You have accumulated loans, consumer loans with various lenders for the purchase of a car, appliances, a home loan, a credit for the work, a reserve of Silver (revolving credit).
The purchase of credits is an operation designating combination of these various stocks and funds they are real or consumption in a single loan .
Main objective: reduce debt household, reschedule and repay debts serenely.
After framing advertising, Lagarde Act (Act 2010-737, 1 st July 2010) focused on the acquisition of credits and especially on the legal regime applicable when the share of housing loans in the business combination is greater than 60%.
Above => rules of protection of property loans, period 10-day cooling, prepayment fee (ARF) capped at 3% of capital repaid.
Below => rules protections of consumer credit.
Below => rules protections of consumer credit.
Finally, there is an obligation to the lender to repay revolving loans directly from the original lender.
The purchase of credits is a tool of struggle against the debt for borrowers, including victims of an accident of life.
Eric
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