The number of people getting into debt problems has been increasing in recent years, as more and more get loans, thinking they are able to pay and then facing a quite different reality. Temptations are everywhere: good deals, low monthly payments, high-availability, less paperwork required. Get it fast, easy, and then deal with the payment head-ache. While other countries have been facing this issue for a while now, the issue is starting to also happen in Romania. And the offers to get credited easily keep coming: there are hardly any stores/shops/resellers not offering a mutually beneficial credit system. And you can buy anything with a simple loan or by applying for a credit card. Then the dept problems occur for some. Why, if their income is reviewed? Because such plans never take into account future issues that might require even more money. And one credit is easy, some say, two loans are doable...And then you are stuck. You need debt help. Not always a very developed service in all countries, but we can learn a bit from the experience of others. Some more articles on debt help here, here and here.  Labels: Business and Economy |
The word "temptation" is the key here. People do first and think later. While trying to make up a "speech", I mixed this temptation for money with the one for sex, since people "love each other" first, and deal with the "consequences" later.
Just like they do sex information campagnes (numbers and press release here, campaign site here), they should also do bank loan information campaigns.
The motto is the same: "Are you sure you know what you are doing? Really sure?", extended with: "Don't blame other later for your shallowness" (because most people will take the first questions lightly unless the second part is stated: "you'll get yourself into deep shit and there will be no one there to save you".