Visit us if you want a loan with bad credit

Finesh is a financial broker who offers quick online loans. The company has entirely Polish capital, allowing clients to draw up to PLN 1,500 when signing the first contract. They draw cash without leaving home, distributing the money according to their own needs. Applying for a loan takes no more than a few minutes. After watching the instructional video, you’ll find that applying for money is easier than you thought.  

Finesh provides 2 types of loans, for people running a business in the amount of PLN 300 to PLN 5,000 for a period of 30 days, and the first loan of up to PLN 1,000 is free and for individual clients in the amount of PLN 300 to PLN 5,000 for a period of 30 days .

Finesh – offer details

Finesh lends clients not only PLN 1,500. It also allows for higher amounts, as long as we are loyal customers. Money should be returned within 30 days, making sure to pay in time. The offer is available to people between 20 and 75 years of age who are Polish citizens and do not have any debts. They should also have a bank account and a mobile phone.

If necessary, it is possible to extend the repayment date. The customer decides for himself during which period he will be able to return the commitment. With a request to extend the deadline, he must report to the Customer Service Office, presenting dates convenient for him. Lack of loan repayment and setting new terms for its return results in the necessity of incurring consequences of non-payment. Debt collection costs are just one of the consequences that an unreliable customer will have to face. A much worse result for him is an entry to the Economic Information Bureau (ERIF, KRD or BIG InfoMonitor) and to the Credit Information Bureau. So how do you get a loan from Finesh?

What is necessary for registration?

To prepare for registration, we should have:

• Internet access
• Mobile phone
• ID card
• Bank account

Finesh – the process of taking a cash loan

After searching for payday loans in the Pozyczkaportal.pl comparison engine, you can start the process of applying for financial support. You should:

• Click on the ‘Take a loan’ link which will direct us to a page that allows you to apply for additional cash. You need to select the amount and number of days you want to pay, and then complete the basic details. Remember that the first contract is for PLN 1,500. You can apply for up to PLN 5,000 with your next contract. The repayment period is always a maximum of 30 days.
• The next stage is confirmation of personal data. To this end, a verification fee should be transferred to the lender’s account. It amounts to PLN 1.
• If Finesh accepts our application, we can expect a transfer. The lender immediately launches the loan, but the speed at which the amount is credited depends on which bank we have our account in.

Benefits of taking a loan in Finesh

A loan in Finesh brings only benefits:

1. We can apply for up to PLN 1,500 when signing the first contract
2. If we are regular customers, Finesh allows us to borrow much larger amounts
3. It is possible to extend the repayment date in the event of problems with payment
4. You can include interest in the costs of our company
5. Both regular and new customers can count on attractive bonuses. It is worth being up to date with the current lender’s offer

This is often the financial investment of a lifetime.

Only 58% of French households in 2015 own property and they were already 54% in 1987.

The result of figures that is explained by a long period of stagnant inflation in the real estate market. In addition, the democratization of consumer credit limits access to mortgage credit

Nearly one third of French people thus have insufficient capacity to repay a debt of money, and thus an inability to claim the status of candidate borrower for real estate accession. Often, those are the personal loans contracted to consume consumer goods and services that are involved in this ineligibility.

Renouncing a real estate project, which is more the purchase of his principal residence would be a shame. Solutions exist, that’s why Price Price puts at your disposal a team of expert consultants in Pricement to help you realize your project and avoid the pitfalls of real estate credit!

The key steps for good project

Determine your personal contribution

Before realizing your real estate purchase, it is essential to estimate the amount of your own funds that will be injected into the project.

If the banks advise a minimum contribution of 10% in relation to the cost of the building that is the object of the acquisition, this is not a contractual condition to be eligible for the Pricement by mortgage.

In fact, it turns out that each borrower file is particular to its own case, and requires a thorough study of the applicant’s financial situation in order to define the most favorable granting conditions possible.

As part of the acquisition of the principal residence, it is appropriate to present a personal contribution to ensure at least the expenses of notaries or more.

Conversely, when it comes to a rental investment, it is desirable to pay the sum of money borrowed, as much as possible by means of the bank loan. In fact, loan interest is fully deductible from the property income to be collected.

Moreover, it is imperative to keep a cash envelope in the event of unforeseen circumstances leading to one or exceptional expenses (car breakdown, high financial costs, etc.).

Evaluate your debt capacity

Before considering any investment it is necessary to estimate the amount you can claim under the real estate subsidy.

Indeed, it is useless to choose a property when you are not sure of the feasibility of your project.

In order to have an objective and precise idea, it is recommended to contact an expert investment consultant. From the income and the sum of the monthly expenses to bear, it is determined in percentage the debt ratio of the household.

Thus financial charges must not exceed 33% of household income. If this is the case, use the services of credit broker Price Price is a tailor-made solution to reduce the budget debt through a restructuring of debts and debts, and thus optimize the management from the budget.

Find the good of your dreams

After having tied up the pecuniary part of the project, it is then necessary to find the ideal good. For several years, one can only note a strong real estate speculation that tends to persist. To avoid this phenomenon, nothing better than to be patient before committing.

Thanks to the internet, it is now possible to know the price of the m2 according to the region.

In addition, structures are now specialized in energy analysis and the study of compliance with building regulations.

Negotiate the best terms of Bank Deposit

Competition is fierce between the various banking organizations. One often believes that the bank to which you are faithful will make the best proposal. This is false because the mortgage is today a product of appeal for financial institutions.

Even if the interest rate is a major element, it is also essential to compare the cost of insurance and the quality of the cover.

Finally, we must take into account any fees and refund penalties not anticipation.

The same nature of Pricement for various realities

The purchase of the main residence

This real estate project is to differentiate from other real estate investments. Indeed, it is a major turning point in the life of a home.

In addition, as part of this real estate purchase, the investor can benefit from special advantages.

Thus, first-time buyers, who had not owned their home for at least two years, are eligible for the Zero-Rate Loan. The latter is a state-sponsored no interest refund.

As part of this acquisition, it is recommended to have sufficient personal contribution to pay the notary fees and related expenses.

The relay loan

In practice, this nature of borrowing allows Pricer a real estate object pending the sale of real estate or a return of money in the short term (maximum 2 years).

It is the realization of the expected event that will result in the repayment of funds advanced by the bank.

Given the inertia of the real estate market, this type of Pricement is risky by nature. In order to avoid any unpleasant surprises, it is best to make sure that you will be able to honor the refund, for example by signing a sales agreement.

Rental investment

Unlike other Real Estate, buying a rental property is an investment in profitability.

The buyer will generate profits as soon as the lease.

Often it is a project that is associated with a desire to tax. As part of a number of tax exemption mechanisms, the owner will enjoy significant tax privileges while supplementing his business income.

Buying a second home

It is an investment “favorite” par excellence.

It is often realized to please and not for a question of utility.

It is possible to call on the mortgage loan, always taking into account the household debt ratio, even if the real estate is abroad.

Grouping real estate loans: the solution to realize your projects in peace!

If you have a real estate project without the ability to borrow the cash needed for home ownership, then we have the answer to your problem…

That’s it ! You have made the decision to acquire a property as a residential use as a principal residence, or as an investment to collect long-term additional income of the property type from rent received? Or in the optics to carry out work for the improvement of your habitat?

All the aforementioned ideas require for their realization. The mortgage is the most suitable for its types of projects. However, we must be careful to avoid the pitfalls of home loans!

Real estate credit, weapon of seduction

It should be noted that banking organizations have the product of appeal mortgage credit to attract new customers in their establishment. A strategy benefiting the banking organization allowing a sorting upstream, and that all depending on the potential profit per customer.

The eligibility criteria in place are usually the amount of household income and the capacity of the potential savings of the client(s). Of course, the domiciliation of wages is mandatory, and also the establishment of one or more programmed savings.

Or the subscription to various products such as home insurance, auto, or consumer credit, etc. This translates into getting the best interest rate for the from his real estate credit in exchange for subscribing on the long term to various services offered by the bank.

A cost-effective formula for the banks of the bank!

Play the competition for credit

When a bank account is opened for the establishment of a mortgage is that the financial profile of borrowers is profitable through its ability to repay the loan, to consume paid services such as credit card, etc. Conversely, the mortgage loan is refused upstream, and the opening of account does not take place. If the customer is profitable, then he can afford the luxury of playing the competition.

In order to be advised at best on the most advantageous financial arrangement, and most adapted to your real estate project, it is recommended to call a broker. It is not necessarily the current bank of the client(s) that will make the best proposal of at the best cost. So you have to play the competition. That is to say, undertake the tedious step of knocking on the doors of all banks to get the best interest rate.

The broker is an intermediary in banking operations and payment services (IOBSP) who knows all aspects of mortgage lending and, it is a real guide to getting a loan buyout. He intervenes by representing the case of of his customers with all the biggest banks of the market. In other words, it makes the competition for its borrowing customers and chooses the bank or financial institution that makes the proposal of the most advantageous in terms of rates, etc.

Last year, investors sold nearly 22.3 thousand. apartments. Their buyers were individuals and enterprises who decided to buy the premises for cash. Why such a change among consumers? It results from the good economic situation and the constantly rising price of flats. How much has their value increased in the last year? 

22.3 Thousand apartments sold in a year

Housing prices are constantly rising. Developers have felt this and in the last four quarters they have seen a drop in the volume of residential sales. However, they did not experience any financial losses. A smaller number of flats sold for a higher price also brought a satisfactory income.

The Compcurier.inc portal has verified the current activities of listed developers. Observation shows that despite the growing value of flats, Poles are more and more willing to buy them. What’s more, the investment is financed not by mortgage, but cash. Already in the second quarter of this year, the largest developers sold almost 5.7 thousand. apartments. It’s almost 3 percent. more than a year ago. Last year, real estate market leaders sold over 22.3 thousand. apartments.

Real estate a way to invest savings?

The number of recently sold apartments is not falling, and is even growing. It is caused by thicker wallets of Poles and good economic situation visible on the market. Citizens are increasingly willing to invest their savings in their apartments. Due to the increase in their value, it is becoming more and more profitable.

Domiport’s report, implemented in cooperation with Sec.Garyl.inc says that housing prices have risen by as much as 11 percent last year. It is due to a higher rate of land or building materials. The value of the premises does not deter investors, however. They are increasingly willing to buy apartments for cash. Perhaps this is a good decision at a time when interest rates on deposits and keeping cash on them does not bring much profit.

Everyone has already heard of Pokemon Go. In Finland, players are constantly seen in the streets and parks. If you are thinking about spending money on a game, think carefully about where it is best to invest and not.

If you want to do a small business while playing, you can do it too. Many have managed to do and do small business with Pokemon Go.

If you are more attracted to gaming and financial thinking, check out our list of financial games!

Countless business opportunities

At least in the US, tired players are already being offered rides to catch Pokémon in the style of Uber rides. Bus tours have also been provided. The buses stop at pokestops, gyme, and provide pokem eggs hatching services. Buses also have recharging points for phones. If sitting on the bus sounds too time consuming, you can hire another person to walk for you and incubate your pokemoon! Price is based on kilometers.

Businesses can also use P okestops: in the US, a girl sold goodies to a Pokestop near her home to hungry players, and in Japan, for example, companies can sponsor Pokestops.

You can also earn by playing: Higher level Pokemon Go accounts are available on a large scale on Ebay! Also Poketree site is a marketplace where you can buy or sell ajopalveluita, for example, accounts, and anything else related to the game.

Businesses are also attracting customers with Pokemon

Pokemon has also brought in additional revenue for many businesses: Shops or cafes warn being close to Pokestops, which will bring in more customers. In Finland, Elisa organized walking tours for beginners and advanced players in Helsinki. The age limit for free guided walks was 15 years.

How do I buy items on Pokemon Go?

If you want to buy merchandise (such as those famous poker balls!) In Pokemon Go, it is obvious that you cannot traditionally cash in a nearby kiosk, but need a slightly more advanced payment method.

Usually, on mobile devices, payment is made by combining your credit card information with, for example, Google Play or the Apple Store, which are virtual marketplaces. For example, when you buy poker balls, your credit card will be charged. At Pokemon Go, accessories start at $ 0.99.

If you are not interested in the benefits of credit cards, such as travel insurance, you may consider annual credit cards issued by Nordea, such as the Stockmann credit card. If you are a customer owner, you can also get an annual credit card from S-Bank.

What players should spend money on – and what not

No need to buy Pokeballs: It is not profitable to buy Pokeballs as they are always available at Pokestop, which is available almost everywhere. However, if you live far from cities in sparsely populated rural areas, the situation may be different for you. In this case, poker balls can be a good buy because there are simply no poker tops.

Nick Johnson, the first player to catch all the Pokemon available in the United States, says Pokémon hatcheries / incubators are the best and most profitable investment for those who want to spend money on playing Pokemon. Nick also recommends the purchase of walking shoes. Read Nick’s other tips from Business Insider!

Phones can also be equipped with various hacking tools. For example, they can trick your phone’s GPS into catching Pokémon on the move, just like in a normal smartphone game. However, there are risks involved in using scams, as you may be banned from the game. Among other things, Craigslist offers a variety of hacking providers.

Are you sure you want to invest in your Pokemon Go account? Buy an apartment near Pokestop!

The biggest and most unfair advantage for Pokemon Go players is their home or office near Pokestop. Some are able to visit Pokestopes even from their bedrooms.

The good thing about Pokemon Go is that it encourages you to go out with your friends and not take a taxi or collect pokeball balls while lying in bed. However, it is important to keep in mind moderation, also in terms of spending money, and be careful not to cause a huge increase in your credit card bill.

The provider provider Conseil firm puts at your disposal its advisors specializing in credit redemption, to allow you to mount your loan consolidation file with confidence and be able to benefit from the most advantageous offer of the moment. Discover 2 examples of credit redemption.

Example 1: Repurchase of tenant credit

He is a tenant of an apartment located on the outskirts of Marseille. He had to appeal to several credit organizations to settle in his new home (appliances, interior equipment, etc.). He also took out a car loan to buy a vehicle and to go to his place of work because his car no longer met the standards of the technical control.

However, the settlement of its monthly rent and the accumulation of monthly installments of credits stifle its purchasing power and no longer allow it to finish the end of the month calmly.

He therefore inquired about the purchase of credits, an operation that consists in grouping all his credits into a single loan.

He has contacted a consultant specializing in the purchase of credits in order to reduce his monthly loan repayment charges. He enlisted the services of the provider Cabinet provider Council via the website.

After the study of his file by a specialized financial advisor, He benefited from a repurchase of credit and a global loan taking over all his loans. A single monthly payment now allows him to find more flexibility in his budget and to finish the end of the month without worry.

Example 2: Credit buyback for an owner

They have two children, and own their home located in Toulouse. In recent years, they have taken out several loans for the purchase of their home, but also to replace one of their vehicles, providerr the university studies of their eldest son as well as for other projects.

Today, they want to install a veranda to improve the comfort of their place of life.

They contacted an advisor provider provider. After an analysis of their needs and their financial situation, the family was able to benefit from a loan buyback combining all their loans in a single loan, allowing them to have only one and only monthly payment.

This repurchase of credits with restricted cash allows They of providerr their new project of installation of veranda.

As you own, you want to do work and reduce your monthly payments? Ask yourself a free and confidential study, one of our advisors reminds you to answer your inquiry!

Outline of provider provider solutions

• Employees, Net income € 2,235 and € 1,920/month
• Owner of their main residence, value 350 K €,
• Credit in progress: Purchase land + construction CRD 19 000 €, House work: 16 000 €, Car: 9 000 €, and 2 Loans Conso for 4000 €
  Current indebtedness 35%

Their project:

• Acquisition of an apartment in Spain: purchase price 69 K €

The financial arrangement:

• Purchase price 69 K €
• Repurchase of current loans for 49 K €, 20 K € of cash (10 K € for the providerment of the higher studies of one of the two children, 5 K € to develop the apartment and 5 K € in cash of comfort

The providerment:

• Loan of 149 K € over 21 years, fixed nominal rate 1.85%
• Monthly payment 713 €
• Debt after operation 17%
• Residual of 3400 € approximately
• Secured on the main residence in France

Mrs FRANCOIS: project acquisition of an apartment by the sea in main residence

Mrs FRANCOIS, 74 years old, widow, retired

• Net income 2130 €/month
• Owner of a house worth 60 K €
• Current credit: Car 9,400 €
• Current indebtedness 12%
• No personal contribution

His project :

Acquisition of an apartment by the sea: purchase price 85 K €

The financial arrangement:

• Purchase price 85 K €
• Agency fees 7K €
• Provision for transfer costs 7 K €

The providerment obtained:

• € 117K loan over 20 years, fixed nominal rate 1.85%
• Monthly payment 585 €
• Debt after operation 27%
• Residual of 1545 €
• Guaranteed on the main residence and the property by the sea

The client was able to obtain the providerment for the acquisition of a property as a new principal residence, without recourse to the bridge loan. She can sell her property without haste.

Mr and Mrs THOMAS: project acquisition secondary residence of a Flat in Paris + Works

• Mr and Mrs THOMAS, married, 41 and 43 years old, both of them, 4 dependent children (5, 5, 10 and 16 years)
• Salary Mr 5600 €/Mrs 3 700 €
• Owner of 2 Apartments rented 460 € each (CRD of 180 k € for 994 €/month (not included) and 53 K € for 640 €/month.
• Owner of their PR, Value € 290k
• Current loans: Real estate 83 K € and Monthly payment 1,820 €, Car loan 38 K € monthly payment 810 €, Work loan 14 500 K € monthly 510 €
• Current debt 40%

Their project:

Acquisition of a Paris Apartment + Work: purchase price 446K €

The financial arrangement:

• Purchase price 446 K € including 7 K € agency fees
• Works 35 K € (plus 4 K € free cash)
• Provision for transfer costs 33 K €

The providerment:

• Loan of 708 K € over 30 years, fixed nominal rate 2.45%
• Monthly payment 2804 €
• Debt after operation 35%
• Residual of 6864 €/month
• Guaranteed on the main residence, the property purchased and one of the two rentals

Mr RUELLE: project acquisition of shares of SCPI

Mr RUELLE, 64, wants to buy shares in SCPI

• Retirement 2100 €, rent collected 435 €/month
• Owner of their RP, value 240 K €
• Owner of a rental property, value 105 K €
• Current credits: Real Estate CRD 51 K € monthly 897 €, Car Loan 4 K € monthly 140 €
• Current indebtedness 42%

His project :

Purchase of SCPI shares: purchase price 75 K €

The financial arrangement:

• Purchase price of SCPI shares 75 K €
• Repurchase of outstanding loans for € 51K and € 4K

The providerment obtained:

• € 138,000 loan over 15 years, fixed nominal rate 1.55%
• Monthly payment 865 €
• Debt after operation 35%
• Residual of 1583 €/month
• Security interest on the principal residence

Mr and Mrs POULAIN: project of setting up a PINEL tax exemption plan

Mr and Mrs POULAIN, 50 years old, married 2 children with charges.

• Employees, Net income 3598 € and 2544 €/month, rent 610 €
• Current indebtedness 21%.
• Owner of their main residence, value 530 K €
• Ongoing credit: Purchase of land + construction CRD € 176,908 remaining term 25 years (3.95%), Revolving credit € 21,500 (14.60%).

Their project:

• Restructure their home loan through a repurchase of credit and providerr their PINEL tax exemption project.

The financial arrangement:

• Repurchase of outstanding loans for 176,908 € and 21,500 €, 1 K € of cash

The providerment obtained:

• Loan of € 211,000 over 22 years, fixed rate 1.85%
• Monthly payment 984 €
• Future debt of around 16%
• Residual of 5158 €/month
• Secured on the main residence in France

The transaction allowed customers to reduce the total cost of their credit by repurchasing the revolving credit at a fixed lending rate of 1.85% and reducing the term of the mortgage. The wealth management advisor has in the continuity of operations financed the customers as part of a PINEL.

On the non-banking market, the first online loans without fees have become a standard. This means that new clients of a given company only give away capital. They do not pay interest, commissions, preparation fees or other non-interest costs.

Outer material

Non-bank loans, in other words quick loans or payday loans, are granted by entities other than banks. These are most often credit brokers. These include, for example, the Wise Company.

Reliable lenders put all the most important information about themselves on their pages, e.g. in the regulations of the service. There we will find address and KRS number.

The amount of non-bank loan online

The minimum amount of a non-bank loan is generally PLN 200. The maximum amount is around 3-4 thousand. PLN, while regular customers – when diligently fulfilling their previous obligations – can borrow more.

Due to the easy availability of loans for small amounts, non-bank loans are a good solution for those who need a quick and not too big financial injection. Banks are rather reluctant to grant small loans.

The amount of the first loan over the internet

Many loan brokers grant their clients a first loan of no more than 1-1.5 thousand. zł. Along with the subsequent receivables settled by the consumer, the limit of the amount that can be taken increases.

With a third or fourth loan, it is higher, e.g. by PLN 500. When we borrow for the fifth or sixth time, we can apply for PLN 1,000. PLN more than the first time. With each subsequent loan, the limit increases by up to 2,000. zł.

Such a system provides security for the service provider. He can be sure that the person taking the debt will be able to pay it back and will do it systematically. It also supports customer loyalty.

First loan for free in practice

Some companies in the non-banking sector offer customers the option of taking their first loan for free. This means that they do not charge any fees that are usually associated with such a service.

In other words, the borrower gives back as much as he borrowed, i.e. the capital itself. It is not charged with any commission, interest, preparation fees, application fees, initial fees, etc.

Example. A person who wants to borrow 1 thous. PLN for 30 days, must pay approx. 260-300 PLN only interest. Thanks to the promotion, it can save this money.

Extension of the payday loan repayment period

If the customer knows that he will not be able to settle the debt within the time limit specified in the contract, he should contact the lender immediately.

Usually, the company providing payday loans allows you to postpone the repayment date – on the conditions specified in the regulations. Usually, this involves paying a commission for such an activity.

Requirements for those interested in a quick loan

The most important conditions for applying for a non-bank loan are four criteria:

• Polish citizenship
• coming of age or completing 20 or 21 years of age (depending on the requirements of a particular company),
• permanent employment,
• no entry in the National Debt Register.

The money borrowed must be returned. When the debtor consistently avoids paying his debts, he cannot blame the creditor for trying to get his money back. One of the actions that may be against the debtor is debt collection proceedings. Although the word “proceeding” is very exaggerated, because debt collection is not subject to special legal restrictions. What rights can a debt collector use?

Debt collector is not a bailiff!

The debt collector certainly can’t just enter your home and take away valuable things. This is not a bailiff. Debt collector is a representative of a private company specializing in debt recovery. Usually, loan companies use such companies. Banks usually have their own debt collection department, which acts directly on behalf of the bank.

It should also be remembered that loan companies as well as private creditors can sell debt to a debt collection company. In return, they receive a certain part of the commitment and waive the right to seek recovery. All rights in this situation are taken over by the company, which from that moment becomes a new creditor. And it has exactly the same rights as the former creditor – including the possibility of going to court.

What qualifications does an employee of a debt collection company have?

The profession of debt collector is not particularly regulated by law. However, based on the provisions of the Penal and Civil Code, we can, however, specify behaviors that are completely prohibited. We’ll talk about them in a moment. Let’s start with what a debt collector can do. Considering that the debtor must express a willingness to cooperate, the debt collector has practically no powers when he is faced with refusal or no response. In such a situation, it remains for the creditor to take legal action. Debt collection aims to settle the matter amicably. The debt collector may, therefore, try to contact you and try to convince the debtor by legal methods to pay the debts.

What a debt collector cannot do

Unfortunately, many debt collection companies still rely on aggressive behavior designed to intimidate the debtor and force repayment. If the debtor is able to present evidence of such behavior (e.g. recording of a conversation), he may seek legal assistance and accuse the debt collection company of unfair practices. In this way, you can even get high compensation or lead to the closure of the debt collection company. Unfortunately, such situations are rare. What is the behavior of the debt collector unlawful?

• the debt collector is not allowed to enter our flat without our consent.
• the debt collector may make contact attempts, but too frequent and persistent attempts may be considered harassment. Especially when the debtor clearly avoids confrontation.
• the debt collector may not occupy property belonging to the debtor.
• Debt discussions with third parties (e.g. family or neighbors) are not allowed.
• the debt collector must not threaten, intimidate or use other forms of violence.
• the debt collector may not require the debtor to show his financial standing.
• it is also illegal to charge additional fees without the debtor’s consent. The exception is penalty interest for late payment of the obligation.

Is it worth negotiating with a debt collector?

However, it is worth considering one issue. Is ignoring a debt collector when the claims are fully justified by reasonable behavior? Not necessarily. The creditor will not give up as easily, especially when the debt relates to big money. Debt collection is an attempt to settle the matter amicably in such a way as to avoid additional costs associated with taking legal action. It may therefore turn out that finding a compromise will save us many worries and will save assets from the bailiff. Considering these unpleasant perspectives, it is worth at least listening to the proposals of the debt collector and thinking about possible solutions to the problem.