adósságtörlesztés
Adósságtörlesztés, also known as debt restructuring or debt settlement, is a process by which a debtor and creditor(s) agree to modify the terms of a debt, typically to make it more manageable for the debtor. This process can involve various actions such as reducing the principal amount owed, extending the repayment period, or changing the interest rate. The primary goal of adósságtörlesztés is to help debtors regain financial stability and avoid further financial distress.
The process of adósságtörlesztés can be initiated by either the debtor or the creditor, depending on the
There are several types of adósságtörlesztés, including:
1. Debt consolidation: Combining multiple debts into a single loan with a lower interest rate or more
2. Debt forgiveness: The creditor agrees to forgive a portion of the debt, reducing the total amount
3. Debt settlement: The debtor and creditor agree on a lump-sum payment that is less than the
Adósságtörlesztés can have significant implications for both debtors and creditors. For debtors, it can provide relief
It is essential to consult with a financial advisor or legal professional when considering adósságtörlesztés, as