My Huabei payment of more than 8,000 yuan has been overdue for a year. At the beginning, I made a few calls to the customer service, but then basically no more calls.

During this period, a friend transferred 1,400 yuan to Alipay. It was deducted instantly by Huabei, and Alipay can no longer be used.

It was because I was sick and the project failed. I kept it going for three years and borrowed millions from friends. Finally, I took out an online loan and my credit card was overdue, and I couldn’t pay it back at all.

For more than a year, my living expenses were basically provided by family and friends. Now that my health is getting better, I can only find a temporary job suitable for me to earn money for living expenses. The repayment of the debt is basically non-repayable.

Fortunately, my relatives and friends haven’t come to me for urgent requests. I also sent the real situation to the national regulatory authorities in detail, and they accepted it. I hope to negotiate with online loans and credit cards to solve the problem based on my situation. .

Let yourself live first, and then pay off the debt slowly. There is really no other way.

According to your own conditions, work hard to make money!

It has been overdue for two months, and so far I have not been able to deal with it. I am being forced to go ashore and work hard to pay off my debts. These two will be recorded on the credit report. Since we have no money, we can only force ourselves to go ashore like this. And if it doesn’t happen, the address book will be exploded. , online loans are scary, everyone, please pay attention. I am currently trying to make money to pay off my debts.

I just paid it all off a few days ago. I no longer need to spend money, borrow money, or use credit cards. Excessive consumption kills people.

People who spend money in advance will one day overdue it. Why do you say this? I always feel that it is easy to spend other people’s money. In fact, I never thought that when I spend other people’s money, I still have to pay it back. Today’s young people consume too much in advance. This will be a social problem and cause headaches for many people

Too many people are overdue. There are only two ways to deal with it. The first is to cancel the debt after death. The second type is that people live and work hard to make money and pay off debts. There is no other way. If the amount is too large, you may face legal liability. If the amount is not large, just negotiate with the employer to repay it first.

The epidemic in the past two years has particularly hit self-employed individuals, small and micro enterprises, and private enterprises. Most of them are on the verge of bankruptcy. The shortage of funds has made it worse, causing them great economic losses. Therefore, It caused a debt default and even paid a heavy price; how to solve this situation? We'll see!

It was already overdue for half a month, so Alipay made two phone calls. The calls were from different departments. Huabei, Jiebei, and online merchant loans are different, and they all have dedicated internal collections

p>

He has barely had a good night's sleep since it was overdue, and he feels very uncomfortable with the huge debt. The night outside the window was very dark, matching his mood.

It's dark outside.

Today is my 30th day overdue. Borrow 70,000 yuan and spend 30,000 yuan. Penalty interest rates continue to rise. At 9 o'clock in the morning, I received a third-party collection call. It should be from the same department as the last collection call. They provided me with a 12-instalment repayment plan. Although the woman's voice today was very sweet and gentle, not like the last one. The man spoke fiercely that time, but I still refused. Not counting interest, even if it was 100,000 yuan divided into 12 installments, I would still have to pay back nearly 10,000 yuan a month, and I still couldn't afford it. Either divide it into 48 installments, or wait for me to save money for 3 years and I will pay it off in one lump sum.

At noon, I received a customer service call from a certain store, saying that they wanted me to handle some of the overdue funds. After all, the arrears had been too long. The other party responded with emotion and reason. I admit that I was a little moved because I just got paid today and I have some cash on hand, but I haven't fully thought about it yet. Let me think about it for two more days.

The customer service girl called again. She probably didn’t receive my money after the last call. This time she asked me to repay the full amount. Her tone was very impatient and she kept stressing that I would have to pay it back within 3 days. If the funds are not available, a door-to-door investigation will be carried out and the materials will be handed over to the court.

Originally, I had planned to pay back the three thousand yuan first, but she actually threatened me! I hate people threatening me the most. Come on! Sue! I just don't have the money. When I just graduated from college, my classmates and fellow villagers used my skills to lure me to invest money in a business through Jiebei and Huabei. As a result, they ran away with the money. I finally owed 100,000 yuan. You must not let me use my skills. Pay back the money?

Today is the Mid-Autumn Festival. I bought a small moon cake to eat, but I have no money to go home. I don’t know how to face my parents when I go home.

It is 90 days overdue, and there is no change in the debt. There has been no on-site investigation or prosecution, and even the phone calls are not very frequent. But I heard that the female classmate Dandan was only two months overdue, and her address book was exposed yesterday. All the numbers in her mobile phone were called, and the entire classmate group knew about it. Maybe, it’s probably the Mid-Autumn Festival holiday, right? The collector also went home for the holidays. Fortunately, my address book is still safe.

Today I heard something about Dandan. It was said that because she had been refusing to answer customer service and collection calls, her address book was exposed. Fortunately, I have been maintaining communication, otherwise the consequences would be unimaginable. But I have also thought about it. If they really explode the address book, I will definitely keep the evidence so that I will not suffer any disadvantages if I file a lawsuit in the future. Also, someone added me on WeChat today. He first said he wanted to help me pay back the money, but after going around for a long time, he realized that he wanted to earn my money and help me negotiate with a certain treasure. Damn it, you want to make any money, do you have any conscience? I don’t know how much money they have earned from debtors, alas.

Over the weekend, I was browsing the Internet and saw many posts about overdue debts, which made me feel very sad. It's been 110 days overdue. I haven't been investigated, my address book has not been exposed, and I haven't accepted the repayment plan. I haven't received a collection call for about a week. Are they brewing any new plans? Puzzling.

When I came back from work, I deleted the Taobao app, Taobao and Xianyu, and cleared the address book on my phone. I wrote down several important contacts in my diary. , so my address book won’t be exploded, right? It has been almost half a month since I received a collection call. I was so nervous that I listened to the recordings of my previous phone calls with debt collectors one by one. Now all I could think about was paying back the money, but my money was far from enough.

I finally got the collection call, and it was the same old thing, telling me to pay back the money as soon as possible, otherwise I would be sued according to law. She was a sweet girl.

Actually, I really want to deal with this debt as soon as possible, but the company where I am currently interning only gives me 3,500 yuan a month. I really have no choice, and I dare not tell my parents that I Afraid of making them angry. Either let them sue me as soon as possible, let the court know my willingness to repay, and give me a solution. I have had enough.

Recently, there have been fewer and fewer collection calls. One comes every three to five, and they all say a few high-sounding words and then hang up. These people are obviously not as conscientious as they were in the past.

Today, a staff member from a certain company called me and reported his job number. It was a landline number, not the previous mobile phone number. He might be a regular employee. He said that he would formally notify me that they had submitted it to the court. I received the prosecution materials and prepared myself to respond.

I haven’t received a flyer from the court yet, but the last phone call made me very uncomfortable! They must be trying to scare me! I have insomnia again! I decided not to wait blindly for death. I will apply for a real estate sales job tomorrow. I can buy a few houses and have everything!

I am adapting to my new agency job, but I am too tired to drink water or eat. However, I know that if I don’t work hard, this debt may have to be dragged on forever! Today a girl I like very much came to the store. She rented a house and signed a contract with me without a few words. She also added my WeChat account. I wanted to pursue her, but I didn't dare.

I still owe a lot of debt!

I had a dream last night! I dreamed that my address book was exposed and debt collectors came to my door. I also dreamed that I went to court and was convicted of fraud in court! Are all dreams the opposite? Yeah?

It’s been a year since I graduated from college! It’s one year overdue! Today, I sold my first house in my life, with a commission of 16,000! I saw the hope of life again. I believe I can do it again, work harder, and sell a few more houses! Everything is solved! Just work hard! I can definitely get ashore!

Today is different from every day before!

In the morning, the first girl I rented a house with came to see me again. She brought me breakfast and confessed her love to me! I haven't had time to be happy yet. An hour later, I received a call from my father asking me if I owed 100,000 yuan! I told him everything truthfully. I thought he would scold me, but my father did not have the violent reaction I imagined. He said he would come over in a few days.

Yesterday, my father came. He is much older. He took me to have a delicious meal. He left 50,000 yuan in cash and told me that every step of the way gained wisdom, and I would handle the rest by myself.

My girl also knew about my debt, and she said it didn’t matter and she would pay it back with me at work. I haven't received any collection calls in the past few days. I can't wait to find them now. It's 1 a.m. now, but I feel like it's almost dawn.

Today may be my last repayment diary entry.

Today I sold another house, and the commission will be paid at the end of the month. I don't want to wait any longer. I proactively called the platform’s customer service and told her that if they waived part of the interest and penalties, I could repay 60,000 yuan first and pay off the remaining money in 12 installments. The other party called me back in the afternoon and agreed to my repayment plan.

This is really the last repayment diary.

Since the last time we negotiated the plan, I have no trouble sleeping. I work hard during the day, and occasionally have time to go out with my girl, and my relationship develops very well. She said she liked the way I worked hard best.

Although I have agreed with the platform to repay in 12 installments, and only three installments have passed, I already have enough money to repay. Tomorrow I will pay off my debt all at once. This is an unforgettable experience. Thanks to the classmate and fellow countryman who cheated me of money. Because of you, I am stronger and have grown a lot.

It’s dawn.

Finally, here are some tips for dealing with overdue messages:

1. Keep communication open if you don’t want your address book to be exposed.

2. Remember to turn on the phone recording to obtain evidence at any time, which will be beneficial evidence when going to court.

3. If the installment plan offered by the debt collector cannot be paid, don’t agree. The second installment was even more uncomfortable. If you can negotiate with the platform, don’t negotiate with third-party debt collectors. Don’t be frightened by third-party debt collection, they will only threaten you.

4. Working hard to make money is the way to go. Only by increasing income can you have the capital to pay off debts.

5. Be sure to tell your family and don’t carry it yourself.

6. It is best to pay it off in one lump sum. If you pay off a little each time, the interest may be directly deducted, which will not help in repaying the principal.

7. Don’t believe in fee-based refunds! They are all liars!

8. The most important thing is to maintain a positive attitude and firmly believe that you can get ashore!

No need to borrow it. Huabei is only used when you can't use a credit card. For example, when paying a small vendor, if you don't need Huabei and you have to spend cash or a debit card, just use Huabei. Generally, it is less than 500 per month, so there is no arrears.

I spent 8,000 and borrowed 20,000. I am currently at home waiting for childbirth and not working. I have no financial resources and don’t know what to do [smile]