1. Stop raising loans with loans: Many users will take the road of raising loans with loans when they are unable to repay after borrowing. In fact, this is very undesirable, and it will only make everyone farther and farther away from the road of paying off the loan. Therefore, if there is a situation of raising loans with loans, it must be stopped immediately.
2. Sorting out your debts: When you owe a number of online loans, the borrower needs to face up to his debts bravely, and must clearly understand his debts. When sorting out debts, pay attention to repaying debts with high credit rating and high interest in advance and make repayment plans. At the same time, pay attention to whether there is irregular interest calculation on the loan platform. If there is illegal interest, then the borrower can refuse to repay it.
3. Negotiation with the loan platform: If the borrower can't pay off the debt within the prescribed time limit in the case of a large amount of debt, then he can try to negotiate with the lending institution to postpone repayment or reduce part of the loan interest. General lending institutions will agree to negotiate in order to recover the loan funds, taking into account the actual situation of borrowers.
If you owe a lot of online loans, you must find a way to solve it. In fact, we need to go ashore in time, because only by going ashore in time will the consequences be less serious. However, after we owe online loans, we can also choose these practices. In addition, you can also borrow money from relatives and friends to repay the arrears, make a reasonable repayment plan, and go ashore as soon as possible. I hope I can help you!
How did you get into so much debt? Generally, repayment is based on the maturity time and interest level of online loans. You can't even pay it off, which means your work is not good either. You need to change a good job, and there is another problem. Can't you borrow money from your parents first and then pay back the online loan?
At the peak of my online loan debt, there were more than 50 loans to be repaid. It is estimated that I have visited all the online loan companies with names and without names, but there are too many debts to pay back. I haven't paid back the money for two years. At that time, I was urged by my master to return to my master, and Xixi was urged to return to the west. There is no definite plan, the money is still there. However, I feel that the total amount has not decreased, and I was forced to pay it off after landing.
At that time, money was badly needed to start a business, and people around me went to apply online one by one if they couldn't borrow it from me. After payment, they recommended other platforms to fill in the information for me.
In this way, a family of five * * * opened nearly 10 stores, which dropped by more than 500,000. Each store has different stages, including 36 issues and 24 issues, and also has a quota of 29,000.
Before the money arrives, the platform deducts the interest of the current month and the down payment, and the rest arrives. After the centralized payment expires, only the first payment will be more than 20 thousand, and it will never stop. So I embarked on the road of supporting loans with loans, and then I set up 3.5 credit companies and ran all the credit branches, big and small, until I failed to enter the audit.
I remember that at that time, I borrowed less than 700,000 principal of these loans, and paid back the interest for more than one year, and it was almost 500,000 after the installment. Finally, I owed them more than 500 thousand yuan, which was really not enough. I still needed living expenses, so I found a seven-day loan. I borrowed hundreds of short-term loans, less than 30 thousand, and finally I continued to raise loans with loans, amounting to more than 5 thousand per family
Looking at such a big hole, I was particularly scared, so I locked myself at home all day, thinking that I couldn't see anyone else, so I forgot it.
When the debt broke out, the phone couldn't stop, calling 24 hours a day, and colleagues and friends who contacted more in the address book were harassed.
Later, everyone in my husband's village knew that I owed a lot of debts outside, and the phone called his village Committee, and his father felt very embarrassed.
The Spring Festival is coming, and his grandfather received my lawyer's letter, saying that he had sued me and asked me to go to Nanchang, Jiangxi for trial.
In the end, I don't care about all the debts, because I can't pay them back, but I don't want to default.
My husband looked at me sadly and my hair turned white. Then he discussed with my parents at home and begged them to help me collect some money to pay off my debts, which is better than next year.
Because the seven-day loan interest is too high, the principal is less than 654.38+ million, and the interest has rolled by more than 654.38+ million. Finally, the village head came forward to call these online loan companies for collection, read the contract through WeChat and repay the principal. Before the Chinese New Year that year, my husband's family helped me settle the seven-day loan.
Although the credit still owes more than 500 thousand, the principal is less than 200 thousand. After three years' delay, I opened the cell phone number I borrowed before. Unexpectedly, three years later, they are still looking for me.
Then I figured out how to negotiate in stages, so I answered the phone and paid back the principals of the three companies one after another. They gave me a certificate of settlement.
In the end, several families never called me, but they all told me by text that it was time to repay the loan. I don't care if the number starting with 400 is transferred.
At the beginning of 2020, I found that I was sued by one of the letters, and it was enforced. I contacted the person in charge through litigation. I owed less than 28,000 principal and lost the contract, but I was awarded a repayment fee of 46,000 through the court.
At that time, I thought this way was unfair, so I delayed it for three months. Boy, although the lawsuit was settled, I went to the referee's online to check, and the interest was still increasing every day, reaching 48 thousand. Later, as the Chinese New Year approached, the court also asked for a settlement rate. When contacting me, I confessed my repayment ability and plan. Finally, the other party refused to wait, so I settled the principal and dropped the lawsuit.
Although all the online loans were paid off four years later, my credit information system was clean and I could never come back. The above is my personal experience, and I will share it with you for reference. Everyone has different reasons for overdue, different debts and different family economic ability. We can only choose the appropriate solution through the lessons of others. We are always good at setting our eyes on the distance, running towards our goals, wanting to grow and succeed. In fact, we can learn to deal with one ordinary little thing after another, which is also the same learning and growth. * * * Encourage!
Apply to stop repayment. If the negotiation fails, only a few dollars will be paid back every month, and it will not be paid back after the deadline.
Of course, the premise is that you are not afraid that the online loan company will explode your address book, call home to work, and basically send a text message saying that you are suing someone. In fact, there are really many people who have overdue online loans, and they can't sue.
For overdue customers, online lending companies will authorize third-party companies to collect money, and then negotiate with third-party companies, and only pay back the principal when they have money. Generally, the principal can be repaid through negotiation. If it is overdue for several months, it seems that the principal cannot be repaid, so we have to repay the principal and interest together. If you owe more than one or two years, you can basically only repay the principal. I don't know why [covering my face].
Also, once overdue, don't return it halfway, otherwise it will be all liquidated damages and interest. This must be noted.
I think it's best not to touch friends who don't involve online loans. If you already have friends who have online loans, you'd better pay them back quickly, because sometimes online loans are really impossible to borrow. I hope everyone can tide over the difficulties.
Bidirectional 1. Recognize the reality and be down to earth. I won 5 million in the lottery.
Forced ashore! Communicate with banks and loan companies first, stop interest, repay the loan and agree on the repayment time. Once agreed, you can't break the contract again!
There are too many online loan liabilities, which can be handled in the following ways: 1, and repayment can be negotiated with the other party. 2. If the overdue period is serious, the repayment can be transferred to other places, otherwise the other party can sue. Because the creditor-debtor relationship formed between individuals is protected by law. If the case is successful, after the final repayment period, the other party may apply to the court for enforcement. However, if the interest rate agreed by both parties exceeds three times the quoted interest rate of the one-year loan market at the time of the establishment of the contract, the court will not support the excess.
According to Article 668 of the Civil Law, a loan contract shall be in written form, unless otherwise agreed between natural persons.
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