It is understandable to say that your brother's loan is used for formal purposes, but if your brother's loan funds are only used to satisfy personal desires and blindly consume or gamble on the basis of knowing that he can't repay them, I don't think such people deserve sympathy.

Although the former family is poor, they should try their best to help solve the problem. One is to raise as much money as possible and pay back part of it first. Second, negotiate with Alipay and the bank to extend the repayment period or increase the installment period. You can provide proof of low-income households or poor households, and normal banks or Alipay will be willing. After all, it is impossible to recover the arrears by force (but since your brother can overdraw the credit card by 200,000 yuan and has a credit line of 200,000 yuan, theoretically, his personal conditions should not be bad, and your family conditions will not be too difficult).

But in the second case, I personally suggest that you don't have to raise money for him or find a way for him. You should put him in prison to sober up, otherwise, you will help him solve it this time and he will continue to do so next time. To give a very realistic example, my classmate's younger brother also overdrawn the online loan because of gambling and lost it all. Because it can't be returned after the deadline, the person who borrowed the online loan not only broke the address book, but also went to my classmate's parents' house to make trouble, and didn't want my parents to suffer at such an age. My classmate paid my brother a loan of 1.6 million (his parents paid back 1.9 million, totaling 350,000, which was spent.

But what's the use? Not long after, he didn't do well in the job he was looking for, then gambled and owed a lot of money. This time, my classmate resolutely stopped paying for him. This is a bottomless pit. If the debt collector comes to the door, he will call the police directly. His parents are extremely disappointed with his brother, and even if they want to help him pay back the money, they have no money. Then his brother ran away. In the past two or three years, he sometimes called home during the Spring Festival. As for whether the online lender has found him, no one knows. It can be said to be self-defeating.

abstract

Whether it's your brother or husband, or someone close to you, if you have various overdrafts or online loans for no reason, don't repay them easily. Let them learn their lesson. To be honest, most of them are adults. They should know their actions and the consequences of their actions. They shouldn't always think about asking their families to help them solve it. Many people will not wake up until they have experienced an unforgettable blow.