First of all, according to my method, you should list the debt of each credit card and how much money you can take out every month to negotiate with the bank. Once the negotiation is successful, it must not be overdue. If it is overdue, it will be repaid in one lump sum.
Secondly, you can seek the help of your family to reduce your repayment pressure. If you owe less, you can negotiate with the bank to repay the principal in one lump sum. It is best to ensure that one or two credit cards are not overdue and can still be used normally. In particular, once the negotiation stops, the credit card cannot be used, and the credit investigation will be resumed five years after you pay off the debt.
Third, online lending depends on the situation. If it is a cash belt contained in a credit card, such as dream money, consumer finance and so on. It is the same as a credit card. You can choose to stop paying the principal or postpone the one-time repayment for one to three years.
Online loans on various apps, the loan interest rate is legal and illegal. Simple, print your own credit report. If it is on the list, it is usually legal. If not, it is illegal and legal. Online loan, if there is still money to negotiate online loan after negotiating credit card arrears, negotiate. If you have no money for the time being, don't worry. When you have money, negotiate a one-time repayment of the principal. If it is illegal, you can not pay it back, or you can wait until the money comes to negotiate and repay the principal in one lump sum.
Fourth, regarding collection, credit cards and online loans will inevitably face collection after they are overdue. If the credit card collection comes from the bank, be sure to answer it. After the overdue period, about three months is the craziest collection. I'll call you. Your emergency contact will only give you pressure. In general, you should ignore it. If you want to answer, make a record. If you don't want to answer, you can ignore it. The longer the overdue time, the better the one-time repayment through negotiation. It turns out that the collection will add you to WeChat, and then pretend to be a staff member of a state organ and ask you to repay. Once they break the law, you can complain to 12378, directly to the official online loan phone number, or on the black cat. The collection will also send you a message saying that you have been put on file, you have to go to the door, you have to pay the door-to-door fee and so on. These are just their usual collection methods, so ignore them. Credit card negotiation should follow the method I told you. When the issuing bank calls you, be sure to ask the job number clearly and make a recording. Some card-issuing banks just call you to inform you of the negotiation results, and will prompt you by SMS after success. Others need you to fill out an electronic form and send it back or take photos on WeChat.
Finally, overdue must be caused by your bad habits. You must cut costs from the source and build confidence. Not much. It will be paid off in three or four years. Don't use loans to support loans, otherwise it will eventually increase. Do a good job and learn some other skills to increase your income if you have time. I know a guy who usually manages takeout in his spare time and earns two or three hundred dollars a day, which can alleviate some repayment pressure.
Finally, in any case, you must have the confidence to overcome difficulties and don't let your family worry about your debts. People are accessible. If you don't understand, please see my previous question and answer, which is more detailed. I hope to adopt. Let's go
I haven't landed yet I am in pain. However, I suggest that you return the credit card first, then the online loan for credit investigation, and finally don't collect credit. Come on [shake hands]
First of all, at this time, what you have to consider is not whether you will go to collect credit. You have to write down all kinds of loan debts first, and how much is each principal.
200,000 is not a small sum. I don't know what your family conditions are. If you are an ordinary migrant worker, I suggest you talk to the bank credit card center first, stop paying the bill and don't refuse to answer the phone.
The same is true of online loans. Many online loans will say, don't be afraid. You tell them that I owe the bank hundreds of thousands now, which has been enforced and the bank card money has been frozen. I can't pay you back now. I can't pay you back until the bank pays you back.
If they don't agree, let them go After all, it is most important for credit cards to talk about staging slowly.
The means of online lending are all the same, bursting the address book, making invincible calls and threatening you. In addition to the credit card center phone, you can also set it up.
Never support a loan with a loan, never, work hard, pay back the credit card in installments on time and live a good life.
Don't think about anything, making money is as simple as that.
Return it slowly
Try to make money and go ashore slowly.
No need to return it. As long as no one in the court is looking for you, you need not be afraid.