in 2010, Jukka career looked promising. Less than fifty years old man had advanced quickly in the workplace and enjoyed the work greatly. Energetic family man doing his day job in addition to freelance through her own company, so money will accumulate to be enough big to support a family.
the economic difficulties started when Jukka suddenly fell ill. Health problems due to the decrease in income led to the decline and recovery of the letter stacks began to gradually increase.
in Desperation, Jukka started to pay maturing bills low, but high interest rate consumer loans. Debt delved into the unreasonable, at the latest when he began to set off a new loans back to the old consumer credit.
oversized for increased consumer credit along with a big mortgage with met life money worries. In the end Jukka did not know anymore what he was owed and how much. Child of the family in everyday life also, the surprising expenditures arise constantly.
Debt snowball grew unnoticed into a huge. I was accustomed to do, and I don't want to admit economic difficulties even to myself. I did constantly new debt restructuring, in order to even out take a man stays happy, Jukka tells.
at Worst, the consumer credit was accumulated from the different loan providers, from a total of around fifty thousand euros. Jukka ashamed of their situation and even contact the debt advice begins to feel too big on the doorstep. The bank received in service he experienced tylyksi.Help to find a loan combination
Until a year later Jukka encourage his wife with the support to admit to himself how serious the situation had changed. They draw up an honest table about how much of the debt of the principal was spent monthly money. Mortgage repayments in addition to other debts sank to the monthly level for nearly two thousand euros.
Yucca found in the last year, the network also loan calculator, through which he tendered loan several different banks and between financial institutions. Counter made her the finished proposal for how the tens of a separate fee agreement instead of really would be more profitable to pay off the debt one, larger loan.
I Decided, that towards the truth, even crying. We recorded all my debts up, so I got a realistic picture of my situation. Itself is really easy to be led astray for long periods of time. Shame is so powerful, he wondered.
36 500 eur collateral credit loan Jukka chose the twelve year payment period. There would have been also the possibility of instalment-free months, but Jukka did not want to use. Currently, he shortens the take over of the loan to less than four hundred euros per month.
-the end of the Tunnel finally visible light. I feel that I now have the resources to focus on other than the continuing debt arrangements think. One of the loan shortening brought much-needed clarity to a very complex situation my, Jukka said.
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Interviewee name has been changed.