I have debts, and they are quite a lot, more than 1 million. As a woman working in the system, these debts weigh me down. Now I am in the process of being debt-collected.

In January 2021, I was almost completely overdue. The reason why I use the word "almost" is because there is still one bank that I don't dare to overdue on my credit card, because my salary is paid through this bank. Let me show you my debt situation:

Now I don’t dare to answer my cell phone. Every debt collector will try their best to trick you into paying back the money. They say you are suspected of fraud, malicious cash-out, etc., and ask you to pay back part of it first. To be honest, if you go in now, you will probably have to pay interest and liquidated damages. Besides, I really don’t have the money to pay back now. So recently I stopped answering the phone, and then called my work directly to collect the money. I also called my colleagues and said that I couldn't be reached. It makes the person who answers the phone at work less annoying. The boss also told me, you have to answer the phone, okay, then I answered the phone, and I told the bank’s debt collector, can I apply for personalized installment? I have the willingness to repay, but my current income is not even the lowest. I can't even afford it. I hope to apply for a longer repayment period, but the bank rejected me and said I didn't meet the requirements. I can only continue to contact the bank to see which bank is willing to accept my installment application, and I will pay it back to whichever bank first!

Repaying debts is a matter of course. With so much money, I don’t know how long I will have to work hard to pay it off [crying]

My personal debt is about 300,000.

I borrowed 68,000 yuan from friends and relatives, and about 70,000 yuan from three credit cards. The others were online loans. There were so many online loans that I couldn’t even figure out how much I owed, because now they are all overdue and the principal has been repaid. I can't afford it, not to mention so much interest and penalty interest. Let's ignore those for now and wait until we have money.

If your credit card or online loan is overdue, there will definitely be collections later.

My credit cards and online loans have been overdue for more than 3 months. I was particularly afraid of overdue payments at first. Originally, I didn’t owe any money to friends or relatives, so the money I borrowed was used to repay the online loans, but it was still not enough. , there is really no way to do it later, if you can't borrow the money, you have to not pay it back, or they will be overdue.

Now that I think about it, I shouldn’t have borrowed money from relatives and friends. I don’t know when I can pay them back, and I haven’t even paid off my online loan and credit card. If you borrow money and repay it, your debt will not be reduced. It is best to stop borrowing money. It is not advisable to use loans to support loans. Overdue collection calls usually start with collection calls, and there are a lot of collection text messages. Dozens of collection calls a day are normal.

Later, some debt collectors will send letters to my home. I am usually not at home, so it will be useless no matter how many they send.

No matter how many calls they made, I never answered them. I set my phone on silent mode. I knew they were calling and texting me, but when I answered their calls, I didn’t know how to communicate. Your own life is a problem, so if you have money to pay them back, it would be best if you just don't answer the phone.

As time goes by, the collection calls gradually decrease, but collection text messages still appear. If you don't have money to pay back, don't bother with them. Just make money with peace of mind. When you have money, you can talk about anything. If you don't have money, it's useless to talk to the debt collectors a lot of reasons.

I have deleted all my online loan APPs so that they are out of sight and out of mind. Otherwise, I would often open them to see how much interest and penalty rates have been increased. This would put more pressure on myself and make me less in the mood for work.

No matter how much money you owe, you should live your own life first and make money with peace of mind. It is useless to think wildly, and there is nothing others can do to help you at this time.

Everything depends on themselves. If they have money, they will pay it back. If they don’t have money, they can’t do anything.

In early 2014, I borrowed 150,000 yuan from Ms. Zhao for a friend. It was agreed that the monthly interest would be 2 cents, the interest would be settled quarterly, and the term would be one year. Since interest is always settled quarterly, Ms. Zhao feels that I am trustworthy and wants me to continue using it after the expiration date. My friend couldn't help but use it for more than four years, and the interest paid exceeded the principal.

It was this loan that finally ran into difficulties in 2018, because my friend’s capital chain was broken and I was unable to advance the payment myself.

I’m not afraid of making fun of you, but the creditor forced me to borrow money from my family, and I almost couldn’t cope with it.

I think that in a few years, not only did the interest paid on this loan exceed the principal, but I also introduced other businesses to Ms. Zhao during this period, which can be said to have brought her a lot of benefits and benefits. benefit. I can't afford it now. With several years of business cooperation, I hope Ms. Zhao can continue to extend it. I think Ms. Zhao will definitely agree. Unexpectedly, when Ms. Zhao heard that I would be in arrears with the interest for a while, her face, which had been smiling just now, suddenly turned gloomy faster than she could flip through a book, and her voice suddenly rose to a high pitch, and she said sternly: " If you can afford to borrow money, you can repay it with interest. "

I originally wanted to negotiate with her, but I thought, if you really don't agree to owe interest, you can just extend the principal and the interest. You can still continue to pay for another quarter. If you really don't agree, that's okay. I'll just do it. Can you pose a little better?

"Humph!" Ms. Zhao had no room for negotiation, and she answered very decisively: "No, I will give you a week at most, and you must repay the money!"

I can't stand her. That face was even more "yellow" than Huang Shiren's, and I thought to myself, if you don't show mercy, I will delay you on purpose to see what you do to me.

So, I didn’t pay back the money even if I had it, but I wanted to feel how powerful she was in collecting debts.

A week later, I didn’t return it. Seeing that I didn't make any sound, she took her husband to my house that night.

I entertain them like distinguished guests. Her husband is a talkative person, but he has no right to speak. As soon as he opens his mouth, she will scold her husband bloody.

It seems that I really encountered a hard recommendation. Seeing how disrespectful she is to her husband makes me even more disgusted with her behavior. So, I started a protracted battle with her and made two points: first, I hope she won’t forget the benefits she has received over the past few years; second, I hope she will understand the difficulties I am facing. At the same time, I would like to express my attitude and point of view: the money must be repaid, but it will take at least three months.

Nvtu Zhao felt like a nail had been hammered into her butt. She sat there and refused to leave. She even threatened, "I won't leave until you pay back!"

I said: " If you don’t leave, I won’t chase you away. My house is spacious, with a place to sit, a place to stand, and a place to sleep. I have water when I’m thirsty and food when I’m hungry, but I have no money.”

She said: "If you don't give me money, from tomorrow on, I will follow you wherever you go."

I said: "Even if you give me money, I don't want it. Money I will definitely give it back to you, but not today or tomorrow. If you insist on holding me back, I will stay with you until the end to see who can afford it."

Although she is a shrew, she will give it back to you. Her husband suppressed her very hard, but he couldn't talk to me, quarrel with me, or scold me. At two o'clock in the night, she angrily scolded her husband: "Let's go! It's no use calling you together!" Then, she slammed the door and left.

I think if she is still arrogant and unreasonable tomorrow, I will continue to spend time with her. If she doesn't come, I will pay her back tens of thousands the day after tomorrow.

Sure enough, he didn’t come the next day. So, on the third day, I took the initiative to pay back 30,000 yuan. If she doesn't ask for anything else, I plan to pay back another 20,000 that night. Plan to pay it all back within ten days.

At noon on the third day, I first paid back the 30,000 yuan. She thought it was less. I made it clear to her my repayment method. If there is no pressing demand, I will pay it back within ten days. If there is a pressing need, I will pay it back whenever I want.

After saying this, she no longer pressed her. She wanted to return it to her on the tenth day, but she thought why should she have the same experience as a woman like her? So, on the fifth day, I simply returned them all to her.

Her husband explained with a smile: "I'm sorry for hurrying you up. However, after cutting down the old tree, I forced the old bird to scream, and when it's over, you can be quieter."

”

Ms. Zhao was so angry that her eyes bulged, and she replied to her husband: “You are the old man!” "However, after seeing that the money was received, she did not beat her husband again.

I have been in debt, and I have also had the experience of receiving more than a dozen calls every day, and even sending letters to my home. In fact, sometimes when it comes to debt, You have to face it bravely. There is no shame in it. Whether you spend money for fun, start a business, or otherwise, people will make mistakes. The important thing is not to make mistakes again and again. , although they will blame you for your mistakes, they will also tolerate you. Only if you confess yourself will the harm to them be minimized. Don't wait until Cui Shou tells your family, which will be more harmful.

In the first year after graduating from college, I worked as an intern in a decoration company. I felt that I was finally making money. I wanted to prove myself eagerly, so I used my credit card to buy an jade bracelet for my mother. I didn’t know if it was true or not at the time. I was very excited. I planned how much money I would repay each month, but in the second month, I was plotted by the company's old designer and was sent to the construction site to guard customers. Half of the customer commission was given to the old designer. Life was very difficult. I later resigned and found a new job. The job of a home decoration designer was very difficult during the internship period. The monthly salary was 800 yuan. It was the off-season and I couldn't see a single customer for a month. Later, my credit card kept being overdue and I was very depressed. I clearly remember the state of mind at that time. Fortunately, it was sad. The days have passed, and finally I don’t have to get out of the whirlpool of money. Life is beautiful, go ahead and cherish it

I don’t understand that many people live in debt. Apart from having a mortgage, I just like to live a stable life. A down-to-earth little life, no pretense, no matter how much you can do, so much debt, and one day it will collapse, making you so passive. Money is an external thing, but it really can’t be done without money. Without money, you may really starve to death. So, don’t panic if you have food in hand!

At present, I still have debts, and I have paid off a lot. When I was young and ignorant, I once took out credit card online loans, which totaled 70,000 to 800,000 yuan. But it’s also a lot of pressure for me, who doesn’t have a stable job in a third-tier city. The investment invitation was overdue for nearly a year. When I open my eyes every morning, all I can think of is that it’s time to pay off the debt. I feel that in my life, The most rare thing is that you owe something. You can't make up for it, but you have to go through your own life. At present, the debt is almost exchanged. Every time you watch "The Shawshank Redemption", you have a new feeling. , "In my heart, there is a place that cannot be locked, and that place is called hope." I also advise everyone to consume rationally, and I also advise people in debt not to give up our original dreams because of the pressure of life. hope.

I have no debts, but I have experienced debt demands. Every year when the Chinese New Year is approaching, I am always asked for debts...

This matter Let’s start with my family. When I was a child, our family planted a lot of land. In addition to the crops, our family also planted a lot of ginger. At that time, every household would plant a lot of ginger, and they all relied on selling ginger. To make money, when the ginger is harvested, people will sell it to people who come to collect ginger, or they can share a car with their neighbors and take it to other places for wholesale and retail. In this way, they will make more money

So there are many people selling ginger there, but growing ginger is very troublesome and requires a lot of investment, such as fertilizer money, plowing money, harrowing money, ginger mother money, medicine money, Labor costs, etc., after all these calculations, a lot of money is invested in one acre of land, but it does not mean that you can make money by investing, and sometimes you will lose a lot of money, such as ginger plague, which is the most common disease of ginger, and it is also the disease that makes people suffer. The disease that people are most afraid of is that it is very contagious and cannot be cured. If the ginger in someone’s field gets this disease, then their harvest will be miserable this year, and they will not be able to sell it for money, and they may even lose money. A lot of money, our family has experienced it many times

Having said that, although the planting failed, the investment in every acre of land is there! It means that we didn’t make any money this year, but we still had to spend a lot of investment money. Moreover, the things we needed for farming at that time were all on credit, so every Chinese New Year was the time when we were asked for debts. Our family is like this. Every Chinese New Year, many people come to our house to ask for debts. Because the Chinese New Year is coming, every family needs money, so the days leading up to the Chinese New Year are also the time when the most debts are asked for. Sometimes we pay them in the morning. Before I get up, debtors come and they can stay for a long time. Sometimes one person doesn't leave and another one comes again, which is very annoying to watch. Seeing them coming, my parents can only save some for the New Year. In addition to money, rich people will give it to them. Sometimes they really can’t give it if they don’t have it. My parents just keep saying good things to people and smiling with them.

Whenever someone comes to our house to ask for debt, I am very unhappy. I hate that they come to our house to ask for debt, because they talk very unpleasantly and show all kinds of expressions. I see that I When my parents said nice words and smiled to them like that, I felt very uncomfortable. At that time, I was thinking that when I grow up, I must make money to help my parents repay them and prevent them from taking on debt! Don’t let debt collectors come to our house again

Maybe it’s because I’ve experienced something like this since I was a child. When I grew up, I was still very sensible about my economic outlook on consumption, whether it was shopping, consuming or doing anything else. , I never consume blindly, I will consume reasonably within the scope of my financial ability, and I don’t want to let myself go into debt! Not to mention overdrafting your credit, using a large number of credit cards, so that you can be happy for a while but have to live a life of flesh and blood every month!

The debt collection I encountered was more of psychological pressure, such as the following situations:

1. Reasonable type

You have to be trustworthy and do the right thing. Business must be trustworthy, otherwise the business will not do well. When doing things, you must first be a good person. If you don't keep your trust, people will not be able to do business. To be honest, I understand these principles, and I also understand them. I have read books. The reality is what to do if you don’t have money. I tried hard to save money and make profits, but it was just a drop in the bucket. I can only listen to your long-winded moral lessons while saying all the nice things. By the way, if you have time, I would be very grateful if you could tell those big guys about these courses. My arms couldn't twist my thighs, so my tiny arms were broken by those sanctimonious thighs.

2. Complaint type

My mother is sick, my children have to go to school, my car insurance has expired, and I am in urgent need of money. Nowadays, shipping costs are so low that I don’t even dare to stay in hotels. I sleep in the car every day and cook my own meals. It's hard to maintain a car, and it's hard for drivers to earn some money. Just pay my freight. I'm sorry, I'm really sorry. I know all these situations and even feel the same. Every time I answered the phone, I felt miserable for a long time, hating my own powerlessness and hating the original sin that had harmed me.

3. Perseverance

One phone call in the morning and one in the afternoon, with several WeChat messages in between.

I haven't forgotten, I remember the money I owe you, every bit of it. I was speechless when I answered the phone, and I was unable to reply to messages. I'm here, I didn't run away, I remembered to be here, I don't default on my debts, I really can't change my mind for the time being, give me some time, I'll try to earn some money to pay you back, I'm sorry

4. Door-to-door meeting type

You can find me by phone, you can find me by WeChat, or you can just come and visit me. It’s just that I don’t think it’s necessary. If you can wait for money by visiting, I really welcome everyone to come and sit down, drink a glass of water, and rest for a while. Perhaps in the current social environment, people feel that door-to-door meetings are more effective. Maybe, it may be that phone calls and WeChat messages always feel illusory, but meeting in person is real.

5. Verbal abuse type

I **your mother, you liar, you profiteer, your fucking X... Okay, it’s okay, admit it, I owe you money Even if you scold me a few times and I have nothing to say, I won’t say anything back. The fault is indeed mine, and I will answer the phone calls. Bear with it, after all, I have done it before.

6. Verbal threats

Believe it or not, I will beat you. We have dozens of drivers in our team. Do we have to look bad? How can I put it this way? I can only bear the beating because I owe you money. I just want you not to be beaten to death so that I can continue to work and earn money. The insurance has also expired, and I won’t be able to pay compensation if I’m beaten to death. If you really want to take action, there's no way, and I won't let the bill go without a beating. I will pay you back, even if you beat me up.

7. Platform complaint type

In our industry, there is a platform called Yunmanman. We use this platform to find drivers to transport goods. So some drivers would complain on the platform and close my account. This trick is indeed more fatal, and all the people who eat from the account will be gone. To be honest, it does nothing except make me feel more miserable and make money more difficult. Speaking of this platform, it is also a typical treachery. It is a standard bitch who still wants to build a chastity memorial. Therefore, in this society, the more it talks about morality and trust, the more unreliable it is.

8. Use force to fight

I will block your customer's door, and I will withhold your customer's goods. This is the most cruel trick, especially for customers during the contract period. Customers will definitely put pressure on us to solve the problem. If I want to continue doing this customer's business, I have to solve it. The current situation is that if it goes bankrupt and the business is gone, what else can we do? This kind of gameplay was also the mastermind behind pushing me into the trap.

The fault of everything is that I owe you money

The reason why I owe you money is because I was deceived and suffered heavy losses

Because I suffered heavy losses , I accidentally continued to implicate you

I implicate you, causing your reputation to become worse and worse, and it became more and more difficult to do business

It became more and more difficult to do business, and the dilemma before you was It’s even harder to break

Now it’s fine. It’s closed down. I have to find a job. I’m counting on a salary of several thousand yuan. I don’t know when this hole will be filled.

Sorry, no matter Whatever you did to me, I have nothing to say until I pay off your debt

I’m sorry, it’s what happened to me that caused you all

I’m sorry, I don’t default on my debts , but the debt repayment process is too difficult and bumpy, and it’s a bit slow.

In 2015, I also had a lot of credit cards, Alipay, and online loans, more than a dozen, which totaled more than 100,000 yuan. They were all caused by gambling. After death, I have experienced being in a state of poverty and helplessness. As long as I bear the responsibility and pay it back slowly, when I have money, I will pay it back one by one. Don't pay back a little bit, or else I will never get enough interest. I hope that friends will never take out a loan. Online loans with extremely high interest rates are harmful to people. Also, don’t go gambling. Gambling will cause families to be separated and the elderly to have no peace.