My name is Ernesto, I am 53 years old, I live with my 16-year-old daughter in the house that I managed with sacrifice and willpower to build for myself and on which I obtained a renovation mortgage a few years ago. Unfortunately, last year I had serious family problems that ended in a lawsuit, the outcome of which I still don’t see. My “new” family situation is more difficult to sustain financially, I owe my ex-wife child support, and I know I will have to incur other legal expenses. The manager of the bank where my salary is credited can no longer give me loans because I have missed installments on the mortgage and loan he gave me years ago and overdrawn my overdraft. I want to pay, but it’s like no one is waiting for me, no one can help me. I’ve been looking on the Internet because I know that with a loan I could close the arrears and get some relief, but I don’t trust–what if they charge too high an interest rate? I kept looking and read about over-indebtedness and possible solutions.

This is in summary Ernesto’s account of his first date. True, there is an imbalance between income and expenses, and there are the arrears of the loan payments, the overdraft in the bank, the advances made by the employer who has known him all his life and supported him in the most delicate moment of the affair. We calculate the obligatory exits together and realize that Ernesto is in an impasse. At the second meeting he tells us that he has put the city car up for sale: with that money he will pay off the overdraft. At that point we calculate together that a loan over 60 months with which to consolidate the outstanding mortgage payments and the remaining balance of the current loan will allow Ernesto to put his salary and debts back into sustainable balance.

Ernesto searched, did not stop after his bank said no, and did not go into areas where easy loans are given quickly. By informing himself without becoming discouraged, he found the correct information to rewrite the history of the problems that plagued him.