It is often thought that bad payers cannot get out of this condition and cannot even opt for debt consolidation, fortunately, it is possible to solve the problem even if the procedure to be followed is complex.

How can you have debt consolidation if you are already branded? Is it possible to leave the list of bad payers thanks to this procedure?

In today’s guide we see together how to recover their economic freedom thanks to credit consolidation for bad payers.

Bad payers

Today, everything can be paid in installments, from mobile phones to homes, and sometimes it is possible to lose control of the installments and find yourself insolvent without even noticing how it happened.

If you lose control of the number of installments to be paid, you can find yourself in a complex economic situation that is also destabilizing for the family tranquility. Month after month the unpaid installments accumulate and in a short time we find ourselves in the list of bad payers and the problems begin.

A bad payer is a person who has not paid the installments for personal or financial loans punctually. This is reported to the national financial circuit and included in the list of insolvents.

At this point the subject loses the right to request any type of loan or financial loan. This type of attitude on the part of credit institutions has worsened the situation, the debtor was still a debtor without being able to pay due to the rise in interest rates.

Loans to bad payers to pay off debts, is it possible?

Today, to ensure that the debtor can recover from his condition, some credit institutions allow debt consolidation even to bad payers. With this payment procedure, the blacklisted debtor (end-to-end knowledge company) can at least try to recover and find an easier installment.

Thanks to debt consolidation it is possible to pay off previous debts, request a new loan, recalculate the repayment installment and times. In this way it is possible to free oneself from the too high interest rates, from the blackberries for the payments not made and one can also lower the monthly payment to be paid, adapting it to the real possibilities of the debtor.

Basically it is a type of loan that reorganizes the debt in a single installment to be paid periodically, grouping together the different installments of the loans opened by a subject.

In this way, only one creditor must be managed and not many creditors. If for example between the various monthly installments we were going to pay a figure of around 900 euros, which increases due to interest rates and blackberries, with the consolidation of debts we will pay only one installment that may even be lower than the sum of the various loan installments.

So even if you are a bad payer you can exit the blacklist by following this method. Continue reading and you will have all the instructions necessary to solve your problems.

Debt consolidation for members

The bad payer is reported to the end-to-end knowledge company or the Financial Risk Center. If the situation is not too severe, some credit institutions grant new debt consolidation loans without too many problems.

If the economic situation of the bad payer is rather serious, the difficulties increase, but it is always worth trying to request credit consolidation from a credit institution. In some cases, it is even sufficient to try to pay back a few installments to show credit agencies that they are reliable and willing to remedy the debt.

Even a little goodwill in improving the situation can make the difference between a yes and a no from a credit institution. If you don’t know how to pay the installments and to show your intention to leave the bad payers list, you can offer guarantees.

You will need a guarantor or to give a property as collateral, or something on which the credit institution can take action should you continue to be unable to pay the installments. The guarantor is a person who can offer a guarantee and become responsible if you cannot pay the debt.

Obviously it is not said that, while demonstrating goodwill and while offering guarantees, credit institutions allow a bad payer to obtain debt consolidation. The only way to get consolidation is to look for the agency that accepts your request, not all institutions will say no.


To have debt consolidation if you are bad payers you must also:

  • be permanent employees over four months;
  • be aged between 18 and 86;
  • not having left a debt too high;
  • to be a pensioner.

Lenders generally allow the bad payer to have debt consolidation by paying by the fifth assignment. The sale of the fifth is a good guarantee to obtain consolidation.

Every month a fifth of the salary or pension is deducted to pay the monthly installment of your debt consolidation. The employer or the institution that pays the pension takes care of it.

If you are a bad payer and you do not have a pay slip and you do not even have a pension, you can try to ask for a loan, or a loan that can be repaid through the use of bills, but it is obtained with extreme difficulty.

Also in this case it is always advisable to ask several lenders to find the one that will grant you the loan.

What happens once the debt is paid? Cancellation of the bad payer

Once the payment of the installments is completed, you exit the list of bad payers of the Central Credit Register. At the end of the payment, you return to a situation of total normality and, if needed, you can request new loans without problems.

Going around various credit institutions and also taking a look online also allows you to find the best solutions with lower interest rates to minimize the risk of not being able to pay the installments again.