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B2  ·  37 words

Debt and advice in Italian

Reminders, deadlines and advice — what the words say when the money does not stretch.

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From these 37 words, as many per round as you like — up to all of them: first what is due today, then new ones. First you choose, then you fill the gap, then you write it yourself. Mistakes come back again shortly.

More about this list

The list opens with essere indebitato, and behind that participle stands a verb English cannot copy: indebitarsi. Italian assembles it in one move — the prefix in-, the noun il debito, a verb ending, and the reflexive that says the change happens to the subject. The mould is productive: innamorarsi from amore, ammalarsi from male, arricchirsi from ricco, impoverirsi from povero. One word then carries the whole change of condition, tense and all: si è indebitato l’anno scorsodates itsi sta indebitandosays it is still going onsi era indebitatoputs it before something else English has no such machine. It reaches for a verb of motion or of becoming and adds a preposition — « to get into debt », « to fall into debt », « to run up debts » — and the verb has to be learned phrase by phrase, since « fall » suits debt and love but not wealth. Two things follow on this page. Essere indebitato is the state and indebitarsi is the slide into it, which is the difference the whole list is about. And « indebted » translates neither: in ordinary English it means grateful.

The words

Phrase (7)

essere indebitatoto be in debtPhraseB2
È indebitato con due banche.He is in debt to two banks.
aprire la postato open the postPhraseB2
Ha cominciato ad aprire la posta arretrata.He has started to open the post that had piled up.
entrate e usciteincome and outgoingsPhraseB2
Entrate e uscite vanno messe una accanto all’altra.Income and outgoings should be set side by side.
concordare un pagamentoto agree a paymentPhraseB2
Hanno concordato un pagamento mensile.They have agreed a monthly payment.
dichiarare fallimentoto declare bankruptcyPhraseB2
Alla fine ha dovuto dichiarare fallimento.In the end he had to declare bankruptcy.
cancellare un debitoto write off a debtPhraseB2
La società ha cancellato il debito residuo.The company has written off the remaining debt.
essere in lista nerato be blacklistedPhraseB2
Chi è in lista nera non ottiene un altro prestito.Anyone who is blacklisted will not get another loan.

Noun (m) (15)

Grammar for these: Definite article: il, lo, la · Indefinite article: un, uno

il debito prioritariothe priority debtNoun (m)B2
L’affitto è un debito prioritario.The rent is a priority debt.
il debito secondariothe non-priority debtNoun (m)B2
Il debito secondario si tratta dopo gli altri.The non-priority debt is dealt with after the others.
l’affitto non pagatothe unpaid rentNoun (m)B2
L’affitto non pagato cresce di mese in mese.The unpaid rent grows from month to month.
il tributo comunalethe local council chargeNoun (m)B2
Il tributo comunale si paga due volte all’anno.The local council charge is paid twice a year.
il sollecito finalethe final reminderNoun (m)B2
Il sollecito finale dà sette giorni di tempo.The final reminder gives seven days.
gli interessi di morathe interest on arrearsNoun (m)B2
Gli interessi di mora si sommano ogni giorno.The interest on arrears adds up every day.
il debito della carta di creditothe credit card debtNoun (m)B2
Il debito della carta di credito costa più di un prestito.Credit card debt costs more than a loan.
il prestito fino allo stipendiothe payday loanNoun (m)B2
Il prestito fino allo stipendio ha interessi altissimi.The payday loan carries extremely high interest.
il prestito con garantethe guarantor loanNoun (m)B2
Nel prestito con garante risponde anche un’altra persona.In a guarantor loan a second person is liable as well.
l’atto di precettothe final demand before enforcementNoun (m)B2
Dopo l’atto di precetto restano pochi giorni.After the final demand only a few days are left.
l’agente di riscossionethe enforcement agentNoun (m)B2
L’agente di riscossione lascia un avviso scritto.The enforcement agent leaves a written notice.
il bilancio familiarethe household budgetNoun (m)B2
Il bilancio familiare si scrive su un foglio solo.The household budget fits on a single sheet.
il piano di rientrothe repayment planNoun (m)B2
Il piano di rientro prevede rate piccole e lunghe.The repayment plan provides for small instalments over a long period.
il blocco delle azioni legalithe hold on enforcement actionNoun (m)B2
Il blocco delle azioni legali vale finché dura la procedura.The hold on enforcement action applies as long as the procedure runs.
il consulente del debitothe debt adviserNoun (m)B2
Il consulente del debito scrive lui alle società.The debt adviser writes to the companies himself.

Noun (f) (15)

Grammar for these: Definite article: il, lo, la · Indefinite article: un, uno

la bolletta dell’energiathe energy billNoun (f)B2
La bolletta dell’energia è arrivata più alta del solito.The energy bill has come in higher than usual.
la lettera di sollecitothe reminder letterNoun (f)B2
La lettera di sollecito arriva dopo due settimane.The reminder letter arrives after two weeks.
la messa in morathe formal notice of defaultNoun (f)B2
Con la messa in mora comincia a correre il tempo.With the formal notice of default the clock starts running.
la penale per il ritardothe late-payment penaltyNoun (f)B2
La penale per il ritardo è fissa.The late-payment penalty is a fixed amount.
la carta del negoziothe store cardNoun (f)B2
La carta del negozio sembra comoda e non lo è.The store card looks convenient and is not.
la società di recupero creditithe debt collection agencyNoun (f)B2
La società di recupero crediti telefona spesso.The debt collection agency rings often.
la trattenuta sullo stipendiothe deduction from wagesNoun (f)B2
La trattenuta sullo stipendio compare in busta paga.The deduction from wages shows up on the payslip.
le spese indispensabilithe essential spendingNoun (f)B2
Le spese indispensabili vengono prima di tutto il resto.Essential spending comes before everything else.
la sospensione dei pagamentithe payment holidayNoun (f)B2
La sospensione dei pagamenti dura tre mesi.The payment holiday lasts three months.
la consulenza per i debitithe debt advice serviceNoun (f)B2
La consulenza per i debiti si prenota per telefono.The debt advice service is booked by telephone.
la consulenza gratuitathe free adviceNoun (f)B2
Il comune offre una consulenza gratuita.The council offers free advice.
la procedura di sovraindebitamentothe over-indebtedness procedureNoun (f)B2
La procedura di sovraindebitamento passa dal tribunale.The over-indebtedness procedure goes through the court.
l’esdebitazionethe discharge of the remaining debtNoun (f)B2
L’esdebitazione arriva alla fine della procedura.The discharge of the remaining debt comes at the end of the procedure.
la procedura semplificatathe simplified procedureNoun (f)B2
Per importi piccoli esiste una procedura semplificata.For small amounts there is a simplified procedure.
la segnalazione in centrale rischithe entry on the credit registerNoun (f)B2
La segnalazione in centrale rischi resta per anni.The entry on the credit register stays for years.

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