Restructuring debt proposal in three hypothetical scenarios: Equal payments, different amounts and one unknown payment, different amounts and three unknown payment
It is common that some debtors -enterprises or particulars- require credit to acquire products or services. To do this people used to signed some promissory notes with different maturities. In this idea, and derived from the potential problems of illiquidity, are seen the need to renegotiate their debts with the creditors, who gave them this financing or credit. Several methods are used to do this. In this paper it is presented a proposal with three hypothetical scenarios from modeling with equivalent equations. The aim is to set a practical methodology that allows identify a factor, which we may use to calculate a new value of debt scheme, and furthermore, integrate the variables such as: time, interest rate, coefficients, original value scheme and new value scheme.
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