In recent years, young people have overdrawn their consumption, spent money, made small loans and even lent money at usury. I remember a news: a college student who studied well envied his roommate's high-end cosmetics, brand-name clothes and bags, and then was told by his roommate how to borrow money. At the beginning, she was able to resist the temptation and slowly used the online loan of Huayuan. The first month is the repayment period of the second month. If you don't pay it back, you will continue to borrow money to pay Paul. Finally, when the debt breaks out, you will not hesitate to borrow more than one million from the bare campus. Finally, all her friends received text messages and phone calls. She couldn't stand the collection and finally committed suicide by jumping off a building. A teenage girl just left.
nowadays, many people have credit cards. Remember not to be overdue. That's the point. If the credit card is overdue for a long time, you will really be sued. If it is overdue, dispose of more than 5 thousand credit cards. First of all, if it is a bank loan credit card, go directly to customer service. During the epidemic period, the state has a policy requiring banks to give users interest relief and installment concessions, which can be divided into five years at most. I remember, even if you owe hundreds of thousands, don't be afraid. Of course, if you owe more than one million, I believe your strength does not depend on my answer. Secondly, if it is that kind of online loan, not too good. Many irregularities have been cleared up, otherwise it will be on the verge of bankruptcy. This kind of formal financial company is almost useless, outsourcing it to you. See if you can answer the phone. Anyway, there is no money after doing it. It makes no difference! You can wait for these loans before you consider taking a lawsuit against them. Everything is subject to the court decision, which can save a lot of interest. Don't talk to them foolishly, but tell them to see you in court!
many people are afraid to go to court. After all, I feel wrong when I borrow money. Here, I tell you, don't have this kind of psychology! These financial companies lend money to everyone for the purpose of earning high interest rates, which is not worthy of sympathy at all. Even if they go to court, it is a civil dispute. If they return 1, units, the court will decide how much and how long to pay back according to your actual situation and the bank interest rate.
so don't panic! I sorted out some late consequences.
Collection: SMS
Collection: SMS and phone calls constantly disturb your normal work and life.
emergency contact: contact your emergency contact. Many people fill in their parents' and family's mobile phone numbers when they borrow money.
liquidated damages for interest: the interest is already high, and the fine is higher.
credit: credit must be black.
prosecution: it is possible, and the specific situation is analyzed.
imprisonment: generally, this will not happen unless it is judged as fraud (knowing that it cannot be repaid) or the court decides that it can be repaid but deliberately refuses to repay it.
knowing what the consequences are, we can respond accordingly.
first confess to your family and ask for help. Your family can help you pay it back, so don't say anything. If I can't help you, I can also lighten my psychological burden. Don't be afraid to contact your parents and family for the threat of collection.
third, try to make money. What else is there to say? It is only natural to pay back debts. Landing just gives you a time to make money. Finally, we have to make money to solve the problem. Only money can solve the problem of money.
the last sentence is encouragement: the road is at your feet and the light is on the other side. Related Q&A: What should I do if I have been online in loans overdue for more than ten days? Now you have no money to pay back? They can only be allowed to make profits for a period of time. During this period, they will collect debts. If they go to the credit information, it will also affect your credit information related questions and answers: What should I do if the online loan is overdue and I am unable to repay it now?
Don't give it back until it's ready. The key point is to deal with the immediate problems, solve the basic food and clothing problems of family members, and live well. As long as you live, there is hope. Hold on. Now, in this society, you can turn over soon if you seize the opportunity.
what should I do in this situation?
First, you should take stock of your assets and make a good plan, such as how much money you can earn each month, and how much money you can spare except for basic expenses such as family expenses, meals a day, utilities, etc. If the rest is not too much, don't pay back the money first, and keep it for emergency use. As a warm reminder, don't store it in your own card! As for why you don't have your own card, I will explain it in detail later.
Second, on the basis of doing a good job at present, let's see if we can find some sideline jobs. If we have free time, we can take delivery, run errands, take a part-time job after work on weekends, etc., so as to increase part of our income. Don't look down on small money, and we can't accumulate thousands of miles without accumulating small streams. Any wealth is accumulated bit by bit. Be mentally prepared, don't have any negative emotions, and don't worry about worthless face. As long as you don't touch the legal red line, you can do anything, and it doesn't matter if you are dirty, bitter or tired. In the future, you will find that no one cares about how your money comes from (dirty money, you can't make any money at all), only about whether you have money or not.
Third, don't invest in the near future. If you are not fully sure, you'd better not change careers, because the investment risk is too high, and if you are not careful, the pit will get deeper and deeper. If you change jobs, you have to reserve at least two to three months' dry food, because ordinary jobs don't pay wages that month, and they are likely to be pressed for one month or even two months. If you can guarantee a good income, if you can't guarantee a basic income, your future life will be even more difficult, and you can't solve the basic food and clothing, let alone pay off your debts. Therefore, to do a good job at present, a stable income cannot be broken.
fourthly, as you said just now, Huabai and the online loan are overdue. If they are overdue, they will be overdue. If they are unable to repay, they should not return them first. However, it is their job to communicate well. It is their staff's job to call Huabai to collect money. Answer the phone when it is necessary. Don't disappear. Explain the current situation that they are really unable to repay. There is a good repayment attitude, no matter whether it is Huabai. I want to emphasize here that you can check whether your overdue interest rate is too high. Now the law clearly stipulates that the annualized interest cannot exceed 15.4‰. If it is higher than this figure, you can not pay it back, and even what you have paid before can offset the interest or principal owed at present! ! ! You can refer to the relevant laws and regulations for details.
Fifth, if the negotiation fails, don't be afraid, the worst result will be to sue you, no matter whether it's a flower shop or an online business loan, there is no violent collection now, so don't worry, the worst result of suing you will be to become an executor of bad faith, and then the assets in your name will be frozen, including the house, car and bank account, which is why you are not allowed to put the balance on your own card, so that the court can put it in your family's account. You don't have to worry too much about becoming a person who has broken his promise. It doesn't matter much if you don't buy a house, go out and take a high-speed train business seat, have no high consumption, and your children don't go to higher private schools. If you can pay back the money later, you can also apply to the court to cancel the person who has broken your promise.
Sixth, as you said, it is only natural to pay back debts, but there is no money for the time being, so we can only maintain it like this first. It is best not to go through the court without going through the court. After all, going through legal procedures will leave a criminal record. We should make a feasible repayment plan on the existing basis and strictly implement it. I believe that creditors will be accommodating and understanding. Even if they have to be sued to the court, they should have a good attitude and explain the situation to the court. The judge will handle it as appropriate. Now it is civilized law enforcement and very humane.
Finally, I believe that through your unremitting efforts, you will be able to pay off your debts as soon as possible. Come on!
You can trust me privately if you have legal problems related to private lending. The code word is not easy. Thank you for your praise after reading it!
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