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If the period of insolvency last no more than a couple of months, you should officially contact the Bank to restructure the debts, the registration of a delay or just to waste time, although in this case, pay much higher. Not all banks exchange information about black lists of debtors. You can try to take the credit in other Bank, having covered the payment on the loan is already overdue. In no case do not need to avoid the Bank's employees, and not to answer their calls. This will only aggravate process, and can have a negative impact on Your future cooperation with this financial structure.
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