Bank Credit

The main rule: go to the bank first, do not hide, do not wait for the debt to disappear or you will be forgotten about.

Even if collectors do not call you or write to you from the bank, it does not mean that you are forgotten and your debt is forgiven. Interest accrues, the debt grows, and your credit history deteriorates.

Moreover, many banks stipulate in the agreement that the borrower is obliged to inform the bank immediately if his financial situation worsened so much that he would not be able to repay the credit on time. That is, if you do not pay and keep quiet, you are breaking even more rules.