1. Communicate with the lending platform as soon as possible: communicate directly with the lending platform, explain your predicament, and try to negotiate to postpone repayment, reschedule repayment plan or lower interest rate. They may be willing to provide some flexible solutions.
2. Seek help from relatives and friends: Consider borrowing money from relatives and friends to pay off some or all of your debts. Make sure that you can keep your promise and repay on time, so as not to affect interpersonal relationships.
3. Seek professional advice: Debt consulting agencies or lawyers may be able to provide relevant legal advice to help you sort out the current situation and give correct solutions.
4. Study and choose the solution that suits you best: understand bankruptcy, debt restructuring and debt settlement, and make wise decisions according to your personal situation.
5. Stabilize the financial situation: adjust the lifestyle and expenditure as much as possible, and find additional sources of income so as to have enough funds in the process of paying off debts.
Summary:
In the face of online loan arrears, it is important to maintain a positive attitude and seek suitable solutions. Keeping in touch with the lending platform, considering debt consultation and reasonable financial management can help you tide over the difficulties. Remember, these suggestions are for reference only, please consult a professional before you act.
Supplementary information:
-Understand the provisions of China law on debt recovery and bankruptcy;
-Learn to plan financial affairs rationally to avoid similar situations from happening again;
-Enhance the risk awareness of lending behavior by learning financial knowledge.