Take the initiative to apply for an interest suspension with the bank, provide your income details, and negotiate a repayment plan with the bank. My friend owes the bank 110,000 yuan, with a monthly income of 2,500 yuan, and a monthly repayment of 1,000 yuan

Debt must be resolved sooner or later, and escaping is not an option. Of course, if his current approach is to focus on making money, then that's fine.

To solve debt, the most important thing is to make money, 500,000. How to pay back the credit card depends on his earning ability. If you have a skill, work hard to make money and solve it one by one. Contact the bank regularly and negotiate. After you save money, negotiate for a one-time settlement, interest penalty reduction, etc. If your income is stable, you can also negotiate for personalized installments. You can find the specific method yourself. In short, work hard to make money and actively negotiate solutions.

For online loans, after the credit card is processed, you can save enough principal to negotiate a one-time settlement, or reduce a part of the interest to an acceptable level. The negotiation process and results must be recorded and confirmed with the platform customer service.

All negotiations must be done directly with the bank or company. The phone calls or negotiation plans given for collection are not trustworthy. Third-party collection is true except for asking you to pay back the money, and everything else is fake. .

In addition to negotiated repayment, no other penny is required. Otherwise we will never be able to pay it off.

I am the same as your friend. In 2017, my son earned more than 450,000 yuan in two-year interest from Fanpu Credit Co., Ltd. and credit card. Later, the online merchant called me and I found out that I had a happy life. My husband recently retired and I retired from menstruation. When I found out that my son was making more money with interest, I was very painful because I never expected that it would end like this. It was so miserable. Later, I became stronger from the pain. Is it not easy to get here? Don’t have much money to begin with? Later, I borrowed money from everywhere, totaling more than 280,000 yuan. I am really sad that there are high interest rates in civilized China

Let me tell you about my experience.

First of all, there is a problem with your handling method. You should analyze it carefully and deal with it differently.

Although the bank will contact you for debt collection, and although debt collection is very annoying and most of them are illegal operations, you cannot lose contact. Occasionally answer the phone and chat with them so that they can contact you. They generally don't explode address books.

Only the court has the right to freeze bank cards. As long as you are not sued, the bank card will be fine. But one thing is, don’t use the savings card of the bank where your overdue credit card belongs. They usually apply for a credit card after you Sometimes, there are hidden terms that will deduct money from your card.

Chatting with debt collectors also requires skills. You can’t say things like “I won’t pay back”. Debtors generally speak irritably, and they also arbitrarily forge lawyer letters, falsify court information, etc. They violate the rules first, so you can’t be afraid of them. , just confront them directly. They claim to be entrusted by the bank, so let them bring out the power of attorney and then negotiate.

They generally do not have a power of attorney, and they dare not reveal the name of their company, so they will hide in dark corners and do mischief, so there is no need to be afraid of them.

And don’t try to negotiate with debt collection, it’s useless.

I believe that the vast majority of people are overdue due to some helpless objective reasons. Very few people owe credit cards just for the sake of not paying them back.

Therefore, you should take the initiative to contact the bank and explain your difficulties and willingness to repay in installments, so that the bank knows that you are not maliciously overdue.

Under normal circumstances, when the due date is just overdue, which is about three months to half a year, the bank's attitude is relatively tough during this period. The longer the delay, the more the bank is willing to negotiate. After all, what they want is money. Putting it off all the time is not an option.

And we must understand that overdue payment is not doomed. Laws and regulations also stipulate that if it is overdue, you can negotiate for installment, but the bank is unwilling to let you make installment payment.

Moreover, even if the other party sues you, it will be fine. When you get to the court, the court will coordinate with both parties to make installments as much as possible. This is why many overdue people most hope that the other party will sue, because the overdue person wants to repay. But I was under great pressure and could not pay it back in one lump sum. The other party did not agree to the installment plan, so I was stuck. If I sued, it would be resolved. If I sued, it would be settled in installments.

Therefore, it is not terrible to be overdue. The only way is to face life squarely, face it positively, and work hard to make money to pay off debts.

If you don’t want to pay back the money and want to go to jail, just run away [laughing and crying]

I owe about 500,000 for an online credit card loan, which is not much, but not much. Personally, I think it is more appropriate to face it bravely. At the very least, you should answer the phone when the bank calls for debt and show that the other party is willing to repay. If you don't answer the phone, the bank will definitely put you on the blacklist. The bank will think that you don't want to pay back the money and have lost contact. The most serious case was being sued by the bank and brought to court for credit card cash fraud. In this way, you will be included in the list of people subject to execution for breach of trust, and you will be sentenced if you are caught! So I suggest that your friend pay back as much as he has. Even if it’s a few dozen dollars, pay it back if you have money. Of course, the premise is to ensure that you have living expenses. At the very least, it will make the bank think that you have the idea to repay the money, but you just don't have the ability to pay it back in one go. As for online loans. If the interest rate is too high, ignore it for the time being. For those with good credit, find a way to negotiate with them. If the other party explodes the address book, just ignore it. Pay back the bank credit card first. In short, if it takes a long time in the end, any bank can reduce part of it, at least the interest can be reduced. Principal installments are also available. As long as a person lives, he can pay it off one day.

If you owe money on your credit card, just don’t answer the phone when they call.

Forget about online loans. The state has banned many online loan companies with extremely high interest rates. Some of them don’t have to be returned.

I have a friend who owes hundreds of thousands of dollars on credit cards and online loans. He doesn’t answer calls or text messages. It took a year. Finally, he moved and no one could find him.

The best way is to pay back the money

Your friend owes money, so it probably has nothing to do with you. If you lost the money by gambling, then borrow the money and pay it back quickly, otherwise your friend will be sued. If you don't use a penny he owes you, then it has nothing to do with you, just do whatever you have to do. Maybe you are a multi-millionaire, then give him half a million yuan, pay for the money you owe him, and settle everything in one fell swoop. There is no need to worry about it anymore.

Sixty-eight old men.

This kind of thing is difficult to talk about. Just try your best to help him.