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Sunday, 13 November 2011 21:28

የአቶ መርኪና መጃ ግለ ታሪክ። ክፍል ሁለት። Featured

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የአቶ መርኪና መጃ ግለ ታሪክ። ክፍል ሁለት።

በዚህ ክፍል በተለያዩ ጉዳዮች ላይ መርኪና የጻፉትን በአጭር በአጭሩ በመጥቀስ እንጨርሳለን።

ዘርና ጎሣ። ጊዜው 1948 ሆኖ ከኖርዌጂያን ሉተራን ሚስዮን ጋር እየሠራሁ በነበርኩበት ወቅት ታንዛንያ የተካሄደውን የሉተራን ዓለም ፌዴሬሽን ጉባዔ ለመካፈል አጋጣሚ አገኘሁ …በረርንና ኬንያ ደረስን … በሚቀጥለው ቀን ጧት በአውቶቡስ ተጓዝን …የአውቶቡሱ አሽከርካሪዎች ሁለት አፍሪካውያን ነበሩ። በአውቶቡሱ ውስጥ አንድ እንግሊዛዊ ከነሚስቱ ተቀምጦ ነበር። ከሦስት ሰዓት ጉዞ በኋላ ለራት ቆምንና ከእንግሊዛዊውና ከሚስቱ ጋር ወደ ምግብ ቤት አመራን። በልተን ስንወጣ ከአውቶቡሱ አሽከርካሪዎች አንዱ፦ “እናንተ አፍሪካውያን ናችሁ። እዚህ ነጮች ብቻ እንዲገቡ በተፈቀደበት ቤት ለምን ገብታችሁ ትበላላችሁ” አለን። እኛም፣ “በአገራችን እንደዚህ ዓይነት ነገር የተከለከለ አይደለም” አልን። እኛ በዚህ አገር ፍጹም እንግዶች ነን። የኬንያ አሽከርካሪዎች የአዳም ልጆች አይደሉም? የውጪ ዜጎችስ የማን ዘር ናቸው? እንደዚህ ዓይነት የዘር መድልዎ ለእኛ እንግዳ ነገር ነበር። እንደዚህ ዓይነቱን ልዩነት እግዚአብሔር ያስወግድ ብለን ጸለይን። [ገጽ 45]

አሜሪካ በነበርንበት ጊዜ [1957] ዳግመኛ የጥቁርና የነጭ ልዩነት ተነሣ። ልጆቻቸው በተመሳሳይ ትምህርት ቤት አይማሩም፤ በጸሎት ቤት ውስጥ በአንድነት አይቀመጡም፤ በአንድ አውቶቡስም አብረው አይሳፈሩም። ይህ የእግዚአብሔርን ቃል የሚጻረርና ማንም የማይክደው ሃቅ ነው። በአሜሪካ በቆየሁበት ጊዜ የተመለከትኩት አንድ ደካማ ነጥብና በአዕምሮዬ ለተፈጠረብኝ ጥያቄ መልስ ያጣሁለት ቢኖር የቆዳ ልዩነት ጉዳይ ነበር። “ዓለማውያኖች ደስ የሚላቸውን ያድርጉ፤ ነገር ግን ክርስቲያኖች ለምን በጌታ ቃል ላይ አይቆሙም? “የክርስቶስን ፈለግ ለምን አይከተሉም? ክርስቶስ ራስ ሲሆን፣ እኛ ብልቶቹ ነን። ልዩነት የለም፤ የአሜሪካ ክርስቲያኖች ይህን ማሰብ ይኖርባቸዋል።” [ገጽ 91-92]

እኛ ክርስቶስን ስናምን በጎሣና በዘር ልዩነት ነበረን። የእግዚአብሔር ቃል በመጀመሪያ አዳምና ሔዋንን ፈጠራቸው፣ ከእነርሱ የሰዎች ዘር ሁሉ እንደ መጣ ቃሉ ይናገራል። ስለዚህ እኛ አማኞች ከሆንን በኋላ በፊት ከማናገኛቸው ሰዎች ጋር አብረን በላን፣ ጠጣን፤ አንድነት አደረግን። ስለዚህ በአሜሪካን አገር ያላችሁ አማኞች አሳባችሁን ለውጣችሁ ጥቁሮችን ብታስተምሩ ጥሩ ነው።” [ገጽ 176]

በአጋንንት ላይ ሥልጣን። ነባር ቤተክርስቲያን እያጠናከርን፣ ለአዳዲስ ቤተክርስቲያናት ቤት ለመሥራት የሚመች ቦታ እንመርጥ ነበር። በየሄድንበት ቦታ ቃሉን እንሰብካለን። ሾሻ ወደሚባለው አካባቢ ስንደርስ፣ በርኩስ መንፈስ የሚሠቃይ ሰው ነበር። ብዙውን ጊዜ ሰይጣን እሳት ውስጥ እንዲሁም ወንዝ እየወሰደውም ይጥለው ነበር። ጎረቤቶቹም በሰንሰለት ማሰሩ ሰልችቷቸው ነበር። በሰይጣን የተያዘው አቶ ሻለሞ የሚባለው ሰው ሲሆን፣ ከእኔ ጋር አቶ አንጁሎ የሚባል ወንጌላዊ ነበርና ሰውየውን አይቶት መጽሐፍ ቅዱስን በራሱ ላይ ጭነን እንጸልይለት፣ ሰይጣኑም ይለቅቀዋል አለኝ። ወደ እርሱ ስንጠጋ፣ ሰውየው እያለቀሰ ወደ ጓዳ ገብቶ ተደበቀ። እኛም ተከትለነው “በኢየሱስ ክርስቶስ ስም ከእርሱ ውጣ” ብለን ጸለይንና፣ ደግመንም፣ “ይህ የእግዚአብሔር ሰው ነው። በክርስቶስ ደምና በቃሉ እናዝሃለን፤ ለቅቀኸው ውጣ” አልን። መጽሐፍ ቅዱሱንም በላዩ ላይ ጭነን እንደገና ጸለይን። የሰይጣን መንፈስም ለቀቀውና ሰውየው ደህና ሆነ። ሦስት ዓመት ሙሉ በሰንሰለት ታስሮ የኖረ ሰው በጌታ ኃይል ፈውስን አገኘ። [ገጽ 57-58]

እምነት፣ ታማኝነትና መስዋእትነት። መባ አሰጣጣቸው ሁልጊዜ የሚያስደንቀኝ ነበር። በወቅቱ ገንዘብ ያልያዙ ሰዎች ቃል ሲገቡ ይመዘገባሉ። ገንዘብ ይዘው የመጡትም ወዲያው ይከፍላሉ። ባለፈው ዓመት ቃል ገብቶ የነበረ ሰው ገንዘቡን ሳይሰጥ ቢሞት ሚስቱ አምጥታ ትከፍላለች። ለምሳሌ፣ የአቶ ሳቃቶ ሚስት በሞተች ጊዜ ቃል ገብታ የነበረችውን ገንዘብ ባለቤቷ ከፍሏል። አማኞች ሥራቸው ገንዘብ ሰጥተው የወንጌላዊውን ወጪ ችለው መላክ ብቻ አይደለም። የለበሱትን ልብስ አውልቀው ለጌታ አገልጋዮች እንዲሰጥላቸው ያበረክቱ ነበር። ሰዓታቸውንም ከእጃቸው እያወለቁ ይሰጡ ነበር። አንዳንድ ጊዜ ደግሞ ጫማቸውን እያወለቁ ይሰጡ ነበር። በሬ፣ ላምና በቅሎ የሚሰጡም ነበሩ። ልጆች ደግሞ ያረቡትን ዶሮ ይሰጡ ነበር። ከዚህ ሁሉ በላይ ደግሞ ብዙዎች ወንጌላዊ ሆነው ለማገልገል ራሳቸውን ይሰጡ ነበር። ይህን የሚያደርጉት ለጌታ ካላቸው ፍቅር የተነሣ እንጂ ማንም አስገድዷቸው አልነበረም …አቶ ኤካሶም “እኔም አንድ ላም አለችኝ። የላሟን ወተት ግማሽ ለጌታ መስጠት እፈልጋለሁ” አለ። በሚቀጥለው ቀንም ለሁለተኛ ጊዜ ቆሞ፣ “እኔ የላሟን ወተት ከጌታ ጋር መካፈል አልፈልግም። ላሟን እንዳለች ለጌታ ሰጥቻለሁ” አለ …በስብሰባው መጨረሻ ቀን አሁንም አቶ ኤካሶ ተነሥቶ፣ “የወላይታ ቤተክርስቲያን ሽማግሌዎች ቦርድ አባል ከምሆን፣ ወንጌላዊ ሆኜ ለማገልገል ራሴን ሰጥቻለሁ። ጌታ ወደ ላከኝ ቦታ ሁሉ እየሄድኩ ማገልገል የተሻለ ነው። ወንጌላዊ ሆኜ በሕይወቴ ሙሉ ጌታን ለማገልገል ራሴን ሰጥቻለሁ። [ገጽ 59-60፣ 82]  

ገንዘብና አገልግሎት። ወደ ዳሞት ፍላሳ ማኅበር ኮርስ ለመጀመር በምንሄድበት ጊዜ ከአቶ አታሎ ቤተክርስቲያን አንድ ሰው፣ “የት ትሄዳላችሁ?” ብሎ ጠየቀን። እኛም “ኮርስ ልናስተምር ነው የመጣነው” ብለን መለስን። ሰውዬውም፣ “በሶዶ ዓመታዊ ጉባዔ የሰጠነው ገንዘብ ተልኳል። አሁን ወደ እኛ መንደር ብትመጡ፣ ሌላ ገንዘብ ዳግመኛ የሚሰጣችሁ የለም” አለን። እኛም መልሰን “እኛ ገንዘብ ለመጠየቅ አልመጣንም፣ የመጣነው የእግዚአብሔርን ቃል ልናስተምር ነው፤ አንተም መጥተህ የእግዚአብሔርን ቃል ስማ” አልነው …ስብሰባው ለሦስት ቀን ቀጠለ። አንዲት እኔ የማላውቃት ሴት ሁልጊዜም ስብሰባ ላይ የምትገኝ ስትሆን፣ ከፊት ለፊት ተቀምጣለች። እርሷም በወገቧ ያለውን መቀነቷን ፈታችና ገንዘብ አውጥታ ሰጠች። ቀጥላም የአንገት ልብሷን/ነጠላዋን፣ በቀጣዩም ጊዜ ሻሽዋን ሰጠች። በመጨረሻም፣ የፈረስ መጋለቢያ ሱሪዋን ሰጠች። “ገንዘብ የሚሰጥ የለም” ይል የነበረው ሰው በየቀኑ በበቅሎው ላይ እየተቀመጠ ይመጣና ስብሰባውን ይካፈል ነበር። በቅሎውንም ከደጅ ሣር በሚበላበት ቦታ ያስረዋል። በኮርሱ መጨረሻ ቀን ተነሥቶ ቆመና “አስቀድሜ የምትሰበሰቡት ገንዘብ ለመውሰድ ነው። ማንም ግን የሚሰጣቸው የለም ብዬ ነበር። አሁን የእግዚአብሔር መንፈስ በቅሎዬን እንድሰጥ አሳስቦኛል። ከጌታ መንፈስ ጋር መከራከር አልችልምና በቅሎዬን ሰጥቻለሁ” አለና አምጥቶ ሰጠ። እኛም ጌታን አመሰግን።[ገጽ 79-80]

የሴቶች ጉዳይ። ሴቶች ቸል ይባላሉ ወይ? በቤተክርስቲያን ሽማግሌዎች ክትትል ሚስ በርግስተን ከወላይታ ወረዳ አብያተ ክርስቲያናት ልጃገረዶችን መርጠው መጽሐፍ ቅዱስና እጅ ሥራ ብዙውን ጊዜ ሹራብ ሥራ እንዲማሩ ተደረገ። ሴቶች ወገባቸውን የሚያስሩበትንና ለልጆቻቸውም ደግሞ ሹራብ ይሠራሉ። ሥልጠና አግኝተው የሚሄዱ ልጃገረዶች በተራቸው ሄደው በቤተክርስቲያን የሚገኙትን ሴቶች መጽሐፍ ቅዱስንና የሹራብ ሥራን ያስተምራሉ። [ገጽ 68]

ቤተክርስቲያንና መንግሥት። በ1953 ዓ.ም. አንድ ጊዜ በአካባቢያችን የብዙ ሕዝብ መታሠር ነበር። ክርስቲያኖቹም መልሰው፣ “መንግሥት ሃይማኖት የግል አገር የጋራ መሆኑን በሕገ መንግሥቱ ደንግጓል። እንዴት እንደ ከብት እየነዳችሁን በእስር ቤት ታጉሩናላችሁ?” አሉ …[አዲስ አበባ ሄደን] ማመልከቻ ለማቅረብ ወሰንን። የኢትዮጵያን ባንዲራ ይዘን ከስድስት ኪሎ ወደ ታላቁ ቤተመንግሥት አመራን። ሁላችንም አቤት እያልን እንጮህና እናለቅስ ነበር። ንጉሡም ጩኸታችንንና ለቅሶአችንን ሰምተው ወደ እርሳቸው እንዲያቀርቡን ወታደሮቻቸውን አዘዙ። [ገጽ 132]

ቤተክርስቲያንና ልማት። የወንጌል ሥራና የዕድገት/የልማት ሥራ ጎን ለጎን የሚሄዱ ናቸው። በአውራጃችን ውስጥ መሃይምነትን ለማጥፋት 738 ቤተክርስቲያናት ትምህርት ቤቶችን አዘጋጅተው አስተምረዋል። ዶክተሮች፣ አስተዳዳሪዎች፣ አስተማሪዎች፣ የሕግ ባለ ሙያዎች እና ሌሎች በርካታ ምሁራን ከእነዚያ ቤተክርስቲያን መሥርታ ካስተማረቻቸው ትምህርት ቤቶች የፈለቁ ናቸው። ለወላይታ በዘመናዊ ትምህርት መራመድ በሩን የከፈተችው ቤተክርስቲያን ነች። [ገጽ 123]                              ተፈጸመ።

 

�� ���P�y p ዛሬውኑ ማመን አለባችሁና ፍጠኑ፤” እያሉ ያስጠነቅቁ ነበር።

 

 

በማጠቃለያውም፣ ስንቶቻችን በጌታ ኢየሱስ ክርስቶስ ለማመን እንፈልግ እንደ ሆነ ጠየቁን። ብዙ ሰዎች እጆቻቸውን አወጡ፤ አባቴና እኔም እጆቻችንን አነሣን። አቶ ዋንዳሮም ስብከታቸውን ቀጠሉ። አሁን ሁላችሁም በጌታ ኢየሱስ ክርስቶስ በእርግጥ እናምናለን የምትሉ ከሆነ፣ ሰይጣንንና መላእክቱን ማምለክ አቁሙ። እባካችሁ እኔ የምለውን ቃል ከእኔ በኋላ ድገሙ።

 

“አሁን ሰይጣንን ክጃለሁ። በኢየሱስ ክርስቶስም አምናለሁ። እርሱ ለኃጢአቴ እንደ ሞተልኝ አውቃለሁ። ከኃጢአቴም እንዲያነጻኝ እፈልጋለሁ፤ ዳግመኛ ሰይጣንን አላመልክም፤ ነገር ግን ኢየሱስን እከተለዋለሁ፤ እታዘዘዋለሁም” እያልን ደገምን። ከዚያም ከኢየሱስ ጋር ለመኖር እንዲረዳን አንዳንድ ቀላል መመሪያዎችን ሰጡን። ወደ ቤታችሁ ሂዱና በቤታችሁ ውስጥ የሚገኙትን ለጣዖት አምልኮ የምትጠቀሙባቸውን ቁሳቁሶች አውጥታችሁ ጣሉ። ሁሉንም አቃጥሉት፤ ከዚያም ምግባችሁን በምትመገቡበት ጊዜ፣ ሥራችሁን በምትጀምሩበት ጊዜ፣ እንዲሁም ማንኛውንም ነገር ለመሥራት በምታቅዱበት ጊዜ፣ እግዚአብሔር እንዲመራችሁና እንዲባርካችሁ በጸሎት ጠይቁት። በጸሎታችሁም መደምደሚያ ላይ ይህንን ሁሉ በኢየሱስ ክርስቶስ ስም እንጠይቅሃለን ካላችሁ በኋላ “አሜን” ብላችሁ ደምድሙ። በተጨማሪም በጉልበታችሁ ተንበርክካችሁ ማጎንበስ ጥሩ ነው። ስትጸልዩም ዓይኖቻችሁን ትጨፍናላችሁ፣ ካሉን በኋላ ቡና አቀረቡልንና ከመጠጣታችን በፊት ለእኛ እንዳስተማሩን ሲጸልዩ ሰማናቸው። ወደ ቤታችን እንደ ገባን፣ የሆነውን ሁሉ ለመላው ቤተሰብ አስረዳንና እነርሱም በጌታ ኢየሱስ ክርስቶስ እንዲያምኑ አጥብቀን ገፋፋናቸው። ታላቅ ደስታም ተሰማን። በቤታችንም ውስጥ ሁሉ ነገር አዲስ መሰለ። እናቴ ቡና አፍልታ “እንጸልይ” አለችን።

 

አባቴም ደግሞ ተንበርክኮ ጸለየና ሁለታችንም ድምጻችንን ከፍ አድርገን፣ “አሜን” አልን። ቤተሰቡ በሙሉ ተደነቁና ምን እንደምናደርግና ወደ ማን እንደምንናገር ጠየቁን። እኛም የተቻለንን ያህል ልናስረዳቸው ሞከርን። እኛ የምንናገረውና የምንጸልየው ጌታ ኢየሱስ ወደሚባለውና የእግዚአብሔር ልጅ ወደ ሆነው፣ እንዲሁም ከሰማይ ወደ መጣው ነው። እርሱ ለኃጢአታችን ሲል ሞቷል፣ ከሞትም ተነሥቷል፤ ወደ ሰማይም ሄዷል፤ ነገር ግን ተመልሶ ይመጣል። የሚያምኑትንም ከእርሱ ጋር ወደ ሰማይ ይወስዳቸዋል። የማያምኑትን ደግሞ በእሳት ባሕር ውስጥ ያቃጥላቸዋል። እናንተም ደግሞ በእርሱ እመኑና ዳኑ ብለን ተናገርን። ወዲያውም አባቴ ተነሣና ሰይጣንን ያመልክ በነበረ ጊዜ ይጠቀምባቸው የነበሩትን ጥቃቅን ዕቃዎችና የተሰቀለውን ልብስ ጨምሮ ወሰደ። እነዚያ ዕቃዎች ሁሉም ወንበዴውን ገድሎ የወሰዳቸው ናቸው። ሁሉንም ሰብስቦ ዥው ባለ ገደል ውስጥ ከተታቸው። ዕቃዎቹ ስለ አሮጌው ሕይወቱ የሚያወሱ ነበሩና ሁሉንም አስወገዳቸው።

 

እናቴና በቤት ያሉት ልጆች በሙሉ ልባቸው በጌታ ኢየሱስ ክርስቶስ ለማመን ከአንድ ወር በላይ አልወሰደባቸውም። እናቴንና የቀሩትን ልጆች በሙሉ በተለይ ያሳመናቸው ነገር ቢኖር በአባቴ ላይ ያዩት ትልቅ ለውጥ ነበር። አባቴ አስቀድሞ የነበረው ባሕርይ፣ አንድ ነገር ሲበላሽ በእናቴ ላይ ይጮህና ይቆጣ ነበር። ልጆቹ በሙሉ ይፈሩት ነበር። አሁን ግን ፍጹም ተለወጠና በጣም ደግ ሰው ሆነ። በእኔም የሚታየው ለውጥ ግልጽ ነበር። ለእናቴ ልጆች በሙሉ ጥሩ አልነበርኩም። ከቤት ውስጥም አንዳንድ ነገሮችን እሰርቅ ነበር፤ አሁን ግን በእውነት ተለወጥኩ። “እናንተ ቀድሞ ወገን አልነበራችሁም፤ አሁን ግን የእግዚአብሔር ወገን ናችሁ፤ እናንተ ምሕረት ያገኛችሁ አልነበራችሁም፤ አሁን ግን ምሕረትን አግኝታችኋል” ይላል። [1ኛ ጴጥሮስ 2፡10]

 

ማሳሰቢያ፦ በዚህ ክፍል የሚከተሉትን ነጥቦች በጥሞና እናስተውል፦ የመዝሙርና የቃሉን ጥምረት። የአባትና የልጅ ፍቅር። ለእግዚአብሔር ቃል ያለውን ጥማትና አክብሮት። ለመማር ያለውን ፍላጎትና ምክንያት። ቃሉን ለማስተማር ያለውን ትሕትናና ቅንነት። የገቡትን ቃል ስለ መጠበቅ። ከግል ጥቅም ጋር ሳይያያዝ እግዚአብሔርና ሰውን ስለ ማገልገል።

 

ክርስቲያኖች ይዘምሩ የነበሩትን መዝሙሮች መዘመር ወደድን። አንድ ጊዜ ወደ አቶ ጉንታ ቤት ሄድንና አዲስ መዝሙር ተማርን። ወደ ቤታችን ስንመለስ በመንገዳችን ሁሉ እየዘመርን ስንሄድ፣ የመዝሙሩን ዋና ቃል እንደ ረሳን አስተዋልን። መዝሙሩን በሚገባ ለማወቅ ከነበረን ፍላጎት የተነሣ ተመልሰን ወደ አቶ ጉንታ ቤት ረዥም ጉዞ አደረግን። ወደ ቤቱ በደረስን ጊዜ ግን አቶ ጉንታ በከባድ እንቅልፍ ላይ ነበር። የመዝሙሩ ቃላት ተረስቶናልና እባክሽን ቀስቅሽልንና አንደ ጊዜ ዘምሮልን ቃሉን እንያዝ፣ እርሱም ተመልሶ ይተኛል ብለን ባለቤቱን ለመንናት። እርሷም ከእንቅልፉ ቀሰቀሰችልንና ተነሥቶ መዝሙሩን አዜመልን። ከዚያም አባቴ፣ ወንድሜና እኔ ወደ ቤታችን ተቻኮልን፤ በመንገዳችንም እየዘመርን ሄድን፤ ወደ ቤታችን በደረስንም ጊዜ መዝሙሩን በሚገባ መዘመር ችለን ነበር።

 

      ጌታችን ከሰማይ ወረደ

ከድንግል ማርያም ተወለደ

በመስቀል ላይ ሞተ፣ ሞትንም አሸነፈ

ኃጢአታችንን ተሸከመልን

ተነሣና ወደ ሰማይ ዐርጓል

ተመልሶ ይመጣል

ቅዱሳኑን ለመውሰድም አይዘገይም

 

አዲስ ባገኘነው እምነታችን ለማደግ ከእግዚአብሔር ቃል የበለጠ መማር እጅግ አስፈላጊያችን ነበር። ጎረቤታችን አቶ ጉንታም በታማኝነት አስተምረውናል። እኛም ውስብስብ የሆነውን የአማርኛ ፊደል መማር ጀመርን፤ ምክንያቱም መጽሐፍ ቅዱስ የተጻፈው በእነዚህ ፊደላት ስለ ነበር ነው። አባቴ ወደ እራሾ ቤት ሄጄ ፊደልን እንድማር ነገሮችን አመቻቸልኝ። አቶ እራሾ አስቀድሞ ማንበብ የቻለ ስለ ነበር፣ ለጌታ ካለው ፍቅር የተነሣ በፍቃደኝነት የምሥጋና መዝሙሮች ይዘምራል፣ ወንጌልን ይሰብካል፤ እንዲሁም ያለ ክፍያ የአማርኛ ፊደልን ያስተምራል። ለብዙ ቀናት ወደዚያ ስሄድ የምደርሰው ሌሎች ልጆች ተምረው ወደየቤታቸው ተበታትነው ነበር፤ ምክንያቱም ወደ ፊደል መማሪያ ቦታ ከመድረሴ በፊት የምሠራቸው ብዙ አሰልቺ ሥራዎች ስለነበሩብኝ ነው። ብዙ ሳንቆይ ማንበብ ቻልንና የእግዚአብሔርን ቃል የበለጠ እየተረዳን ሄድን። አባቴም በስተ እርጅናው ማንበብ እንደ ሌሎቹ ተማረ። እግዚአብሔርም ምን እንዳደረገልን፣ እርሱን ከሚከተሉትም ጌታ ምን እንደሚፈልግ ማወቅን በጣም እንራብ ነበር።

 

ከጥቂት ጊዜያት በኋላ አባቴና እናቴ ተጠመቁ። እኔም አብሬአቸው ለመጠመቅ ብፈልግም፣ እነርሱ ግን አንተ ገና ልጅ ነህ ብለው አገዱኝ። በደንብ ማንበብ ስትችል ያኔ ትጠመቃለህ አሉኝ። እኔም በጣም ተረብሼ እያለቀስኩ እጠመቅ ዘንድ ለመንኳቸው። ለማግባባት ግን አለመቻሌን በተረዳሁ ጊዜ፣ “ጌታ ሆይ፣ ቶሎ ለማንበብ እንድችል እርዳኝ። ለመጠመቅ እንድችል ብትረዳኝ በቀሪው የሕይወት ዘመኔ አገለግልሃለሁ” ብዬ ጸለይኩ።

 

ከአቶ እራሾ ጋር መማሬን ቀጠልኩኝ። ከእርሱም ጋር ከቦታ ወደ ቦታ መዘዋወር ጀመርኩኝ። በመጀመሪያ አብሬው እየሄድኩኝ እርሱ በሚሰብክበት ጊዜ እኔ በቅሎውን እጠብቅለት ነበር። ከጥቂት ጊዜ በኋላ ግን በቅሎውን ሌሎች ክርስቲያኖች እየጠበቁ፣ እኔ ፊደል በማስቆጠር እረዳ ነበር። በኋላም ቁንጠሌ በአቶ ፍንጦ ቤት ቆይቼ እዚያ በምትገኘው ቤተ ክርስቲያን እሰብክና አስተምር ነበር። በጨራቂ አካባቢ ከአቶ እራሾ ጋር ስዘዋወር ብዙ ጊዜ በተለያዩ ስፍራዎች ወንጌልን ሰብኬአለሁ። ማንበብና መጻፍ እንደ ቻልኩ፣ ከመጽሐፍ ቅዱስ ክፍል ብዙ ክፍሎችን ለማንበብ በቃሁ። ከዚያም እንድጠመቅ ተፈቀደልኝ። ይህ የሆነው በ1932 ዓ.ም. ሲሆን፣ ጋቼኖ በሚባለው ቦታ ሎላሞ ቦቄ እና ፉላሶ የሚባሉ፣ ከሁምቦ ቤተ ክርስቲያን መጥተው አጥምቀውኛል። ከተጠመቅሁ በኋላ ወደ ዋንቼ ፈጥኜ በመሄድ ደስታዬን ለወላጆቼ አካፈልኳቸው፤ እነርሱም ተደሰቱ። መታወቅ ያለበት በዘመኑ የተቀናጀ እውቀት (ትምህርት) ባልነበረበት በዚያ በኢትዮጵያ ክፍል ቤተ ክርስቲያን ራሷ ማንበብና መጻፍ ታስተምር ነበር። በዚህም ብዙ ወጣቶች ማንበብና መጻፍ ከመቻላቸውም በላይ፣ የአማርኛን ቋንቋ ለማወቅ ችለዋል። በእነዚያ ቀናት ቤተ ክርስቲያን ማደግ ጀመረች፤ ብዙ ወጣቶችና ጎልማሶችም ማንበብ ችለዋል። በአንድ እሑድ ከዋንቼ ቤተ ክርስቲያን 70 ሰዎች ተመርጠው ጥንድ ጥንድ እየሆኑ በ 4 አቅጣጫዎች ተላኩ። ለሚያገኙት ሁሉ በመንገድ ላይም ይሁን በቤት ውስጥ ወንጌልን መስበክ ነበረባቸው። ሲመለሱም ለእኛ ቤተ ክርስቲያን ዘገባቸውን ማቅረብ ነበረባቸው። አቶ ቶማ ቡሬ እና እኔ ወደ ሁምቦ ሄድን። የሐማሳን ወንዝ እንደ ተሻገርን፣ ሰዎች ተሰብስበው አገኘን። አግባብተናቸው፦ “ከእግዚአብሔር ቃል ልናስተምራችሁ ነው የመጣነው፣ ለመስማት ትፈልጋላችሁን?” አልናቸው።

 

ሰዎቹም ለመስማት ጓጉተው ነበርና እንድናስተምራቸው ጋበዙን። አቶ ቶማ ጸልዮ ከዘመረላቸው በኋላ እኔ ተነሣሁና ክርስቶስ ሰዎችን ከኃጢአታቸው ለማዳን እንዴት እንደ መጣ ከእግዚአብሔር ቃል አስተማርኳቸው። ትምህርቱን እንደ ጨረስኩ፣ ጌታ ኢየሱስ ክርስቶስን እንደ ግል አዳኝ አድርጎ ለመቀበል የሚሻ ከመካከላቸው እንዳለ ጠየቅሁኝ። ጥቂት ሰዎች እጆቻቸውን አነሡ፤ እኔም ሰይጣንን ክደው ኢየሱስ ክርስቶስን እንደ ግል አዳኛቸው አድርገው ለመቀበል የሚሹ ከመካከላቸው እንዳሉ ዳግመኛ ጠየቅሁኝ። ጥቂት ሰዎች እጆቻቸውን አነሡና ሰይጣንን ክደው ኢየሱስ ክርስቶስን እንደ ግል አዳኛቸው አድርገው እንዲቀበሉ በጸሎት መራናቸው። በቤታቸውም ውስጥ ለሰይጣን አምልኮ ያስቀመጡአቸውን ዕቃዎች እንዲያስወግዱ አስተማርናቸውና ከቤታቸው አውጥተው እንደሚጥሉም ቃል ገቡ። በየሳምንቱ እሑድ እየሄድን እንደምናስተምራቸው ነግረናቸው ጉዞአችንን ወደ ሌላ ቦታ አደረግን። የዚያን እሑድ ጉዞአችን ከተለያዩ ብዙ ቡድኖች ጋር እንድንገናኝ አድርጎናል። ማንቴ ኮቴ በሚባለው ቦታ ብዛት ያላቸው ሰዎች በአንድ ቦታ ተሰብስበው አገኘንና ከእግዚአብሔር ቃል ልናስተምራቸው እንደምንፈልግ ገልጸን ፈቃደኝነታቸውን ጠየቅናቸው። እነርሱም ፈቃደኝነታቸውን ገለጹልን። መዝሙር ከዘመርን በኋላ ስለ ደኅንነት ማስተማር ጀመርን። እግዚአብሔር ልጁን ስለ ኃጢአታቸው አሳልፎ እንደ ሰጠ፣ ነገር ግን ሁላችንም ኃጢአተኞች ነንና አዳኝ ያስፈልገናል ብለን የተቻለንን ያህል በግልጽ ካስተማርናቸው በኋላ፣ በየሳምንቱ እየመጣን እንደምንከታተላቸው ቃል ገባንላቸው። ከዚያም ከሌላ አካባቢ የተከናወነውን ሥራ ለመስማት ወደ ቤት አመራን። በዋንቼ ቤተ ክርስቲያን የቀሩት አማኞች ቀኑን ሙሉ እየጸለዩልን ነበር። ከሰዓት በኋላ ክርስቲያኖቹ ወንጌልን ለመስበክ ለሄዱት 70 ሰዎች ምግብና ቡና በማዘጋጀት ሥራ በዝቶባቸው ዋሉ።

 

በምሽት ተልከው የሄዱት ሰዎች የሚያሰሟቸውን ዘገባ ለማዳመጥ ሁሉም ተሰበሰቡ። ብዙ ሰዎች ቃሉን ሰምተው በጌታ ኢየሱስ ክርስቶስ አመኑ። ሰይጣንንም ክደው ንስሐ ገቡ። እንዴት ያለ ደስታ ጊዜ ነበር? በመጨረሻም፣ ቡናችንን ጠጥተን ሁላችንም ወደየቤታችን ሄድን። በሚቀጥሉት ቀናት፣ አቶ ቶማ እና እኔ በሁምቦ፣ በኮቴና በሌሎችም አያሌ ቦታዎች ቤተ ክርስቲያንን መሠረትን። በማቴዎስ 28፡ 18-29፣ “ሥልጣን ሁሉ በሰማይና በምድር ተሰጠኝ፣ እንግዲህ ሂዱና አሕዛብን ሁሉ በአብ በወልድ በመንፈስ ቅዱስ ስም እያጠመቃችኋቸው ያዘዝኋችሁንም ሁሉ እያስተማራችኋቸው ደቀ መዛሙርት አድርጓቸው። እነሆ፣ እስከ ዓለም ፍጻሜ ድረስ እኔ ከእናንተ ጋር ነኝ” ያለውን ቃል ለመታዘዝ አጋጣሚ አግኝተን ነበር።           March 2009

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  • Comment Link Loan Settlement  Debt Relief Company Thursday, 08 October 2026 12:28 posted by Loan Settlement Debt Relief Company

    "Home Loan Settlement & Debt Relief Services in India
    Introduction: Understanding Home Loan Settlement During Financial Difficulties

    A home loan is one of the biggest financial responsibilities for individuals and families. Most borrowers take a home loan with the goal of owning a house and maintaining regular EMI payments throughout the repayment period. However, unexpected financial situations such as job loss, business problems, medical emergencies, income reduction, or multiple debt obligations can make it difficult to continue regular repayments.

    When borrowers miss home loan EMIs, the outstanding amount may increase due to applicable interest, overdue charges, and other costs as per lender policies. Continuous repayment difficulties can create financial pressure and may lead to communication from banks, financial institutions, or recovery departments.

    In such situations, many borrowers search for Home Loan Settlement & Debt Relief Services in India to understand available options and find a practical approach to manage their financial obligations.

    Home Loan Settlement is a financial resolution process where borrowers and lenders discuss possible solutions for stressed loan accounts. One common resolution method is One-Time Settlement (OTS), where a lender may consider accepting an agreed amount as a final settlement based on the borrower’s financial condition, documents, repayment history, and internal policies.

    A professional Home Loan Settlement Company can help borrowers understand the settlement process, organize financial documents, communicate with lenders properly, and evaluate available resolution options. However, borrowers should understand that settlement approval depends entirely on the concerned bank or financial institution.

    No external company can guarantee loan settlement approval, fixed discounts, or specific outcomes without official approval from the lender.

    At Settle Loan, borrowers receive guidance related to loan documentation, lender communication, debt management awareness, and possible resolution strategies. The objective is to help borrowers understand their situation clearly and make responsible financial decisions.

    What is Home Loan Settlement?
    Understanding the Meaning of Home Loan Settlement

    Home Loan Settlement refers to a process where a borrower and lender discuss possible repayment solutions for an unpaid or stressed home loan account. It is generally considered when borrowers experience genuine financial hardship and are unable to continue repayment according to the original loan schedule.

    Unlike normal loan repayment, where borrowers complete EMIs until the full amount is paid, settlement focuses on finding a mutually acceptable resolution between the borrower and lender.

    During the settlement evaluation process, lenders may review several factors, including:

    Outstanding loan amount
    Pending EMI details
    Repayment history
    Current financial condition
    Income status
    Property value
    Reason behind repayment difficulty
    Supporting financial documents

    Based on these factors, a lender may evaluate whether a settlement proposal can be considered.

    Borrowers should understand that loan settlement is different from loan waiver. Settlement does not mean that the borrower automatically receives complete forgiveness of the loan amount. The final decision always depends on the lender’s approval process.

    What is One-Time Settlement (OTS)?
    Understanding One-Time Settlement Process

    One-Time Settlement, commonly known as OTS, is a resolution method used by lenders for certain stressed loan accounts.

    Under an OTS arrangement, the lender may review the borrower’s financial situation and decide whether accepting a negotiated payment amount is appropriate according to applicable policies.

    The general OTS process may include:

    1. Financial Evaluation

    The borrower’s financial condition is reviewed, including:

    Current outstanding amount
    Income availability
    Existing liabilities
    Reason for default
    Repayment capability
    2. Document Submission

    Borrowers may need to provide documents supporting their financial difficulties, such as:

    Loan statements
    Income proof
    Bank statements
    Medical documents
    Business loss records
    Employment-related documents
    3. Settlement Proposal Preparation

    A borrower may submit a proposal explaining:

    Financial hardship reason
    Current repayment challenges
    Proposed resolution
    Supporting evidence
    4. Lender Review and Approval

    The bank or financial institution reviews the proposal according to its internal policies.

    5. Completion and Documentation

    After approval and completion of agreed payment terms, borrowers should obtain official documents such as:

    Settlement confirmation
    No Dues Certificate (NDC)
    Loan closure confirmation

    Borrowers should always ensure that settlement communication and payments are completed through official lender channels.

    Difference Between Home Loan Settlement and Loan Closure

    Many borrowers confuse loan settlement with normal loan closure. Both processes are different.

    Home Loan Settlement Normal Loan Closure
    Usually considered after repayment difficulties Happens after completing regular repayment
    Requires lender approval Completed after scheduled repayment
    May affect credit report status Usually reflects successful repayment
    Based on financial hardship Based on original repayment plan

    A borrower who is financially capable of continuing EMI payments should generally consider regular repayment options. Settlement is usually explored when genuine financial challenges make repayment difficult.

    Why Borrowers Search for Home Loan Settlement Services

    Financial difficulties can happen to anyone. Even responsible borrowers may face unexpected situations that affect their repayment capacity.

    Common Reasons Behind Home Loan Default
    Job Loss or Income Reduction

    A sudden loss of employment or reduction in salary can significantly impact monthly financial planning.

    Many borrowers who previously maintained regular payments may struggle when their primary source of income is affected.

    Common reasons include:

    Company layoffs
    Salary reduction
    Employment instability
    Career transition periods
    Business Loss or Cash Flow Problems

    Business owners may face financial difficulties due to:

    Reduced sales
    Market changes
    Delayed customer payments
    Operational losses
    Increased expenses

    When business income decreases, managing regular home loan EMIs may become challenging.

    Medical Emergency and Family Expenses

    Unexpected medical situations can create significant financial pressure.

    High medical expenses, long-term treatment costs, or family emergencies may affect the borrower’s ability to maintain regular loan payments.

    Multiple Loan Obligations

    Some borrowers manage multiple financial commitments, including:

    Personal loans
    Credit card dues
    Vehicle loans
    Business loans

    Managing multiple repayments together can create financial stress.

    Economic Challenges

    Changes in economic conditions can affect income stability.

    Factors such as inflation, reduced business opportunities, and employment uncertainty may influence repayment ability.

    Understanding the actual reason behind financial difficulty helps borrowers prepare a more realistic resolution approach.

    How Home Loan Settlement & Debt Relief Services Help Borrowers

    Professional Debt Relief Services focus on providing structured guidance rather than unrealistic promises.

    A reliable settlement support process may include:

    Financial Assessment

    The first step is understanding the borrower’s complete financial position.

    Assessment may include:

    Loan amount
    Outstanding balance
    Monthly income
    Monthly expenses
    Existing debts
    Repayment history
    Financial hardship reasons

    A proper assessment helps identify practical solutions.

    Document Preparation Support

    Documentation plays an important role in settlement discussions.

    Common documents may include:

    Loan Documents
    Loan agreement
    Loan account statement
    EMI payment history
    Bank notices
    Financial Documents
    Salary slips
    Bank statements
    Income proof
    Business records
    Hardship Documents
    Medical reports
    Hospital bills
    Job loss documents
    Business loss evidence

    Proper documentation helps borrowers present their financial situation clearly.

    Lender Communication Guidance

    Clear communication with lenders is important during financial difficulties.

    Professional guidance may help borrowers:

    Organize settlement requests
    Maintain proper records
    Understand lender communication
    Avoid mistakes during discussions Complete Home Loan Settlement Process, Documents, RBI Rights & SARFAESI Guidance
    Complete Home Loan Settlement Process in India

    When borrowers face difficulties in paying their home loan EMIs, understanding the correct Home Loan Settlement Process becomes important. Loan settlement is not an instant solution; it requires proper evaluation, documentation, lender communication, and approval from the concerned bank or financial institution.

    A structured settlement approach helps borrowers understand their financial position and communicate their situation effectively.

    A professional Loan Settlement Company in India generally follows a systematic process to guide borrowers through different stages.

    5-Step Home Loan Settlement Process
    Step 1: Financial Assessment and Loan Analysis

    The first stage of the settlement process is understanding the borrower’s complete financial condition.

    A detailed financial assessment may include:

    Current outstanding home loan amount
    Pending EMI details
    Interest and applicable charges
    Monthly income status
    Existing financial obligations
    Reason behind repayment difficulty
    Available repayment capacity

    The purpose of financial assessment is to understand whether the borrower is facing genuine financial hardship.

    Common financial hardship situations include:

    Sudden job loss
    Business losses
    Medical emergencies
    Reduced income
    Family financial responsibilities
    Multiple loan obligations

    A proper assessment helps prepare a realistic approach based on the borrower’s actual circumstances.

    Step 2: Loan Document Verification

    Before starting any settlement discussion, borrowers should collect and review important loan documents.

    Proper documentation helps understand the actual loan status and supports communication with the lender.

    Important Documents Required for Home Loan Settlement
    Document Purpose
    Loan Agreement Understand original loan terms and conditions
    Loan Statement Verify outstanding amount and charges
    EMI Payment History Review previous repayment behaviour
    Bank Notices Understand legal communication
    Income Documents Explain current financial condition
    Medical/Business Proof Support genuine hardship reasons
    Why Document Verification is Important

    Loan document review helps borrowers understand:

    Outstanding principal amount
    Pending dues
    Interest calculations
    Penalty charges
    Legal notices
    Account status

    Borrowers should maintain copies of all official communication received from banks or financial institutions.

    Keeping proper records can help avoid confusion during settlement discussions.

    Step 3: Preparing a Home Loan Settlement Proposal

    After reviewing the borrower’s financial condition, a settlement proposal may be prepared.

    A settlement proposal should clearly explain:

    Borrower’s financial difficulties
    Reason for repayment failure
    Current financial position
    Available repayment ability
    Proposed resolution request
    Supporting documents

    A realistic proposal is important because lenders evaluate settlement requests based on actual financial circumstances.

    Borrowers should avoid making unrealistic commitments that may become difficult to complete later.

    Step 4: Negotiation and Lender Communication

    Banks and financial institutions have their own policies for managing stressed loan accounts.

    During settlement discussions, lenders may review:

    Loan account details
    Borrower documents
    Repayment history
    Security information
    Financial hardship reasons

    Proper communication helps ensure that discussions remain documented and transparent.

    Borrowers should remember:

    Avoid Unauthorized Payments

    Never make payments to unknown individuals claiming to represent a bank.

    Always verify:

    Official payment instructions
    Bank account details
    Written approval documents
    Authorized representatives
    Step 5: Settlement Approval and No Dues Certificate

    If the lender accepts a settlement proposal, official communication is provided with applicable terms and conditions.

    After completing payment according to approved terms, borrowers should request:

    Settlement confirmation letter
    No Dues Certificate (NDC)
    Loan account closure confirmation
    Release of property documents (where applicable)

    For secured loans such as home loans, borrowers should confirm the process for receiving original property-related documents after completing lender requirements.

    RBI Fair Practices Code and Borrower Rights
    Understanding Recovery Agent Rules

    Borrowers facing repayment difficulties often experience stress due to repeated calls or communication from recovery departments.

    The Reserve Bank of India (RBI) has issued guidelines requiring lenders and recovery agents to follow fair practices while communicating with borrowers.

    Borrowers have important rights, including:

    Respectful communication
    Privacy protection
    Proper identification of recovery representatives
    Information about outstanding dues
    Official lender communication

    Financial difficulty does not remove a borrower’s legal rights.

    Protection Against Recovery Agent Harassment

    Recovery agents are expected to follow professional conduct while contacting borrowers.

    Borrowers should not face:

    Abusive language
    Threatening behaviour
    Intimidation
    Public disclosure of loan details
    Unnecessary contact with relatives or colleagues

    If borrowers experience inappropriate behaviour, they should:

    Maintain communication records
    Save messages or notices
    Contact the lender through official channels
    Seek appropriate professional advice when required
    SARFAESI Act and Home Loan Settlement
    What is SARFAESI Act?

    The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) provides a legal framework that allows eligible financial institutions to take action against secured assets in certain default situations.

    For home loan borrowers, SARFAESI-related notices can create serious concerns because the property is generally provided as security for the loan.

    Understanding the process helps borrowers respond appropriately.

    SARFAESI Section 13(2) Demand Notice

    A Section 13(2) notice is generally issued when a secured loan account becomes classified as a Non-Performing Asset (NPA) according to applicable banking norms.

    The notice informs the borrower about outstanding dues and provides an opportunity to address the matter.

    After receiving a SARFAESI notice, borrowers should:

    Carefully read the notice
    Verify loan details
    Collect supporting documents
    Understand applicable timelines
    Communicate formally with the lender

    Ignoring official notices may create additional complications.

    Borrower Rights Under Section 13(3A)

    After receiving a demand notice, borrowers may submit their representation or objections according to applicable legal provisions.

    A representation may include:

    Explanation of financial hardship
    Account-related concerns
    Supporting documents
    Request for consideration of available options

    The lender is required to consider borrower representation according to applicable legal requirements.

    SARFAESI Section 13(4) Possession Notice

    If outstanding dues remain unresolved, lenders may proceed with further action under applicable SARFAESI provisions.

    Borrowers receiving possession-related communication should take timely steps.

    Important actions include:

    Do not ignore legal notices
    Keep all documents organized
    Understand deadlines
    Maintain formal communication

    Professional legal guidance may help borrowers understand available options.

    Home Loan Settlement Services Covered by Settle Loan

    A professional settlement guidance service may help borrowers understand different debt resolution options.

    Home Loan Settlement Services

    Support may include guidance related to:

    Home loan repayment difficulties
    EMI default situations
    Settlement discussions
    Documentation requirements
    Borrower communication
    Loan Against Property Settlement

    Borrowers with Loan Against Property (LAP) accounts may require assistance understanding secured loan obligations and possible resolution approaches.

    Personal Loan Settlement

    Personal loans may create financial pressure because of higher interest obligations and multiple repayment commitments.

    Credit Card Debt Settlement

    Multiple credit card dues can increase financial stress. Structured debt management guidance may help borrowers understand possible repayment strategies.

    Debt Management Support

    Debt management involves reviewing:

    Total liabilities
    Monthly income
    Repayment capacity
    Available financial options

    A proper understanding helps borrowers make informed decisions.

    Important Loan Settlement Disclaimer

    Borrowers should understand that every loan settlement case is different.

    Settlement outcomes depend on:

    Individual lender policies
    Borrower financial documents
    Loan account condition
    Internal approval procedures

    No private consultancy or individual can guarantee:

    Fixed settlement percentage
    Guaranteed approval
    Guaranteed loan waiver
    Guaranteed CIBIL improvement

    Borrowers should always verify official documents and make responsible financial decisions. CIBIL Impact, Choosing a Reliable Settlement Company, Debt Relief Strategies, FAQs & Final Conclusion
    Does Home Loan Settlement Affect CIBIL Score?
    Understanding Credit Report Impact After Loan Settlement

    One of the most common questions borrowers ask is:

    “Does Home Loan Settlement affect CIBIL Score?”

    The answer is that loan settlement may impact a borrower’s credit history because lenders and credit information companies may report the account status as “Settled” instead of “Closed.”

    A settled account generally indicates that the borrower and lender reached an agreement where the account was resolved through a settlement arrangement rather than repayment according to the original loan agreement.

    Borrowers should understand the difference:

    Loan Status Meaning
    Closed Full repayment completed according to loan terms
    Settled Account resolved through an approved settlement agreement

    A settlement entry may influence future credit evaluations because lenders consider repayment history while reviewing new loan applications.

    However, borrowers can gradually rebuild their credit profile through responsible financial habits.

    How to Improve CIBIL Score After Loan Settlement

    After completing a settlement process, borrowers should focus on rebuilding their financial reputation.

    1. Pay Future EMIs on Time

    Maintaining timely payments on active loans and credit accounts helps create a positive repayment history.

    Borrowers should:

    Avoid missed payments
    Track EMI dates
    Maintain sufficient account balance
    Use reminders for payment schedules

    Consistent repayment behaviour helps improve financial credibility over time.

    2. Maintain Low Credit Utilization

    Excessive use of credit limits can negatively affect credit profile.

    Borrowers should:

    Avoid unnecessary borrowing
    Maintain controlled credit card usage
    Pay outstanding balances regularly

    Responsible credit management supports long-term financial stability.

    3. Check Credit Reports Regularly

    Borrowers should review their credit reports periodically.

    Check for:

    Incorrect account information
    Duplicate loan entries
    Wrong payment records
    Incorrect settlement status

    If any errors appear, borrowers should contact the concerned credit bureau and lender through proper channels.

    4. Build Positive Credit Behaviour

    Credit improvement requires time and consistency.

    Positive financial habits include:

    Paying bills on time
    Avoiding unnecessary loans
    Maintaining healthy savings
    Managing existing credit responsibly
    Loan Settlement vs Loan Restructuring

    Many borrowers confuse loan settlement with loan restructuring. Both options are different.

    Loan Settlement Loan Restructuring
    Usually considered after serious repayment difficulty Can be considered before severe default
    Requires lender approval Requires lender approval
    Focuses on resolving outstanding dues Focuses on changing repayment terms
    May affect credit reporting Credit impact depends on lender reporting
    Suitable for severe financial stress Suitable for temporary financial challenges
    What is Loan Restructuring?

    Loan restructuring means modifying existing loan conditions to make repayment easier.

    Possible restructuring options may include:

    Extending loan tenure
    Reducing EMI amount
    Changing repayment schedule
    Providing temporary repayment adjustments according to lender policy

    Restructuring may be suitable for borrowers who expect future income stability and want to continue repayment.

    When Should Borrowers Consider Home Loan Settlement?

    Borrowers generally explore Home Loan Settlement & Debt Relief Services when:

    Monthly EMIs become difficult to manage
    Outstanding dues continue increasing
    Income has reduced significantly
    Multiple debts create financial pressure
    Recovery communication has started
    Legal notices have been received

    Every borrower’s situation is different. A proper financial evaluation is important before choosing any option.

    How to Choose a Reliable Home Loan Settlement Company in India

    Choosing the right Settlement Company in India is important because borrowers dealing with financial difficulties need transparent and responsible guidance.

    A trustworthy service provider should focus on:

    Clear information
    Proper documentation
    Realistic expectations
    Professional communication
    Financial awareness
    Important Factors Before Choosing Loan Settlement Services
    1. Transparent Process

    A genuine settlement service should clearly explain:

    Process steps
    Required documents
    Possible outcomes
    Service charges
    Communication methods

    Borrowers should avoid services that hide important information.

    2. Avoid False Guarantees

    Borrowers should be careful about unrealistic promises such as:

    Guaranteed loan waiver
    Guaranteed 70% discount
    Guaranteed settlement approval
    Guaranteed CIBIL improvement

    Settlement decisions are controlled by lenders, not private companies.

    3. Proper Documentation Support

    Professional guidance should include:

    Written communication
    Document organization
    Case tracking
    Official records

    Proper documentation helps borrowers maintain transparency throughout the process.

    4. Understanding of Banking Procedures

    A reliable settlement support team should understand:

    Loan documentation
    Banking communication
    Borrower responsibilities
    RBI fair practice guidelines
    Settlement procedures
    Common Mistakes Borrowers Should Avoid
    Ignoring Bank Notices

    Ignoring official communication can increase financial complications.

    Borrowers should:

    Read notices carefully
    Understand deadlines
    Maintain communication records
    Respond through proper channels
    Paying Money to Unauthorized Recovery Agents

    Borrowers should never make payments to unknown individuals without verification.

    Always confirm:

    Official payment details
    Bank authorization
    Written settlement approval

    Payments should be made according to official lender instructions.

    Taking New Loans to Repay Existing Debt

    Borrowing additional money to manage old debt can increase financial pressure.

    Before taking another loan, borrowers should evaluate:

    Total liabilities
    Income capacity
    Long-term repayment ability
    Believing Unrealistic Settlement Promises

    Borrowers should avoid companies or individuals claiming:

    Guaranteed settlement
    Guaranteed debt removal
    Guaranteed credit score recovery

    Responsible guidance should explain both possibilities and limitations.

    Benefits of Professional Debt Relief Guidance
    Better Understanding of Available Options

    Professional guidance can help borrowers understand:

    Settlement possibilities
    Loan restructuring options
    Repayment planning
    Documentation requirements
    Organized Financial Documentation

    Proper document preparation helps present financial difficulties clearly before lenders.

    Reduced Communication Stress

    Structured communication can reduce confusion and help borrowers maintain proper records.

    Better Future Financial Planning

    Understanding debt position helps borrowers create realistic financial recovery strategies.

    Frequently Asked Questions (FAQ)
    What is Home Loan Settlement?

    Home Loan Settlement is a process where borrowers and lenders discuss possible solutions for outstanding loan accounts affected by financial difficulties. The final decision depends on lender policies and borrower circumstances.

    Can Home Loan Settlement Reduce Outstanding Loan Amount?

    A lender may consider a negotiated settlement amount depending on various factors. However, no specific reduction can be guaranteed because final approval belongs to the lender.

    Is Loan Settlement Legal in India?

    Yes, loan settlement can be a recognized resolution method when completed through proper lender procedures, documentation, and official approval.

    Does Loan Settlement Affect CIBIL Score?

    Loan settlement may affect credit history because the account may be reported as “Settled” instead of “Closed.” Borrowers can rebuild their credit profile through responsible financial behaviour.

    What Should I Do After Receiving a SARFAESI Notice?

    Borrowers should:

    Read the notice carefully
    Understand applicable timelines
    Collect loan documents
    Communicate with the lender
    Seek appropriate professional guidance if required
    Can Recovery Agents Harass Borrowers?

    Recovery agents must follow applicable rules and fair practices while contacting borrowers.

    Borrowers have rights regarding:

    Respectful communication
    Privacy protection
    Proper identification
    How Long Does Home Loan Settlement Take?

    The timeline depends on:

    Loan complexity
    Documentation availability
    Lender process
    Approval requirements

    Each case may have a different duration.

    Final Thoughts: Making an Informed Decision About Home Loan Settlement

    Financial difficulties can create significant stress for borrowers and families. Missing EMIs, increasing outstanding dues, and receiving recovery communication can feel challenging. However, understanding available options helps borrowers make better financial decisions.

    Home Loan Settlement & Debt Relief Services in India provide guidance to borrowers who want to understand possible resolution methods during financial hardship.

    A responsible approach includes:

    Reviewing loan documents carefully
    Understanding lender policies
    Maintaining official communication
    Avoiding unrealistic promises
    Planning future financial recovery

    Settle Loan provides guidance related to loan settlement processes, documentation support, borrower communication, and debt management awareness."

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  • Comment Link Loan Settlement  Debt Relief Company Thursday, 08 October 2026 12:25 posted by Loan Settlement Debt Relief Company

    "Loan Settlement & Resolution | Loan Settlement & Debt Relief
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    Loan Settlement & Resolution provides educational information about loan settlement, debt relief, repayment planning, financial awareness, and borrower support. Our goal is to help individuals understand how loan settlement works, the available repayment options, and the importance of communicating with lenders before making financial decisions. The website is designed to provide clear, accurate, and easy-to-understand guidance for borrowers facing financial challenges.

    Understanding Loan Settlement

    Loan settlement is a process in which a borrower and lender may agree on resolving outstanding loan obligations under mutually accepted terms. Settlement options vary depending on the borrower's financial circumstances, repayment history, and the lender's policies. Understanding the process helps borrowers evaluate available options responsibly.

    Who May Consider Loan Settlement?

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  • Comment Link Loan Settlement  Debt Relief Thursday, 08 October 2026 12:25 posted by Loan Settlement Debt Relief

    "Loan Settlement & Resolution | Loan Settlement & Debt Relief
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    Settle Loan provides educational information and borrower guidance related to loan settlement, debt relief, credit management, and financial awareness. Our goal is to help individuals understand the loan settlement process, repayment options, debt resolution strategies, and responsible financial planning through clear and easy-to-understand information.

    Loan Settlement & Debt Relief Guidance

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    Understanding Loan Settlement

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