Acquisition of too much owing can do one groà Ÿ e load fà ¼ r a household. To avoidance of debts, many humans of the opinion, bankruptcy. With the new insolvency law, with difficulty fà ¼ r some people have themselves to eliminate debts. But many become also further the conditions fà ¼ r bankruptcy protection. The effects of the bankruptcy are long-term. & lt; br/& gt; Before bankruptcy helps, it, to sound out Lösungen debts removal. Here three hints are, those help to können, debts reduce. & lt; br/& gt; Limits credit cards and Pay more than minimum & lt; br/& gt; People file bankruptcy with different credit Beträge. Some have more than 10,000 dollar of credit card debts, während other one only about $ 2000. Persons with small debts usually können disbursement of the assets without bankruptcy. However are these persons mà ¼ ssen ready its, around victims. & lt; br/& gt; If the attempt to the removal of the debts, the use of the credit card. To beschränken numbers only the monthly minimum, and then on one purchase-stroll however the sense. Before you successfully eliminate credit card debts, mà ¼ ssen you commit yourselves, with cash fà ¼ r all Einkäufe. Auà Ÿ erdem, the majority of at least payments hardly decrease of the Gebà ¼ hren financiers. Around a clear reduction, Bemà ¼ hung to carrying the minimum amount of the payment, plus zusätzliche 50 - 100 EUR. & lt; br/& gt; Aushandlung lower interest rate & lt; br/& gt; If you have a good payment with history a credit card enterprise, attempt to the Aushandlung lower interest rate. If you mark contact with the credit card enterprise, you your history with the enterprise such as Länge of credit account, take place the payment history, etc. if your credit are well, the enterprise of the opinion, May a Rà ¼ ckgang. Before the permission of the request, mà ¼ you ssen the agreement to a Bonitätsprà ¼ fung. & lt; br/& gt; Zusätzlich to the evaluation of your history with the society, it becomes also too prà ¼ fen whether you maintain a good payment data record with other Gläubigern. If you are credit Score small, then it knows the assistance debt consolidation agency to à ¼ berzeugen Gläubiger to lower interest. & lt; br/& gt; As soon as lowered its credit card interest rate, it pay less Gebà ¼ hren financiers. So, one gröà Ÿ eren part of your monthly payments become to a decrease of the balance of debt. & lt; br/& gt; Consolidation of the debts with a Home Equity Loan or refinancing & lt; br/& gt; possess a house place to one groà Ÿ EN advantage. Homes rise of the values, thereby it win own capital funds. As home-owners you have the Möglichkeit of the Erschlieà Ÿ ung to you home own capital funds. By house Equity loan or a refinancing, you have the chance to reach are a lump sum of money, to be used can fà ¼ r different purposes. Such a purpose covers debt consolidation. & lt; br/& gt;