Let's talk about loans first. It depends on whether you have a credit loan or a mortgage loan. In the case of mortgage loan, the bank will auction your collateral and settle the loan in your name.

If it is a credit loan, as long as it is in my true identity, it is basically a civil liability. Unless it involves financial fraud.

New Credit Card Regulation 20 18: Refusing to repay more than 50,000 yuan twice may involve the crime of credit card fraud.

And how to avoid credit card fraud:

1, don't lose contact, tell the collection or the bank about your difficulties and face them correctly.

2. There is repayment. This new rule says that you refuse to repay the loan. Think for yourself. )

Judging from hundreds of overdue credit card cases, the probability of criminal proceedings is only1%; According to the law, who puts forward the proof principle, that is to say, if the bank accuses you of credit card fraud, the bank must prove how you aim at illegal possession. Therefore, it is particularly difficult to obtain evidence. The bank only wants you to pay back the money and does not want you to go to jail. If you go to prison for several years and don't pay back the money at all, what will your income and work be like after you come out? This is even more unknown.

So if the credit card is not particularly large, the bank will negotiate for you to stop paying. The key is that you have to shoulder their collection, and even come to urge you.

But there is a saying that it is only natural to pay back debts.

Try to make money, negotiate debts, face it correctly, and stop using loans to support loans, which is your correct way to land.

I hope my answer will help you?

Some personal suggestions

1. I don't want to hack, I have my own way.

1.65438+

1.2 Loan credit card overdue within 3 months is not a serious violation account, so you need to earn the minimum repayment of all your liabilities within 3 months, or more. This requires you to make more efforts. It should be easy to do. Look at yourself.

2. Face the black households with a calm mind.

2. 1 straighten your mind

Now that it has happened, let's face it positively. If it is best to pay off in a short time, then face it positively. Mark my words, the money owed to the bank will be paid back sooner or later, but what you owe is money, not life. As long as you don't die, one day. Keep a correct attitude and live an active life.

2.2 Planning wealth

After putting your mind right, you must plan your wealth. The first thing is to make money (open source), strive to increase income, plan your spare time well, find a part-time job to spend on living expenses and increase income. The second thing is to make money (reduce expenses). When making money, you can allocate funds reasonably and make a good plan: the money you want to spend in life, the rest can be used for investment to make money, and finally the money you can use for repayment.

2.3 Planning and learning

Remember to daydream at this time, make a plan for yourself, do it according to the plan every day, fill up the time, and don't let yourself have free time to daydream. Just work hard and take action. Arrange time to study every day, learn from positive and excellent people, learn the horizon and pattern, and improve yourself.

2.4 Work hard and stick to it.

All that remains is hard work and persistence. Persist repeatedly and form good habits. Slowly, you will find that, in fact, there is inevitably pressure in life. Pressure is like a spring. Strong is weak, weak is strong.

Finally, I send you a sentence: there are no obstacles in life, only those who refuse to cross. I wish you a lamp in the dark, an umbrella in the rain, and a woman who loves you. Come on, 0 ~

I am lucky to be able to answer this question.

As long as there is no abnormality in the current credit information and there are assets, you can try "debt restructuring"

In fact, it is also a kind of disguised lending, but if it is done well, it can completely release the debt pressure.

Let me share a real case of a client I met before. He has been in the shoe business in Wuhan market for a lifetime. 1 12 When the market is good, the annual flow is nine figures. At the peak, Wuhan opened 9 direct stores at the same time, and 20+ joined.

As a result, the transformation failed in recent years, and the impact of e-commerce was too great. He lost all the money he had earned before. He added a loan of about 1 10,000, and the interest rate was generally above 1.5.

He had to go to the bank for a loan before, but he needed money to do business quickly, and the first payment was directly credited. As a result, step by step, the debt+credit card owed 960,000.

He can bear it normally, but the pressure is too great. Now he and his wife earn about 30,000 yuan a month. If they are short, they will have to pay back, and if they are short of credit cards, they will have another child. Then he started to do business and his income was unstable. Sometimes he has to go out in the off-season and get another capital to ease it. Every day, I think about what is today and whether there will be repayment tomorrow. People are much haggard.

19 and 10 It is also a coincidence that he came to me. After detailed communication, we made a "debt restructuring" plan for him from his standpoint.

Here are the steps of this "debt restructuring"

The first step is to plan the debt and face up to the problem. This is the most important step. List all loans, credit cards, interest, quotas and remaining principal, recognize your debt problem and face it squarely.

The second step is to sort out real estate, automobile products, insurance policies, securities, etc. Under the name of assets, they can all be assets.

Step 3: Repayment Step This step is to determine how much you want to repay. For example, some informal loan companies have liquidated damages and other expenses for early repayment. After detailed communication, determine a total repayment amount. Now that many loan companies have closed down, the liquidated damages for early repayment can basically be reduced.

The fourth step is the financing plan. In this step, we must find a reliable person who understands the market. We must have a detailed financing plan before we can realize debt restructuring. Otherwise, it is meaningless to rely on loans to support loans.

The fifth step is the rational planning of assets. Generally speaking, the order of settlement is online loan, micro-loan, arrears (interest-bearing money borrowed by friends), credit insurance company, consumer finance, credit card and mortgage.

The core logic of debt restructuring is to repay loans with high interest rate and short life through loans with low interest rate and long life, so that the monthly repayment pressure is greatly reduced and within an affordable range, thus achieving a virtuous circle.

Make a comprehensive plan according to the individual's specific situation to make the best plan. Of course, not everyone can effectively implement it.

If it meets the conditions of debt restructuring, it is still recommended to do it as soon as possible. Don't wait until the credit information is chaotic, and then remedy it. The price paid is increasing in turn.

Facing the debt rationally, repaying the current loan with a loan with higher interest rate and shorter life span is to support the loan with loans, but doing well is "debt restructuring".

I hope I can help the subject. You can leave a message if you have any questions, and I will answer them one by one.

First of all, consider why you have come to this step and seriously reflect on your mistakes. Be sure to pay back the money you owe and plan your future well.

Personal advice first: try your best to repay the bank loan, actively communicate with the bank and get the best solution from the bank. Second: find a job and work hard (I don't know your current situation, if there is no source of income, this is what you need to do most at present).

Stand up or break the jar. Stand up. I have an idea. Please help yourself to the broken cans.

What kind of loan do you owe? If it is a bank loan, it will be more troublesome. However, if it is an online loan, don't worry about it for the time being, just force it to land directly, and then negotiate the repayment slowly. Credit card is the main insurance, and the most important thing is that you may go to jail if your credit card is overdue. After all, overdue credit cards have nothing to do with credit card fraud, and you may go to jail if the amount of a single card exceeds 50 thousand, so you can insure your credit card first. Credit cards are more flexible and convenient than loans, and the turnover is simple. Even if you only have a little money, you can avoid the problem of overdue whether you reverse your card or use the repayment software of UnionPay. But there is no way to turn around the loan itself, so this is more troublesome. In short, if you can, you can turn over your credit card first and repay the loan yourself. If you can't pay it back, protect your credit card first and see what you do.

First of all, we should face it positively, liquidate the debt as a whole, then make a repayment plan according to our actual income, and then strive to increase our income according to our repayment plan.

If the funds are not enough, pay back the credit card first and then the online loan. Of course, if the funds are sufficient, it is best to pay it back at the same time.

Pay back the credit card, and don't rush to find a doctor just because the third party collects the phone! We should face it calmly, negotiate with the bank for repayment, and make personalized installments (you can trust me privately for specific operations). Of course, banks will not easily compromise to do personalized staging, and can only be operated by professionals.

It's best to borrow some from relatives and friends around you. Remember not to blindly repay part of the arrears during the overdue period, because if the amount you repay fails to reach the amount repaid by the bank, you will only repay the interest, and the principal will not be reduced at all, and the bank will think that you are unpaid.

When our credit card and online loan are overdue at the same time, we should deal with the credit card first and then solve the online loan, because the credit card is a platform with the highest prosecution rate. The prosecution rate of online loans is relatively low, and the monthly interest and liquidated damages of credit cards are high after they are overdue, and they will also face harassment of collection. The bank's business is formal, so we can solve the credit card first, and then pay it back in two stages. Online lending can only be said to be a one-time repayment, relief.

When we are facing overdue, we can reach a plan of repayment by installments through legal channels. Oh, restructure the debt, then stop paying interest, reach a personalized installment repayment agreement, reduce our pressure, let us return to normal life and avoid the risk of being sued. In real life, many debtors will face overdue troubles. Please use correct, scientific, reasonable and effective methods to deal with problems, and your life will be better. [Like] [Like] [Like] [Like] [Like]

This problem is divided into several aspects. First of all, there are two kinds of credit cards.

The first type of single card does not exceed 50 thousand. If the single card does not exceed 50 thousand, you will face customer service calls, door-to-door, third parties, or an address book explosion, and eventually you will face civil litigation. You should be prepared.

The second single card is more than 50,000, and it will also be experienced, but you have to face the formal responsibility, which will seriously freeze all your cards and WeChat Alipay and seal up fixed assets.

Let's talk about loans Loans are also divided into bank loans and micro-platform loans, which are also online loans.

First, if these hundreds of thousands are bank loans, you don't have to think about it, and you don't have to pay for the lawsuit. You should be prepared for this.

In the case of the second online loan, you will face endless collection, and a single platform will be sued if the amount is large. You should also be mentally prepared.

The above is a personal reminder to you. What you have to do is to inform your family to get ready, don't hide it, return what you can, and explain what you can't to your family to avoid unnecessary trouble.

Finally, I would like to remind you that you should be cautious in lending.

If you borrow online loans, you can borrow them from friends around you and pay them back first. Credit cards can be replaced by software. Pay them back first and promise not to be overdue! Don't ruin the credit information because of this 10 thousand debt! I owe more than160 thousand credit cards myself, and I have been using this method to solve it! I hope I can help you!