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Meddelande: <blockquote data-quote="sarkostik" data-source="post: 430535" data-attributes="member: 8681">Sorry for the difficult situation you are in. Have you wondered if you are addicted to gambling for quick wins similar to playing poker?For me, it's all about moving slowly to achieve wealth, to facilitate retirement and help our children in the future.I would think that you need to structure which loans/credits you focus on being able to pay in order to avoid KFM. You should prioritize your large <a href="https://www.xn--lnforum-exa.se/besok/66" target="_blank">Bank Norweigan</a> loan. If you are unable to pay, it will end up with debt collection and you may risk a payment plan that you cannot manage. For example 12 months would mean you need to pay 30k per month just for amortization and interest/fees are not included.The important thing is that you keep track of how your smaller loans end up with debt collection and stay up to date with current payment plans. There will hopefully be some delay and you try to circulate who you pay to to avoid KFM. Even if you end up with some of the smaller ones like the sum of 50k on KFM, you might be able to manage paying it back. It will be much more difficult to have a larger lump sum of almost 400k (Bank Norweigan)Your salary is your big plus and if you can find a friend where you can live for cheap or, as you say, live abroad with relatives/friends, that's great. Consult your job first if you have the opportunity to work completely remotely for a while. Check with your family if you can wait to pay back, and also if they can help you again.I hope you will get out of the difficult situation and a local debt counselors in your community(kommun) can be worth to hear their point of view how to do. However, they have no opportunity to help you reduce interest on the loans. You should avoid applying for a loan until your credit profile improves in order to reapply for a consolidation loan to get better terms.Do not take my views/advice as concrete as others can certainly fill in with tips and advice that are more relevant to your situation.</blockquote>

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