The rise of fraud cases committed by irresponsible individuals must indeed be used as a lesson to be wiser in choosing the right financial consultant, so that they can help you in being free from debt problems. Cases that are rampant often make the outstanding credit card holders become losers. Usually these irresponsible individuals will give sweet promises, with fantastic debt settlements or even promises of bleaching so that the card owner does not need to pay off a penny of the remaining arrears. In some cases, there are also credit card closing services that require your credit card to be recorded. In the end, the victim must pay a sum of money but without clear results, and the problem of the owner of the card is not finished and the existing debt continues to accumulate.
Speaking of credit card closing services there are actually a number of things that must be considered. Keep in mind that closing a credit card alone won’t solve the problem. So, even though in the end you use a trusted credit card closing service, make sure the service is also responsible for helping you to pay off all the remaining debt that is still in arrears. Closing a credit card is actually not difficult, you simply follow the procedures set by the bank. It’s just that, which often becomes an obstacle is paying off arrears that are still left in it.
Actually the safest way to start closing credit cards and paying off arrears is to use a service that provides a credit card debt management program or KTA. Companies like this usually have a variety of experienced consultants, who can help you in developing strategies to be free of credit card debt and KTA. Not only helps the closure process, you can also be helped in the repayment process so you can start a new start, live without debt. Usually services like this also do not provide grandiose promises, only it will ensure that the card owner can be completely free of debt and responsible for the remaining arrears he has. With services like this, you can usually be helped by strategies that free you from debt. This certainly saves your time and energy dealing with the bank. One of the services you can use is Alceste. The Alceste team is trusted and will guide you from the beginning of the process until you get a full statement from the bank. In addition, Alceste and you will find the best solution to pay off debts with an easy process.
To choose a more appropriate service, try checking whether the credit card closing service that you are considering has the following points:
When going to choose a credit card closing service, see if the promises they give are too grandiose or not. Some irresponsible individuals generally promise unreasonable discounts, for example up to 90% or even promising the elimination of interest. Even though this cannot be guaranteed, banks usually also have their own policies before giving relief. On the other hand there are also parties who promise bleaching, in other words the card owner does not need to spend any money to pay the remaining debts that are still in arrears. Of course this is suspect, however the debt that is already in arrears is the responsibility that must be resolved by the card owner. So, it doesn’t seem reasonable enough if the owner of the card will be eliminated from the debt burden just like that, unless the person in question has facilitated a credit card with insurance, and the concerned person dies or is permanently disabled.
In the right and credible debt management services, usually there will be no promises that are too grandiose. Usually the consultants contained in it will continue to remind that each piece / relief obtained by a client will be adjusted to the conditions in question. For example if a client gets a waiver of up to 70%, of course there are things that underlie it, for example because there are still hospital fees that need to be paid, arrears are ten years old or more, and other supporting factors. Back again, all the relief obtained will be adjusted to the client’s condition.
One thing that is usually most feared by credit card owners whose bills are in arrears is a visit from a debt colelctor. How not, usually a debt collector is always identified with abusive actions and threatening sayings. Usually those who claim to be a trusted credit card closing service will promise that the debt collector will not come to the house, even though of course this cannot be guaranteed, because it is indeed the duty of the debt collector to continue to collect the remaining arrears. It’s just that, at this time there are already restrictions that govern the procedure for collection carried out by debt collectors. Of course no service can promise a debt collecttor will not come home. In Alceste itself, we never promised that debt collectors would not come home. We understand that this is their duty. Usually Alceste consultants will provide guidance on how to deal with debt collectors.
Some credit card closing services will require you to pay a deposit. Before paying the money, make sure in advance whether the money can be returned or not (refundable). If you can, find out in full what are the terms and conditions so you can get the money back. In Alceste itself, there are usually a number of deposits that need to be paid. It’s just that the deposti money can be returned, provided that Alceste does not succeed in getting the negotiations at all within a certain period of time. Therefore, before making sure to pay the deposit money, make sure that the money is indeed refundable.
This is the most you should pay attention to. Beware if there are irresponsible parties and ask for your credit card. Credit cards have a variety of confidentiality data that you certainly need to protect. Of course it’s very dangerous if a credit card is given to a party that you don’t really know. With information such as the expiration date, CVV code, last name, credit card number, it will certainly increase the likelihood that your credit card will be used by irresponsible individuals. In Alceste itself, we highly respect the confidentiality of client data. Therefore, in Alceste never ask for a client’s credit card at all, as well as personal data contained on other credit cards.
When choosing a trusted credit card closing service, there are other things that you need to pay attention to, namely the clarity of address information and contact of the company. In cases that are often carried out by irresponsible individuals, usually such persons do not have clear office addresses and contacts. Not infrequently they often move locations or even change their names. In addition, make sure the contact number available is an official telephone number / hotline, and not just a mobile number that can change.
In Alceste, you can approach office addresses that are available both on the official website and on social media accounts. In addition, there are also telephone numbers that can be contacted during business hours and of course toll free.
Alceste International is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Alceste Indonesia helps clients through debt management programs, specifically designed according to different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. The Alceste Indonesia headquarters was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Alceste made Indonesia as the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Alceste Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).