When I was planning a debt for a friend these two days, I found that his debt was completely out of order. I'm sweating for him.

I told you before that if you have money, you must pay back your credit card first. Because many online loans don't negotiate with you, only the longer they are overdue, the more bargaining chips will negotiate for relief.

how should we deal with all kinds of debts?

first of all, we should sort out the details of our existing debts, prioritize them and deal with them separately. Be sure to know which debts are urgent and which debts can be suspended. Plan a suitable treatment method according to this priority.

first, we must deal with the credit card debt first. why should we deal with the credit card debt first?

I have said this question many times before, because credit card debts are criminally liable to some extent. For example, credit card fraud, credit card malicious overdraft.

If you have more than one credit card, it is suggested to give priority to handling large credit card debts, especially those with a single credit card exceeding RMB 5,. If you can't make a one-time repayment, you must take the initiative to contact the issuing bank as soon as possible and apply for negotiation repayment.

how to do it. I talked about it in my previous video, so I won't talk about it here. If you really don't understand it or can't handle it yourself, you can give it to me privately.

second; It is a bank loan and a credit loan issued by a regular company with credit information on this loan record. For example, mortgage and car loans, bank loans, Alipay flowers, JD.COM white bars, gold bars, micro-credit of WeChat and so on.

specifically, you can log in to the credit information system of the People's Bank of China to find out which loan you have received and which one you have not.

Although these debts, unlike credit cards, will face criminal responsibility, they will have an impact on their credit information.

third; It's just loans from relatives and friends, not to mention that I can give you money to help you solve your problems when you are in trouble. No matter how much it is, you should have an attitude.

So I believe it won't be difficult for you to tell them your actual situation and ask them for grace.

fourth; Just don't go to credit reporting, illegal online loans and local usury. This kind of debt may be collected by all kinds of violence, such as breaking the address book, and then telling everyone about your arrears. < P > At this time, don't care too much about the face problem. Survival is the most important thing.

although it is natural to pay back debts, those within the scope of legal compliance must be paid back, and those that are illegal will be suspended. After you have dealt with all the previous debts,

when you have some savings, you can negotiate with them to settle the repayment in one lump sum. If the other party disagrees, you can ask them to go through legal procedures.

In fact, most illegal online loans can't go through the procedure, because they are not compliant.

I also remind everyone once again that when illegal collection infringes on their legitimate rights and interests, they must take up legal weapons to protect themselves.

I want to go ashore as soon as possible. It must be done, reasonable consumption, open source and reduce expenditure, and income must be increased. If the law permits, do everything possible to make money.

If you have any good ideas about this, please leave a message below to discuss! You can provide more topics and materials, and I will record it as a video to share with you!