201612180051南陽一街哪裡小額借錢包紅包 連帶保證人

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小額信用貸款
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成功案例分享

借錢

幸福的關鍵在自已,勇敢跨出第一步

結婚前我在服飾店擔任店員的工作,對於服飾業的經營有些許的了解,結婚後因為要照顧家庭和小孩,所以決定自己開店,因為身上沒有多餘的資金,在開店時使用的資金都是透過銀行貸款的方式來籌措,沒想到服飾店開業後生意卻不如預期,每個月帳上的數字結餘都呈現虧損狀態,自身的負債也如雪球般越滾越龐大,而為了維持服飾店的正常營運,於是開始使用信用卡和現金卡的預借現金功能來支撐店裡的開銷,開店這兩年來我的負債已經高達150萬,再也無力繼續負擔的狀況下,最後決定結束營業,進入職場尋找穩定的工作來償還我的債務。

面臨生存與償債之間的抉擇

結束服飾店之後,進入職場工作二年,每月固定的薪水收入僅3萬多元,無法完全負擔每月負債必需支出的金額,只好一直以卡養卡以債養債,勉強維持信用上的正常,而過度的信用擴張使得我每月要付給銀行的利息十分驚人,直到先生發生燙傷的意外,對我的生活無疑是雪上加霜,頓時不知該如何是好,醫生說先生必需要休養兩個月的時間,完全無法工作,此時心中第一個念頭是:「家裡的生活開銷該怎麼辦?先生的住院的費用還有我的負債,一個月加起來要繳6萬多元,我到底要拿什麼來償還?」實在是非不得已的情況下,我只好選擇直接與銀行談個別協商,協商方案一個月要繳3萬元,就在此時我的婆婆因為身體不適,告知我無法再幫忙帶小孩,為了照顧先生與小孩,還有身體不適的婆婆,在蠟燭兩頭燒的情況之下迫使我無法再繼續工作,更無法負擔每月要給銀行3萬元的月付金,最後逼不得己為了維持家庭生活的基本開銷,我只好選擇先放棄繳款。

勇敢承擔,生命會為你找到出路

過了幾年直到女兒要上小學,我才又開始進入職場工作,在工作一段時間後,我接到銀行向法院申請強制扣薪的訊息,頓時真的不知該如何是好,當時身邊周遭的朋友及同事都鼓勵著我,要勇敢去面對自己的債務問題,於是當下就撥了電話到OK忠訓國際,請他們專業的債務管理師協助我處理債務的問題,而OK忠訓國際的債務管理師給予我許多建議,因為對於債務的處理,我實在不知該如何著手,決定委託他們成為我辦理更生的諮詢顧問,因為我已經多年未繳款,所以在OK忠訓國際的債務管理師幫我確認負債的總額後,才驚覺幾年沒繳的債務已經從原本的150萬爆增到600多萬,天啊!這對我而言簡直是天文數字,我這輩子有可能還得完這些債務嗎?真的有機會讓我重新來過嗎?就在我徬徨無助時,OK忠訓國際專業的債務管理師告訴我,不用擔心!他們一定會陪伴在我身旁協助我,請我放心好好的工作,而債務的問題就交給他們OK忠訓國際為我開啟希望之門,我決定向法院聲請更生。

感謝這條路上幫助過我的每個人

申請更生時心裡總是忐忑不安,一直在想法院真的會讓我聲請成功嗎?如果申請沒過我該怎麼辦?面對這龐大的債務又該如何是好?還好有身邊的朋友和同事們總是會給予我加油及鼓勵,憑藉著這份力量支撐著我,就這樣在複雜的心情下,一年的時間很快的就過去,2011年2月我終於收到法院的裁決確認書,我的聲請更生通過了!

向法院聲請通過後我的首年月付金僅12,000元,而後七年的月付金是13,200元,償還債務的期間共8年,我看著確定證明書,想到這一年來內心的煎熬實在無法言語,淚水瞬間潰堤不受控制的一直流下,長久以來讓我無法喘息的債務終於找到了解決的出口,在得知法院裁決的這一刻內心的激動和萬分的感謝不知要如何形容,除了感謝一直在身旁支持我的朋友及同事,我最想要感謝的是OK忠訓國際的專業服務與時時刻刻站在客戶立場設想的同理心,這一年來在辦理更生過程中他們的陪伴和專業親切的諮詢,給了我很多的支持和鼓勵,讓我能夠安心的繼續工作,透過他們的協助後,我真的覺得OK忠訓國際是一個很棒的團隊,如果當初沒有透過他們的協助,現在我的更生聲請可能還無法順利聲請成功,在此我真的由衷的感謝這一路上幫助過我的每一個人。

分享是付出的開始,助人是最終的到達

經過這次的更生成功OK忠訓國際的債務管理師鼓勵我站出來,和大家分享我的故事,幫助一些和我一樣曾經陷入債務困境中的朋友,面對債務這一路的辛苦我都知道而我也走過來了,也請你們一定要勇敢的站出來處理自己的債務問題,只要秉持堅持到底的信念,相信您也會和我一樣有更生成功的機會,順利擺脫債務的問題,這樣才能讓自己有重新來過的機會迎向嶄新人生。

OK忠訓國際 債務清理條例,生命勇者現身說法










  • Real-time transparency of plans and usage consumption


  • "ItsOn's transformational technology is a leap forward for mobile service delivery in Saudi Arabia, allowing us to create a truly breakthrough digital mobile brand," said Subhra Das, CEO of Jawwy from STC. "Consumers across the world increasingly demand a better mobile experience with more control, transparency and personalization of their plans, which wouldn't normally be possible due to the limitations of legacy systems. ItsOn will help us deliver the most enjoyable mobile digital experience to our users."

    "We needed to develop a new offering for digitally-savvy young people," said Dr. Khaled Biyari, CEO of STC Group. "The millennials of today's Saudi Arabia exemplify the ongoing shift in consumer behavior and expectations. They live in an always-on, real-time world and they expect companies to cater to them in the same way. Jawwy is a significant part of STC's current digital transformation and we believe this initiative will set the pace for the telecom sector in KSA and beyond."

  • e-Commerce with delivery and pick-up options
  • 毛蟹行小額借款,毛蟹行小額貸款流程





  • Rapid service activation leveraging existing social network credentials


  • New service sharing capabilities across devices, accounts or family members






  • To ensure that this transformational initiative is deep-rooted and sustainable, STC has set up a dedicated digital business unit to design, develop and operate Jawwy. The new team's mandate is to innovate by reimagining solutions for the current issues南陽一街哪裡小額借錢包紅包 and evolving needs of a new generation.

    alex@inkhouse.com

    STC was established in 1998 and currently has about 100,000,000 customers worldwide and serves customers through a fiber-optic network that spans 137,000 kilometers across Asia, the Middle East and Europe.

    Unlike other operators, customers do not need to purchase a new device to enjoy the benefits of the Jawwy service. These new digital experiences are made accessible to all consumers by simply purchasing a Jawwy SIM card and downloading the Jawwy application – all powered by the ItsOn platform. This first-of-its-kind app will be available in both iOS and Android versions.

  • Contextual and personalized mobile commerce bundles and offers




  • About STC







    Today's announcement proves how ItsOn can rapidly integrate with mobile operators, enable them to launch a variety of new digital services, and provide a seamless, digital consumer experience.

    Besides its wholly-owned main operation in Saudi Arabia, STC's investments include 100% ownership of Viva Bahrain, 51.8% of Viva Kuwait (along with a management contract), 35% of Oger Telecom Limited in UAE (which controls Turk Telecom, Avea in Turkey, Cell-C in South Africa, and 25% of Binariang GSM Holding in Malaysia which controls Maxis in Malaysia and Aircel in India). In addition to the above, STC has other investments in information technology, content, distribution, contact centers and real estate, all of which support its telecommunications operations across the Middle East.

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    415-299-6586







    "Jawwy from STC is a visionary brand that believes in offering its customers simplicity, transparency and trust. The digital experiences it will deliver to its customers directly align with this intent," said Greg Raleigh, CEO and founder of ItsOn. "We designed our platform and our company for just this type of partnership-- to seamlessly integrate with operators, so they can quickly become a digital service provider, engage better with users and increase customer loyalty. STC and Jawwy deserve great recognition for implementing this innovative, customer-centric digital service delivery infrastructure and brand."







    Headquartered in Riyadh, Saudi Telecom Group is the largest telecommunications company in the Middle East and North Africa based on market value, with revenues of 50,836,000,000 billion riyals ($13,556,000,000) in realizable revenue in 2015 and 9,334,000,000 billion riyals ($2,489,000,000 dollars) of net income.

  • Personalized plan creation and management




  • Online, social and peer-to-peer customer support


  • In Saudi Arabia (the group's major market) STC operates the largest modern mobile network in the Middle East covering over 99% of the country's populated areas in addition to providing 4G mobile broadband service to over 85% of the population of the Kingdom of Saudi Arabia.



    Saudi Arabia has one of the world's highest penetration rates of smartphones, social media and online platforms, and Saudis under the age of 30 comprise around 65 percent of the population. This has led STC to adopt new approaches to better meet the evolving needs of young, digitally-savvy customers, including the launch of Jawwy from STC. This launch will deliver new, innovative capabilities and services to this customer segment, including:



      About Jawwy from STC

      REDWOOD CITY, California, May 4, 2016 /PRNewswire/ -- Today, ItsOn and Saudi Telecommunications Company (STC), which serves more than 100 million customers, announced the imminent launch of a new digital mobile brand, Jawwy from STC, to be available before the end of the month. Jawwy from STC is designed to meet the increasing demands of mobile customers in Saudi Arabia. In this partnership, STC will use ItsOn's cloud-based platform to build and launch the disruptive new carrier brand as part of its broader digital transformation.

      Jawwy from STC is a new digital mobile experience for today's digital millennials. We say it is 'Personal mobile service, in an app.' It has its own SIM, app and freshly designed digital channels for buying and receiving support. With the app, users can build, manage and share their plan in real time, giving them complete control over the services they buy and use. The app is available in iOS and Android versions. To know more, please visit jawwy.sa.



      About ItsOn



      ItsOn is a proven leader in the telecommunications industry, having fundamentally changed how mobile services are delivered and consumed. The company launched its services platform for mobile operators in the U.S. and globally last year, and counts both Sprint and Virgin Mobile as customers. ItsOn investors include Andreessen Horowitz, Tenaya Capital, Vodafone Ventures, Verizon Investments, Cisco and Delta Capital Partners. The company is privately held and headquartered in Redwood City, CA. For more information, please visit www.itsoninc.com or follow @ItsOnInc on Twitter.



      Alex Ingram

      -Global Operator Reimagines Mobile Experience for Millennials


      As operators seek new opportunities to grow their business beyond traditional voice, text and data services, ItsOn enables them to deliver new digital capabilities, services and bundles to consumers through an amazing and appealing real-time end-user experience. The platform automates key operator business and operational support functions - such as billing, charging, rating, policy, activation, marketing and on-device purchases - to deliver a superior digital consumer experience.

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