1. Establish an emergency budget: make a detailed budget plan, give priority to necessary expenses and cut unnecessary expenses. Make sure you can save some money every month to pay off your debts.
2. Negotiate with creditors: actively communicate with online lending companies and credit card issuers to explain the current economic difficulties and try to reach some form of installment payment arrangement or deferred repayment plan with them.
3. Seek professional help: seek professional advice and guidance from financial advisors, credit consulting institutions or lawyers. They can provide appropriate solutions according to the specific situation.
4. Check the debt restructuring options: sometimes it may be necessary to rearrange the debt payment method through debt restructuring. Understand the relevant legal procedures and consider options such as applying for personal bankruptcy or debt restructuring.
5. Increase income: Find additional job opportunities, part-time or sideline to increase income. This can repay the debt faster and improve the financial situation.
6. Healthy management mentality: The debt problem may bring great pressure and anxiety to people. Seek the support of family, friends or psychological counselors, keep a positive attitude and persist in solving problems.
Summary: In the face of debts owed to online loans and credit cards, it is important to take the initiative and actively communicate with relevant institutions. At the same time, make a reasonable budget plan, seek the help of professionals, and strive to increase income to gradually solve these debt problems.