What should you do if your child borrows a lot of loan sharks, online loans and overdraft credit cards without telling you? It’s really distressing to encounter this kind of thing, but I think you should calm down and have sincere communication with your child. If it’s really difficult, you can seek legal help.
Today’s children are very unique, and I don’t know where they got such courage. The author has lived for decades, let alone when I was a child. Even now, I don’t have the courage to borrow loan sharks. . However, there are many children who dare to borrow loan sharks and do whatever they want. I have to say that today's children really need to be disciplined. But no matter what, things have happened. All that needs to be done is to calm down and work together to find a way to solve the problem as soon as possible.
Why are children so bold? The author thinks that one of the main reasons is that today's children lack a sense of responsibility. In their eyes, they are the most important person in the family. Family members must revolve around them. They can do whatever they want. Anyway, they have the support of their parents behind them. Well, actually you can think about it carefully, who is responsible for the child having such a mentality? In the final analysis, the root of everything lies with the parents. Doting on children makes them lack sense of responsibility, lack of crisis awareness, and lack of normal mentality and quality. Long-term pampering makes children self-righteous and do not even know right and wrong, good and bad. This is the consequence of doting.
If parents dote on their children too much, it will inevitably bring about adverse consequences. It just depends on whether the consequences are big or small. Let’s take this incident as an example. What is certain is that this child does not have a very clear understanding of money. This means that his parents would often give him money when he was a child. He is used to spending it. On the one hand, he feels that money comes easily. , come as soon as you say. On the other hand, he knows that there is a way out. If his money is gone, his parents still have it. Even if he owes a debt, they can take care of it. If things go on like this, from a young child to a grown man, his courage will also increase. The problem will get bigger and bigger. Coupled with the lack of sense of responsibility, they simply do nothing and stop doing nothing. Loansharks and credit cards all come here.
After analyzing the reasons and the required results, how to solve this problem is the key. First of all, you need to figure out the ins and outs, which ones can be repaid, and which ones need further verification. For usury matters, seek legal help as soon as possible. For bank overdraft cards, you have no other good way but to press For card repayments, as for other matters, it is better to consult a lawyer and seek more legal help. Even if you only pay back the principal, you can reduce unnecessary losses.
In short, since something has happened, let’s find a way to solve it. Criticizing the child is not the final solution. At this point, we can only take it slowly, pay back the money slowly, and slowly change the child’s shortcomings. This is a good and rational approach. Being too anxious will not help. As the saying goes, haste makes waste. Without objective reality, the problem will become worse. Finally, I hope you solve the trouble as soon as possible, right?