Many people have a big misunderstanding about overdue. They think that he often has one or two dollars left every month or every day, which proves that he has the ability and willingness to repay. Is it that simple? If that's what you think, I'll apply for1000000, and pay it back every month1000. I'll pay until I die. This proves that I have the will to repay, so you can't sue me. This is a wrong operation and a great criticism.
Some time ago, a bank in Guangzhou sued me because my credit card was overdue for too long and I didn't repay it. Communicate with me halfway to negotiate the repayment, but I can't negotiate the amount. The line I owe to Guangzhou Bank is 6000 yuan, because it is more than three years overdue, and I haven't paid it back after it is overdue except for a few months ago.
Because of the great changes in the economy, not all people want to do this, because they owe money, but they can't live and solve their lives, so they can't repay it. On the way, the bank negotiated with me, and they told me to repay 2 1 0,000 yuan in installments and return it to the bank. I came to you at that time, and the interest rose to 2 1 000 in just three years. I was not in the mood.
Later, he often called me and said that he could divide me into 36 installments, and I would pay back a little every month, as long as I paid off the account. I was very angry at that time, so I scolded him and said some dirty words. He was still guiding me to say that it was impossible to repay. Later, they took me to court through this voice, saying that I didn't pay back at all.
When I received a subpoena and went to the court for investigation, I thought it was for the benefit of a third party or a fake ticket sent by a collection company. I didn't sign it. I sent another one every few days. The postal courier clearly told me that this was a summons from the court, and he said that I should sign it myself, otherwise I refused. I said on the other end of the phone that I didn't want it, so I didn't know that the court would issue a judgment later.
Until one day, there were hundreds of dollars left in my bank card, which was suddenly deducted. Those hundreds of dollars are my living expenses. Later, the bank that gave me the deposit called and asked, why is my money gone? I didn't deduct money from any bank, and the bank said it would be implemented. I asked him what unit he worked for, but he didn't reply to my bank. He said that this is a capable executive unit. He revealed to me that it was probably the court or the police station. Only then did I know that it was a bit serious. I think I doubt that I am really accused.
Later, I searched my name online. Later, I found out, oh, my god, I was really enforced, showing that I deducted more than 2,000 yuan, while my bank only had a few hundred dollars. How to deduct more than 2000 yuan? I really didn't understand it until one day when I used my social security card to brush some medicine, I found that there was no dime in it.
It turned out that he deducted my social security card and bank card. Later, I checked the verdict online and found that I was only sentenced to repay the principal plus a little interest. When I saw this, I thought I could accept it. Then I contacted the bank and told him how to pay it back. You tell him I should contact their lawyer.
When I called my lawyer for the first time 1, I was asked to add his WeChat. On WeChat, the lawyer made it clear that only he can cancel the execution of this order, so you have to pay back the money shown above. I asked him how much he needed to pay back. He showed me the execution form, the amount is 6500 yuan, the principal is 6000 yuan plus interest 500 yuan. I said it was acceptable, and later he said, because you haven't paid back the money these months. It's been more than half a year since the verdict, so you have to pay 500 yuan interest here. Later, I said it doesn't matter, ok.
Lawyers are easy to talk to. He asked me if I wanted to repay the loan in installments. I asked him how many installments he could divide. He said that you can choose 12 and 24 installments, with a maximum of 24 installments, but if you want to repay 1 installment, I asked him if he could cancel the untrustworthy list immediately after repayment.
The lawyer said that as long as the account is paid, it can be dissolved. I told my lawyer it was unnecessary, so I just returned it. That's it. I repaid the defendant's bank.
However, it's not as simple as I thought, and it's still in the foreseeable future, because I have already repaid the loan and the bank has cancelled my credit card.
He no longer manages my affairs with great interest. I asked him to help me delete the untrustworthy list. He said wait a minute. Later, he directly deleted my WeChat. I think this kind of person really has no morality at all. He finished his career and then left you alone.
Later, after I learned more about it, I called the court. With the help of the court, I contacted the recorder on duty at that time, that is, the clerk. He said that I have to pay an execution fee of 188 for this order. Later, I paid according to his wishes, and then the list of broken promises was lifted within a week.
After this incident, I found that many things will only be beneficial to us victims if we go through the court. If my order is not decided by the court, I need to negotiate with them to repay 2 1 000 yuan. After the court's decision, I only need to pay back 7,000 yuan, so no matter which company is behind me, as long as you sue me or talk to me about repaying the principal, I will pay back, because I have already done so.
For example, if I haven't paid back my online loan yet, it doesn't really matter what I should do in my life. I was sued by the court. As long as you actively pay your debts, it doesn't matter much, because after the deadline, face is not very important. The important thing is that life and life can't go on, let alone how to pay back the money.
Nothing, there are many such people now, and it is estimated that there are hundreds of millions. In addition to the elderly and children, think about a lot around us. Everyone is living a normal life, and of course they have to bear the harassment of collection in private. The old nonsense is right: everyone is in debt, which means no one is in debt [covering his face]
If it is less than 50,000 yuan, it will be tortured at most, but there will be no criminal responsibility, but there must be repayment behavior, even if each platform only pays one yuan, it is not fraud.
Although it may be a short time to feel the happiness of getting money without blowing dust, it will eventually let God take it back in another way.
Some people have a good life, and smart people will choose to go bankrupt, run away, cancel the company and so on. Avoid arrears in a conventional way; Someone committed suicide because of online loan collection.
As long as you touch the edge of online lending, there will be troubles that cannot be washed away. Although the online lenders who live in pain choose not to repay, the pain of credit reporting prevents them from buying a car or a house. In fact, this is not the fault of the lender. If online loans don't enter the market, how can so many people lose money because of online loans being cheated? ...
In today's society, online lending has become the norm. If the state does not control it, it will push the lender to the abyss. It is urgent to cancel the online loan. The failure to repay online loans is a reflection and encouragement to the online lending platform. For projects that do not conform to market rules, it is better to quit as soon as possible.
As long as you are mentally strong enough to resist legal means such as collection for more than half a year, and then you may be sued, but you still have no money to pay back. At this time, someone will check it. If it's true that you didn't mean to return it as you said ... then there's really nothing to do. In addition to buying fixed assets through auction ... if you don't have anything like a house to sell to pay off debts, you can only limit the height, because you already have it, and there is nothing else. In short, your attitude must be clear: you have a strong willingness to repay, but you have no money at present! ..... Debt is not terrible, what is terrible is that you have never made money to pay off your debts!
There are many people who owe online loans and credit cards now, and there are many people around them, including myself.
If you owe a loan or credit card, you will call me first. If I don't answer or refuse to answer, I will contact my relatives and friends in the address book. I've received a lot of calls like this telling me.
It took a long time to return it. First of all, credit may be hacked, and some online lending companies or banks will sue and be restricted from high consumption.
Long-term arrears are blacklisted, right?
A virtuous circle is right. If it leads to malignancy, it is right to find a way in time.
Those who owe online loans are harassed. Those who owe small loans are harassed! Credit card arrears have been harassed! Besides, I was also harassed by this question you asked!
The feeling that life is worse than death! The point is that you can't die. If you die, you will really default! I don't want to break the contract, but I can't do it yet, I can only suffer!
There are only two outcomes. One is that I can't stand the pressure from all sides and choose to escape and go to extremes. The other is that you have strong psychological endurance and dare to face nothing in the end. In short, we should focus on taking corrective measures in this regard, otherwise it will become more and more serious, and give every debtor a chance, especially those who have never evaded their debts and have a strong willingness to repay. As for illegal platform institutions such as online loans, it is recommended to close them all as soon as possible and severely crack down on and rectify their illegal acts and violent collection.
There is a saying that will never go out of date, the courageous will swell to death, and the timid will starve to death! !
There are two kinds of money owed:
First, the money owed to the credit card Alipay. There is no escape from this money. Interest plus penalty interest is quite high after overdue, but repayment can be negotiated. Alipay has a large amount of reduction, while credit card has a small amount of reduction.
Second, it is informal online loans and small loans. As long as you are not afraid to explode the address book, you will come out boldly. Some online lending companies or platforms have already crossed, and there is no channel without thinking. To tell the truth, two friends around me bought two houses on 17 18 through online loans, and now they have appreciated.