Debt / Credit Card Debt: Lawyer or Debt Management Program?

Debt / Credit Card Debt: Lawyer or Debt Management Program?

Applying for loans such as KTA / KPR / other loans to the bank can be done when we need costs such as funds for education, hospital care costs, marriage, or it can be solely for shopping with a credit card. One thing that is often overlooked before applying for a loan is that there is no calculation with the possible details or whether someone can pay off the debt in the future. The impact is that someone can become entangled in debt that is hoarded and chased by the bank.

At this time, customers will often find ways to get a credit restructuring or relief program so that the debt they have can be lighter to pay off. Not everyone knows how to get this loan restructuring, so many people are looking for reinforcements to be able to help them free themselves from this pursuit. Often heard in our ears there are various ways available to be free for those of you who are caught up in credit card debt and credit. What are the differences and which are better for you? Check out the following points:


Definition of Credit Card Restructuring



Before starting which type of help is right for you, it’s a good idea to find out in advance what credit card restructuring customers get when they are in debt. According to the Bank Indonesia Regulation, credit restructuring is an improvement effort made by the Bank in credit activities to debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay. There are several types of relief programs that can be obtained, for example: getting a discount on credit, deductions with extended installments, or a combination of both.

Credit Card Attorney



Speaking of the credit card lawyer profession, you may have heard or seen the ad, often. The irresponsible person uses many of these ‘professions’ as fields to find sources of income. You need to know that the case of bad credit is a problem between the customer and the bank, so it does not make sense if there are parties who suddenly promise to give bleaching or big discounts so that you will come out of the pursuit of debt collector .

Simply put, if everyone who borrows money from a bank can be immediately free of debt due to credit card attorney bleaching, then everyone can arbitrarily earn money without having to work, right? The problem is not that easy, because if you have debt, of course you have to be paid, especially if the debt is due to the consumptive nature of users who cannot control, of course the attitude of responsibility will be clearly seen here.

In addition, many of the individuals involved have produced their advertisements in the mass media. In accordance with the Indonesian Advocates Code of Ethics issued by Peradi (Indonesian Advocates Association), Chapter VII Article 8 concerning Other Provisions on the Code of Ethics, shows that advocates should not advertise their services:

(b) Installation of advertisements solely to attract the attention of people is prohibited including the installation of signs with excessive size and / or shape.

(f) Advocates are not justified through mass media seeking publicity for themselves and / or to attract public attention regarding their actions as Advocates regarding cases that are being or have been handled, except if the statements that they provide aim to uphold legal principles that must be championed by every Advocate.

A credible lawyer is usually registered with the Association of Advocates / Lawyers. If the lawyer is indeed registered, then they are not justified in opposing the Code of Ethics, for example: advertising services through SMS.

More can be seen directly on the official website of Peradi here.

Be careful with irresponsible individuals who impersonate Credit Card Lawyers


Not infrequently, irresponsible credit card lawyers promise customers that they will get bleaching so they don’t have to pay at all, some promise discounts up to 90%. There is no bank that can give such promises, because after all the debt that someone already has is the responsibility for repayment. It is impossible for customers to be free of debt, especially by not paying at all.

In addition, some irresponsible individuals also ask customers to transfer a number of costs up front, so that the funds will then be used to pay to the bank so you don’t have to pay off again. Please note that the correct mediation services should ask customers to transfer all costs directly to the bank, without going through an intermediary. If the requested fee is a service fee, then the fee should be paid when the results of the negotiations with the bank have been obtained and agreed upon by both parties (banks and customers), and reached an agreement.

The following are examples of modes of fraud committed by irresponsible credit card lawyers:

  • Promising unreasonable deductions (bleaching, 90% discount, installments of IDR 50,000 – 100,000, – per month)
  • Office addresses change, or are often fictional
  • Request a lot of funds up front without any official results from the bank first
  • Advertisements for credit card attorney services are seen in mass media classified ads, some through spam in e-mail, SMS, or WhatsApp
  • Use a woman’s name / photo as if it were a lawyer who would handle your credit card.

As reported by Kontan , Ariwibowo, Head of the Payment System Development and Policy Bureau of the Directorate of Accounting and Payment Systems at Bank Indonesia, suggested that the public should not resolve their credit card problems through lawyers. This offer often adds to the customer’s own burden.

We advise you to be more aware of fraud modes in dealing with your credit / credit card debt. The lack of vigilance you have can result in even greater losses.


Negotiation Services / Credit Card Mediation


Negotiation / mediation services will usually take care of the entire negotiation process that should be carried out by the customer. Services like this are used usually because many customers do not understand the process that must be passed, and do not understand the tricks of how to negotiate with the bank.

There are several reasons why using negotiation services is the right step for those of you who are caught in credit card debt or KTA:

  1. Customers can focus more on raising funds so they can pay the remaining arrears. Debt owned by customers is in several banks, so it would be a waste of time to negotiate with all banks. Therefore, by using mediation services, customers usually do not have to bother managing negotiations, because they have already been transferred to negotiation services.
  2. In accordance with the type of service, of course negotiation / mediation services are more experienced in conducting negotiations, so that the benefits obtained by customers can be more.
  3. Usually already have an experienced team and many connections with various banks, so the negotiation results can be lighter.

One thing that needs to be known, although it tends to be more trustworthy, customers must also be careful in choosing which negotiation / mediation services are entrusted to solve their debt problems. In order not to be deceived, the customer must see whether the following points are in the value carried out by the service company:

  1. It does not promise that customers can be debt free without paying a dime to the bank.
  2. Do not ask for a service fee in advance, but the payment is made after the results of the negotiations come out, and agreed by both the customer and the bank, even the customer gets a Lunas Letter (as long as the customer makes a payment in accordance with the bank’s agreement).
  3. If there is a deposit fee requested in advance, make sure the fee can be returned if there are no negotiations within the specified time period.
  4. Check the official website and official social media account, make sure it looks professional and promising.
  5. Check the telephone number provided, do you have a toll-free number and make sure the service provided is friendly and competent when answering your telephone. Don’t trust mobile numbers, because credibility is questionable if there is no official telephone number.
  6. Make sure you have a complete and clear office address, even better if you can contact the office and see first hand how professional the service is from its employees.
  7. Check whether the mediation / negotiation services have been registered in a trusted system, and are accredited by international organizations such as IAPDA.

Read more about Tips on Selecting a Debt Advisor here.

One of the advantages of using negotiation / mediation services to overcome your debt is that you can focus on finding funds to pay off debts. Ask the negotiator / mediator to resolve your debt problem. One of the trusted negotiation / mediation services is PT Allan Quatermain international Indonesia . Allan Quatermain International is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Allan Quatermain Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client.

This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Allan Quatermain Indonesia’s head office was established in Jakarta in 2015 by a founding team that has collective experience in finance including debt settlement for more than two decades. Allan Quatermain has made Indonesia as the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Allan Quatermain Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators ( IAPDA ).

Why is IAPDA accreditation so important? As a pioneer organization for debt negotiation services certification, IAPDA has selected selectively which companies are considered to have full commitment in providing quality service and understanding the problem of debt settlement.

Capitalizing on this accreditation, Allan Quatermain provides human resources who understand the problem of debt settlement, as well as the best quality of service in serving customers. Therefore, it is expected that every customer who wants to transfer the debt problem to be resolved by the negotiating company, should first ascertain whether the company has been registered and accredited by the IAPDA. Given that Allan Quatermain operates as a company that operates with professionals, Allan Quatermain will charge a service fee for clients who use their services. No need to worry, because Allan Quatermain operates transparently and prioritizes customer trust as the main foundation, so that all costs will of course be directly discussed starting from the start when the client starts cooperation with Allan Quatermain. (Also read: Entangled Credit Card Debt: Bailout Funds or Negotiation Services? ) And ( Credit Card Debt / KTA: Family Assistance or Negotiation Services?)

After knowing the options that can be made to get relief, we hope you can decide on the most appropriate way to deal with your current debt bondage. Also read the following article why use the services of Allan Quatermain to be the right solution so that you are free from debt . Remember that the longer you struggle with debt, the longer your name will be free from the Bank Indonesia blacklist . The impact is of course you will find it difficult to apply for a loan in any form to the bank. So, solve your debt problems now, and achieve your new financial life now!



Previous The best Loans and Credits | Payday Loans
Next Understanding Debt Ratios Against Revenue and Impact for You