{"id":972,"date":"2024-11-22T11:36:28","date_gmt":"2024-11-22T11:36:28","guid":{"rendered":"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/"},"modified":"2024-11-22T11:36:28","modified_gmt":"2024-11-22T11:36:28","slug":"skolu-valdymo-planai-ir-kaip-jie-veikia","status":"publish","type":"post","link":"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/","title":{"rendered":"Skol\u0173 valdymo planai ir kaip jie veikia"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Pasak Niujorko Federalinio rezerv\u0173 banko, kredito korteli\u0173 skola JAV pasiek\u0117 nauj\u0105 auk\u0161\u010diausi\u0105 lyg\u012f \u2013 1,14 trilijono doleri\u0173. Ir nors daugeliui i\u0161 m\u016bs\u0173 sunku sumok\u0117ti neu\u017etikrintas skolas, pvz., kredito korteli\u0173 liku\u010dius ar asmenines paskolas, tai neb\u016btinai turi b\u016bti nuolatin\u0117 na\u0161ta. <\/p>\n<p>Skol\u0173 valdymo planai (DMP) yra vertinga priemon\u0117, padedanti asmenims \u012fveikti skolas ir jos sukuriamas finansines bei emocines i\u0161laidas ir pasiekti finansin\u0119 laisv\u0119. \u0160iame vadove su\u017einosite, kas yra DMP, kaip jie veikia ir kuo jie gali b\u016bti jums naudingi. Taip pat su\u017einosite, koks yra kredito konsultavimo agent\u016br\u0173 vaidmuo administruojant DMP ir ar skolos konsolidavimo paskolos gali b\u016bti geresnis pasirinkimas.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Kas_yra_skolos_valdymo_planai\" >Kas yra skolos valdymo planai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Kaip_veikia_skolos_valdymo_planai\" >Kaip veikia skolos valdymo planai?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Tinkamumo_nustatymas\" >Tinkamumo nustatymas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Skolu_valdymo_plano_pradzia\" >Skol\u0173 valdymo plano prad\u017eia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Pagal_skolos_valdymo_plana\" >Pagal skolos valdymo plan\u0105<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Pagal_skolu_valdymo_planus_padengtu_skolu_rusys\" >Pagal skol\u0173 valdymo planus padengt\u0173 skol\u0173 r\u016b\u0161ys<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#DMP_padengiamu_skolu_tipai\" >DMP padengiam\u0173 skol\u0173 tipai:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Skolu_tipai_kuriems_netaikomi_DMP\" >Skol\u0173 tipai, kuriems netaikomi DMP:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Skolu_valdymo_planu_privalumai\" >Skol\u0173 valdymo plan\u0173 privalumai<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#1_Paprastesnis_grazinimo_procesas\" >1. Paprastesnis gr\u0105\u017einimo procesas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#2_Mazesni_mokesciai_ir_ikainiai\" >2. Ma\u017eesni mokes\u010diai ir \u012fkainiai<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#3_Geresne_ilgalaike_finansine_sveikata\" >3. Geresn\u0117 ilgalaik\u0117 finansin\u0117 sveikata<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#4_Nuolatine_finansine_parama_ir_patarimai\" >4. Nuolatin\u0117 finansin\u0117 parama ir patarimai<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Kredito_konsultavimo_agenturu_vaidmuo\" >Kredito konsultavimo agent\u016br\u0173 vaidmuo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Licencijos_ir_sertifikatai_ko_ieskoti_kredito_konsultavimo_agenturoje\" >Licencijos ir sertifikatai: ko ie\u0161koti kredito konsultavimo agent\u016broje<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Skolu_konsolidavimo_paskolos_alternatyva_DMP\" >Skol\u0173 konsolidavimo paskolos: alternatyva DMP<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Kas_yra_skolos_konsolidavimo_paskolos\" >Kas yra skolos konsolidavimo paskolos?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Suprasti_skolos_konsolidavimo_paskolu_palukanu_normas\" >Suprasti skolos konsolidavimo paskol\u0173 pal\u016bkan\u0173 normas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Paskolos_mokesciu_svarba\" >Paskolos mokes\u010di\u0173 svarba<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Idealus_kredito_balas_skolos_konsolidavimo_paskoloms\" >Idealus kredito balas skolos konsolidavimo paskoloms<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/22\/skolu-valdymo-planai-ir-kaip-jie-veikia\/#Apatine_eilute\" >Apatin\u0117 eilut\u0117<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-what-are-debt-management-plans\"><span class=\"ez-toc-section\" id=\"Kas_yra_skolos_valdymo_planai\"><\/span>Kas yra skolos valdymo planai?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Skol\u0173 valdymo planai (DMP) yra strukt\u016brin\u0117s gr\u0105\u017einimo programos, kurias administruoja kredito konsultavimo agent\u016bros \u2013 ne pelno organizacijos, teikian\u010dios finansines konsultacijas ir padedan\u010dios vartotojams gr\u0105\u017einti skolas. U\u017euot sumok\u0117j\u0119 kelis skolos \u0161altinius, DMP reikalauja tik vien\u0105 m\u0117nesin\u012f mok\u0117jim\u0105 kredito konsultavimo agent\u016brai, kuri v\u0117liau sumoka j\u016bs\u0173 kreditoriams.<\/p>\n<p>DMP yra strateginis b\u016bdas sumok\u0117ti skol\u0105, leid\u017eiantis i\u0161vengti konsolidavimo paskol\u0173 su pal\u016bkanomis. Paprastai DMP apima tik neu\u017etikrintas skolas, tokias kaip kredito kortel\u0117s, asmenin\u0117s paskolos ir medicinin\u0117s s\u0105skaitos. Hipoteka ir \u012fkeista skola negali b\u016bti plano dalis.<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-how-do-debt-management-plans-work\"><span class=\"ez-toc-section\" id=\"Kaip_veikia_skolos_valdymo_planai\"><\/span>Kaip veikia skolos valdymo planai?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>DMP yra sukurta taip, kad apmok\u0117t\u0173 j\u016bs\u0173 neapmok\u0117tas skolas per penkerius metus, nors tai gali skirtis kiekvienam asmeniui. U\u017esiregistravus DMP, labai svarbu laikytis savo programos ir vengti papildom\u0173 kredito linij\u0173 ar praleist\u0173 mok\u0117jim\u0173. Tai gali neleisti jums pasiekti finansin\u0117s gerov\u0117s arba visi\u0161kai pakenkti j\u016bs\u0173 DMP.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-determining-eligibility\"><span class=\"ez-toc-section\" id=\"Tinkamumo_nustatymas\"><\/span>Tinkamumo nustatymas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pirmiausia tur\u0117site surengti kredito konsultavimo sesij\u0105 su sertifikuotu konsultantu i\u0161 patikimos kredito konsultavimo agent\u016bros. \u0160ios sesijos metu konsultantas \u012fvertins j\u016bs\u0173 finansin\u0119 pad\u0117t\u012f ir tinkamum\u0105 DMP, atsi\u017evelgdamas \u012f \u0161iuos veiksnius:<\/p>\n<ul class=\"wp-block-list\">\n<li>J\u016bs\u0173 biud\u017eetas <\/li>\n<li>Neapmok\u0117tos skolos <\/li>\n<li>I\u0161laid\u0173 ir pajam\u0173 santykis<\/li>\n<li>Bendras finansinis vaizdas<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\" id=\"h-starting-a-debt-management-plan\"><span class=\"ez-toc-section\" id=\"Skolu_valdymo_plano_pradzia\"><\/span>Skol\u0173 valdymo plano prad\u017eia<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jei manote, kad turite teis\u0119 gauti DMP, tur\u0117site galimyb\u0119 u\u017esiregistruoti. Jei nuspr\u0119site jud\u0117ti pirmyn, j\u016bs\u0173 kredito konsultavimo agent\u016bra:<\/p>\n<ul class=\"wp-block-list\">\n<li>Apmokestinkite s\u0105rankos arba registracijos mokest\u012f (paprastai nuo 30 USD iki 50 USD)<\/li>\n<li>\u012evertinkite m\u0117nesin\u012f paslaugos mokest\u012f (paprastai nuo 25 USD iki 50 USD)<\/li>\n<li>Susisiekite su kreditoriais ir tapkite savo s\u0105skait\u0173 gav\u0117ju <\/li>\n<li>Dirbkite su savo kreditoriais, kad susitartum\u0117te d\u0117l geresni\u0173 pal\u016bkan\u0173 norm\u0173 arba atsisakytum\u0117te mokes\u010di\u0173<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\" id=\"h-following-a-debt-management-plan\"><span class=\"ez-toc-section\" id=\"Pagal_skolos_valdymo_plana\"><\/span>Pagal skolos valdymo plan\u0105<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Vykdydama skol\u0173 valdymo plan\u0105, j\u016bs\u0173 agent\u016bra paprastai:<\/p>\n<ul class=\"wp-block-list\">\n<li>Reikalauti at\u0161aukti visas kredito korteli\u0173 s\u0105skaitas, \u012ftrauktas \u012f plan\u0105 (gali b\u016bti i\u0161im\u010di\u0173 \u012fmon\u0117ms arba kritin\u0117ms situacijoms)<\/li>\n<li>Surinkite i\u0161 j\u016bs\u0173 fiksuot\u0105 m\u0117nesin\u0119 \u012fmok\u0105, kuri padengia agent\u016bros mokes\u010dius ir i\u0161mokas kreditoriams<\/li>\n<li>Mok\u0117kite savo kreditoriams, kaip susitarta<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"h-types-of-debt-covered-by-debt-management-plans\"><span class=\"ez-toc-section\" id=\"Pagal_skolu_valdymo_planus_padengtu_skolu_rusys\"><\/span>Pagal skol\u0173 valdymo planus padengt\u0173 skol\u0173 r\u016b\u0161ys<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Skol\u0173 valdymo planai apima neu\u017etikrintas skolas, bet ne tam tikras paskol\u0173 r\u016b\u0161is ir u\u017etikrintas skolas, kurios kaip u\u017estatas naudoja asmenin\u012f turt\u0105. Jei turite sumok\u0117ti dideles u\u017etikrintos skolos sumas, kredito konsultavimo agent\u016bra vis tiek gali patarti mok\u0117jim\u0173 valdymo klausimais. Jei j\u016bs\u0173 u\u017etikrinta skola yra ne\u012fveikiama, galb\u016bt nor\u0117site pagalvoti apie bankrot\u0105.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-types-of-debt-covered-by-dmps\"><span class=\"ez-toc-section\" id=\"DMP_padengiamu_skolu_tipai\"><\/span>DMP padengiam\u0173 skol\u0173 tipai:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul class=\"wp-block-list\">\n<li>Kredito korteli\u0173 liku\u010diai<\/li>\n<li>Medicinos s\u0105skaitos<\/li>\n<li>Asmenin\u0117s paskolos<\/li>\n<li>Banko overdraftai<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\" id=\"h-types-of-debt-not-covered-by-dmps\"><span class=\"ez-toc-section\" id=\"Skolu_tipai_kuriems_netaikomi_DMP\"><\/span>Skol\u0173 tipai, kuriems netaikomi DMP:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul class=\"wp-block-list\">\n<li>Student\u0173 paskolos<\/li>\n<li>Hipotekos<\/li>\n<li>Paskolos automobiliui<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-debt-management-plans\"><span class=\"ez-toc-section\" id=\"Skolu_valdymo_planu_privalumai\"><\/span>Skol\u0173 valdymo plan\u0173 privalumai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>DMP idealiai tinka vartotojams, turintiems daug kredito korteli\u0173 ar kit\u0173 neu\u017etikrint\u0173 skol\u0173, kuri\u0173 jie negali \u012fveikti. \u0160tai keturi did\u017eiausi prisiregistravimo prie DMP privalumai.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-1-simpler-repayment-process\"><span class=\"ez-toc-section\" id=\"1_Paprastesnis_grazinimo_procesas\"><\/span>1. Paprastesnis gr\u0105\u017einimo procesas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>DMP sujungia visus j\u016bs\u0173 neu\u017etikrintus kredito mok\u0117jimus \u012f vien\u0105 m\u0117nesio ataskait\u0105. D\u0117l to tai daug lengviau valdoma, nei \u017eongliruoti keliomis ataskaitomis ir mok\u0117jimais skirtingiems kreditoriams. U\u017euot nustat\u0119 kelis banko gav\u0117jus ar pervedimus, jums tereikia nusi\u0173sti vien\u0105 mok\u0117jim\u0105 kredito konsultavimo agent\u016brai. \u201eTai suma\u017eina tikimyb\u0119, kad mok\u0117jimai bus praleisti, o tai gali sukelti papildom\u0173 mokes\u010di\u0173 arba dar labiau pakenkti j\u016bs\u0173 kredito balui\u201c, \u2013 SUCCESS pasakoja Joshas Richneris, \u201eFaithWorks Financial\u201c \u012fk\u016br\u0117jas.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-2-lower-fees-and-rates\"><span class=\"ez-toc-section\" id=\"2_Mazesni_mokesciai_ir_ikainiai\"><\/span>2. Ma\u017eesni mokes\u010diai ir \u012fkainiai<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>J\u016bs\u0173 konsultantas derasi su j\u016bs\u0173 kreditoriais j\u016bs\u0173 DMP prad\u017eioje, kad gautum\u0117te geresnius tarifus ir ma\u017eesnius mokes\u010dius. Tai gali atlaisvinti j\u016bs\u0173 biud\u017eet\u0105 kitoms i\u0161laidoms, kurios neapima DMP, pvz., hipotekos mok\u0117jimams ar paskoloms su garantija.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-3-better-long-term-financial-health\"><span class=\"ez-toc-section\" id=\"3_Geresne_ilgalaike_finansine_sveikata\"><\/span>3. Geresn\u0117 ilgalaik\u0117 finansin\u0117 sveikata<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Praleisti mok\u0117jimai, did\u0117jan\u010dios skolos ir ma\u017eas turimo kredito procentas gali greitai suma\u017einti j\u016bs\u0173 kredito bal\u0105 ir apriboti j\u016bs\u0173 finansines galimybes. DMP gali pad\u0117ti jums sumok\u0117ti laiku ir tvariai susidoroti su skola ilguoju laikotarpiu. DMP netgi gali pad\u0117ti i\u0161vengti bankroto, ypa\u010d jei kovojate su kalnu neu\u017etikrint\u0173 skol\u0173.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-4-ongoing-financial-support-and-advice\"><span class=\"ez-toc-section\" id=\"4_Nuolatine_finansine_parama_ir_patarimai\"><\/span>4. Nuolatin\u0117 finansin\u0117 parama ir patarimai<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Kredito konsultavimo agent\u016bros ne tik nustato biud\u017eet\u0105 ir finansin\u012f plan\u0105 DMP prad\u017eioje, bet ir nuolat teikia finansines konsultacijas. Kai kurie si\u016blo nemokamus seminarus ir kursus tokiomis temomis kaip kredito bal\u0173 gerinimas ir biud\u017eeto sudarymo pagrindai.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-role-of-credit-counseling-agencies\"><span class=\"ez-toc-section\" id=\"Kredito_konsultavimo_agenturu_vaidmuo\"><\/span>Kredito konsultavimo agent\u016br\u0173 vaidmuo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kredito konsultavimo agent\u016bros paprastai yra ne pelno siekian\u010dios organizacijos, si\u016blan\u010dios kredito konsultavimo, skol\u0173 konsolidavimo, biud\u017eeto sudarymo ir pinig\u0173 valdymo paslaugas. Jie veikia kaip finansiniai patar\u0117jai, daugiausia d\u0117mesio skirdami vartotoj\u0173 skoloms. Be \u0161i\u0173 paslaug\u0173, daugelis kredito konsultavimo agent\u016br\u0173 si\u016blo nemokamus seminarus ir internetinius seminarus, kurie pad\u0117s jums eiti teisingu keliu.<\/p>\n<p>Renkantis agent\u016br\u0105 ar agent\u0105 taip pat svarbu patikrinti j\u0173 \u012fgaliojimus ir \u012fsitikinti, kad jie yra teis\u0117ti, o j\u016bs ir j\u016bs\u0173 turtas yra apsaugoti \u0161io pa\u017eeid\u017eiamo proceso metu.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-licenses-and-certifications-what-to-look-for-in-a-credit-counseling-agency\"><span class=\"ez-toc-section\" id=\"Licencijos_ir_sertifikatai_ko_ieskoti_kredito_konsultavimo_agenturoje\"><\/span>Licencijos ir sertifikatai: ko ie\u0161koti kredito konsultavimo agent\u016broje<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kredito konsultavimo agent\u016bros gali pad\u0117ti pagerinti j\u016bs\u0173 finansin\u0119 pad\u0117t\u012f, ta\u010diau tur\u0117tum\u0117te b\u016bti tikri, kad dirbate su patikima, akredituota organizacija. Tai rei\u0161kia, kad jie turi b\u016bti sertifikuoti atitinkam\u0173 valdymo organ\u0173.<\/p>\n<p>Pasak \u201eTake Charge America\u201c asmenini\u0173 finans\u0173 konsultanto Michaelo Sullivano, \u201eYra dvi naryst\u0117s organizacijos, kurios gali teikti rekomendacijas. NFCC (Nacionalinis kredito konsultavimo fondas) ir FCAA (Amerikos finansinio konsultavimo asociacija). NFCC svetain\u0117 gali nukreipti jus \u012f akredituotas agent\u016bras, o FCAA gali pad\u0117ti rasti individualius kredito konsultantus, sertifikuotus j\u016bs\u0173 valstyb\u0117je.<\/p>\n<p>Taip pat galite patikrinti savo pasirinkim\u0105 su savo valstyb\u0117s generaliniu prokuroru, vartotoj\u0173 apsaugos agent\u016bra arba geresnio verslo biuru (BBB).<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-debt-consolidation-loans-an-alternative-to-dmps\"><span class=\"ez-toc-section\" id=\"Skolu_konsolidavimo_paskolos_alternatyva_DMP\"><\/span>Skol\u0173 konsolidavimo paskolos: alternatyva DMP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"wp-block-heading\" id=\"h-what-are-debt-consolidation-loans\"><span class=\"ez-toc-section\" id=\"Kas_yra_skolos_konsolidavimo_paskolos\"><\/span>Kas yra skolos konsolidavimo paskolos?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Skol\u0173 konsolidavimo paskolos yra atskiros nuo DMP. Nors abi galimyb\u0117s konsoliduoja j\u016bs\u0173 skol\u0105 \u012f vien\u0105 mok\u0117jim\u0105, skolos konsolidavimo paskola apima naujos paskolos pa\u0117mim\u0105 (da\u017eniausiai su ma\u017eesne pal\u016bkan\u0173 norma), kad i\u0161 karto gr\u0105\u017eintum\u0117te neu\u017etikrint\u0105 skol\u0105.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-understanding-debt-consolidation-loan-interest-rates\"><span class=\"ez-toc-section\" id=\"Suprasti_skolos_konsolidavimo_paskolu_palukanu_normas\"><\/span>Suprasti skolos konsolidavimo paskol\u0173 pal\u016bkan\u0173 normas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pagrindinis skolos konsolidavimo paskolos prana\u0161umas yra vienas mok\u0117jimas su suma\u017einta pal\u016bkan\u0173 norma. \u201eKai perkate paskol\u0105, kad suma\u017eintum\u0117te skol\u0105, \u2013 S\u0116KM\u0116S sako kredito trener\u0117 Jeanne Kelly, \u2013 svarbu rasti paskol\u0105 su palankia pal\u016bkan\u0173 norma. Prad\u0117kite nuo vietinio banko ar kredito unijos, nes jie da\u017enai si\u016blo konkurencingas s\u0105lygas.<\/p>\n<p>Renkantis skolintoj\u0105, Kelly priduria, kad prie\u0161 dalindamiesi savo asmenine informacija tur\u0117tum\u0117te atid\u017eiai i\u0161tirti bet kur\u012f skolint\u0105, kad \u012fsitikintum\u0117te, jog pasirenkate patikim\u0105 variant\u0105 su geriausiomis \u012fmanomomis s\u0105lygomis.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-the-importance-of-loan-fees\"><span class=\"ez-toc-section\" id=\"Paskolos_mokesciu_svarba\"><\/span>Paskolos mokes\u010di\u0173 svarba<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Be to, tarifai taip pat yra didesnio vaizdo dalis. Richner sako, kad vartotojai taip pat turi atsi\u017evelgti \u012f paskolos mokes\u010dius. \u201ePa\u017evelkite ne tik \u012f pal\u016bkan\u0173 norm\u0105. Atkreipkite d\u0117mes\u012f \u012f paskolos mokes\u010dius, paskolos termino trukm\u0119 ir visas baudas u\u017e i\u0161ankstin\u012f gr\u0105\u017einim\u0105, nes tai gali labai paveikti bendr\u0105 paskolos kain\u0105.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-ideal-credit-score-for-debt-consolidation-loans\"><span class=\"ez-toc-section\" id=\"Idealus_kredito_balas_skolos_konsolidavimo_paskoloms\"><\/span>Idealus kredito balas skolos konsolidavimo paskoloms<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yra keletas veiksni\u0173, turin\u010di\u0173 \u012ftakos skolintoj\u0173 si\u016blomai pal\u016bkan\u0173 normai, ta\u010diau j\u016bs\u0173 kredito balas yra svarbiausias, pasak \u201eEquifax\u201c. Ji rekomenduoja skolininkams, kuri\u0173 kredito balai ma\u017eesni nei 670, apsvarstyti kitas konsolidavimo galimybes, nes jie gali nerasti palanki\u0173 pal\u016bkan\u0173 norm\u0173. U\u017etikrinti ma\u017eiausi\u0105 \u012fmanom\u0105 pal\u016bkan\u0173 norm\u0105 yra labai svarbu, nes nuo j\u016bs\u0173 pal\u016bkan\u0173 normos priklauso, kaip greitai gal\u0117site patenkinti paskol\u0105 ir kiek sumok\u0117site pagrindin\u0119 sum\u0105.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\"><span class=\"ez-toc-section\" id=\"Apatine_eilute\"><\/span>Apatin\u0117 eilut\u0117<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Skol\u0173 valdymo planuose vartotojams si\u016blomos paprastos gr\u0105\u017einimo s\u0105lygos, taip pat nuolatin\u0117s gair\u0117s ir pagalba. Jei susiduriate su keliais dideli\u0173 pal\u016bkan\u0173 skol\u0173 \u0161altiniais, kreipkit\u0117s \u012f sertifikuot\u0105 kredito konsultavimo agent\u016br\u0105, kad i\u0161siai\u0161kintum\u0117te savo galimybes, net jei neu\u017esiregistravote DMP. <\/p>\n<p>Naudokite anks\u010diau pateiktas nuorodas, kad surastum\u0117te akredituot\u0105, geros reputacijos agent\u016br\u0105, prie\u0161 susisiekdami su ja, ir \u012fsitikinkite, kad esate patenkintas jos po\u017ei\u016briu. Labai svarbu pasirinkti tinkam\u0105 agent\u016br\u0105, nes santykiai grei\u010diausiai truks kelet\u0105 met\u0173. Jei rasite tinkam\u0105 agent\u016br\u0105 ir laikysit\u0117s kurso, b\u016bsite gerai pakeliui \u012f finansin\u0119 laisv\u0119.<\/p>\n<p class=\"has-small-font-size\"><strong><em>Nuotrauka suteikta fizkes \/ Shutterstock<\/em><\/strong><\/p>\n<\/p><\/div>\n<p><script>\n!function(f,b,e,v,n,t,s)\n{if(f.fbq)return;n=f.fbq=function(){n.callMethod?\nn.callMethod.apply(n,arguments):n.queue.push(arguments)};\nif(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';\nn.queue=();t=b.createElement(e);t.async=!0;\nt.src=v;s=b.getElementsByTagName(e)(0);\ns.parentNode.insertBefore(t,s)}(window, document,'script',\n'https:\/\/connect.facebook.net\/en_US\/fbevents.js');\nfbq('init', '771015053018992');\nfbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.success.com\/debt-management-plans-and-how-they-work\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pasak Niujorko Federalinio rezerv\u0173 banko, kredito korteli\u0173 skola JAV pasiek\u0117 nauj\u0105 auk\u0161\u010diausi\u0105 lyg\u012f \u2013 1,14&#8230;<\/p>\n","protected":false},"author":1,"featured_media":973,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[1793,11,1792,1791,606,1794],"class_list":["post-972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sekmes-istorijos-patarimai","tag-jie","tag-kaip","tag-planai","tag-skolu","tag-valdymo","tag-veikia"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/972","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/comments?post=972"}],"version-history":[{"count":0,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/972\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/media\/973"}],"wp:attachment":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/media?parent=972"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/categories?post=972"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/tags?post=972"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}