I am in the same situation as you, and I owe more than you. I came from a respected and beloved people's teacher, and for several years, I supported my loan with loans. Now I still owe more than 500 thousand, and all the online loans are overdue, and I am being forced to go ashore, otherwise I will never turn over!
As the old saying goes, it is not good for a prodigal son to change his money when he returns, but to correct his mistakes when he knows it. The following is my story of raising loans with loans and going to the endless abyss!
However, with the passage of time, my salary has been depressed for a long time, and I can't meet my material needs slowly. Every day is too tight to spend a dime. Sometimes I envy my peers who wear brand-name clothes and shoes, but I can only suppress my desire. I only eat at school and dare not go out to eat with my friends casually. But even so, the meager salary soon bottomed out. I am very upset every day, and slowly begin to doubt why I choose such a career to suffer, but I still insist on that initial heart.
I was very happy at that time, perhaps because it solved my embarrassment, or because I was happy to discover the new continent. As we all know, that was the beginning of my loan support, but that's another story.
From then on, the first choice for every checkout is to use flowers. I don't know why, I don't feel the loss of money at all with flowers, as if I were buying my own things with other people's money. Perhaps it is under that illusion that the amount of money is getting bigger and bigger, knowing that I have no money or things are useless to me, but I still can't help but buy them.
Finally, a month's salary can't fill such a big hole in expenditure. What a coincidence! A friend happened to be in the same situation, so he taught me to borrow money to cash out, then pay back the money, and then pay back the money in installments, and so on, which really helped me solve the problem. I remember I taught me this game for my friend and invited him out to spend money [covering his face] [covering his face].
With this experience, you will be familiar with it in the future. When I ran out of loans, I thought of other platforms, such as 360 Loan, JD.COM Gold Bar, Wing Payment, and credit cards, including micro-loans in WeChat later. If I can borrow, I'll finish the loan, but this can't stop me from raising loans with loans, and finally reduce the quota on all platforms at the same time, which is the kind that I can't lend after I go in. This worries me so much that it will be overdue, and my mind is full of money to repay the loan!
Finally, one night, something happened and I collapsed! It was dark that day. On my way home by electric car, I didn't notice an agricultural rotary tiller on the road, so I ran into it without waiting for a response. Although I teach Chinese, what's the point of teaching students all kinds of words every day? But it was only after I took a taxi that I really realized what it meant to be a star-studded person! (Just kidding) Later, he was taken to the hospital. After examination, it was confirmed that two ribs were broken and needed hospitalization. My family came that night and asked me how I met them. I didn't answer, and I don't know how to answer. Do you want to tell them that I was thinking about repaying the online loan, which led to the crash?
From that day on, I started my wishing career for half a month. It was during my stay in hospital that I thought a lot. Through online inquiry, I also learned that my behavior is called lending to support loans, and I also understood the harm of lending to support loans. I learned from a painful experience and decided to go ashore after the deadline, just like my online friends. Because I don't want to be manipulated by online loans all my life, I want to live again, instead of being controlled by money.
After leaving the hospital, I told my family everything. My family has no doubts. Although there is no money to help me, I feel relieved and no longer have a burden. You just need to earn money and pay your debts later.
I believe that I will be collected by all kinds, threatened by all kinds and intimidated by all kinds. But I am not afraid, because as long as my family is with me now, I am not afraid.
The landlord owes more than 300 thousand. At this time, you must first find out the reason for your debt, and never cut off this source. In addition, you should confess to your family and give them a psychological preparation, because they will be taken away after the deadline.
And don't pay it back again unless you can pay it off in one lump sum now. Otherwise, paying interest is just a waste of money!
At my brother's age, there are old people in the world and young people in the world. We must ensure the normal operation of the family, and we must not use a little money to fill the hole in online loans.
People, as long as they live, there is always hope, right? Come on!
If you think what I said is helpful to you, please pay attention to bookworm! Thank you here! ! !
If so, why not? However, the overdue period was really the most painful day in my life. Even if I am going ashore now, I feel ashamed every time my wife and family make fun of me.
"Aren't you still borrowing online loans?" "You are not always in a hurry to pay the bill? So who remembers you now? " ......
I know it's a joke, but every time I hear such words, there is deep regret behind the wry smile. How proud I was when my career was ok before, and how embarrassed I am now. When it closed down, Gaofeng owed nearly 3 million yuan, and the iron was sold in the pot for 200 yuan. The remaining 1 10,000 can't fill the pit anyway. If my old classmates who are lawyers didn't help me negotiate to stop it, it is estimated that all the money I earned will offset the interest.
When I found that I couldn't even make the minimum repayment, I collapsed directly. I have invested too much money in stock trading and P2P, and even my house is under mortgage. Originally, I wanted to use the loan to maintain the basic operation of the company, and it will get better gradually. As a result, I found that I couldn't hold that moment at all!
After the deadline, the bank calls three times a day, and after giving it to the collection company, it calls dozens of times a day. Once I didn't answer the phone, the address book was immediately exploded, and all my relatives and friends knew it. Those who have been unable to erase their face and are willing to borrow money to turn around finally find various reasons to hide. When it's good, my brother is long and my brother is short. I always bite an X. I can't see anyone now!
After several years of struggle, we finally approached the other shore. Here is a summary of some experiences. I hope everyone will take fewer detours on the way ashore.
1. Stop raising loans with loans.
Don't borrow new loans to fill the hole in old debts. The more types, the higher the risk. Once the amount is reduced, it will either close down or take over the loan turnover with higher interest. , bitter or yourself. If you don't borrow the new and return the old, it's not paying off debts. It's jumping into another pit you've dug, and there will never be a way out.
Calm down and face the collection
Face the collection call rationally, of course, you don't need to talk too much with the collection staff, because they are not the ones who decide your fate. In their eyes, you are the performance target to be achieved in these months.
Remember not to take an attitude and refuse to answer the phone. After the credit card is in arrears, the bank will collect it through legal means. Whether you are contacted or not, the bank will sue. Even if you don't appear in court, the court will decide according to law. The result of the trial by default is to pay off the cardholder in one lump sum within the prescribed time limit. After the case is established, the court can enforce the cardholder's property, even if the debt gap is not reached, it can also enforce the cardholder's fixed assets. For example, cars, houses, etc ... If you don't pay off within the specified time and have no executable property, you will have the title of faithless person on your head, commonly known as Lao Lai.
3. Correct your attitude and communicate with your family.
To tell the truth, I can persist, thanks to the company of my family, otherwise my mind would have exploded as early as the collection. Without the company, it is really difficult to pay off millions of debts. Compared with the team income, the income from personal work is really insignificant.
When I went bankrupt, I went back to before liberation and suddenly felt that all these years had been wasted. Fortunately, my family is with me at this time, so that I can pay my debts wholeheartedly. In recent years, my wife and parents have borne the expenses of my children and family. I'm really sorry.
Friend! Hang in there, and you will turn over one day. People often ask me if I still want to start a business. Zhuang, why not? On this road, there is no reason to get down! After I successfully land next year, pay off all debts and cancel all credit cards and online loan apps, I will do a big job! But I will never touch any loans or investments again!
Because, this time, it is to accompany my family and friends silently when I am in the trough, and also for my lost youth. How can you give up if you don't work hard? Maybe we are on the way ashore, * * *!
How did you use the 300 thousand you lent? If you buy a house with a loan, there is still hope for a comeback. After all, sooner or later you can make a profit by selling your assets. In case of inflation, you can get some dividends.
Poor self-control
If the loan is purely for consumption, such as playing games and gambling with this 300,000 yuan, you can't control yourself by satisfying your vanity and self-esteem. You are hopeless. It's hard to turn over without changing.
Cognitive difference investment failure
You must pay for this. You have the ambition to get rich, and you lose money on your investment. Now you work hard to pay back the money. Isn't it 300 thousand?
One year's work, 3-4 years have a return of100000. Didn't the online man say that the annual salary was several hundred thousand? There is no problem with this little money. A few years.
As for whether we can turn over everyone's environment, the weather, location, people and opportunities are different. Some people can turn over at 45. After more practice, they are more and more mature and steady, and they are more and more reliable in doing things. Some people can't get up at the age of 40, don't like learning physics aging, and are laid off without a skill. Even their survival is in question. After the blow, confidence has disappeared. I can't get up anymore. You want to turn over, it's no use asking anyone. You must stand up and take responsibility yourself.
I took them all. It's really hard to collect them [cover your face]
Before accepting the media, I paid my debts by working. Now that I am in contact with the media, the whole person is better, the account is finished, and I have earned a lot. And bought a car. It is the media that has improved my life, and I hope it will get better and better.
30 thousand a year
Pay off in ten years. Come on, intern.
Start over,
If you have the skills, you can pay it off in five years.
Come on, we'll pay it off in three years.
Think about it.
In your thirties, you are heavily in debt. I understand how you feel now. Before I am overdue, I have to figure out in advance how to pay back the money, where to pay it back and when to pay it back every month, for fear of missing any bank and not being known by my family. At that time, I also had more than 200 thousand credit card loans. How did I owe this money? At the beginning, a trusted friend introduced me to do online investment PS (I believe many friends owe money because they have also done online investment with high interest)
I borrowed hundreds of thousands of credit cards and tens of thousands of money from other online lending companies. When I say how much I invest, I will pay interest every month according to how much I invest. Because I am a trustworthy friend and have known each other for many years, I want to give it a try. She also invested hundreds of thousands, and relatives and friends at home invested hundreds of thousands. I didn't think so much. At that time, it invested more than 200,000 yuan with a monthly interest of 6,000 to 7,000 yuan. It is said that there is no free lunch in the world. It's true. This interest has been paid for four or five months, and suddenly it is gone. I was working for two or three thousand months. If I don't repay the interest, the loan will naturally not be repaid. I can't borrow money from other platforms to rob Peter to pay Paul. I persisted for four or five months, and my old man paid back the interest. In the end, it is true. I just don't pay it back. I think everyone who has been in arrears knows the consequences. I don't know how I got through it before the deadline. If I really don't have enough internal strength, I may not persist, because bank collection is the most terrible thing, and the most terrible thing is that mobile phone numbers have been leaked by the bank's online lending company. They called all the numbers in their mobile phones, sent short messages to tell me about the arrears and asked me to repay them.
Tips: As an experienced person, if you are still in debt, you must stop as soon as possible. The most taboo is the minimum repayment amount of credit card bills and the installment repayment of bills. If you often make installment payments and minimum payments on credit card bills, your total debt will double in about two years. Many people borrow high-interest online loans when they can't move their credit cards. The result of borrowing new and returning old is to double your total debt within one year.
What if the online loan credit card can't afford too much money?
1. Too much debt. Except for mortgage loans, other loans should be stopped as soon as possible, all overdue, and then negotiate with financial institutions to repay the principal. Only when it stops can it be paid back, otherwise the more you owe, the more you owe;
2. Credit cards can negotiate personalized installment repayment with banks according to Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks. Most of them can only repay the principal through negotiation, which can be divided into 60 installments at the longest, and most of them are interest-free when they are repaid in installments;
3. Bank credit loans, policy loans and online loans are suitable for making full capital, and all interest expenses will be reduced after negotiation.
4. Credit card installment repayment is only suitable for debtors with stable sources of work income and low debts;
5. For those who are heavily in debt, it is necessary to make a unified plan for their debts. Not suitable for installment repayment. You can delay time and try to make money. If you earn enough principal, you can negotiate to repay the principal of this family, settle the interest reduction and exemption at one time, and pay off the family;
6. According to the law of 82, if you pay a small amount of arrears first, then pay a large amount of arrears, reduce the number of debtors;
7. The repayment order is credit card, bank credit loan, formal online loan and illegal online loan.
Debt solution with low debt or stable working income
Personalized installment repayment of credit card (also called stop repayment): The number of installments depends on the repayment ability of the customer, the amount owed and the bank policy, generally 6-60 installments. For customers with stable working income and installment repayment ability at present;
The final result: Except for the four major banks, Minsheng Bank and Guangfa Bank, which will charge a little reasonable interest when repaying by installments, most banks can stop paying the principal by installments.
The specific plan can be trusted privately, because I have returned to the normal life on the shore. Some banks cut interest rates and stopped paying debts, while some online loans cut interest rates and repaid in installments. How did I get ashore? At the beginning, I was introduced by a friend and met a teacher who specializes in helping debtors deal with overdue debts. She is a teacher with experience in dealing with debts. Xiaoling felt that this industry was a rewarding one, so she joined the team dealing with overdue debts. Xiaoling sincerely hopes that debtors can get rid of this torturous life and return to normal life as soon as possible. Thank you for watching. You can always pay attention to Xiaoling and write to me if you need help. I'll get back to you as soon as I see it
Special note: whatever the bank does, the ultimate goal is just to get the money back, and it will not arrest people casually, so don't be too alarmed. You should eat and sleep. This is just to tell those friends who are not overdue or are on the way to overdue.
Previously, the debt was 400,000, and the debt broke out during the venture.
I stubbornly resisted the pressure brought by debt and continued to practice. Finally ushered in a happy ending.
The reason why I say this is not to show off, but to tell you that you can't rely on others to make money, you can only rely on your own judgment.
What to do, what to do, what to do by yourself; You need to judge for yourself. Others don't know your situation, let alone what you are good at, and can't give you targeted advice.
You said you wanted to do a sideline, ok!
Then you should combine your own situation to judge what sideline is suitable for you and what sideline is suitable for long-term holding, and the income ceiling can be gradually raised.
It's pointless just to ask questions here. People tell you what you can do, but they don't tell you the method or how to solve any problems in the process.
Then, you did it for a while and found that the problem came out. The most obvious possibility is that the short-term income is too low, and there is no income when it is serious.
You are discouraged and think it's a pit. Then, you continue to ask questions, and you see someone saying what can be done.
So you plunged into it again. After a while, your income is too low, so you choose to give up and start over.
Do you think this will make money?
Especially for a person who is heavily in debt, choosing a career is extremely cautious. Once you think it is feasible, you must give full play to your execution.
Don't fish for three days and dry the net for two days, but keep ploughing!
The success of anything is inseparable from time. Many times, it is not the wrong method or the wrong choice, but the time is not up.
I can't tell you what sideline to do. But I can tell you, if you choose, don't give up easily
Don't turn over