I am a highly indebted person. As of now, my debt is estimated to be 30 million, which is a big debtor. So I have personal experience with this issue.

From my bankruptcy in 2014 to now, I have mainly experienced four stages of psychological changes. Can't accept it, dare not face it

How would you feel if you were running a company worth tens of millions of dollars yesterday and woke up with nothing?

My feeling is that the sky is falling. First of all, I admit that in 2014, the company could no longer sustain itself. But because there are still goods in the warehouse, and as long as there are goods, there is a foundation, and once there is a foundation, it cannot be said to be over, so I have been working hard to support the company. The debt outside was on the verge of exploding, and under my control, I continued to survive again and again. But a sudden seal brought all my efforts to naught. When I saw the seal on the company door, my face turned pale, knowing that it might all come to an end. I dismissed the last few employees and sat alone on the ground outside the office door smoking all morning.

Having no clue and being unable to accept it was my initial reaction. At that time, I didn't even think about how to solve it. I just sat on the ground stupidly without any emotional expression. I knew what this situation meant, but when I picked up the phone and wanted to call, I didn't know who to call. To put it bluntly, everyone is completely stupid. I was so confused that I was worse off than dead

After I found out that a fire broke out in the store mortgaged to the bank and the bank initiated emergency measures, I started running between the bank and the court repeatedly. Anxious to break the seal and resume business. Although I knew that the possibility of resurrection was slim, my survival instinct prompted me to bite the bullet and fight to the death. But the news spread too quickly, and the impact of this incident began to grow exponentially, eating away at my last hope. In the end, I failed to survive this hurdle. Debtors began to come to collect debts one after another. The bank acted first and basically took away all my effective assets. Those private lenders also took me to court one after another in order to reduce losses.

Since then, I have been reduced from a company CEO worth tens of millions to a billionaire with huge debts. This huge gap was a devastating blow to me both physically and mentally. In the early days, because I was used to living outside for a long time, I felt particularly depressed when facing an empty home. Apart from eating and going to the bathroom, I lay in bed from morning to night, staring at the ceiling, not wanting to do anything. I have nightmares every day when I sleep. In my dreams, I am running wildly in front of me alone, with countless evil spirits chasing me behind. Countless times I woke up from nightmares, with beads of sweat on my forehead.

After this situation lasted for a while, the continuous huge mental pressure finally brought changes to my body. I began to lose a lot of hair, and the sheets I slept on were wet every day. , the hands and feet were cold, and from time to time the fingers began to tremble involuntarily. This change made me more frightened and more nervous. Every day when I stood on the balcony and looked at the crowded crowds and the passing traffic, I wanted to jump off and end this nightmare life. To this day, my fingers still suffer from the sequelae of that time, and they always tremble from time to time. Benefactors helped and restored hope

During those darkest days, I had several thoughts of committing suicide. But my wife always saves me in times of crisis. She has locked up all the knives and scissors in the house. Later, she quit her job for me and spent every day at home with me. Sometimes she would come over to talk to me when she saw that I was in a bad mood. Even if I didn't want to talk, she would talk to herself to me. Now that I think about it, I really looked like a psychopath at that time, and I even felt like I was a psychopath. Because I started to say some weird things or not, and always kept giggling. My wife was most afraid of me showing this kind of behavior, and she shed tears of sadness every time she saw me like this.

It was under her meticulous care and chatting to herself again and again that she slowly pulled me back from the edge of death. When I opened my mouth and started talking to her, discussing life and summarizing the past, she smiled like a child. And I slowly regained my sanity, no longer confused and miserable about life.

Once, while she was cooking, she talked to me about her children’s schooling. When she mentioned that the cost of the children would be a troublesome thing in the future, I added: Don't worry, I will stand up. From now on, you will no longer be able to carry this family alone. She burst into tears immediately, threw herself into my arms and said loudly: You know I have been waiting for this sentence from you for two whole years! You are finally back today! My eyes were also blurred, and the depression, decadence, and darkness of the past two years all disappeared in this moment. Now that I think about it, if there is a good wife in the family, it is nothing more than that. Out of prosperity, back to ordinary

I began to calm down and think about the future. After more than two years of hardships, I found that although I lost my career and money. But I am much more mature than before. I have goals and hopes in life, I have integrated all my debts, and I am no longer afraid of creditors visiting me. With patient explanations and sincere apologies, I have more or less gained their understanding. I remember that when I was holding the verdict at the door of the court, I felt a sense of relief. The huge stone that was weighing on my heart finally fell away, and I began to plan my future life.

With the help of my parents, I drove a taxi. Although I didn’t earn much and it was a drop in the bucket in terms of debt, it gave me new expectations for life and I used practical actions to help me. The commitment expressed to the creditor is more substantial than the verbal commitment. And my creditors began to slowly accept my ant-moving style of debt repayment. Although life is dull, my mood is extremely relaxed. Debt is no longer a psychological burden for me, but has become a motivation for me to work hard to make money. I have been looking for opportunities. I know that if I just rely on driving, I will never turn around. But when there is no chance, I can only choose to lie dormant. Maybe I can only endure this mediocrity and wait until the opportunity comes to explode again. Create brilliance.

At the end, my wife often excerpts some inspirational sentences from the Internet for me when I am in the most difficult times. And the sentence that impressed me the most is: There is no winter that will not pass, and there will be no spring that will not come. Yes, although it is still very difficult now, I must have full confidence to wait and search. Maybe that day is in the not too distant future.

Everything cannot be generalized. I think people with high debts have two mentality: 1. Extremely depressed, extremely confused, confused, and life is worse than death. Bank loans, loans from relatives and friends, private loans, online loans, credit cards, Huabei, Jiebei, etc... I borrowed everything I could. These loans can no longer be borrowed. Basically, people ask for debt every day, and even if they earn money, the interest is not enough! Friends who are in debt understand this. I want to die. There are seniors and juniors above, and there are still many debts of gratitude. Death, death is impossible. No matter how I live, I can't sleep at night. I finally fall asleep and wake up again. What should I do when I open my eyes? I don't earn enough to cover my expenses. It’s hard to make money now, and I owe so much debt. How can I repay it? I don’t dare to think about it, I don’t dare to think about it! ! ! I can’t sit still! Don't know where to go. 2. Debt has become a reality, adjust your mentality, cheer up and find a solution. Classify debts, 1 2 3 pay off this first and then that. If there is anything that can be turned into money, deal with it first and pay off the debt quickly. If you owe your relatives and friends, please tell them properly, give them some time, and speak more conscientiously. Unite your family well, work with one heart and one mind, and make money in a down-to-earth manner. You will not be too conceited to be too ambitious. Even if you earn a hundred dollars a day, you will not let yourself be idle for a day. I have ambitions, determination and goals in my heart, and I firmly believe that I can make a comeback.

Friends who are in debt, although I don’t have much debt to pay off now, my mentality has changed from 1 to 2. I sincerely hope that everyone can adjust their mentality and face it calmly. As long as we are alive, we will one day pay off our debts. We must be grateful to those who have been kind to us and love our families. We must firmly believe that we will definitely make it ashore.

Come on, come on, debtors.

To put it simply: You owe the bank 1 million, and you are afraid of not being able to pay it back.

You owe the bank 10 million, and both you and the bank are afraid. You are afraid that you will not be able to pay it back, and the bank is afraid that you will not be able to pay it back.

You owe the bank 1 billion, and the bank is afraid that you will not be able to pay it back.

They say that if you have a lot of debt, you won’t have to worry about it. It mainly depends on what you think. Some people sell their bodies and souls for 100,000 yuan. Some people have to pay off millions of dollars in debt every day when they open their eyes, but they still live a high-quality life.

I am a person with high debt, more than 3.3 million yuan, and the company will close within 10 days. The person who cares about me the most every day is the debt collector. I have to go to court in 3 days because I am being sued by the bank. I think everything will get better. I always think that if I can borrow so much, I can afford to pay it back. As long as I still have life, there is nothing I can't handle. My husband and I don't quarrel because I know that nothing will change if we quarrel. We can only support each other to get out of the predicament. Even if we are in debt, we are the only two who care about each other.

No, no matter how many lice you have, you don’t have to worry about how much debt you have [laughing and crying][laughing and crying][laughing and crying]

The standards for high debt are different for different people.

Wang Jianlin owes 400 billion yuan, but I don’t see him being confused. Some people owe thousands of yuan and can’t sleep and feel anxious. The key is income and mentality.

Our company held a year-end summary meeting this afternoon, and a sales colleague shared his experience in 2020. This is a female colleague. According to her, she didn’t make much money in 2020 because of the bad environment, and then she spent all her savings on house replacement. As a result, she applied for a credit card for the first time in 33 years, and used a POS machine to withdraw cash for the first time. She said she was so anxious that she could not sleep all night and her hair fell out in handfuls. She said that she would not care about anything in 2021, but she would work hard to make money and pay off her credit cards. She said that this year had been extremely miserable.

I was shocked on the spot. I definitely didn’t expect to have been in sales for the company for 8 years. I have never had a credit card or overdraft. It’s even more incomprehensible that I would feel so anxious just a little while ago because I owed a credit card.

Of course, I also envy others’ extremely low bottom line on economic security. I also owe more than a dozen foreign debts, which is definitely stressful, and sometimes there is even a risk of overdue debt.

But to be honest, I have never suffered from anxiety, insomnia or psychological distress due to these foreign debts. On the one hand, I feel that this debt is not enough to keep me awake. As long as I work hard, I will be able to pay it off. Another point, I think it may also be related to personal mentality. I just owe money, not my life. If this foreign debt causes psychological anxiety, depression, and irritability, makes me unable to eat well or sleep poorly, or even causes physical disease, then wouldn’t I have suffered a huge loss?

So in summary, debt will always bring pressure to people, and the key is to control your mentality.

If your debt is large relative to your income, but not enough to make you unthinkable. Then let debt be your positive motivation and let debt be the motivation for your struggle.

If your debt is completely out of control for you, and you feel that your efforts are no longer enough to solve the problem within the time you want, then you might as well be single, relax, and do whatever you want , No matter how poor you are, you can only beg for food, and if you don’t die, you will eventually get ahead.

The body is the capital of revolution. When you have nothing, your health is your last hope to make it back, so don’t let fear completely destroy your hope.

Haha! This statement is wrong, which fully proves that you are not in line with the characteristics of a high-debt group. The real pure high-debt group is not as pessimistic as you said. On the contrary, TM is living a very prosperous life (at least, it looks like this from the outside). Because TM doesn't belong to the kind of personality that has a gloomy face when encountering difficulties. Why do you say that? Now, let me explain it to you. First of all, everyone knows that the thought of only worrying is a poison.

Most of the people with huge debts in the pure sense belong to the "poor due to business" group. In this kind of life, they are all experienced business masters. They have experienced big storms in the shopping mall, are well-informed, and have good psychological quality. Therefore, in TM's heart, they will not worry about these things! Deep down in TM's heart, he is always thinking about unfathomable planning, design, and review plans...

Of course, it’s not that TM doesn’t know sadness or sorrow, and is too lazy to pretend to be superficial. At the same time, TM will turn this sadness into inner, effective execution of actions... ….

Not only that, TM understands even more clearly that the unexplained pain in life is a personal manifestation of cowardice and incompetence. It is also a dose of poison. Once the toxicity occurs, it will spread throughout the body, making people miserable, and life is worse than death... Instead of doing this, it is better to give up your original nature and make life better. Moreover, in life, you should not add unnecessary sorrow to yourself, but should live happily... Secondly, being healthy and living optimistically is the gateway to counterattack in life.

Living a life of huge debt, even if you live in confusion all day long, cannot bring you any hope, it can only add trouble to you, and at the same time, it will also affect your relatives and friends around you, so others will despise you even more You, look down on you, stay away from you…. As the old saying goes: the harder you work, the luckier you get….

In other words, the harder people work, the happier they are, and the harder they work, the greater their hope... Health is the capital of revolution.

If there is no healthy body and full mental state, then there is no hope.

The key is that your bravery, enthusiasm, happiness, and energetic state can not only help yourself, but also have strong appeal, appeal, and appeal. Is it right!

Therefore, those with huge debts unanimously agree that only by eating, drinking, playing well, and resting well (relative personal behaviors) can they have strong personal energy and work hard for their own future... ….

People with huge debts should remain taciturn in daily life, but once they speak, they can achieve astonishing effects (it’s not that they are not good at words, but that they remain silent and learn). It also makes TM understand what is a life career that needs to be persevered, what is a business to support the family, family life needs harmony, and a harmonious way of getting along... Therefore, we cannot afford to slack off or become depressed. Those who do great things do not stick to trivial matters….

If you want to achieve a counterattack in life! Not only must you have a healthy body, but you must also have an energetic fighting spirit. Otherwise, it will not only mean a waste of time, but also consume physical energy. At the same time, it will increase the area abandoned by society. Finally, self-reflection.

In this society, it’s not that others look down on you, but more of self-denial. The release of powerful energy is really not given by society, but comes from the blooming of one's own abilities...

Don’t underestimate yourself, and don’t give up on yourself easily. How will you know if you don’t try? Continuous exploration and experimentation are the foundation. Continuous learning and recharging are the foundation. Being indecisive and lethargic will only harm others and yourself. What do you think?

I don’t know if I am considered highly in debt! I now owe Jack Ma more than 10,000! Come and pay more than 10,000 in installments! More than 50,000 relatives and friends! I admit I started acting like a ghost after a while! I lost money in business! But after a while I adjusted my mentality! Work hard every day! Whether it’s a construction site or something! At least let yourself live! Because there is hope only if we live! Only if you survive can you have a chance to pay back the money! Otherwise, life will only become more and more difficult! There will be no pie in the sky! So you have to do everything on your own! effort! stranger! Everything will be fine! All the misfortunes will eventually become a part of life!

Do people with high debts live a miserable life every day?

That’s not right!

People with high debt have the most fun.

One of my foremen said the most philosophical words to me: Hard-working and capable people save money and deposit it in the bank. People with high IQs take out loans to start businesses. In other words, people who work hard and sweat save money to support their bosses! And banks are justifiable second-rate dealers - reaping the benefits of fishermen.

This is so easy to understand!

Let’s see, people who don’t have money, if they want to start a business, look for bank loans. If they have money, they should first plan for themselves. Buy a car, buy a house, and go to high-end hotels. Feasting on food, spending money and extravagance. I also got a lot of women through backdoor relationships! Once the factory is built, I will be happy if there is profit. If there is no profit, I will try to get a loan or ask an acquaintance to borrow money. If it goes bankrupt, keep the money for yourself first. As the saying goes, a cunning rabbit has three holes. So much so that when the court found them, they still cried and complained: they had no money, no money. He drives a luxury car, lives in a mansion, and says he has no money. In the end, the court searched and found the capital they had hidden!

Highly indebted people live in paradise. It's not as hazy as one might imagine. Rather, high consumption and high enjoyment.

They have an ideal life of "breaking the jar and breaking the jar".

It can be said that people without ability cannot borrow money from banks.

High debt is an extreme situation. The more extreme the situation, the more extreme polarization will occur.

Some people who are highly in debt still have a decent job, their own network resources, and the possibility of making a comeback. Then this person will work harder and work crazily than ordinary people. Never want to waste a single minute.

Some people with high debt have no hope of starting over again, but they don’t dare to reopen, so they can only live in confusion. Find a place to lie down, go out to work for two days when you have no money, and live in your own world until time wipes everything out.

For a person with high debt, his status depends on whether he feels that he still has hope.

In fact, there are countless possibilities in human life. To put it bluntly, money is just paper. How can a pile of paper knock down a living person?

It’s not like I can stand and talk without back pain, because I am also a highly indebted person.

A person leaves his hometown and does a hard and tiring job. He first protects his stomach, saves some money, and looks for opportunities to try again.