CapitoliaPaying one instalment with another loan. That is the last signal before the fall.
The overdraft is no longer an accident. It is there every month, and it grows.
You only pay the minimums now. The capital itself does not move.
And you have stopped opening the post. That too is a signal.
Let us put figures on it. One thousand six hundred euros come in each month.
One thousand one hundred go out for housing, food, transport and energy.
And seven hundred for the loan instalments.
One thousand six hundred coming in, one thousand eight hundred going out.
Two hundred euros are missing. Every month, and not just once.
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Download on theApp StoreThat is not a tight budget. It is a budget that does not hold, and no discipline fixes it.
Over a year, two thousand four hundred euros of extra debt.
So you go to the over-indebtedness commission. It costs zero euros.
It sits at the central bank. No lawyer, no fees, one file.
As soon as it is accepted, enforcement stops. That is immediate, and it is why you go.
It has three months to decide. During that time, nobody seizes anything.
Eighteen thousand euros of debt, all told.
Rescheduled over seven years: two hundred and fourteen euros and twenty-nine cents a month.
One thousand six hundred coming in, one thousand three hundred and fourteen going out.
Two hundred and eighty-five euros and seventy-one cents. That is what is left to live on.
It is protected by law. The commission works it out before deciding what you repay.
That leaves the question everyone asks first: what about being registered?
Seven years at most. That is the length of the plan, not a sentence.
Pay faster and the entry lifts earlier. It follows the debt, not the fault.
Meanwhile: no new credit. But your account stays open — that is a right.
You are not cut off from banking. You are stopped from borrowing, which is exactly the point.
The one who files keeps a protected living allowance. The one who waits watches it seized.
Shame makes people wait, and waiting costs. That is the only thing this chapter asks you to believe.
The file is free, it suspends everything, and it can be submitted online.