I. Current liabilities
There are 750 million people in debt in the country, but most of them are car loans and mortgages, which is different from people like us who are penniless and heavily in debt.
However, at present, the total overdue amount of credit cards exceeds 80 billion, which does not include overdue online loans. In addition, there are more than150,000 people who have lost their trust. What concept? Count how many people owe money and can't afford it!
So debt is not terrible, debt is not even a criminal case, and we still have personal freedom and can earn money to live! Those who have been sentenced to more than ten years or even life imprisonment are insisting!
Second, survive first.
The debtor's confusion is beyond ordinary people's understanding:
Regret for the causes of past debts;
Lose hope of not being able to pay off debts in the future;
Unable to assume obligations to family members;
I don't want to leave for this beautiful world!
Therefore, the debtor must first put down the debt, give priority to the problem of survival, find a job or do something to survive. Let's ensure the life of our family first. As for debt, take your time!
Third, don't worry.
It is impossible to deal with the debt immediately, but it will take a long time to fight. This time may be three or five years, or it may be ten years or even a lifetime!
Working hard under the condition of ensuring survival, who knows what will happen to us in the next ten years! Even if there is no debt, you need to work hard.
On the premise of doing your job well, try to do some part-time or sideline jobs, look for various opportunities to make money, and be a self-media is also a good choice, without any capital investment!
Fourth, about debt.
Debt is bound to be overdue and tortured by banks and online lending platforms every day. In fact, get used to it when you get through it!
Banks and platforms just want you to pay back the money. Since you have no money, why 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 earn money for landing!
Verb (abbreviation for verb) about collection
For bank collection, don't lose contact. No matter whether you have money or not, occasionally answer the collection phone to show your willingness to repay and explain the status quo!
Online loan collection, depending on your mood, pick up or not! As for whether it will explode the address book, what do you care? Everyone who should come will come!
Even if banks and platforms sue you in the future, it will be a civil dispute. Although it may limit high consumption, it will not limit your personal freedom. We can still work to make money!
May the debtors in the world go ashore as soon as possible!
My friend, nothing is hopeless, and everything will be fine in the end! Don't default on your debts. I'll give you some advice. You can try!
1, you owe only a few debts, such as banks, relatives, colleagues, friends, credit cards, classmates, high interest rates, etc., right! Now I can understand why your business is losing money or something, but one thing about you as a man is to face everything bravely, because everything is caused by ourselves, so you have to bear the responsibility. Are you saying that you can't let go of your face, or are you carrying it to death? The more tired, the harder it is. So now you have to put down all your faces and communicate with creditors!
2. In the process of communication, usury is the most difficult to communicate. You can choose to call the police for such people, or you can go directly to them and make it clear. You loan sharks, and I give you a lot of interest. Now you've lost your eyes. I have no choice but to call the police, or you can let them handle it through the court! If they say they will give you time, it is 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 can let him go. I made an agreement with my family to call the police. After all, your family doesn't owe him money, but you owe it. You should know how to protect yourself by law! Only we can be in this position.
You should take the initiative to communicate with the bank. After all, the spread of the epidemic this year has had a great impact on people from all walks of life, even working. So take the initiative to communicate with the bank staff, keep a low profile and let the bank postpone repayment. The bank will ask you how to pay it back, in stages, quarterly or yearly. You must think for yourself. When you start making money, you should talk about it. Stop bragging and make 2000 yuan.
4. Credit cards are also very important. First of all, we should take the initiative to communicate with credit card issuers. Now I really can't afford it. If you can, plan when to pay it back, and pay it off at one time. Credit cards are useless. Not at all. Some people are just afraid, and you can't finish this kind of person in ten years. Because you always pay interest like this, please pay the credit card in one lump sum.
Don't pay attention to these people's credit card collection, because they just make you uneasy through threats and intimidation. You can crack down on such people, because such people are heartless waste. There is no need to pay attention to them or be afraid of anyone, so it takes courage to owe money. You need to have a mentality, courage and courage. 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 if the money is still there. Others know that you have lost money, but you must come. If you handle all the above yourself, how about working in another city with a different number? Neither your wife nor you should be generous to you. You can't tell her yourself that men can afford it. Women are like clothes, rich. So think about it yourself! Nothing is impossible, only we face it bravely and work hard to make money! Send you a word: since God has given talents, let them be used! ! Spin a thousand silver coins and come back! ! As long as we work hard! Hard work and plain living! Nothing can beat us!
At present, many people in the country are in debt, ranging from hundreds of thousands to hundreds of thousands to millions. Debt is really hard. At this time, there is no way out. You must be strong in your heart to face the coldness of friends and relatives and calmly treat the joys and sorrows of peers and even outsiders. You have to believe that the difficulties are only temporary. When you are at the lowest point in your life, you often feel helpless. No one can help you. Only by not killing Xiao Qiang's soul can you be saved from the pit. Debt is not owed to people's lives, but to live first, work hard, struggle, struggle for survival, make money every day, and debt will become less and less, but it is not the kind of robbing the east to make up for the west. Since there is no way out, it is forced to go ashore. Life has ups and downs, sadness and joy. It will be easier and easier to put down your debts, work hard and settle accounts with your heart.
At present, almost 90% are liabilities, such as car loans and mortgage loans. I don't know how much you owe, and what exactly. If it is online gambling, then you should quit now, and nine times out of ten you will lose. It is impossible to turn over by online gambling, and it will only become more and more in debt. Debt is not terrible, what is terrible is that you choose to give up yourself because of debt.
First, take a piece of paper and list your debts, such as Alipay, WeChat, friends and online loans. And write a list. Credit cards and Alipay are the priority repayment of credit information. If the annual interest rate of online loans is higher than 40%, don't 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 and repay it several times to reduce your repayment pressure.
Secondly, we should save money and reduce unnecessary expenses, such as drinking and singing at night, taking advantage of off-duty time and doing part-time jobs in our spare time to increase our income. There are many types of part-time jobs, such as running errands, network car drivers, driving on behalf of drivers, setting up stalls, and self-media. And a part-time job can increase your income by several thousand yuan every month.
Finally, don't give up. Sunshine always comes after a storm. As long as people are here, 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 the real debtor, we can truly realize how terrible, tormented, tired, injured and difficult the debt day is ... although alive, it is really worse than death.
Those who are in debt are forced to live a hard life.
2. The wife is separated.
3. Down and out.
Four. be homeless
5. It's hard.
Six. It's nothing.
All of the above are descriptions of the miserable life in debt. If, to say terrible, these are nothing, the most embarrassing thing is the ruthless killing of secular culture-eyes, ironic language; Coupled with effective legal documents, the disciplinary provisions for debtors can be implemented through mediation, negotiation or personal fixed assets, and even criminal responsibility can be investigated, so! Dear debtors, we really can't easily ignore the responsibility of borrowing money.
At the same time, you can't just say "I don't know" to borrow money. For any creditor, TM's money is not blown by strong winds, but accumulated through hard work. Although it is said that various factors lead to heavy debts, this is not a reason not to pay back the money. Since it is not able to repay at present, as debtors, we must believe that this society is still beautiful and loving. Don't give up the basic standards of being a man easily.
Difficulties can't hinder a person's desire for survival. As long as you work hard enough, be honest enough, persist enough, know how to be modest and do things with an open mind, you will certainly win the opportunity.
It is against one's will to say that the debtor is "helpless". It can only be said that the factors that really make way are short-circuit thinking and weak ability. In this case, what is lacking is that a person should know how to think behind closed doors, learn to recharge, know himself and improve himself. This is the most precious thing.
That is not to say, if you drop everything and study immediately, you will get immediate results. The purpose of learning is to recognize oneself-strengths and weaknesses, learn from their strengths, avoid their weaknesses, and think from their own strengths, so as to achieve a real breakthrough.
In fact, the road is under your feet. If you want to know how to learn and change, you have to be flexible in thinking logic. The solidified brain will hit the wall sooner or later.
In short, the road was forced out. If you are not in debt, you may never have a chance to experience all this sad life in your life. Maybe you won't have a chance to realize the existence of personal problems, but you will fall down. If you don't push yourself, you don't even know yourself or how great you are. Come on! Dear friends! It's not that you haven't paid off the loan, but that you haven't found the real way to go. Go to the right and everything will be solved.
As the saying goes: thinking determines the way out, at the same time, it also changes fate. What do you say!
Like you, I can't pay my debts for the time being.
I'm working alone now, and I haven't paid anyone's account, including some platforms that don't need interest, penalty interest and liquidated damages. I can only earn a little now, and I will find them when I can repay the principal. I feel that it is not enough for them to pay a little more every month.
Calm down and face it frankly.
As the old saying goes, it is only natural to kill and pay off debts.
How is the debt owed? Is it a failure to start a business or not working hard? Anyway, since 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 try to make money, how much do I have?
Creditors won't do anything to you, they just want you to pay back the money. After all, other people's money is not blown by the wind, and creditors feel bad. Put yourself in others' shoes. How do you feel when you lend money to others and others don't pay it back?
Being able to owe so much debt shows that you are not an idle person and have some brains and skills. Maybe it's only temporary. Everyone has a trough, but people can't fall into darkness at the trough. They can learn from their lessons, sum up their experience and maybe make a comeback.
Even if you still don't know for a lifetime, you should face life calmly. After all, people have to live if they live, and they should plan their lives rationally. Life is worse than death. Happiness is also a day, and crying is also a day. Why not have a happy day?
There are many people in debt in this society now. Don't lose heart, let alone lose hope of life. Come on, work hard!
This situation is not uncommon in real life. As long as you don't intentionally breach the contract, as long as the other party doesn't intentionally force the 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, explaining the situation, indicating when it can be returned, and what can best be guaranteed, such as real estate and buildings on the ground, such as a mediator as a guarantor. If the other party is still adamant, then you can only let him go through legal procedures. In the end, the court's decision is also a reasonable solution to the problem and cannot force you to death.
Hello, good. I'm happy to answer your question.
Facing failure and debt is the most important first step for anyone who wants to get out of the debt quagmire:
Now that you have failed and are in debt, there is nothing to hide. In difficult times, survival is more important than anything else. Only by ensuring survival can there be a chance to make a comeback and the defeat will be clear. Age is not an issue. The old man selling oranges and the boss of melatonin are all role models for everyone. They can rise again. The key is to see through your past. Lao Song always reminds everyone repeatedly that the future is just changing. Think calmly. Do you think100000 is a huge debt? Is it because you are anxious to repay? How many factors are due to the "face" concept that you can't give up? Please put down your "face" first. If you can lose it, you will definitely get it back. How many failures in the past were due to "face"? What is the reason for the failure? Don't rush into the road before getting up. How can you run without standing up? Please admit failure first, then accept failure, and finally analyze failure carefully!
When you understand the first step above, you will have the next step: sorting out debts!
How to sort out the debt, sorting out the debt itself is the beginning of "rational" facing the debt. At this point, most people are because: to support loans with loans, and to repay old debts with new debts. How much was overdrawn and how much did it cost? When you are sorting out your debt table, your heart is bleeding. Is the scene of taking money and spending money back to your heart? !
When you settle down on a platform with a monthly income of 4,000 yuan, you are entitled to set your sights on a platform with a monthly income of 40,000 yuan. Life is like a ladder, one step at a time, that is, you go up. A weak patient may fall down one or two more times. In the internet age, everything has been accelerated, and you can't adapt to this speed, so you can only go as far as today.
3. If you are psychologically strong and have clear debts, 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 us. If we don't face it positively, once the creditors resort to the law, it will lead to legal judgment and loss of personal freedom, then everything will basically enter a dead end. If all the income except the debtor's right to life is used to pay off the debt, and it is observed, according to Chapter II of our Constitution: Civil Rights, in order to avoid the legal risks caused by the debt, why should it be entrusted to a third party? Because most debtors don't have this ability, they can't afford a lawyer economically, and they don't care about the entanglement of creditors' debt collection. They are alienated and isolated in the power of love. China always has a lot of national conditions of China. The economic tide has not only brought great material prosperity, but also brought people who are too poor and love the rich and are mired in the quagmire.
4. If you are psychologically strong, your debts are clear, and your survival problem is solved, you can proceed to the fourth step: solve the monthly income problem!
The first impression of the monthly income problem is part-time. What about part-time jobs? I can't figure it out. Why not? Because you consider the problem from a personal point of view, 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", and this group is 90% young people. What if you stand on the platform of such a young group?
How to stand? We were born in an era of developed Internet. Manager Ma put the most advanced tools in front of everyone, and we can use them by hand. Isn't Ma Zong's "great cause" made by people? Ideas always determine the way out. You are desperate because your ability is always limited. You are saved because your thoughts and actions have reached a certain level, and then you did the right thing at the right time. Now that the media is so hot, live broadcasts and small videos are so hot, there is an opportunity on the Internet. Once someone succeeds, they can be copied quickly 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 realize cash. This is the fan economy.
There are many ways to solve the problem of monthly income. One person thinks that there is no model to learn from. If a group of people are thinking about it, the opportunities will become more. If you add successful practices, the energy will be even greater!
Hope to solve the above four problems began to appear, life began to have a new direction, and the rest was hard work and persistence!
First, people who want to get into debt quagmire should not lose confidence and forget the meaning of life because they have no money; No matter what you do, be virtuous!
Don't give up on yourself
Money can be paid back slowly, but people can't be without fighting spirit!