Although it was borrowed in the name of your wife, whether your business investment failed or your family spent it, it was all spent by your own family. The money must be returned. It is only natural to pay back debts. Not paying back the money will not only solve the problem, but also affect your credit information and your future children.
Personal advice:
First, if you can borrow from relatives and friends, try to borrow some first. Don't pay back the borrowed money at once, but pay it back bit by bit so that they won't turn against you. After all, they also want to get the money. Second, both of them should accept the reality, work hard and try their best to save money and return it. After all, life is still long, so we should look forward.
Specific solutions:
1. First, make an agreement with your wife to force you to go ashore, so as not to pay too much.
2. Secondly, call the CBRC and complain about all companies that illegally and violently collect money from you, so as to reduce the harm of cyber violence.
3. According to your actual income, actively negotiate with banks and lenders again to reach a legally recognized repayment plan!
4. Finally, the emotional problems between you two, of course, are solved by your own communication.
The best way to deal with overdue online loans is as follows:
1. Find out your overdue records and make a form, indicating the loan time, loan amount, repayment amount and overdue amount.
2. Then call the customer service phone of the online loan platform one by one, ask for voluntary repayment, explain the personal situation, and apply for a penalty interest reduction. Can I only repay the principal and interest, and be exempted from liquidated damages and penalty interest?
3. Work hard, save the cost of living, repay the loan on schedule every month, and repay all the loans by one platform.
Although the above methods can help you borrow quickly in a short period of time, you should be clear about the correct concept of borrowing, spend and borrow reasonably, do what you can within your control, and remember never to borrow through multiple channels, or you will get deeper and deeper in the quagmire of online lending.