Member Relief and Support Center
你是否正在经历经济困难或在付款方面遇到困难? We’re here to help.
你是否正在经历经济困难或在付款方面遇到困难? We’re here to help.
We offer several assistance programs for our consumer loans, which includes auto loans, personal loans, credit card and other lines of credit. 了解这些计划的锻炼选择和他们的资格如下.
如果您有疑问或想要开始使用这些选项,请太阳集团平台 Consumer Solutions support team at 800.358.8228 (ext. 7145) or email them at consumersolutions@lawum.net.
Skip-A-Pay是一个账户功能,可以让你推迟偿还贷款 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, 了解此帐户功能的条款和条件非常重要, 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. 延期付款不是为了解决长期的经济困难.
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 and sustainable monthly payments. 月供将减少50%,利率为2%. 减少的付款仅为12个月,并在结束时返回合同义务.
贷款将符合临时还款减免计划的条件 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, 您必须提供与Balance完成债务咨询的证据.
Skip-A-Pay Options
Skip-A-Pay是一个账户功能,可以让你推迟偿还贷款 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, 了解此帐户功能的条款和条件非常重要, 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 Deferral 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. 延期付款不是为了解决长期的经济困难.
To be considered for a loan deferral, your loan must meet the following requirements:
Payment Arrangement
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 and sustainable monthly payments. 月供将减少50%,利率为2%. 减少的付款仅为12个月,并在结束时返回合同义务.
贷款将符合临时还款减免计划的条件 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, 您必须提供与Balance完成债务咨询的证据.
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. 他们在你所在的地方会见你,你受到尊重.
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. 了解这些计划的锻炼选择和他们的资格如下.
To get started with any of these options, contact our Loan Workout support team at 800.358.8228 (ext. 3999) or email them at loanworkout@lawum.net.
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. 延期付款是为那些面临暂时经济困难的人设计的, 延期付款将有助于他们保持贷款义务的流动. 延期付款不是为了解决长期的经济困难.
原利率及贷款到期日维持不变. The unpaid interest will be treated separately and added to a 0% interest fee account 在贷款期限结束或偿还时作为最后一笔付款.
此付款延期计划适用于封闭和开放式抵押贷款.
这个计划提供了一个暂时减少抵押贷款的支付, 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. 在扣款期结束时,逾期款项不予免除, 而是通过后续的还款计划或贷款修改来解决这些金额.
要考虑为临时付款减少计划,一个帐户 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.
抵押贷款将符合永久困难修改计划的资格 if all of the following criteria are met:
As a condition of approval for the Permanent Modification, 您必须提供与Balance完成债务咨询的证据.
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. 这个项目允许人们在没有丧失抵押品赎回权的情况下从他们的家过渡出去.
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 Patelco Credit Union’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.
抵押贷款可能符合丧失抵押品赎回权契约的条件 if all the following requirements are met:
Repayment Plan
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 Deferral Options
A payment deferral allows you to defer 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, 延期付款将有助于他们保持贷款义务的流动. 延期付款不是为了解决长期的经济困难.
原利率及贷款到期日维持不变. The unpaid interest will be treated separately and added to a 0% interest fee account 在贷款期限结束或偿还时作为最后一笔付款.
此付款延期计划适用于封闭和开放式抵押贷款.
Temp Payment Reduction
这个计划提供了一个暂时减少抵押贷款的支付, 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. 在扣款期结束时,逾期款项不予免除, 而是通过后续的还款计划或贷款修改来解决这些金额.
要考虑为临时付款减少计划,一个帐户 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.
抵押贷款将符合永久困难修改计划的资格 if all of the following criteria are met:
As a condition of approval for the Permanent Modification, 您必须提供与Balance完成债务咨询的证据.
Other Relief Options
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. 这个项目允许人们在没有丧失抵押品赎回权的情况下从他们的家过渡出去.
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 Patelco Credit Union’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.
抵押贷款可能符合丧失抵押品赎回权契约的条件 if all the following requirements are met:
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No, we only place a note on the credit report. 一旦延期完成,票据将从信用报告中删除.
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 and credit card).
The next due date following the skipped due date.
修改后的付款将在修改完成后的30 - 60天内开始.
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.
贷款修改会改变你抵押贷款的一些条款, such as monthly payment, interest rate, and maturity date, 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.
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