You have reached a situation where your monthly credit card installments, personal loans and mortgage are a very high monthly expense and you are totally overwhelmed. You simply do not arrive. Asking for a microcredit or personal loan in this situation is not the solution, since you would add new expenses to those you already have. What can you do to have more liquidity and not devote all your income to pay what you owe? Precisely for this type of problem there is a solution: the Negotiating Agency. This company was created in order to help people like you understand financial products, advise them when signing a loan and reconcile all expenses through their unification.
What steps should I follow?
Before contacting the Negotiating Agency, it is important that you be clear about the credits, cards or loans that you have assets and with which financial institutions. This is the first step in order to receive a proposal that is beneficial for your particular case.
Once all this information is collected, you can check through its website if it is really feasible to unify all your expenses and get to pay less for your debts. You can also fill out the contact form to directly receive a personalized proposal.
What is the cost
The proposal made by the Negotiating Agency is free. The query to see how debts could be unified and obtain liquidity has no cost. Once you receive the proposal, you will also know how much you will be charged for management.
This expense is usually included in the loan requested for the unification of expenses, so that you will not have to pay an amount directly to them, but at all times you will know the amount that the company will charge for the negotiation.
How they unify my debts so that I can have liquidity
This agency works with more than 30 banking and financial entities, so you have accurate information about the economic products they offer and can deal directly with any entity without waiting. In this way, they analyze the credits that you have in active and they look for the best solution to reunify them in a single product or they eliminate the products with abusive quotas or very high interests. This management is simple for them, since they have specialized banking personnel, who perfectly know the financial jargon and the conditions of each activity or contract.
They have no restrictive agreements with any entity and every day they process requests directly with banks and credit institutions. Their power is in the negotiation that they do in your name and in the volume of requests that they process daily. Can you imagine the time it would take you to do all these procedures?
Benefits of unifying expenses
The benefits you can obtain by unifying your expenses with the Negotiating Agency are the following:
- Get more monthly liquidity: you can reduce your expenses related to credit payments, mortgages and credit cards, so you will have more money in your account.
- Settle credits with abusive clauses or interests: many times the lack of knowledge about the sector makes you keep credit assets with a very small print. This type of product may be the problem of your monthly expenses. Finding those abusive credits and eliminating them can be the most affective solution to take away problems.
- Clean up your economy: being able to have a healthy economy is the ultimate goal. Not having fees from different companies every month, but only one payment. In this way, you can make a better planning of your money and know at all times what you have to pay, when and where. All this translates into a financial respite.
What documentation do I need?
To receive your proposal it is not necessary to deliver any documentation, since in this step it will be sufficient to enter the monthly amounts and fees you pay each month and the banking entities with which you have contracted your financial products. Once you approve the proposal, then it will be time to deliver the following documentation:
- Copy of your mortgage or personal loans: with this information, they can analyze your products and analyze all the clauses.
- Credit Card Contracts
- DNI or NIE: they need a photocopy of your ID or NIE so they can make the loan application on your behalf
This documentation can be sent via mail, by mail or through a messenger who will go to your address to collect this information. The options are diverse, so you can use the one that best suits you. Depending on each case, they may require more documentation.
What do your customers think
The general opinion of its customers is positive. Most of its users thank the Negotiating Agency for its management in the unification of loans, since the results obtained have been worthwhile.
Your customer service is another of the factors most valued by its users, since at all times you can contact them by different means: online chat, contact form, by phone or even leaving your phone to be called. They advise throughout the process and if they do not get an attractive and beneficial offer for you, they charge nothing.
The security of the company is another rising value, since they are registered in the state registry of Spanish companies, which guarantees compliance with the law 2/2009. It is important to know that you work with a company with everything in order to feel in good hands.
If you want to know the opinions about the Negotiating Agency, we recommend that you take a look at the customer testimonials here.