"I am the sickest person in the world! You must become my own mother!"

M / f "Carlson"

Have you ever wondered why, when making a decision, it is often not carried out and everything remains as it was?

In psychology, there is the concept of secondary benefit. Outwardly, a person can really want something, constantly talk about it, but do nothing. For example, a person may say that he wants to change jobs, that the current job does not suit him, but at the same time he will not even try to find something else, will not take any action. Or he may suffer from some kind of unsatisfactory relationship, from some kind of annoying illness, etc., but things will not go beyond words.

Why? Because in reality out of this suffering, not decision, he benefits, often without realizing it. Moreover, if you tell him about it, then it often causes irritation, and not a desire to understand. It turns out that every decision has dividends, conscious and unconscious. And which of the dividends are the most important, the most profitable, at that stage there will be a decision - to leave everything as it is, or to change something.

I want to change jobs, but I don’t have time to distribute my resumes, there is no suitable job, my child got sick, the personnel department turned out to be closed on my free day, I lost the phone number I was going to call… to carry out what was intended.

It is very difficult to see in yourself and realize that you want one thing and at the same time want the opposite - you want and new job, and at the same time want to change nothing. However, the decision to change jobs will never take root if we don't forego the other party's dividend. This means that our task is to understand our internal benefits, to sabotage our own decision and to counter these benefits with something else, even more profitable.

What does it look like in practice?

What are the dividends for the second side, which the conscious director does not want to accept? What benefit can a dependent and weak person get? First, of course, this is shifting responsibility for one's life to others and circumstances, this is sympathy, receiving care, attention, etc. In such a situation, can full responsibility for one's life, lack of caring attention and sympathy in case of failure become dividends?

And the fact that a strong and independent person can face a difficult choice alone and can only rely on himself - will this be dividends? Most likely not, because this is not always a comfortable state. It is much easier to constantly count on the support of stronger and more confident people. Obvious advantages remain on the side of the subconscious director, and the person behaves like an addict against his will, and is angry with himself for it.

Consider another example of a person giving advice left and right. The downside of this behavior may be that people stop taking him seriously, get annoyed with him - "you are always with your advice!", express distrust, point out his mistakes. It seems that you need to think and reconsider your habit, because there is a clear lack of acceptance of a person on your face. But no, this habit has very significant dividends, which are very difficult for a person to give up and they are much greater. Namely, giving advice to others, a person experiences a sense of self-worth. He grows in his eyes as smart, reasonable and all knowledgeable person while others are unintelligent. And why are they offended and annoyed? After all, my vision is the only correct one, I give it to them, use it and do not make mistakes! I take care of them! Growth in one's own eyes turns out to be much more profitable than a general attitude towards a person.

Another example would be the choice between "be healthy" and "stay sick". When you are sick, you fully receive the care of relatives and friends, and deservedly so, they are healthy, and you are sick. You have the right to talk with them for hours about your problems, about yourself, about your illness, and all your demands seem to be legitimate. Is such a right reserved for a healthy person? A healthy person should take care of a sick person and the desires of a healthy person are not taken into account. Illness is a powerful means of obtaining love, affection, help, a way to avoid the demands that are made on a healthy person. I'm sick, and bribes are smooth from me. No one will do anything voluntarily for a healthy person, so the disease comes to the rescue.

Remember, when you are sick, how much attention and care do you receive? Do you get that much when you are healthy? It's so cool to lie down when everyone around you is running around, and they will feed you, and give you water, and your every desire will be fulfilled! And most importantly, you now have every right to do so. When you are healthy, you have to do everything yourself. Then what is the point of becoming healthy?

Even children love to get sick, because it is during illness that parents spend the most time nearby, fulfill all the wishes and requirements of a sick child. A toy that he once asked for, and you didn’t buy for some reason - please, because the child is sick and at least somehow you can brighten up his condition. It is beneficial to be sick. When you are healthy, they don’t rush around with you anymore, mom goes to work, she comes in the evening tired, she always has no time ...

And you try to pay more attention to the child when he is healthy, so he will immediately stop getting sick, it will no longer be beneficial for him. What will he choose - pills and bed rest or a walk with dad, a hike in the forest? Don't take my word for it, start giving your child more time when he is healthy and less time when he is sick, and you will see that your child will be much less sick. To your mind, this may seem monstrous, how it is - to devote less time to a child when he is sick! But it is precisely by such behavior that we show that it is more profitable not to get sick.

I remember I had a similar experience when I was a child. On Friday evening I had a fever, my face had all the signs of a cold. And on Saturday, my father was going to go camping with us children. Forest, fire, tea from a pot, songs with a guitar ... I wanted to go on a hike so much that in the morning all the cold seemed to be taken away by hand. I woke up completely healthy. I was much more interested in going camping with my father than lying in bed all weekend. At first, my parents were skeptical that I recovered so quickly, but, nevertheless, on family council I decided that I would also go on a hike. My happiness knew no end. The disease has receded. I think that you have had similar cases.

Have you ever wondered why a person chooses to suffer, get angry, take offense, criticize? If such a choice is made, then there is some benefit, but the answer may not always be pleasant. Yes, and consciousness will deny this benefit. But how will it respond to the fact that a person nevertheless chose to suffer, get angry, take offense and criticize? He could have chosen otherwise.

Objections can go, well, how not to be offended if they offend? Stop. Who offends? So the one who offends is more significant and stronger than you yourself? Here it is - I am weak, dependent. I'm offended! Help! I feel bad, so you should be more gentle, friendly, caring with me! So what happens? Choosing to be offended, and once having received such reinforcement, a person expects to receive support from other people in the form of condemnation of the offender; care, because he is so vulnerable; the ability to avoid demands on myself from other people - they offended me, how will I do something now; the ability to blame others, etc. Why not dividends?

What are the benefits of self-flagellation? Avoiding blame and in turn blaming others. The benefit of being helpless is to avoid being blamed. The benefits of belittling oneself are the ability to avoid the danger of rivalry. Here, the lesser of two evils is simply chosen. But is it realized? Do we see the subconscious director's script? And how do we actually justify our choice?

If you want to change yourself, try the following exercises:

1. Choose the one most pressing issue for you in this moment. Let for example it will be a quarrel with a loved one.

2. Reflect, and answer your question: "What benefits do I get from ..." Try not to deceive yourself and find 5-10 benefits that you get. Write them down in a column. For example, from a quarrel you can get:

• Feeling that I am right and fair;
• To make amends with guilt, a partner can give a gift, because when we do not quarrel, he almost does not give me anything;
• Confirmation that I am significant for a partner, since he is always the first to go to reconciliation;
• A quarrel can be a means of managing a partner;
• She can also bring vivid emotions that are completely absent in normal interaction;
• One can enjoy reconciliation, so a quarrel can be an occasion for this pleasure;
• After a quarrel, there may be bright sex, etc.

4. If the answer is no, then consider how you can get this benefit in a different place, in a different way.

For example, in order for your companion to give gifts more often, you can directly tell him about it. To say that you are much more pleasant when he gives you just like that, and not when he makes amends.

If you lack emotions, find another way, more positive. Find a common interest with a partner and develop it. Any joint action will give you many positive emotions, if it is interesting for both.

5. If you answered “yes” to some points and you understand that you are not ready to refuse the benefits, then admit it to yourself honestly. For example, that it is always important for you to be right, even at the expense of your own happiness. Your goal is not healthy relationships but total loneliness, accept it and don't be upset about it. You don't want to miss out on the benefits. When you understand otherwise, you will change your behavior, and God forbid that it is not too late.

6. Now think about it - what advantages will you get from the opposite side, for example, if you don’t provoke a quarrel? It may turn out that bringing them to consciousness, they will be much more significant than the advantages of a quarrel. Then it will not be difficult at all to refuse the advantages that you get during a quarrel. In any case, by understanding yourself, it will be much easier for you to choose a solution without a fight and act in accordance with it.

It can be very difficult to do such work alone, and finding a solution that is easy to adhere to is not always possible, often something remains unfinished. All this is best done in a group of like-minded people, those who also want to find a way out without a fight, and who are ready to support you.

A secondary benefit is a benefit that a person receives at a stage when painful symptoms have already formed a disease. This is a kind of “additional profit”, which a person does not always count on, consciously or unconsciously making a decision to get sick. By not provoking new symptoms of the disease, the secondary benefit stimulates the persistence of the disease and the psychological resistance to cure. For example, if quarrels in the family or at work occur regularly, a secondary benefit may be high blood pressure with incessant headaches.

Like the primary, the secondary benefit manifests itself externally and internally. On the external level, these are the benefits that a person can receive in interpersonal relationships and current life situations. On the inside - the opportunity to satisfy their narcissistic needs. Since the time of Freud, psychiatrists have called this phenomenon "flight into illness", where the symptoms of the disease become "pleasant and desirable."

A classic example: the first attack of bronchial asthma in a child, which occurred at the time of a fierce parental quarrel. Seeing the condition of the child, the parents instantly forget about the quarrel and join forces to help. So the child gets the primary benefit from the unconsciously arisen symptom. Further, his unconscious reinforces the logical connection between the world in the family and the illness he is experiencing, but already at the level of secondary benefit.

In any disease there are two components: meaning and a set of satisfied needs. As long as there is meaning and an unsatisfied need, a person is sick.

Psychologists Carl and Stephanie Simonton mentioned the main benefits that a person brings his illness:

• A temporary retreat from a situation that causes discomfort, and from complex uncomfortable problems that need to be addressed. The subconscious mind, “keeping its hand on our pulse”, will always signal us when the body or psyche needs a break. An example of such a reaction is heaviness or pain in the head. So the ORZ becomes a great way to spend the last week before the planned vacation at home. Moreover, work is like a bone in the throat.
• An opportunity to get the missing portion of love, care and attention from the environment. Most often, relatives become donors of positive emotions.
• Comfortable conditions for the redistribution of mental energy, which allows you to concentrate on solving the problem. This factor is of great help to psychotherapists when working with couples.
• An incentive to re-evaluate oneself as a person, and correct the stereotypes and behaviors used. The disease, in this case, is a warning from the body and the subconscious, giving a person time to reassess the way of life, to search for alternative areas of activity.
• Complete leveling, or a significant reduction in the level of requirements placed on a person by others, or by oneself. This secondary benefit, oddly enough, is often sought out by members of "workaholic" collectives - people suffering from addictions or eating disorders.

Secondary benefit as "honest" blackmail

A lonely old woman, in a fit of revelation, confessed to a psychotherapist that she was ready to die from the disease that she had been diagnosed with. In return, she would like one thing - to see her son more often. Since he, having acquired a family and becoming a respectable father of a family, completely forgot the way to the house. Such a secondary benefit, in the language of psychotherapists, is called "honest blackmail."

Sometimes a disease becomes a way for a person to protect himself from something that, in his opinion, is a more serious danger. This may be the threat of dismissal, divorce and other large-scale life troubles. This is how a man explains why he can leave his wife and go to a young mistress when his wife is "seriously ill."

Fear of a big goal and change

There is an opinion that each disease can be associated with a certain psychological problem, that "all diseases are from the nerves." The enigma for medicine is presented by outwardly quite healthy patients, showing all the symptoms of a certain disease, for no "apparent" reason. This is exactly the situation when the cause is the search for a secondary benefit, for which no cure has yet been invented.

Example: one patient, for several years, diligently collected several phobias at once, including claustrophobia, cardiophobia - fear of dying from heart disease, fear of unfamiliar food due to fear of an allergic reaction. Considering the fact that at her age the woman had an extremely healthy young heart, and she did not suffer from allergies for a single day in her life. At the moment of “insight”, she revealed to the psychotherapist that “... the other is mortally afraid, a better life!»

In our example, a person turned out to be ready to acquire a lot of medical problems and artificial restrictions in order to forever move away from himself the problem of personal unfulfillment. And in fact, why strive for something and achieve something if, firstly, “I have chronic depression and absolutely no interest in anything.” And secondly - “if something interested me, then surely only until the moment of cardinal changes”?

Having puzzled the psychotherapist, she soon spat on the treatment and found an outlet - "the love of her life", which created all the conditions for maintaining her phobias.

hide and seek

Suffering is the most fertile ground for escaping from oneself and for self-justification. A suffering person always finds a meaning to live. Life acquires a special dimension, value, meaningfulness and clarity. An additional wall from reality and oneself helps to create pain and fears. That is why people so carefully protect the true causes of their problems from strangers. Pain, fears and an insignificant routine - all these are ways not to stay face-to-face with yourself and your life. Time filled to the brim with some business, permanent overloads, bad dream and unhealthy diet guarantee nervous breakdowns or exhaustion.

The philosophy of secondary gain is simple - everything and everything is more important than myself. I am not yet ready to solve the blockages of my own problems.

Secondary Victim Benefit and "Codependent" Rescuers

The secondary benefits of “social” diseases deserve special attention. Let's think: who will be the first to suffer if an alcoholic or drug addict with experience is cured? Of course, the entire burden of such changes will fall on the next of kin. First of all, those who for many years fought to save a drowning man and saw in this the highest meaning of all life. It is a paradox, but it is they who often unconsciously oppose the physical and psychological recovery of the victim. In the case of recovery of an addicted person, the usual meaning of life disappears - they are left alone with themselves.

In turn, the “victim”, dependent on his addiction, has a socially disadvantaged status that promises secondary benefits. And in fact - they do not need to peck themselves with thoughts about the future, since there is no goal in life. They do not need to make efforts for self-development, spend time studying, and energy to earn money. "Are you having a bad time?" - You ask. "Not a fact" - a balanced answer will follow.

Professional psychologists working with homeless children will say that six months of a teenager's stay in the realities of the "street" will require from one to two years of rehabilitation under normal conditions in order to return their psyche to the starting point. If he lives on the street for more than two years, all known measures of pedagogical influence no longer work. In this case, the social secondary benefits are: the absence of any coercion; the opportunity to live not as society dictates, but “as you want”; specific survival conditions.

Despite the obvious disadvantages and significant risks, such an existence turns out to be attractive in its own way. That is why the hero of Mark Twain - Huckleberry Finn - finding himself even in the most favorable conditions, repeated to himself: "... and I will probably run away again." And ran away.

Sometimes a secondary benefit, which a person did not even think about, catches up with him after a certain time. Imagine a girl who breaks her leg in an absolutely flat place and at the most inopportune time. A crucial moment and the threat of layoffs at a promising job, an upcoming trip abroad in a month, etc. According to the usual logic, she should have been at work, flickered in front of her boss and completed work on the project.

The fact that the bedridden fracture brought her quite tangible benefits, the girl accidentally found out a few days later, after passing a pregnancy test. Thanks to the fracture, she was able to spend the first critical three months at home. Today, years later, she remembers this fracture with gratitude. Without him, given her medical record, everything could have ended very differently.

Nothing people defend as fiercely as their own pain and helplessness that has become a habit. And most often, the underlying cause is the lack of purpose and desire to meet with oneself.

Patients who are “accustomed” to getting sick and “to the fullest” to use secondary benefits become a real challenge for the psychotherapist. They really do not want to admit that the basis of the bouquet of diseases is not harmful viruses and infections, but manifestations of laziness, fears and fear of responsibility, elevated to the level of a clinic. Most of us, yearning for warmth and attention, at least once succumbed to the temptation to be in the spotlight, even in such a non-standard way. The main thing - back side a medal that we often forget about, or don't even know about.

Result

Secondary gain is a common cause of many problems and failures. Why is it secondary? Because the primary is a loss. In particular, such a loss can be a disease. And only then the patient receives his "bonus" for losing - the excessive attention of loved ones; the ability to completely legally take a break from unloved work, meetings with colleagues whose presence causes a nervous shock; or the ability to keep a loved one by your bed. And further down the long list of unfulfilled desires. In any case, the loss is primary, from which the person himself suffers, and which is obvious to an external observer. Received unconsciously, in the form of a secondary benefit, the gain is very clearly felt, although not realized.

The very sequence of events determines the result. A person wants to get rid of the loss, but he cannot and does not want to decide on it, because the benefit itself will melt with the loss. In reality, a person either hangs in an illness, delaying his recovery himself, or dangles between two poles, periodically recovering and getting sick again. Alternatively, recovery from one ailment and illness to another may occur.

If you describe the secondary cause in a few words, you can compare it with resistance. And we are not talking about resistance to something external, but resisting the very possibility of change. In truth, a person is not at all inclined to get rid of a disturbing situation, although he himself is not aware of this fact.

So is it good or bad?

There are no absolutely bad and absolutely good things in nature, and cannot be. Subjective labels at our disposal, we hang ourselves. Consciousness helps us in this, and the unconscious reasoning, seeing further and deeper. It is able to consider both sides of the coin, and white in black. Therefore, the secondary benefit - as a tool that protects the human psyche - was, is and will be. The whole question comes down to how beneficial it is for us? To what extent can define/limit human behavior? To what extent is it understood?

Of course, for a person who knows his goal and goes to it, fixation on secondary benefits ah - one of the proven ways to deprive yourself of any opportunity to change. As long as the secondary benefit exists, dramatic psychological changes cannot occur. And we have only two options left: either define it, realize it and make a decision how to continue to be with it and for one with ourselves; or endure and perceive it as a fact until its receipt for us loses its meaning.

Imagine that your illness allowed you to keep a loved one. And now he is gone - the meaning has been lost, but the disease has receded. And no magic.

Everything we do, we do to realize our own intentions.

Criteria for positive intention

positive intention must meet the following criteria:

• this is goal - that is, what a person wants to achieve answers the question: “What do you want?”;
• this is internal goal that is, it concerns internal state or evaluation of a person, for example, “make a lot of money” is a way of achieving, behavior, and the corresponding intention can be “wealth” or “wealth”.
• this goal positive for a person, for example, “hating yourself” may be an internal goal (intention), but by asking clarifying questions, we will eventually come to a positive intention, such as “success” or “love”.

Each behavior serves to achieve some positive goal.​

Since we are talking about a positive intention, it is assumed that there may be a negative one. For example, a person might do something for "suffering", "self-hatred", "humiliation", or even "death". But behind such a negative intention, a positive one is eventually revealed: "purification", "peace", "justice" or "liberation".

How to figure out intent

To find out intention behind some behavior, you can ask questions:
- Why do you this is need?
- What do you want this is give?
- What are you from this get?
For example:
- I'm afraid to approach a beautiful girl. [behavior]
Why do you need this fear, what does it give you?
It doesn't do anything, it just hinders.
- And if you think about it, he probably still gives you something, why do you need him? Maybe he protects you from something or motivates you?
- Well, I'm afraid of getting rejected.
- What happens if you refuse?
- I will feel insecure. So it turns out that fear allows me stay confident. [intention]

Why clarify intent

Intention- one of the basic concepts in NLP. The ability to find out intention, and especially separating intent and behavior, can be helpful:

• in communication, to respond more effectively to intention rather than behavior;
• in self-study - knowing our own intentions allows us to understand what we are striving for;
• for therapy - it is necessary to determine the intention in most cases of work, as well as in order to make such techniques as the "New Behavior Generator", "Integration of Conflicting Parts", "Sweep" and others.
• for greater behavioral flexibility - you can try to achieve the same intention in different ways, and knowing the intention, you can select these methods more effectively.

Sometimes just finding out the intention helps a person change the problem situation on his own.

The difference between intention and behavior

Intention- this is internal positive goal, behavior- this is attempt achieve this goal. Pay attention to the word attempt - often the way in which a person tries to achieve his goal? may be completely ineffective. For example, showing resentment is often a very bad attempt to gain approval.
Intention answers the question "why?" and in most cases is described by a nominalization or a phrase with a nominalization:
enjoyment;
OK;
confirmation of love;
calm;
receiving the information.
Behavior answers the question “how?”, “in what way?” and is most often expressed in a phrase with a verb:
arrive on time;
plan;
be surprised;
choose words carefully;
cross the road quickly.
BUT! Behavior in some cases, it can also be described by a phrase with nominalization:
resentment;
disturbance;
demonstration of emotions;
change.

goals which we want to achieve is intention or metaresult;

when we think of something as way to achieve the goal, is behavior.

That is why, for any intention, you can ask the question: “what does it give you?” or similar, and get a higher level intent.
- I resent my husband. [behavior]
- Why are you doing this?
- I want him to start listening to me. [meta result]
Why do you want your husband to listen to you?
- If he does not listen to me, it means that I am indifferent to him.
- And if he listens to you?
- If he listens to me, then I'm important to him. [intention]
- So you shout at your husband to show that you are important to him?
- Yes.
- And what will it give you personally that he shows that you are important to him?
- It means that he loves me. [higher level intent]
- Why do you want him to love you?
- It gives me confidence in myself. [higher level intent]
- And if you are completely confident in yourself - what will you strive for more important?
- To harmony, perhaps. [higher level intent]

The search for a higher level intention is not an endless process - at the end of such a chain is what is called "core" or "deep" states. On this occasion, you can read the book "Essential Transformation" by Steve and Connire Andreas.

Appropriate Behavior

Generally speaking, suitable behavior must meet the following criteria. It should be:

• efficient- allows you to achieve the goal;
• reliable- it happens regularly, not occasionally;
• accessible– it can be easily obtained or used;
• environmentally friendly- The consequences of this action are acceptable to you.

For example, eating smoking for pleasure is effective, reliable and affordable, but rather unenvironmentally friendly - it spoils health.
Playing in a casino as a way to get rich is efficient, relatively affordable, more or less environmentally friendly, but for the majority it is completely unreliable.
A half-hour walk in the forest as a way to calm down is effective, reliable, environmentally friendly, but in most cases it is not available (for example, during an exam for an institute).

Secondary Benefits

If the intention is the main goal of the action, then secondary benefits- these are the goals that a person satisfies along the way, as a "bonus".
Secondary Benefits is also an extremely important concept in NLP. It is the presence of a large number of secondary benefits that, in most cases, creates difficulties in changing undesirable behavior. For example, smoking can be a very unsustainable way to get pleasure - deteriorating health, yellow teeth, coughing - but it is precisely a large number of secondary benefits that prevent quitting smoking: smoking as a way to break time, distract, relax, make contact and so on.
You need to understand that

behavior may be inefficient as a way of realizing intention, but as a way of realizing secondary benefits, it is always effective.

That is, a person with this specific action may not achieve the main goal, but he definitely achieves “side” goals. Context: interaction with friends.
Behavior: demonstration of insecurity.
Intention: safety.
Secondary Benefits: attracting attention, confirmation of importance, calmness.
So if we want to find other, more appropriate behavior, besides being efficient, reliable, affordable, and environmentally friendly, we also need to figure out how to satisfy the secondary benefits.

True, it is not necessary that they be satisfied with this particular new behavior. Although that would certainly be an elegant solution.

How to identify secondary benefits

What else does [it] give you?
What else do you get with [this]?
Keep in mind that the same behavior in different contexts may satisfy different secondary benefits(however, as well as various intentions). So if you're looking for secondary benefits for a behavior that a person uses in a lot of contexts, you'll need to research each one.

I eat a lot. [behavior]
- Why are you doing this?
- When I'm full, I finally relax. [intention]
- So it's wonderful!
- What's good about that - I'm getting fat.
- Why would you want to be full?
- Absolutely nothing!
- Are you sure? Think about it, you probably get something from it.
- Well, yes. When I am full, I feel more confident.[secondary benefit]
- What exactly gives you confidence?
- Well, they are unlikely to approach me to get acquainted - I do not want my husband to be jealous of me.
- What does it mean to you when your husband is not jealous of you?
- stable relationship. [secondary benefit]
- What else does fullness give you?
- I feel bigger and I think I can deal with a difficult situation.[secondary benefit]
- What else?
- Feeling safe- I look like a man who can fight back. [secondary benefit]

Seven deadly sins, or the psychology of vice [for believers and non-believers] Shcherbatykh Yuri Viktorovich

"Secondary Benefit"

"Secondary Benefit"

How happy are the pessimists! What joy they experience when it turns out that there is no joy!

M. Ebner-Eschenbach

It would seem that everyone understands that despondency is bad, that a discouraged person drags heavily the burden of his life and suffers from his own experiences.

But! Why does he continue to suffer? Why doesn't he give up his Bad mood and smile at the world? We do not take here "medical" cases of depression caused by a violation of the biochemical processes in the brain. We are talking about 90% of a different, psychological despondency of people whose brain is completely normal from the point of view of medicine. Why do they live in despondency, complain about him, but continue to be discouraged?

Sometimes because they subconsciously do not want to break out of this state. I emphasize - subconsciously, but on a conscious level, they assure that they are tired of such a life, that they want to be joyful and active.

In psychology, there is a term “secondary benefit”. It means that a person can benefit from their negative emotions, their plight, etc.

The poor are pitied, the sick are cared for, the foolish are in low demand, the unfortunate and helpless are taken care of. That is why it is so difficult for some people to leave the shell of despondency and longing, because otherwise they would have to take responsibility for their own lives, fight for their happiness and, perhaps, suffer for real.

What is the benefit? Good. Let's summarize what has been said and go through the benefits that this program will give you. First of all, you will get rid of debt, that is, you will close the financial "cons": pay off the loan for the house, car, and everything that makes you a debtor. Now you