount to family and friends. It is also a good occassion to solve the problem of all other debts. It encourages to contact a creditor and discuss the subject of debt repayment  (e.g. a bank we owe money to or a debt collection company). It is a time to reflect over our financial condition and introduce changes that will help improve them.

Data collected by KRUK Group shows that an increasing number of Poles has a problem with settling payments on time. Only in the first six months of this year this largest debt collection company serviced debts of over 2 million persons. That is why we need "Day without Debt". It shows that repayment cannot be postponed. It is a great opportunity to motivate oneself and make a first step towards solving a debt problem. Having in mind small forgotten loans from colleagues or neighbors, as well as the bigger ones - serviced by debt collection agencies.

Take action on a Day without Debt!

„Day without Debt” is an ideal moment to turn to people and institutions we owe money with a proposal of repayment.

In case of colleagues it is enough to say: "You know that today is a Day without Debt and I have borrowed a tenner from you once. I just thought that I probably haven't returned it. You know, it is a great opportunity to settle this case!".  And you may save your pride this way. 

But what to do with bigger debts in banks or other institutions? 

Often shame or lack of money for repayment make us avoid contact, not answer telephone calls, ignore calls for payment. Such situation cannot last forever. Sooner or later the case will make trial and bailif will come. It is the worst scenario because they entail additional expenses borne by debtor and enforcement of their property. Bailif may take over our income, seize our property and sell it on auction. People who are late with settling their payments can be reported to economic information bureau such as ERIF Register of Debtors. Then their  data will be available to every company wanting to check our reliability. And as a result we would not be able to get a loan, buy on credit or subscribe for mobile services.

Instead of waiting for the inevitable it is better to take an action and try to settle debt amicably. Then we won't need any bailif. How to do it?- "Day without Debt is coming soon and so I would also like to get rid of debts. I know I haven't contacted you before, but now on the Day without Debt I would like to talk about possible ways of repayment. I do not have the whole amount, but maybe we could split the debt into instalments - instalments I would be able to repay?". Such action has a high probability of success. People working in the debt collection companies want to find a way for debt repayment too. Therefore we can count on them in such cases. For example in KRUK splitting debts into instalments  is very popular among indebted persons. They sign tens of thousands agreements per year. On one hand agreements allow to settle arrears step by step and on the other they save you from trial, bailif and other consequences of avoiding payments.

Use the home budget calculator

At least once per year, on the Day without Debt it is worth to analyse one's home budget, consider all expenses and give up those that are not necessary. Debt calculator available at www.naszedlugi.pl will be very helpful in doing that. It helps to decide what amount can be saved monthly for debt repayment. And if your expenses exceed income, our special guidebook will advise how to deal with it. It is worth to remember that everyone can get into a debt trap and there is a solution to every situation. At www.naszedlugi.pl  one may avail of individual expert's advice on how to solve a debt problem during the whole year.