Are you experiencing financial hardship or having trouble making payments? 我们是来帮忙的.
We offer several assistance programs for our consumer loans, which includes auto loans, 个人贷款, credit card 和 other lines of credit. Learn about these programs’ workout options 和 their eligibility below.
If you have questions or want to get started with these options, contact our 消费者的解决方案 支援小组 800.358.8228 (ext. 7145) 或者发邮件到 consumersolutions@theredpillbooks.com.
Skip-A-Pay is an account feature that allows you to postpone your loan payment one month into the future 为你提供一点喘息的空间,以防你现金短缺或其他账单到期.
While Skip-A-Pay is designed to help alleviate the stress, it’s important to underst和 the terms 和 conditions of this account feature, 包括每个请求收费25美元的费用,以及你的贷款利息继续在付款期间被跳过.
A payment deferral allows you to defer (or pause) up to two monthly payments. 延期付款是为那些面临暂时经济困难的人设计的,有助于保持贷款义务的流动. Payment deferral is not intended to address long-term financial hardship.
To be considered for a loan deferral, your loan must meet the following requirements:
付款安排为会员提供机会,在一两个月内设立一个或多个短期付款,以使拖欠帐户恢复良好信誉. All accounts are eligible.
临时还款减免计划是一项贷款修改,旨在为符合条件的成员提供贷款, who are experiencing a short to mid-term financial hardship, with affordable 和 sustainable monthly payments. The monthly payment will be reduced 50%, with a 2% 利率. The reduced payment is for 12 months only 和 in conclusion, returns the contracted obligation.
A loan will be eligible for the Temporary Payment Reduction Program if all the following criteria are met:
永久付款减免计划旨在提供负担得起的和可持续的每月付款. 通过采取特定的连续步骤来降低利率和延长付款时间框架,可以实现负担得起且可持续的每月付款.
如果符合以下所有标准,贷款将符合永久还款减免计划的资格:
As a condition of approval for the Permanent Modification, you must provide evidence of completing debt counseling with Balance.
Skip-A-Pay选项
Skip-A-Pay is an account feature that allows you to postpone your loan payment one month into the future 为你提供一点喘息的空间,以防你现金短缺或其他账单到期.
While Skip-A-Pay is designed to help alleviate the stress, it’s important to underst和 the terms 和 conditions of this account feature, 包括每个请求收费25美元的费用,以及你的贷款利息继续在付款期间被跳过.
Payment 延期 Options
A payment deferral allows you to defer (or pause) up to two monthly payments. 延期付款是为那些面临暂时经济困难的人设计的,有助于保持贷款义务的流动. Payment deferral is not intended to address long-term financial hardship.
To be considered for a loan deferral, your loan must meet the following requirements:
付款安排
付款安排为会员提供机会,在一两个月内设立一个或多个短期付款,以使拖欠帐户恢复良好信誉. All accounts are eligible.
Temp Payment Reduction
临时还款减免计划是一项贷款修改,旨在为符合条件的成员提供贷款, who are experiencing a short to mid-term financial hardship, with affordable 和 sustainable monthly payments. The monthly payment will be reduced 50%, with a 2% 利率. The reduced payment is for 12 months only 和 in conclusion, returns the contracted obligation.
A loan will be eligible for the Temporary Payment Reduction Program if all the following criteria are met:
Permanent Loan Modification
永久付款减免计划旨在提供负担得起的和可持续的每月付款. 通过采取特定的连续步骤来降低利率和延长付款时间框架,可以实现负担得起且可持续的每月付款.
如果符合以下所有标准,贷款将符合永久还款减免计划的资格:
As a condition of approval for the Permanent Modification, you must provide evidence of completing debt counseling with Balance.
When you need to deal with matters of finance at Patelco, 你只需要一个电话就可以安排你的访问,这样你就可以坐下来和别人谈谈你的财务状况. They meet you w在这里 you are at 和 you are treated with respect.
我们为经历经济困难的会员提供全面的止赎预防计划,目标是让他们留在家中. Learn about these programs’ workout options 和 their eligibility below.
To get started with any of these options, contact our 贷款的锻炼 支援小组 800.358.8228 (ext. 3999) 或者发邮件到 loanworkout@theredpillbooks.com.
还款计划是一种安排,你同意分期偿还贷款欠款,同时仍然定期按月付款. 还款计划旨在帮助你在一段时间内解决贷款拖欠问题.
A mortgage loan will be eligible for a repayment plan if it meets the following requirements:
A payment deferral allows you to defer up to two monthly payments. Payment deferral is designed for those who face temporary financial hardship, 和 a payment deferral would help them keep their loan obligation current. Payment deferral is not intended to address long-term financial hardship.
The original 利率 和 loan maturity date will remain unchanged. The unpaid interest will be treated separately 和 added to a 0% interest fee account 和 due as a final payment at the end of the loan term or at payoff.
This payment deferral program applies to closed 和 open-ended mortgage loans.
This program provides a temporary reduction of payments on a mortgage loan, followed by an arrangement to cure delinquency. 临时还款减少计划旨在帮助那些失业或其他不符合贷款修改计划资格的人. 该计划旨在为那些经历暂时困难的人提供时间和灵活性,以管理影响他们履行抵押贷款义务能力的财务挑战.
这个临时的还款减免将允许你每月支付你家庭总收入的40%,也就是750美元.00, whichever is the greater amount, for a 6-month period. At the end of the payment reduction period past due amounts are not forgiven, but rather these amounts are addressed through a subsequent repayment plan or 贷款修改.
To be considered for the temporary payment reduction program, an account must meet the following requirements:
永久困难修改计划是一个贷款修改程序,旨在提供负担得起的和可持续的每月付款. 这是通过采取特定的连续步骤来实现的,将每月住房支付总额降低到月总收入的31%到38%之间的目标.
A mortgage loan will be eligible for the Permanent Hardship Modification Program if all of the following criteria are met:
As a condition of approval for the Permanent Modification, you must provide evidence of completing debt counseling with Balance.
短卖是指债权人解除对财产的留置权,以换取少于所欠数额的财产出售所得. This program allows someone to transition out of their home without going through foreclosure.
A mortgage loan will be eligible for short sale if all the following requirements are met:
A deed-in-lieu of foreclosure (DIL), also referred to as a “voluntary conveyance,当借款人自愿将财产的所有权和占有权转让给债权人以满足抵押贷款债务并避免丧失抵押品赎回权时发生.
Under 帕特尔科信用合作社’s workout hierarchy, DIL可以提供给那些没有资格参加所有其他止赎预防方案的成员.
A mortgage loan may be eligible for a deed-in-lieu of foreclosure if all the following requirements are met:
还款计划
还款计划是一种安排,你同意分期偿还贷款欠款,同时仍然定期按月付款. 还款计划旨在帮助你在一段时间内解决贷款拖欠问题.
A mortgage loan will be eligible for a repayment plan if it meets the following requirements:
Payment 延期 Options
A payment deferral allows you to defer up to two monthly payments. Payment deferral is designed for those who face temporary financial hardship, 和 a payment deferral would help them keep their loan obligation current. Payment deferral is not intended to address long-term financial hardship.
The original 利率 和 loan maturity date will remain unchanged. The unpaid interest will be treated separately 和 added to a 0% interest fee account 和 due as a final payment at the end of the loan term or at payoff.
This payment deferral program applies to closed 和 open-ended mortgage loans.
Temp Payment Reduction
This program provides a temporary reduction of payments on a mortgage loan, followed by an arrangement to cure delinquency. 临时还款减少计划旨在帮助那些失业或其他不符合贷款修改计划资格的人. 该计划旨在为那些经历暂时困难的人提供时间和灵活性,以管理影响他们履行抵押贷款义务能力的财务挑战.
这个临时的还款减免将允许你每月支付你家庭总收入的40%,也就是750美元.00, whichever is the greater amount, for a 6-month period. At the end of the payment reduction period past due amounts are not forgiven, but rather these amounts are addressed through a subsequent repayment plan or 贷款修改.
To be considered for the temporary payment reduction program, an account must meet the following requirements:
Permanent Loan Modification
永久困难修改计划是一个贷款修改程序,旨在提供负担得起的和可持续的每月付款. 这是通过采取特定的连续步骤来实现的,将每月住房支付总额降低到月总收入的31%到38%之间的目标.
A mortgage loan will be eligible for the Permanent Hardship Modification Program if all of the following criteria are met:
As a condition of approval for the Permanent Modification, you must provide evidence of completing debt counseling with Balance.
其他救济方案
短卖是指债权人解除对财产的留置权,以换取少于所欠数额的财产出售所得. This program allows someone to transition out of their home without going through foreclosure.
A mortgage loan will be eligible for short sale if all the following requirements are met:
A deed-in-lieu of foreclosure (DIL), also referred to as a “voluntary conveyance,当借款人自愿将财产的所有权和占有权转让给债权人以满足抵押贷款债务并避免丧失抵押品赎回权时发生.
Under 帕特尔科信用合作社’s workout hierarchy, DIL可以提供给那些没有资格参加所有其他止赎预防方案的成员.
A mortgage loan may be eligible for a deed-in-lieu of foreclosure if all the following requirements are met:
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No, we only place a note on the credit report. Once deferment is done, the note is removed from the credit report.
两笔终身贷款为按揭贷款,每12个月一次为消费贷款(汽车贷款), personal 和 credit card).
The next due date following the skipped due date.
The modified payment will start 30 to 60 days from the completion of the modification.
我们将继续按照适用法律向信用报告机构报告您的贷款拖欠情况.
Once your loan is modified, 只要你按时还款,你的信用评分就会提高.
A 贷款修改 changes some of the terms of your mortgage, such as monthly payment, 利率, 到期日, which may make your payment more affordable.
您将在修改后的期限内按月等额偿还新的有息抵押贷款余额.