The experience of people who have been there will tell you how to do it! Hope this helps, please get there as soon as possible.

1. Before everything is overdue, you should confess to your family as soon as possible. Whether you beat you or scold you, it is okay. In the end, your family will still help you.

2. After confessing, you should sort out every money you owe and the repayment date. Sort out the total amount owed and the total interest required. This way, we have a base and our family members have an idea of ??how much money is needed.

3. Type out your credit report, pay off the credit first, and pay off the small amount first. Put the largest amount first, and finally find a way to pay it back on schedule if it doesn't work. This way you only have a few left to deal with.

4. If you have a loan shark, unfortunately, you still need to repay the principal even if it is a loan shark. You have to negotiate with him to repay only the principal and interest. But the 714 anti-aircraft gun doesn't have to pay back a cent.

5. You can see people’s hearts at this time. Borrow it from your friends and make a plan on how to pay it back. At least you will save a lot of interest.

Finally, you have to ensure a stable job and pay back your debt slowly to your family. It takes a few years to get out, and after five years your credit report will be in vain. And you must promise not to touch it again. After this incident, you should grow up and don't let your relatives suffer with you. Only your family cares about you the most.

Suggestions from people who have been there! If you don’t pay off your credit card, you can use repayment software to help you pay off your bills! But overdue online loans will explode your address book! I suggest you confess to your family! Get support! Negotiate with online loans to repay the principal! Remember not to overdue your credit card! It would be troublesome to be sued! You can use the repayment software! At least we can get through this difficult time!

Hello friends! The question in the title is somewhat universal! Let me be clear: First, sort out the credit card and online loan debts by category, raise funds, and pay back the formal ones as much as possible first! In fact, if you don’t tell your mother, online loan collection will definitely contact every member of your family...

Let’s first look at why we need to sort out the debt in the first place?

The title talks about owing credit cards and online loans, and there are a lot of them! Then this may involve some informal online loans! There are different ways to deal with formal and irregular ones!

Let’s take a look at how to deal with regular credit cards and online loans:

Credit cards and regular online loans will have a long-term negative impact on your future, such as financial and restrictions on social activities, etc.! Therefore, try to raise some funds and maintain the continuity of repayment. Even if the amount is small each time, as long as it is uninterrupted, it shows a kind of sincerity! Come up with a feasible repayment plan, obtain the other party's understanding, and then negotiate with the other party in good faith to resolve the matter! Win-win for all parties! For this kind of debt, explain it to your mother, and the whole family will work together to collect it, and it will be settled once it is paid off! From now on, it is possible to have peace of mind, work hard and with integrity!

Let’s take a look at how to deal with informal online loans and arrears:

The so-called informal online loans and arrears often do not meet the conditions for credit reporting, and the interest is likely to be Donkey rolling, sitting on the ground... For example, if you borrow 1,000 and repay 20,000, but if you repay 20,000, once they see that you can get the money to repay, it is likely to become 80,000 again... In short, it is difficult to pay it back through normal channels. ! If you don't pay it back, you will be subject to strong or even violent collection... The whole family is restless, and the mother must also be a victim. In the previous report, there was an example of a mother who could not bear the harassment...

Therefore, After sorting out, for those irregular online loans and arrears, you should promptly tell your family members and explain the situation to avoid their worries. At the same time, take up legal weapons or register with the relevant departments to protect your legitimate rights and interests! The judicial department will not support those so-called loan sharking schemes and excessive interest rates, for example, where the annualized interest rate exceeds 24%! And if it exceeds 36%, it is suspected of violating the rules! Therefore, judicial settlement is a short and quick solution, and it will be settled in one go!

Comprehensive analysis: Young people are impulsive, cannot manage themselves well, or lack experience, and owe credit cards or online loans. They must face it seriously! Sort it out carefully, adopt different solutions according to different situations, and strive for a one-time solution! At the same time, it is necessary to tell your family! Taking the initiative to tell your family and explain the situation not only allows them to work together to find ways to raise funds to solve the problem, but also allows them to understand the ins and outs and use their experience to help you, avoiding the sudden encounter with debt collection, being overwhelmed, or feeling overwhelmed. You are worried and will cause adverse consequences...

At the same time, I also hope that through this incident, I can strengthen self-control, cherish credit, manage wealth more rationally, and live a happy, harmonious and peaceful family life!

First, tell everyone that you are in debt. Don’t feel embarrassed. No matter whether you face it or avoid it, you must first learn to let it go. There is no shame in admitting your mistakes. After you take the initiative to confess, most people will understand. You There will also be more breathing time;

?Second, don’t repay old debts with new ones, as they will never be repaid;

?Third, cut off unnecessary circles, At this time, think clearly about how many friends you still have and how many can help you;

Fourth, give up the idea of ??making quick money as soon as possible. You can’t make money when you are not in debt. Can you make money in time? The mind must be steady;

Fifth, improve your personal abilities. If it takes a long time to learn a craft, I suggest you take the Internet route. It is short and fast, can be high-end and can be batched. The strong will save themselves. Saints save people.

You can also use credit card reimbursement software or use a machine to repay the card yourself. However, there is no other way to get online loans except online loans. Because it is not as flexible as a credit card, it is recommended not to use loans to support your credit card. For loans, avoid using online loans, especially if your address book is overdue, it is really disgusting. And there are many loan sharks. Credit cards are relatively okay.

If you hide this matter from your family, not only will it not have the effect you want, but it will make the situation worse.

First of all, your family will eventually find out. Credit card and online loan collection agents will find various ways to find your family or friends and tell them the fact that you owe money. Because for these people, if they want to receive the money they owe, telling your family is the most direct way.

Secondly, concealing and delaying repayment will only increase losses. The penalties for overdue credit cards and overdue online loans are quite severe, and some are close to loan sharking. The longer you wait to tell your family, the greater the penalty will be and the greater your losses will be.

So, my opinion is, if your family still has the ability to repay, then please be honest with them. Although you will be scolded by your family, this is the least harmful thing to do to your family.

I am Konggu Hantan, sharing my views with you.

Let me ask you first, is your mother a billionaire? If so, you should have the courage to tell her. Who asked her to meet a child as capable as you? ! If your mother is an ordinary person, I advise you not to tell her, especially not on Mother's Day. Because if you do this, it will kill her, because she has no money to help you fill the hole. You can solve it by yourself. If you can't solve it, just wait for the legal judgment.

I have a friend who is in business. He has also made some big money in recent years. The person who co-wrote the eldest daughter was proficient in eating, drinking, prostitution and gambling. As a daughter, she relies on her ability to make money, and even her monthly consumption of one hundred thousand or two hundred thousand cannot satisfy her desires. If she once limits her daughter's consumption, the daughter will borrow money in her name and apply for credit card overdrafts. So the debtor kept harassing her all day long, asking for money, which made her so anxious that she almost collapsed! Who to blame? It’s really the daughter’s failure to teach and the mother’s fault!

I think you should confess to your mother as soon as possible.

1. You are already heavily in debt, which means you no longer have the ability to repay your debts, and now you are just resisting.

2. If you are in debt, those creditors will collect money from you, and your life will never be peaceful one day. I will live in a nightmare every day.

3. If you have been in debt for too long, people will sue you through the court. Then everyone will know, including your mother. But the interest at that time will be unbearable for you and your family.

4. You should confess to your family as soon as possible, pay back the money, wash your hands in a golden basin, work hard to make money, and the prodigal son will turn around. It's never too late.

It’s not too late to correct your mistakes.

It’s not the fear of making a wrong step, but the fear of making a mistake every step of the way.

I believe a better tomorrow is still waiting for you.

I don’t know since when, many people started to borrow money from online financial platforms, and at the same time, they owed a large amount of credit card debt and overdue it.

However, the credit card reversal method will soon be terminated with the introduction of new credit reporting methods, and online loans will also be subject to personal credit reporting. Therefore, your heavy debts may have a serious impact on you. Huge repayment pressure.

If you fail to repay your debt, you may be subject to late fees and penalties on your credit card, which will be very costly to you financially. The late payment fees and penalty interest on credit cards may have an annualized interest rate of 24%, which is much higher than other financing costs and borrowing costs. It is not worth it from an economic or credit perspective. At the same time, if you are overdue, your credit will be bad and it will have a negative impact on your future financing. If the bank sues you for repayment, you may also be included in the list of dishonest persons and become a defaulter.

In the face of online financial loans, if you are overdue, you will not only have to bear greater economic costs, but more importantly, you may face various fancy collections, although violent collections are not allowed now , but some normal collection methods and methods are also unbearable for you.

Therefore, it is recommended that you tell your mother honestly. If your mother is able to help you tide over the difficulties, she can repay part of the debt; if she is unable to repay part of the debt for you, you can also know in advance. Your true situation, and calmly face various collections of those online loans.

Of course you should tell your parents, and you must tell them openly. This has happened, and they will know sooner or later. You have to face reality and reflect on yourself. It is normal for parents to blame you, and parents will generally give you some advice. helpful.

First of all, sort out all the debts one by one. Secondly, if the annual interest rate exceeds 24%, the excess does not need to be paid. If the annual interest rate exceeds 36%, it is a usury. If there is no need to pay back, if the other party maliciously demands payment, just call the police directly.

You must consume and borrow within your ability, learn lessons, change your past mistakes, and stay away from financial overdrafts.

If you still can't pay, you have to tell your family to replace the debt together, and don't borrow money casually in the future. Change your squandering habits and vanity, and become a real person.