First of all, I want to explain to you: If you are not even afraid of death, what are you afraid of? Life, life, you are born to live a better life, only by living can you have hope!

As for being unable to repay overdue, then simply negotiate with them and divide them into several situations:

1. Bank loans, such as house loans, car loans, etc., must be repaid in principle. So you can only explain the situation to the bank and work hard to make money to repay it, otherwise your house and car may really be taken away from you.

2. Credit card: You can negotiate to suspend the interest rate and pay the debt in installments when you have money. As long as you are willing to repay and are really working hard to repay (no matter how much), there will be no problem.

3. Small loans and online loans: For those whose collection is not excessive and does not affect your normal life, be honest and work hard to make money. You will still have to pay it back if you can. Even if it is divided into several years. For those companies that violently collect debts, use insults and threats, and have seriously affected their lives, simply ignore them. Why bother with them when they don't even get what they deserve?

In short, in this current situation, it is estimated that your family and friends have already helped you as much as they can, and the rest is that they just want to stay away from you, but you must firmly believe in one thing: only if you are alive can you have hope! Don’t be afraid of getting hurt, let alone lose face (you’ve lost all your face, do you still need a face number?) Find a job, use your talents, and work hard to make money. Don’t let down your family and friends who helped you in times of crisis and let them live in poverty. If you know it, it will be your biggest loss!

I know that it is easier said than done. No matter how difficult it is, you have to do it. You have to walk the road by yourself, and you have to go on gritting your teeth~

Finally, I would like to send you a final message: A good man will examine himself, but a coward will always blame others~

p>

I was scared to death before it was overdue, but I persisted after it was overdue. Finally, my mentality changed and I worked hard to make money!

Forced to go ashore. You will never be able to go ashore if you don’t exceed the deadline. You will only get deeper and deeper. Be honest with your family!

Death only requires a moment of courage;

Life requires a lifetime of courage!

I am struggling to get ashore, please encourage me!

When you pay a debt, owe money, or take out a loan, and you can’t pay it back, don’t ever think of death. If you live shamelessly, the bank will pursue you again, or break your cell phone, even if you break it, and ask for money. No, it's life-threatening. The bank wants to collect debts, sue, and go to jail. Just let it be. There is no way to solve the problem of money. Money is hard goods. A penny can't kill a hero. So many arrears force me to be helpless. There is still a way to go. In the eyes of the bankers, he is no longer a hero, but a pile of mud that has not been supported on the wall [cover face] [cover face] Let's figure it out.

First of all, let me comfort you with a poem by the British romantic poet Shelley. If winter has come, can spring be far behind?

If you have already expired, will the mandatory appointment of No. 1 be far behind?

The loan crisis of the past few years has completely erupted in the past two years, and the liquidation of various online loan platforms has been completed. Major banks have reduced credit card limits, tightened loan conditions, and liquidated P2P, which have brought huge difficulties to personal financing. Loans to support loans have become a thing of the past. In fact, this is a good thing. To cure the poison, one must have the courage and determination of a strong man to cut off his wrist.

It is not a terrible thing to have a loan that is completely overdue. It can only be said to be a pity. In the past, we did not have the concept of financial management, or we failed to manage property or invest, or we are not making money now. It was all temporary. difficulty. It will definitely not affect our lack of appreciation for life. Life is precious, but love is even more valuable.

On the road to loan overdue, always remember that you are not alone, but there is a group of people who are struggling to see who can get out of the quagmire first, who has the courage to persist to the end, and who can earn it first. The money was forced to land. But what I want to say is that we must never admit defeat on our own, surrender voluntarily, and we must never give up at will. Only by persisting can there be hope. Now that we have seniors and juniors, we don’t dare to do anything impulsive.

The new laws and regulations have been improved. In the future, banks will not be able to entrust third parties to collect debts or divulge address books. We can't even come to threaten them with taxes. All of them are listed as targets for cracking down on gangs and evil. So you don’t have to worry about collectors threatening you, and you can have a buffer time to earn money and repay with peace of mind.

Moreover, from August 20, 2020, loan disputes and various disputes, including private loans between private individuals, are only protected by law with a maximum interest rate of 15%. Is this hope and the greatest good news?

I am Mr. Huang from Haike Rongtong. After reading your question, I feel very sad and understand that among my customer base, you are actually neither the unluckiest nor the worst. Let me give you some ideas.

1: Online loans and credit cards will inflate your desires, and you will end up living your life by hand when you could have saved. led to the current situation. Now that it has been formed, the only way out is to cut sources and open up flows.

2: Faced with so many overdue debts, I am not trying to scare you. You are not at the worst yet. The next three debt collection axes will destroy your will. Don’t talk about your wife, they will protect you. Address book.

3: I want to tell you that if you violently collect debts now, they can’t do anything to you, they can only scare you.

4: The fact has been established. You have reduced the loss to a minimum. The correct way is to deal with it, negotiate to suspend interest rates and suspend debts, release online loans, etc. Follow the process for 3-5 years to come out and become a new me.

5: The most important thing is that you have confidence. Confidence is more important than gold. If you don’t have confidence yourself, others can’t help you.

Come on, friends.

When there are no difficulties in life, you should be courageous. It is not terrible to be overdue, but you are afraid that you cannot overcome your own heart. Be direct and magnanimous in your life and do things, and don't care too much about what others think of you

I am also overdue this year, but I borrowed an online loan. I maintained the card for more than half a year in advance. I also made my own address book. Recently, online loan companies have been saying that they will come to me to ask for money. If he doesn't pay, he will let me disappear. I also told him very firmly that he would either pay back half of the principal or lose everything. If he didn't agree, then I really wouldn't pay back the money because I had no choice but to pay them the interest. Too high.

Actually, it’s okay, buddy. This may be the most difficult time in life. Just get through it. Don’t think about other things. He can do whatever he wants. It’s impossible to control everything. .

4785866685555888

855555566555555

4855225665555955

When it comes to housing loans and car loans, our generation is the second generation with negative consequences. No one is better than you. Wherever you go, you are living a difficult life. You must have the courage to face life. It is easy to die, but not easy to live. Our parents gave us life, how can we give up so easily? Be calm, find someone reliable, and make a comeback in life. It means ups and downs. Have you seen our electrocardiogram? It all has ups and downs. If there is just one line, the person will die.

Brother, I understand your situation. I also have 7 credit cards with a limit of more than 200,000 yuan. I have to pay for the maintenance of the west wall. In addition, I also have some online loans. The monthly interest is nearly 3,000 yuan. If someone lends you a sum of money, it would be best to pay off everything except the mortgage, leaving only living expenses and mortgage repayments every month, but unfortunately there is no such thing. So we can only persist. Those who say that if you work hard to make money, it is not terrible to be overdue, they do not understand the situation at all. After one overdue period, you will no longer have the ability to maintain your life, and you will not be able to maintain your life normally. People who are under great mental pressure will have nightmares every day. It's the end of the year, and some of my colleagues are urging me to repay the money. I was defrauded of the money I owed when I took out a loan to start a business. Last year, the epidemic got worse and worse. If I were you, I would mortgage the house with an offline institution, take out a second mortgage, and then pay off the credit cards and other online loans. I should not increase the debt for at least half a year, reduce the number of credit cards, and try not to let my wife spend any more money. , the second mortgage loan should be enough for you to last for more than half a year, so go ashore slowly. It is too difficult to borrow money from acquaintances now. Let’s work together and come on.

Now may be the most difficult period for you, but it is also A turning point, an opportunity to put aside the past and face reality.

To be honest, when you are crazy about applying for credit cards, your ending is already doomed. Your income will be slowly eaten away by interest. There is no such thing as getting rich overnight. The capital chain will be cut off just one day sooner or later. one day.

At this point, the most important thing is to give up, give up all the things and ambitions that you are not qualified to have, including:

For others, just try to find ways to deal with them.

First, leave if you want, and don’t take out a loan in the next life.

Second, work hard to live, and if you are overdue and have no money, just ignore him, do whatever you want!