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Date : Mar 13, 2009

Question

I have some personal loans from different banks. At present, due to some business losses, I unable to pay EMI in time.What will be solution to me. and what type of legal action can be taken by bank.

Answer

The bank can take legal action against you if you fail to pay your EMI's. Also you name will be listed in the deafulters list and you will not be able to get any loan or credit card in the future. You can instead take a consolidated loan where one loan will take care of all your loans and you will have to pay only one EMI to one lender. You can get a consolidated loan based on your income and repayment track record. You can approach any bank for a consolidated loan.

 

 

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