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和解交渉の対象である債権者を自由に選択することができ、裁判所を介さない手続ですので、身内に知られたくない方にも推奨されます。その反面でデメリットもあるため、任意整理をお考えの方は事前に正しい知識を持っておくことが大切です。破産管財人�
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但是，若你什麼都沒有，連基本的生活開銷都負擔不起，這樣的情況連民間貸款也很難幫助您，建議還是要找份工作，起碼讓自己有收入，這樣才能幫您順利貸款借錢哦！銀行、合法借貸公司等機構絕對不會要求你提交身份證件或銀行存摺作為貸款獲批的條件。這�
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信用不好的人可參考以上方法，不過銀行的過件率可能還是很低，因此會建議信用狀況不良的人找民間貸款，像是申辦門檻低的手機貸款或有擔保品的汽機車貸款，若最後還是一樣無法過件，那可能就是本身信用瑕疵太嚴重，建議先提高信用評分再來申辦貸款！貸�
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