Most debtors, basically belonging to the second category, pay enough attention to the debt itself, have thought about working hard for it, and have taken some actions, but obviously they are not enthusiastic enough, so it will take too long to pay off the debt. Some people will complain that I also want to do something to pay off my debts as soon as possible, but I don't know what I can do and what to do. Yes, you are only responsible for looking to the future and don't want to pay for the process. How do you know what you can do? Don't despise small things, but don't do big things. It doesn't matter whether you set goals and directions. The key is that you should learn to take action. Great things are collected from small things. Don't think too highly of yourself.
Opening the door to debt is not a bad thing. If you can give yourself enough vigilance and turn debt into motivation, you will achieve greater success. What kind of results you want depends on what kind of efforts you make. Come on!
I'm sunshine avenue, and I'm interested in more debt-related and legal advice. Welcome attention! Now there are more and more people in debt, including bosses, white-collar workers and part-time workers, but the real debtors are generally bosses. As a result of debt, life is definitely getting more and more tense and stressful, and some people will borrow more and more, and even find it difficult to turn over.
I know a friend who once ran a factory. There are more than 50 people in the factory. When I went there to play, it seemed that business was not bad. Unexpectedly, it closed down two months later, with a debt of 800 thousand. Later, I learned that he escaped because the supplier's payment was not settled, and he had to borrow money for the survival of the factory. At first, he went to a regular bank for a loan, but his credit rating was unqualified. Because of the temporary operation of the factory, he had to borrow 50,000 yuan or 60,000 yuan from the loan company. After his customer was harassed, he knew that he was short of money, and he was afraid that his factory could not support and operate. They slowly give their products to other factories, and the factories will fail to support them and close down. My friend owes 800 thousand now, and he can't even get through the meeting for a while Fortunately, he supported him. He said that he should pay off the money first. There are also bosses who fail to get loans, but we can't think of jumping off a building. We still have to do what we can.
In addition, factory employees spend a lot of money. Sometimes I go to a small loan to buy a mobile phone or something I like. If they can't afford it, they will continue to borrow money. There are more and more debts, and the credit information is gone.
In short, loans will make us more and more stressed and live more and more tired.
Debt is only the cause, and the result depends on people.
God disposes, man proposes. If a person who is already in debt is still confused every day and does not make any changes, then the debt will increase with interest. I can't stand it at last.
Another person, who knows his debts clearly, makes a clear list, including the cost of living, eliminating unnecessary consumption, how much to pay each month, how to change the status quo and so on. , and have a detailed plan. At the same time, I am willing to work hard to change the status quo. Then the result is good. The best thing is to pay off debts and live a better life.
Debt is also a job, not a debt or a job. Why not change it? Try to pay off your debts and live a better life?
I am heavily in debt, and I know it best. I'm embarrassed to say anything, and I was on the list of broken promises last year, which is what others call Lao Lai.
Open these old photos, and every account will be vividly remembered. It's all my own fault. I will never borrow money desperately every day regardless of the consequences, without considering paying it back.
Until later, the credit went bankrupt and was completely banned. No matter online, banks or private people, they could not borrow money. Only in this way can you know how to quit gambling. In fact, it's not gambling, it's forced, and no one lends you money.
20 15 years, I was at the climax of my life, and I made many friends. Later, when I came into contact with gambling and lost all my money, I went to borrow money online and asked my friends to borrow money. I am heavily in debt, owing almost 100 W, but I borrowed some.
All my friends lend me money. Many people took the initiative to ask me for money after learning about my situation. At first, one or two of them were able to maintain it, but the people behind me came to ask me, and I began to lose. I can only give them all a new IOU.
For the online loan reminder, I basically hung up the phone and didn't answer it, because obviously I had no money, and it didn't work at all. Even if someone asks you to pay back 5 yuan, you can't even pay back 5 yuan. What's the point of answering this phone? So I pulled out the card and turned it off.
However, so many friends around you owe them money here, you should find a way to pay them back. When I work here, many people come to the office as soon as they arrive, waiting for my salary to arrive and then transfer it to him. Every friend understands me very well. Everyone said they wanted 3000 yuan of my salary and left 1000 yuan of my life. Everyone was considerate of me.
I had no choice but to choose a few friends at random and each paid back 1 1,000 yuan. I've been doing this for more than six months, and I find it will take five years to turn over. Moreover, every month I worked here, I gave them all my money for nothing, and I didn't pay back my online overdue and credit card, so I spent it on them in the sixth month.
Only by leaving here can I change my present situation, but I told them that I want to earn a higher salary. Many of them know that if I leave here, their money may be destroyed. So when I left, a clever man asked me to write an iou to him. The person who thumbprints knows to say it in duplicate, but I don't owe much to this person, only a few thousand dollars. Because I really thought I would give it back to him in a few months.
I seemed to want to pay them back, but I was helpless in the end. After I left this company, I changed to two or three companies, and my work has been unsatisfactory.
I found 1 company, and I didn't say why I left my last company, because in my work, he needed to investigate the reasons for leaving his last job, and I don't want to say more about the specific work. Later I did find an excuse, and then I could develop my job there. When the salary first came in, it was ostensibly more than the original salary 1000, and the salary was 5000, including food and accommodation. I think living in it will save a lot of money and I don't have to rent a house.
However, I can't wander around every day because I'm afraid of meeting my former creditors. When I left my last company, I left myself, that is, all of a sudden, many people didn't know. It is equivalent to running away. My company is only about 2 kilometers away from the last company. Why don't I go further? Because I am familiar with this work, it will be easier for me to develop here.
At first, I was very good in this company, but later, because they were going to jump ship, they called me over, and I said I didn't want to leave here, and then I resigned.
Because this company is not my personal reason, I earned more than 3000 yuan when I left, which was compensated by the factory. Because of the pressure, I can't rest for too long, but at the end of each month, someone always urges me to pay back the money, on WeChat. I seem to think a lot, pretending that I don't answer every time he delivers, because I have no money at all, I have no money at all. It was really hard to refuse others at first. Later, I gradually got used to it, and it didn't matter.
It won't be long before I return 500 yuan to a person with a little core, which means that returning the money to him can let everyone know that I am very difficult. I have already returned this 500 yuan to him, and I basically have no money. Let this kind of person publicize it, the effect is quite good, and it can basically stop for a whole month.
When I moved to the second company, I had more work experience and a good salary, which was 2000 yuan more than before, but I needed to work overtime occasionally. In the third month, I suddenly got a call from the finance department. He said that a center called CITIC Bank Credit Card called me and asked for me. Say I owe them money and contact me to pay it back as soon as possible.
When the finance department called, I knew I might not be able to stay in this company. Really, because the suppression of this collection was not so strict at that time, he has been harassing the finance department and reporting to the boss. Then the boss said, although you did well, our company can't hire you because of your dirty temper. I was fired from this company, but my salary is still the same.
My daily life is basically like this cat-hiding mouse. Every time I walked in the market of my former company, I wore a mask and was armed to the teeth, which basically made me invisible. Because I still have some familiar people there, I often go to them, and my wife works there, so I will go there often. It is because my wife works there that those people can settle down.
It's embarrassing to say that I can be caught by creditors every time I go, but because my credit rating was still good before, they basically negotiated amicably after they found me. You can ask me when I can get them some money at the latest, but for an old lai like me, it's basically a lie.
Since I got into debt, I'm really getting worse every day. I feel like a bad guy, hiding. I want to buy a car if I have money, but I am afraid to buy it. The mobile phone is broken, and I dare not change it if I want to change it for a new one, because I am afraid that creditors will definitely use the new mobile phone to pay off their debts. The most typical example is that there was once a desktop computer with high matching, and a creditor directly saw the future, and later directly took my desktop computer to offset the original price. It's really amazing.
Even for almost four years, I have been dodging, and I have returned a lot of credit cards halfway, all through negotiation. There are also relatives and friends who give them money when there is an emergency at home, and too many people benefit from it later. Everyone said there was an emergency at home, so I hid behind, and it was hard for a good man to do it.
Some banks can't stand it because they have avoided it for too long. A credit card from Guangzhou Bank finally sued me. I didn't react at that time, but I won the case.
In the end, this bank only needs me to repay the principal. Fortunately, I have saved some money in recent years and have not foolishly returned every penny to others. Very readily, I agreed to their repayment installment plan.
However, during my repayment, I found that my bank card was executed. This bank is so unkind that it applied for compulsory execution when I paid back the money normally. Later, I was included in the list of broken promises.
Later, after the final negotiation and repayment, the information list was finally lifted.
Summary: Having told you so much, these are the difficulties faced by the person in charge, as well as the process and results. My experience is enough for you to see your future, so as long as you actively repay the loan and don't avoid it, you can be reborn.
If you have a lot of debts, take the time to pay them off. Only by paying more than others can we get more income. At present, this money is worthless, but it will be valuable after the state regulates it. It will be more difficult to pay off the debt then. Struggle, only struggle can you hope to pay off your debts.
Hello, I'm glad to answer your question. In fact, debt is not terrible. The terrible thing is, after I got into debt, my state of mind went bad. In the face of debt, we can think from the following three aspects:
First, face it positively, list those who are in urgent need of repayment, those who receive credit information and those with high interest, and deal with them according to their priorities.
Second, ask for help from relatives and friends around you. Borrow as much as you want, and don't support loans with loans.
Third, increase your income and reduce unnecessary expenses. Be aware that.
Fourth, change your network resources again.
I used to live a walking life every day, just like many friends who were in debt.
But through my own efforts and planning, I paid off all my debts within two years.
I have a methodology and a quick way to deal with my debts.
You are welcome to communicate more if necessary.
What is the final result of the debtor?
As a debtor, it is better to answer this question!
The debtor's results can also be divided into three categories:
First, broken pots lead a comfortable life. This kind of person just doesn't want to pay back the money, and he doesn't care about the credit information, and he doesn't care if his children want to go into politics and other jobs that require political review in the future. Just change your friend's mobile phone number and bank card, make money happily and live a leisurely life.
Second, look ahead, be afraid of wolves before and tigers after. This kind of people are the most. On the one hand, they are afraid of collection and prosecution, on the other hand, they are not in the mood and can't make money. This kind of person leads the most miserable life, and life is a mess without making money. The last person to die is not like a ghost.
Third, try to make money to pay off debts and make a comeback! This kind of person also accounts for a part. They don't care about collection and prosecution, or they have a strong heart and method to face it. So as to unload the burden and concentrate on making money and paying off debts. It's only a matter of time before you live a full life and make a comeback.
Therefore, people in debt, savor carefully and think hard! Choose the right path.
Now there is a government-led "debt-to-equity swap". It is that the company has too much debt and can't even earn interest. Finally, stop. Private lenders are in trouble with the government, and banks also need government coordination. Finally, the government came forward to protect the tax sources, prevent banks from having bad debts and prevent people's money from being wasted. Turn everyone's debt into gub! So everyone made trouble again, and the company broke the steel shovel. It is better to listen to the coordination of the government, and there is still hope. In this way, everyone has the hope of getting married and starting a company. So "debt-to-equity swap" succeeded!
Actually, before you ask this question, I feel that you should know some answers in your heart, but you still want to ask. You don't really want to hear about the consequences of debt. You should expect someone to give you a different answer, so sorry, my answer should be similar to what you think. The consequences of debt are as light as those of most young people now. They only pay back every month without saving a penny, and they are on tenterhooks on the first day of every month. Seriously, the usurer's wife is separated, and she may lose her life under pressure. It is definitely not alarmist. Debt is like a clay ball. If it is not stopped in time, it will get bigger and bigger because of sticking. Maybe when it was young, you thought, I can kick it away with one foot. It's no big deal, but when it gets bigger and bigger, it's too late to stop it, because it already is.