1. Current liabilities
There are 750 million people in the country who are in debt, but most of them are car loans and housing loans, which is different from people like us who are penniless and heavily in debt.
But the total amount of overdue credit cards currently exceeds 80 billion, which does not include overdue online loans. In addition, there are more than 150,000 people subject to execution for breach of trust. What concept? Count how many people owe money and can't pay it back!
So debt is not terrible, debt is not even a criminal case, we still have personal freedom and can make money to live! Those sentenced to more than ten years or even life imprisonment are persisting!
Second, survive first
The debtor’s confusion is incomprehensible to ordinary people:
Remorse for the reasons for past debt;
I have lost hope that I will not be able to pay off my debts in the future;
I am unable to assume obligations to my family members;
For the sake of this beautiful world, I am unwilling to leave!
So, debtors must first put down their debts, prioritize survival, find a job or do something to survive. It’s better to ensure the livelihood of your family first. As for debt, take your time!
Third, don’t worry
It is impossible to deal with debt immediately, but to fight a long battle. This time may be three to five years, or it may be ten years or even a lifetime!
Work hard while ensuring survival. Who knows what will happen to us in the next ten years! Even without debt, it takes effort.
On the premise of doing your job well, try to do some part-time jobs or side jobs, and look for various opportunities to make money. Being a self-media is also a good choice, and does not require any capital investment!
Fourth, about debt
Debts are bound to be overdue, and they are tortured by banks and online loan platforms every day. In fact, once you get through it, you’ll get used to it!
Banks and platforms just want you to pay back your money. Since you are penniless, why should you care about these pressures? They can't do anything to us!
Of course, we are not asking everyone to be lazy, but we must ignore it in order to make money!
Verb (abbreviation of verb) About collection
For bank collection, don’t lose contact. Regardless of whether you have money or not, occasionally answer collection calls to show your willingness to repay and explain the current situation!
Online loan collection, it depends on your mood whether you will accept it or not! As for whether the address book will be exploded, why do you care? Everyone who is supposed to come will come!
Even if the bank and the platform sue you in the future, it will still be a civil dispute. Although high consumption may be restricted, it will not restrict your personal freedom. We can also work and make money!
May all debtors in the world come to shore as soon as possible!
Friends, nothing is hopeless, everything will be fine in the end! Don't default on your debt. I'll give you some advice. You can try it!
1. You owe nothing more than several kinds of debts, banks, relatives, colleagues, friends, credit cards, classmates, high interest rates, etc., yes! Now I can understand why your business is losing money, but one thing about you as a man is to face everything bravely, because everything is caused by ourselves, so you have to take responsibility. Are you saying that you can't let go, or that you are carrying it to death? The more tired you are, the harder it is. So now you have to put aside all dignity and communicate well with your creditors!
2. In the process of communication, loan sharking is the most difficult to communicate. You can choose to call the police for this kind of person, or you can go to them directly and make it clear. If you make usury loans, I will also give you a lot of interest. Now you have lost your eye. I have no choice but to call the police, or you can let them handle it through the courts! If they say they'll give you their time, it would be good for you to communicate well. Only the principal can be repaid. There is really no interest, three or five years. Again, don’t be dishonest when communicating. Some people just threaten you to go to your wife's house and so on. , then you let him go. Make an agreement with your family to call the police. After all, your family doesn’t owe him money, it’s you who owes it, so you must know how to protect yourself with the law! Only we can be in this position.
3. You should take the initiative to communicate with the bank. After all, the spread of the epidemic this year has a great impact on people from all walks of life, even those who work. So take the initiative to communicate with bank staff, keep a low profile, and ask the bank to postpone repayment. The bank will ask you how to repay, whether in stages, quarterly or yearly. You have to think about it yourself.
When you start making money, you should talk about it. Stop bragging and make 2,000 yuan.
4. Credit card is also very important. First of all, you must take the initiative to communicate with the credit card issuer. Now I really can’t afford it. If possible, plan when to pay it back and pay it off in one lump sum. It doesn't help if the credit card is not used at all. Some people are just afraid. You won’t be able to defeat such people in ten years. Because you have been paying interest like this, please pay off the credit card in one lump sum.
5. Don’t pay attention to these people’s credit card collections, because they only make you uneasy through threats and intimidation. You can attack this kind of people, because this kind of people are heartless trash, there is no need to pay attention to them, and there is no need to be afraid of anyone, so it still takes courage to owe money. You need to have mentality, courage and determination. You want others to owe tens of millions, how much do we owe, right?
6. Tell your relatives, friends and colleagues about their money. It doesn't matter whether the money is there or not. Others know that you have lost money, but your words must come true. If you have taken care of the above by yourself, how about changing your account number and going to work in another city? Neither your wife nor you should be generous to you. You can't tell her yourself that a man can afford it and let it go. Women are like clothes and money. So think about it for yourself! Nothing is impossible, as long as we face it bravely and work hard to make money! I have a word for you: God-given talents, just let them go and hire them! ! Spin a thousand silver coins and get them all back! ! As long as we work hard! Hard work and simplicity! Nothing can defeat us!
Currently, many people across the country are in debt, ranging from hundreds of thousands to hundreds of thousands to millions. It’s really hard to get into debt. At this time, there is no way out. You must have a strong heart to face the sarcastic comments from relatives and friends, and to calmly look at the joys and sorrows of your peers and even outsiders. You have to believe that difficulties are only temporary. When you are at the lowest point in your life, you often feel helpless. No one can help you. Only the unkillable soul of Xiao Qiang can rescue you from the pit. Being in debt is not about owing someone's life, it is about living first, working hard for survival, struggling, struggling, making money every day, and the debt will become less and less, but it is not the kind of grabbing things to make up for things. Since there is no way out, we are forced to go ashore. Life has its ups and downs, its joys and sorrows. It will get easier and easier to put down debt, work hard, and settle accounts carefully.
At present, almost 90% are liabilities, such as car loans, mortgage loans, etc. I don’t know how much you owe and what specific areas you owe. If it is online gambling, then you should quit now, as you will lose nine times out of ten. It is impossible to turn over by relying on online gambling, you will only become more and more in debt. Debt is not terrible. What is terrible is that you choose to give up on yourself because of debt.
First take a piece of paper and list your debts, such as Alipay, WeChat, friends, online loans, etc. , and write a list. Credit cards and Alipay are credit priority for repayment. If the annual interest rate of online loans is higher than 40%, there is no need to worry. This is usury. Even if you sue, you won't accept it. If you owe money to the bank, you can negotiate with the bank to repay it in multiple installments to reduce your repayment pressure.
Secondly, we must save money and reduce unnecessary expenses, such as drinking and singing at night, using get off work time and part-time jobs in our spare time to increase income. There are many types of part-time jobs, such as running errands, being an online ride-hailing driver, acting as a driver, setting up a stall, self-media, etc. , and part-time work can increase your income by thousands of dollars every month.
Finally, don’t give up. Sunshine always comes after the storm. As long as people are around, they will always turn over. No matter how difficult the road is, there will always be an end.
After reading most of the answers, I feel that debt is not terrible, crime does not lead to death, and there is no need to bear criminal responsibility. However, for real debtors, we can truly understand how terrible, tormenting, exhausting, hurting, and difficult the days of debt are... Although we are alive, it is really worse than death.
Those who were in debt were forced to live a hard life.
2. The wife is separated.
3. Poverty.
Four. Homeless
5. It’s hard.
Six. nothing.
The above are descriptions of the tragic life dilemma of debt. If we want to say that it is terrible, these are nothing. The most embarrassing thing is the ruthless killing of secular culture-eyes, sarcastic language; coupled with effective legal documents, the disciplinary clauses for debtors can be through mediation, negotiation or Personal fixed assets to enforce and even pursue criminal liability, so! Dear debtors, we really cannot ignore our borrowing responsibilities so easily.
At the same time, borrowing money is not something you can just say "I don't know". For any creditor, TM's money does not come from strong winds, but is accumulated through hard work. Although it is said that various factors lead to heavy debts, this is not a reason for not paying back the money. Since it currently does not have the ability to repay, then, as debtors, we must believe that this society is still beautiful and loving. Don't give up the basic standards of life easily.
Difficulties cannot hinder a person's desire to survive. As long as you work hard enough, be honest enough, persevere enough, know how to be humble, and work with an open mind, you will definitely win opportunities.
To say that the debtor is "helpless" is against his will. It can only be said that the factors that really make the road blocked are short-circuit thinking and weak ability. In this case, what is missing is that a person should know how to think behind closed doors, learn to recharge, understand oneself, and improve oneself. This is the most precious thing.
It does not mean that if you drop everything and study immediately, you will get immediate results. The purpose of learning is to recognize yourself - your strengths and weaknesses, take advantage of your strengths and avoid your weaknesses, and think from your own strengths to achieve a real breakthrough.
In fact, the road is at your feet. If you want to know how to learn and change, you can only have flexible thinking and logic. A solidified brain will hit a wall sooner or later.
The general path is forced. If you don't have debt, you may never have the chance to experience all this sadness in your life. Maybe you won't have the opportunity to realize that the personal problem exists, but you will fall. If you don’t push yourself, you won’t even understand yourself and how great you are. come on! Dear friends! It’s not that you haven’t paid off the loan yet, it’s that you haven’t found the real path yet. Go to the right and all problems will be solved.
As the saying goes: thinking determines the way out, and at the same time, it also changes destiny. What do you say?
Like you, I can't pay off my debt for the time being.
I am now working alone, and no one’s debt has been repaid, including some platforms that do not require interest, penalty interest, or liquidated damages. I can only earn a little now, and I will contact them when I can repay the principal. I feel like I can pay a little more every month, but it’s not enough for them to charge interest.
Calm down and face it calmly.
As the old saying goes, it is natural to kill someone to repay a debt.
How is the debt owed? Is it a failure in entrepreneurship or a lack of hard work? Anyway, now that it happened, I was thinking about how to deal with it. I don't know how much I can pay back. As long as I am not idle and work hard to make money, I will have a lot more.
The creditor will not do anything to you, they just want you to pay back the money. After all, other people's money doesn't come by the wind, and creditors don't feel comfortable either. Put yourself in other people’s shoes. How do you feel when you lend money to others and they don't pay you back?
To be able to owe so much debt shows that you are not an idle person and have some brains and skills. Maybe this is just temporary. Everyone has troughs, but people cannot fall into darkness when they are at troughs. They can learn lessons, sum up experience, and maybe make a comeback.
Even if you still don’t know it all your life, you must face life calmly. After all, people have to live and plan their lives rationally. Life is worse than death. It’s also a day to be happy, and it’s also a day to cry. Why not have a good day?
There are many people in debt in today's society. Don't lose heart, let alone lose hope in life. Come on, work hard!
This situation is not uncommon in real life. As long as you don't intentionally breach the contract, and as long as the other party doesn't intentionally press for debt, it's no big deal. You can take the most effective way to solve or alleviate it. Write a formal IOU to the other party, explain the situation, indicate when it can be repaid, and what is most guaranteed, such as real estate and buildings on the ground, such as a mediator as a guarantor. If the other party still refuses to give in, then you can only let him go through the legal process. The final court decision is a reasonable solution to the problem and cannot force you to death.
Hello, very good. I'm happy to answer your questions
Facing failure and debt is the most important first step for anyone who wants to get out of the debt quagmire:
Since you failed, you still owe debt , then there is nothing to hide. In difficult times, survival is more important than anything else. Only by ensuring survival can there be a chance for a comeback and the defeat will be clear. Age doesn't matter. The old man selling oranges and the boss with melatonin are all role models for everyone. They can rise again. The key is to see past your own past. Lao Song always reminds everyone repeatedly that the future is only changing. Think calmly.
Do you think ￡1 million is a huge debt? Is it because you are eager to repay it? How many factors are due to the concept of "face" that you can't let go? Please put down your "face" first. If you can lose it, you can definitely get it back. How many failures in the past were due to "face"? What is the reason for the failure? Don't rush out onto the road before getting up. How can you run without standing up? Please admit failure first, then accept failure, and finally analyze failure carefully!
2. When you understand the first step above, you will have the next step: sort out your debt!
How to sort out debt. Sorting out debt itself is the beginning of facing debt "rationally". Most people use loans to support loans and borrow new debts to pay off old debts. How much was the overdraft limit and how much was spent? As you sort through your debt list, your heart bleeds. Have the scenes of taking and spending money come back to you? !
When you settle on a platform with a monthly income of 4,000 yuan, you are qualified to set your sights on a platform with a monthly income of 40,000 yuan. Life is like a ladder, step by step, you go up. A weak patient may fall another step or two. In the Internet era, everything has been accelerated, and you cannot adapt to this speed, so you can only get to where you are today.
3. If you are mentally strong and your debts are clear, you can take the third step to solve the survival problem!
There are two keys to survival: one is personal freedom, and the other is monthly income. The problem of monthly income can be solved by finding a job, but the problem of personal freedom is the most important, because there is such a huge debt in front of me. If you do not face it actively, once the creditor resorts to legal action, it will trigger a legal judgment and lose your personal freedom. Then everything will basically reach a dead end. If all the income except the debtor's right of survival is used to pay off the debt, and it is complied with, according to Chapter 2 of our Constitution: Civil Rights, in order to avoid legal risks caused by the debt, why should it be entrusted to a third party? Because most debtors do not have this ability, cannot afford a lawyer financially, and do not care about the difficulties of creditors in collecting debts. They are alienated and isolated in the power of "love". China has always had many Chinese national conditions. The economic tide has not only brought extreme material prosperity, but also brought people who are too poor and love the rich ideologically and are stuck in the quagmire.
4. If you are mentally strong, your debts are clear, and your survival problems are solved, you can proceed to the fourth step: solve the monthly income problem!
The first impression given by the monthly income issue is that of a part-time job. What about part-time jobs? I can't figure it out. why not? Because you think about the problem from a personal perspective, do you know how big the debtor group is in China? There are hundreds of millions now and it will grow in the future. This is a "group", 90% of which are young people. What if you stand on the platform of such a young group?
How to stand? We were born in an era with developed Internet. Mr. Ma put the most advanced tools in front of everyone, and we can use them with our hands. Isn’t Mr. Ma’s “great cause” created by people? Thoughts always determine the way out. You are desperate because your abilities are always limited. You are saved because your thoughts and actions have reached a certain point, and then you did the right thing at the right time. Now that the media is so popular, live broadcasts and short videos are so popular, there are opportunities on the Internet. Once someone succeeds, it can be quickly copied, all because of the energy of the group. When your opportunity is valued by most people, the greater the resources you can use, the stronger your ability to monetize. This is the fan economy.
There are many ways to solve the monthly income problem. One believes there is no model to follow. If a group of people are thinking, the opportunities will become more. If you add successful practices, the energy will be even greater!
5. The hope of solving the above four problems begins to appear, and life begins to take a new direction. The rest is hard work and persistence!
First, those who want to fall into the quagmire of debt should not lose confidence because they have no money and forget the meaning of life; no matter what you do, you must be virtuous!
Don’t give up on yourself
You can pay back the money slowly, but you can’t lose your fighting spirit!