What else can we do?
There are only three endings.
The first outcome is to ignore it for many years, waiting for the bank to go bankrupt, which may turn into bad debts and be written off. As a matter of fact, some banks did go bankrupt. Although the probability is small, it is not without it.
The second outcome is that the issuing bank is entrusted to a collection company with the nature of a black society to collect debts, and the bank plays the role of a golden cicada. The debtor is threatened by various means and still has no money to repay. In the end, I will be sued to the bank and become a blacklisted person. From then on, I will live a dog's life!
The third outcome, forced by debt, really can't take extreme measures to avoid debt forever. Such as suicide, revenge on society, mutual destruction with creditors and debt collectors and other extreme ways to end an anxious life without joy and regret! It's not alarmist, similar incidents happen from time to time!
The loan company and lender, Qian Qian, who is holding his hand, don't lend easily. You want his high interest rate, real estate, luxury car, etc. He wants your principal, even your life. Only by controlling the upstream of the loan, will there be less and less dishonesty and laolai.
I now have four online loans, Meituan 8000, Micro-loan 20,000, 360 loan 60,000, Alipay loan 2 1 10,000. 9 credit cards, * * * 186000. With a debt of 500 thousand, I can't take it anymore, and my eyes are in a trance. Alipay has been overdue for 5 days, and there is no violent dunning at present. Now it is handed over to the so-called professional negotiation company for the second installment.
If it is overdue for a long time, it must be a violent dunning first, or even an address book. As far as I know, it will not be prosecuted, at least online lending will not be prosecuted, and it belongs to private lending. It's just that if your psychological construction is not strong enough, you need to get through it yourself. It's best to consult a bank or online loan company to stop repayment, otherwise only interest will be paid, and the principal is still a lot, which is simply a bottomless pit.
Finally, I hope the business of physical stores can be better. Everyone should take care of physical stores and don't always buy them online. Now the profit of physical stores is really low, and there is no such profiteering. Wish you and yourself an early landing.
Sue, see you in court. Finally, it is to pay back the money (legally and legally), and it will be paid back sooner or later, unless it is deliberately not paid back. Finally, Lao Lai. Reasonable money must be returned. My debt is overdue now, and I owe more than a dozen platforms and credit cards. I work hard to make money and pay my debts. I have no choice but to invest, overspend and eat the bitter fruit I planted. Very few people really deliberately fail to pay back the money. I hope to give the debtor more space and understanding. It's not that they don't pay back the money. There is really no way, only to solve it slowly.
There are three overdue online loans and credit cards.
Tell me a typical one.
My friend's brother worked in insurance after graduating from college, and his performance was not bad at first. In order to facilitate business, he paid a down payment loan with a credit card and bought a car of several hundred thousand. As a result, not long after, due to the unsatisfactory insurance performance and the cost of talking about girlfriends, the car loan could not be repaid normally, and it was overdue. So he set up three credit cards and began to rob Peter to pay Paul. Later, the credit card expired again, and he applied for an online loan. In this way, in more than two years, the debt accumulated to more than 600 thousand, and there was no way to sell the car that had only driven more than 10 thousand kilometers and pay it back. He kept it from his family before, but later his family knew that he owed a huge debt! After buying a car to repay, he still has 520 thousand. I heard that hundreds of thousands of pension money saved by parents have been paid off in the past two years. Now, nearly 70-year-old parents and his family of three work to pay their debts, and they still have not paid them off.
Through my friend's brother, I summed up the lesson: 1. After the online loan and credit card expire, the interest is very high. If it is not repaid in time, small loans will soon become terrible huge debts. 2. Young people should first consider the consequences. Unless they are sure to pay off in time, don't easily go to online loans and use credit cards in large quantities. 3. Don't hide the online loan and credit card loans overdue. Be sure to tell your family in time and ask for help as soon as possible to avoid snowballing interest from turning small loans into huge debts.
Finally, let's talk about the solution to the problem: if the loan has become a large amount of arrears and cannot be repaid, we should negotiate with the borrower as soon as possible, strive to waive most of the original interest, sign a repayment agreement, and ask for interest-free or low interest during the repayment period, so that we can hope to pay off the arrears. Otherwise, if interest is paid or repaid, I'm afraid this' usury' will never be paid off with low income.
It's just a personal credit problem. You should eat and drink. It's rare to hear that you went to jail for owing online loans and credit cards. One of my high school classmates owed more than 200,000 online loans for more than four years and never paid them back. Now the collection has basically given up on him. This classmate bought a house and a car in his wife's name and lived a good life. He used online loans to tide over the difficulties.
You owe money, not life! Pay it back if you have money. If you have no money, you will go bankrupt. If you are lucky, you can make a comeback! No luck, just work hard to make money! Eat and drink, look down! The experience of a person who has been there! The world is the most important! When you are down and out, your reputation is really worthless! Is an ordinary person in itself!
Credit card: negotiate with the bank as soon as possible before it is overdue. Give a detailed repayment plan!
1. Interest
As we all know, the interest rate of banks is very high. Just try to find out how high it is. You have to pay two fees before credit card repayment, one is late payment fee and the other is penalty interest. The late payment fee is usually 5% of the unpaid part of the minimum repayment amount, and the interest is five ten thousandths per day, and the interest is rolling.
blacklist
Too many overdue times or malicious refusal to repay will be blacklisted, and there is no hope of buying a car or buying a house loan in the future. Once blacklisted, it will affect your credit history, so your future cars, hotels and other aspects will have an impact.
3. Legal liability
Once the bank sues, you will still be investigated by law, so if you overdraw and don't repay, even if you run away or disappear, it won't help. If the credit card is maliciously overdrawn for more than 90 days, the bank can sue. Many bank credit card centers hand over the credit card repayment collection work to "debt collection companies", and they will go directly to the cardholder's residence or even their hometown to collect debts!
Now the consequences of not paying back the credit card are more clear. I suggest that all card friends live within their means and repay in time after overdraft to avoid overdue. And if you really can't pay at the moment, don't take extreme measures. Besides the minimum repayment and installment, you still have a way out. You can choose to change the billing date.
No matter how difficult it is, it's still a few hundred dollars a month.
There are two kinds of online loans: one is online loans with credit information, and the other is online loans without credit information. Online loans with credit information are paid first, and those without credit information are waiting to sue for repayment.
Whether it is credit card or online loan, the first thing we should do is to adjust our mentality, make full use of our advantages and make more money. Please pay back the money as soon as possible!
Finally, either listen to ignorant people and deny professional people. Until the end, a lot of money will be lent to others, or until the pot breaks. In fact, there are formal and professional solutions just because they are ignorant to deny or not to believe. You have to understand that not everyone is as broken as you, and broken pots and falls do not mean that they are safe and sound. Know the consequences and understand the limits of influence. Pay attention to the comments in the wo comment area and answer them one by one.
I don't think it is appropriate to put this question at the end. Many people who have experienced the last online loan turmoil are now doing well. I am one of them.
Paying off debts is a matter of course. It's been almost four years. Looking back on this experience, the biggest feeling is that it is just an episode in life, so just face it calmly. You can't burden yourself with this and affect your normal life.
I still have three credit cards and five online loans in my hand, which I haven't returned yet. Credit cards communicate well with banks, but only repay the principal, not the online loan, because they are all entrusted outsourcing business, and they can't do it. A head online loan, the name will not be mentioned. After three years of dating, nothing came of it. The principal is 9000, and now it has risen to 17000. How can I repay this money? If I call you, I am untenable. A few words later, I finished the task and hung up the phone.
Answer the collection phone when you are not busy, and don't care when you are busy. To ensure your normal life, the remaining 500 is still 500, and there is nothing you can do if you don't pay back a penny. How difficult it is to make money now.
It's not the uncle who owes money. What are we afraid of? At the beginning of the online loan storm, the responsibility was not on the borrower, which caused us such a big loss, and there was reason to sue the online loan company. Unfortunately, most online lending companies have closed down and sued third parties for collection. No one can find them. It's embarrassing to think about repayment now. For online loans, I will be satisfied if I can get back the principal.