Get any agreement in writing, and make sure the document states that your balance will be reduced to zero. Tell the lender: Look, I simply cant pay you and Im considering bankruptcy, says John Ulzheimer, a credit expert who has worked at credit scoring company FICO and credit bureau Equifax.
The minute you start using the BK word, they get real serious, because BK means they get nothing. Get any agreement in writing, and make sure the document states that your balance will be reduced to zero.
In official terms, you want the debt exhausted. If you fail to settle, make sure you know how to deal with debt collectors because their kotak bank personal loan interest rate 2017 can be intense: collections agents showing up at your workplace, calling you 10 times a day, and threatening to sue or report your delinquency to the credit bureaus. Key personal loan court summons. If you think collections agencies dont bother to sue for small amounts, think again.
Never ignore a lawsuit.
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