Experience Galbay Pinjol There is no need to be confused dare to negotiate, submit reconstruction, and report

RADAR TEGAL - Online loans, aka pinjol, are still an alternative choice, so diverse that they don't pay attention to whether the chosen lender is illegal or not. There are some people who experience galbay loans, which have extraordinary effects, one of which is being visited by a debt collector.

Debt collector terror, minimal ethical collection procedures, threats, criticism, and terror unsettle the public. Or it could also be that because loan restructuring is not running optimally, it is not uncommon for various problems to arise.
One of them is bad credit until it fails to pay, or Galbay. When you experience Galbay, you don't need to worry. There are several solutions that might be alternative choices, such as reporting to the OJK, negotiating, and reconstructing.

Negotiation

When experiencing loan default due to difficulty paying off debt, the steps that can be taken are to negotiate. This method seems to be the best solution because it can reduce the amount of interest and fines so that, from negotiations, the amount of interest continues to shrink.
This method allows customers to pay off or pay debt installments with low interest. This is recommended and suggested as an effort to ease the burden of debt, but one should not ignore the obligation to pay installments according to the agreement.

Selling Assets

Another step can be tried by selling assets if the negotiations fail. It looks unique indeed, but how else is there no way out, like houses, gold, and land?

Perform immediate restructuring

If you experience a loan default, you don't need to be upset when you have difficulty paying off your loan debt; immediately do a restructuring. The goal is to ease the debt burden, but that doesn't mean the debt is forfeited or erased.
Instead of getting the desire to pay debt installments, and the debt still has to be repaid. Restructuring is indeed different and unusual because the installment payment process is reduced, but debt relief is not arbitrary.
Only people who are chosen based on a later assessment of a consensus agreement between the debtor and the leasing party or the bank In this way, the debtor can extend the time period and add facilities to reduce interest rates.

OJK report

If you experience a galbay loan, you can immediately report it to the OJK on the complaint submission form, then fill in the requested form correctly. First, select the problem and the name of the company, then describe the problem you are experiencing.
Don't forget to fill in personal data such as the KTP number, telephone number, and address. Follow the next instructions completely and clearly, and make sure the company name is clear, because an error in choosing a company cannot be followed up.

Illegal loan blocking

If restructuring and negotiations have been tried but still do not provide a solution, then the government may be forced to block illegal financing companies.
Blocking of online loan companies after complaints or victims based on crawling data by SWI Crawling data usually comes from websites or other valid sources. If proven, SWI immediately makes a report to Bareskrim Polri, considering that SWI is not a law enforcer.

Galbay continues to mold

The phenomenon of default today continues to grow even though various methods have been used that seem to have no deterrent. This is because online loans have become a lifestyle, and now companies are even emerging that offer loan jockeys.
Pinjol jockeys are a group of people offering services to help eliminate default, or galbay. Even though it helps, be careful because personal data could be misused. The risk of fraud and not having control over loans are some of the dangers of loan jockeys that need to be watched out for from now on. (*)

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