When you are heavily in debt, you can only get by without paying back the money first.

If I have experienced all the collection methods, I will tell you something.

Whether it is online loans or credit cards, their ultimate goal is to ask for money. As for which one to return first, we will negotiate slowly to see if we can reduce it. If you don't reduce it, you won't wait for prosecution.

I had a debt of more than 400 thousand before, and I paid it off in one year.

The online loan was not paid back, and the credit card began to pay back its own credit. Later, the interest was too high and it was not paid back. I worked hard to make money and went ashore to do sideline business.

Later, it was all solved once and for all, and which one was willing to negotiate for relief. In this way, in addition to the loss of credit information, the money has not been returned, and a lot of interest has been reduced.

The cause of heavy debt was initially eliminated. Later, you will find that it is all for the benefit.

Therefore, if you don't pay back your debts, don't lose face.

Give up everything to make money, only when you make money.

Quiet community, our people's financial community.

Although meditation has not personally experienced the plight of debt, meditation can give you some advice from the perspective of financial management, hoping to help you.

If you owe money to many people (two or more), and the amount of money owed to everyone is different, then you can try to pay back those who owe less money first.

For example, you owe money to several people, some hundreds, some thousands and some tens of thousands. Then give priority to those who owe hundreds, then those who owe thousands and finally those who owe tens of thousands.

The advantage of this is that you can reduce the number of creditors, thus reducing the number of times you deal with creditors. The time and energy saved can be invested in making money or dealing with big creditors.

If you owe money not only to your relatives and friends, but also to banks and even various private loans, then you should give priority to those that are more urgent.

If there is private lending, it should be repaid as soon as possible. Otherwise, they will use all kinds of hidden means to collect debts. This will have a great impact on you and your family, and even cause harm.

If you still owe the bank money, you can try to negotiate with them. Try to solve the problem by extending the repayment time or reducing the amount of each repayment. Generally speaking, banks will be more accommodating than private lending. As long as you tell the bank to continue to repay the loan, the bank will agree.

If you owe money to your relatives and friends, it may be your best buffer time. As long as you tell them clearly about your situation and make it clear that you will definitely pay back the money, they will basically understand. Of course, if relatives and friends at home have something to do, such as someone being hospitalized, they need money urgently. Then this situation is also more urgent, or pay back the money first.

That's about it. I hope I can help you.

I also hope you can refuel, and the predicament will eventually pass.

I am Jingxin (ID: Jingxinshequ), single, like financial management, and focus on fixed fund investment.

Hello, I am in debt, too.

The repayment order depends on what kind of loan you have. You can communicate with your relatives and friends about their money first. If people are in a hurry to use money, pay it back quickly, because people lend it to you because relatives and friends trust you. If they are not in a hurry, they can put it aside first. If they have it, they'd better return it at once. Don't do it piecemeal, it will make people feel that the whole village will accept it. Even if it is paid back, it will be difficult to borrow money next time.

Others, such as banks and online loans, should be divided into the following categories, depending on their own abilities, and try to ensure that mortgage loans are in the first place. You can sell a car if you have a lot of car loans (I will sell it, so it will be much easier). For credit cards, you can apply for installment first, or find a replacement card, which costs a lot, depending on how many credit cards you have. Online loans can be put at the end, but they must be returned. You should also answer their calls and communicate with them. Although the communication effect is not very good, it may still be effective. As for the problem of exploding the address book, communicate with friends and relatives in your address book and you will generally understand.

This is how I look at my repayment order. I wonder if it will help you.

This question, we are professional, share it.

This question is very simple, and I understand their answers, but I feel that I have missed the point.

There are multiple responsibilities, and the repayment order is: the debt with interest first, and then the debt without interest.

Why, the debt thing, or the loan thing, is because the gap is getting bigger and bigger, because the principal and interest have to be repaid, and there may be late fees and penalty interest; Therefore, if you have multiple debts, the first is the debt with interest, and the first task is to plug the loopholes in the debt and prevent the debt from expanding. Even if you can't repay in full, you should communicate with the borrower whether you can stop paying and discuss the repayment rhythm.

Then, under the condition that the debt scale does not increase, further arrangements are made for gradual repayment. At this time, in order to balance the relationship among many creditors, each creditor may have to repay part of it on schedule, instead of paying one first and then another. This is definitely unacceptable.

Therefore, in fact, it is very simple, first control the debt scale, and then repay it one after another. It's not that complicated. Welcome to discuss and communicate.

We gamble for money, and then gamble for debt. If the former is ignorant, then the latter is really sad. However, no matter which way, it is a point of no return. I understand that for those of us who are heavily in debt, the psychological pressure must be particularly great, even facing all kinds of fierce pressure of collection and living expenses. None of us want to live this life. No matter what caused today's situation, since it has reached this point, there is no need to spend more time to pursue the past. Now that we have made mistakes, I believe everyone will reflect on the mistakes we made in the past, and all want to pay off the debts as soon as possible, and all want to turn over in the morning, or make a comeback, or be more brilliant. I believe that those of us who have experienced debt difficulties can better understand the warmth and coldness of human feelings and the indifference of the world, and can be stronger to reform and correct mistakes.

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But in order to solve the debt and get out of the debt quagmire, we must first calm down and sort out the debt rationally and truly. This is the first step to solve our debt, followed by changing our thinking and state. So today, I will share with you a case about debt planning that I saw on the Internet, hoping to help and inspire you.

20 16 years, when I had nothing, I was in debt of more than 600 thousand, and my family could no longer help me. I went to Guangzhou from my hometown. The first thing I did after I settled in Guangzhou was to make a list of all my debts, and then sort out and plan them.

The first is all kinds of small loans. At that time, I sorted out eight small loans in my name. These small loans were all borrowed at the end of 20 15 when there was no way. At that time, I was still raising loans with loans. These small loans are all in stages, some are 36, some are 24, and the shortest is 12, but the interest paid is also terrible. By April of 20 16, I had no money, and I couldn't afford it at all. I no longer want to support loans with loans. I am really tired. So from 2065438+June 2006, I forgot all about small loans, and then a large number of overdue loans appeared one after another. Finally, it was collected at the beginning. They used almost all means except door-to-door, but I only had one attitude. I answered the phone and said I would pay back the money. It's just that I needed time, and I didn't complain about their legal collection, because I was not in the mood at that time. Let them be free. I have an attitude: I really have no money to pay back now. You can pay back whatever you want, because I know I just can't pay back the money, at least I won't die, or I'm not afraid of death. I'm afraid of debt. Later, there were fewer and fewer calls for collection of these small loans. When I listed the load tables of these small loans, I found many problems? Because the original contract disappeared, many unreasonable and illegal places were found? For example, beheading interest, I obviously get 50 thousand, and their contract says 80 thousand, and the interest is also high. Most importantly, I have calculated that I have paid off the principal. (Small loan companies will calculate the principal differently. As for reasonable interest, I have no money anyway. After such a long time, I also forgot. So now I basically ignore the small loans above, and they basically don't charge me. By the end of 17, when I had some money, I began to negotiate and bargain with them. They also feel that there is no point in pestering them any more, and they have earned enough from me in the early stage, so most of them only paid back the principal, and some also assumed a very small part of the interest. Therefore, for small loans, it depends on your own contract and how much you have paid back. Is the principal enough? The law protects the principal of the loan, which we should be clear about. If our principal is not enough, small loans can be legally and reasonably charged to us. If the principal offender is enough, it does not involve criminal law, no problem; The final solution is to negotiate to repay the legitimate interest. Of course, if we have money and don't want to be collected, we still have to pay it back. If there is really no money to pay back, we will not only be collected, but also be affected by credit information, and the worst result will involve civil cases. Therefore, for small loans, don't think so terrible, don't be scared, try to earn enough money and negotiate with them to pay it off. Understand the essence of small loan collection: any financial lending company has its own collection department. The collection department of our company is only responsible for some overdue or overdue collections for one month: the so-called M 1. If the customer overdue exceeds M 1 and enters M2, the customer will be marked as a risk customer. In addition to their own collection teams, financial companies will also outsource collection and profit sharing. Outsourcing collection is not good, and it is often violently collected. In the face of small loan collection, if there is really no money to pay back, we should make it clear: we can't support loans with loans, and we can't rob Peter to pay Paul. Just make a firm statement: I have no money to pay back, and I will pay back if I have money. Let them harass. When they think you really have no money and can't squeeze oil and water out of you, they will slowly give up charging you. But you should be prepared for this process. That's how I survived.

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Secondly, there were credit cards. At that time, there were 7 credit cards under my name, and the credit card processing time was the shortest 1 year and the longest was 4 years. By the end of 20 16, my credit card was overdue in a large area, and some of it was overdue for more than 6 months. However, I didn't get sued as tragically as I thought. From the initial overdue to the end of the year, my credit card problem has not been solved. I just distribute my income to each card every month. Although I can't repay in full every month, at least some of them show my willingness to repay to the bank every month. Therefore, we should pay more attention to dealing with overdue credit cards, especially those of the four major state-owned banks. If family, relatives, friends, etc. If you can scrape together enough money, try to pay back the credit card. I know that many people now give their credit cards to others for help and charge a handling fee, but I think there is no stop loss or reduction in your debt. Since we want to solve the debt, we must pay it off and reduce the debt step by step. The principle of handling credit cards is to take the initiative first. Taking the initiative is our only choice. We can't escape, let alone change our mobile phone number, and let the bank find you, which will deepen your bad influence within the bank. Secondly, I want to treat the bank's collection sincerely, tell the truth, don't lie, don't promise if it doesn't work, and try to avoid wrangling with bank staff (except some outsourcing involves violence). In this society, we ordinary people are originally weak, and we are even more worried and powerless about owing money, so we have a good attitude, because if there is a dispute with the bank, people can actually sue us, so don't doubt it. At present, many people who owe money for a long time have not been prosecuted. On the one hand, we have a good attitude, have not lost contact, and face it positively. If we are willing to repay, it will only generate interest and late fees. On the other hand, banks have too many overdue customers with different amounts. For some people with good attitude and willingness to repay, consider the cost of prosecution, or pay us back slowly, and of course bear the late payment fee and interest. Doesn't mean we must be fine, but the bank doesn't want to be so cruel to you. The way I handle the above credit card is: I want to leave a little repayment flow every month, from one hundred to several hundred; Then I concentrate. As long as I have enough money to have a credit card, I will solve one immediately and then close the account. From easy to difficult, from small to large, one by one. If we persist in this way, I believe that the debt will be reduced soon. In addition, take the initiative to contact the bank card customer service every month and tell them that I am working to make money and repay, indicating your wishes, which will give you extra points. You see, there are so many overdue customers, even if you choose some to sue, it may not be your turn, and you are not that bad. This is a temporary hedge. The next step is how to make more money. If you have money, you can go to the bank to negotiate. There is another way to deal with it. According to the regulations of China Banking Regulatory Commission, we have a five-year personalized repayment plan. But many banks will not agree. Think about it, banks have to make money even if they lend financially. If everyone who is overdue has to pay off the account for five years, their bank will lose money. Therefore, it is generally not agreed. I have applied for negotiation in every bank, and none of them agreed. Only two small banks copied 24 issues for me, hundreds a month. Therefore, credit cards are still treated positively, making more money, saving more money, and having money and confidence to negotiate with them; We should also avoid risks in peacetime.

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Finally, private debt, in fact, I have basically paid off the above two debts, and the main debt is owed to individuals. These private debts include my classmates, friends, colleagues and relatives. The biggest advantage of these debts is that there is no interest, no risk of being sued for the time being, and no violent collection. The bad thing is that I am worthless and a loser in the eyes of others. Forget it, just pretend I don't know you, but I must pay back the money. In dealing with these debts, I have a principle: I will take the initiative to contact them, visit their homes, sit down face to face, tell each other frankly about my predicament, tell others my own plans by the way, gain their understanding, and give us time to pay back the money slowly. If you have a small amount, you can collect enough money at one time, or you can agree on how much to pay back a year. Pay it off in a few years? These records plan to let you know. I won't say much about private debt handling here. Everyone is different, but this is the way of thinking.

After talking about so many debts, the main problem at present is that we have no money now. What do we do? The key is to increase revenue and reduce expenditure, make money desperately and save money at ordinary times. The creditor's rights will be paid off one day. We should believe that temporary debt is not the whole of life. We should actively adjust our mentality and work hard, and our debts will be paid off one day. As long as you work hard, the reward will always meet unexpectedly at some point, as if everything is not so late.

1, in order to improve the mortgage loan, it will continue to be a serious problem, and it is best not to apply for a loan without fundamentally solving the problem. 2. The normal repayment order is also for credit reporting, and no credit reporting is required. But everyone's situation is different, and the economic situation is different, so we can't generalize. If my friends really need money, you can still be their. After all, under reasonable circumstances, people who have helped you should not be ignored. The bank's credit card can apply for installment payment, and the monthly repayment pressure is much less. 3. In other online loan products, that is, in data transmission systems that search faster through third parties, such as WeChat platform, it is best to check first. Because of the illegal lending platform, you can complain to the corresponding credit records, and often you can get good suggestions, which can be deleted from a lot of loan interest. As for compliance platforms and online loans, because they are very sensitive products at present, there is a great possibility of negotiation. Even if the interest cannot be reduced, the repayment period can be extended. Although these have solved the fundamental problem, they can solve the current predicament.

In the case of heavy debt, we should decide how to repay it according to our personal situation and income ability. If your income ability can't meet the repayment demand, then you should make money quickly. If the income ability can match a part, then there is a repayment order, which should be solved from the serious point of view, instead of solving the tightening quota first after the credit investigation!