For a person cornered by loans, bankruptcy sounds like salvation. Social networks and advertising are full of promises: "We will erase all debts according to the law! But is the freedom from debt guaranteed by bankruptcy status so attractive? This is a serious step, there may be serious consequences: for example, part of the property of the debtor, and sometimes his relatives, may be sold at auction. There will also be many restrictions. And the services of those who offer to get rid of loans can be expensive and do not guarantee results. As a result, the situation can only get worse. Before you go through the foot attack procedure, you need to think things through. Here is what the bank's experts advise: First of all, Tyumen residents still need to talk to the bank. Do not be afraid, do not be silent and do it as soon as possible. Find out if credit or mortgage holidays are available. Discuss restructuring: It may be possible to reduce the monthly payment. If you have debts with several banks, check the possibility of a comprehensive debt settlement. Find out about government support, a social contract for employment or retraining. Here we are always in touch.