1: Forced. Some people originally wanted to pay back the money, but after being subjected to various collections (imagine it by yourself), they felt tired, or let everyone around them know about it, and they couldn't bear the pressure. I simply chose to give up repayment, as much as I like.
There is such a person around me, a former colleague of mine. I've seen him answer debt collection calls. The voice on the phone made people not want to hear it a second time, and they even thought of throwing their phones. Later, almost everyone in the unit knew about it. My colleague simply ignored it. When he received the collection call, he said, I will not pay it back. I have recorded your phone calls. I will see you in court if you can.
2: They are also forced, but this is because they really have no money. He couldn't afford to pay it back even if he wanted to, so he could only drag it out and become a deadbeat. Many people who are in debt now are those born in the 80s-90s-00s. Some owe money for housing loans and car loans. Some have poor self-control. They are influenced by some unscrupulous advertisements and consume in advance, resulting in more and more debts. In addition, due to the current epidemic Under such circumstances, many people have lost their source of income.
3: People who take out online loans. This possibility is somewhere between wanting to repay and not wanting to repay. There are probably people around me who are old people. If nothing happens, the balance may tilt towards the old people. Online loans are great for a while, but you can pay back the crematorium.
4: People who specialize in online loans never think about repayment. If you get it, you'll earn it. I once read a report about a village where people specialized in taking out online loans and never repaid them. Several online loan companies went bankrupt. The latter village was blacklisted by online lending companies. As long as the ID card address is from that village, it will basically not pass.
5: Some of them were deceived, which caused them to feel unbalanced and have the idea of ??not repaying the money.
6: There are also some who may have been in business before. After bankruptcy, few people can resist the high debt. Some companies went bankrupt, but they did not have much impact on their lives. I won't care about it.
7: There are also some people who just follow what others say. I don’t have the ability to judge, and I don’t know what the consequences will be if I become a lao lai. Maybe even complacent.
8: The last one is a scam. It's impossible for such a person to pay it back. People make a living by cheating. In their eyes, if they can defraud someone, they will make a fortune.
I worked as an insurance agent in Hangzhou for 7 years, and I often had contact with bank personnel and personnel from some small loan companies. I have encountered these types of people.
But the most important thing is that the cost is not high, which is also the reason why many people choose to become lazy. However, I believe that this situation will become less and less common in the near future.
The above is some of my analysis. Friends are also welcome to discuss with each other. Why do these people choose to be deadbeats and not pay back the money?
The quality of a person is directly related to money. I work in collecting overdue bank credit cards, and 90% of the debtors I come into contact with every day are of relatively low quality. After their credit card expires, they don't even think about paying it back. After calling them, their attitude was very bad. We all have a hostile attitude toward banks. Of course, they must be trustworthy before the deadline. But after the due date, they have no money to pay back, they avoid collection, and even deliberately make things difficult for the collection staff, and their quality becomes quite low.
Borrowing debt and repaying money is a matter of course, but when these words come out of their mouths, they seem so feeble.
Some people are three or five years overdue and have not received a penny, and their phone numbers are always empty. Their overdue amounts range from a few thousand yuan to tens of thousands or hundreds of thousands. Even if you repay one or two thousand a month, it will be almost the same in a few years. However, there are very few people who can take the initiative to repay. The people we can contact who have the intention to repay have repeatedly promised, but in the end they have not fulfilled it. Some people were even more arrogant, asking us why we called them and why they had to pay back the money they borrowed based on their own ability. Are people who say such things inherently of such low quality? Absolutely not, or they have no money. The money in their pocket determines a person's mentality and character.
Of course, not all rich people are high-quality people.
But if the person who owes money refuses to repay, his quality is definitely not that high. Because he owes money and has no ability to pay it back, he will avoid collection and escape reality. Because I was escaping, I kept making excuses, missing out, and so on. I tried my best to be a low-quality person and deal with the bank and debt collectors. Of course, their lives are not easy either. Whoever has money is willing to be a douchebag. But before they borrow money, they should think about the time when they will pay it back. When they use the money, they should be very smart. After it is overdue, anything they say after the payment is unreasonable.
It is said that it is easy to borrow money but difficult to pay back. This doesn’t mean that they don’t have the will to repay. If they have the will, so what. With just a few thousand yuan a month, excluding expenses, they may not be able to squeeze out even a few hundred yuan. Even if they repay, they will still have to pay back It serves as interest fee, and they know this better than anyone else. So I just put it off again and again, and in the end I didn't want to face it at all, so I just kept doing nothing and letting it go. People are forced out. Rich people are generous, generous and heroic, and are respected by others. People who have no money are picky and scheming. When they have no money, they have to tear down one wall to make up for the other. Once they are unable to move beyond the deadline, no one can help them. They can only be alone, thinking about crooked ways. Escape bank collections.
With or without money, one cannot fully evaluate a person’s quality. But not paying back the money you owe is definitely not a quality person. No matter what difficulties you have, if you owe something, you owe it, and you should pay it back according to the rules. If you say you are incompetent and give a lot of excuses, or simply say you are incompetent and leave it to you later, this will inevitably lead to loss of status. Of course, they don't care about anything. The credit report will affect them. As long as they can survive, they don't care about these illusory things. Survival is more important than life. The reason why some people live humblely is because they cannot do what they should do and cannot bear the responsibilities they should bear. In the final analysis, they still have no money in their pockets.
Money is also a mirror for people.
When you have money, you can’t see anything. Only when you have no money and owe a lot of debt can you see the true appearance and recognize a person’s nature. Many debtors are not only ungrateful to the bank that originally lent them money, but because they cannot afford to repay the debt, they complain to the bank and abuse the urging staff.
We often encounter such disgusting things. They are already broken, they have lost their backbone, their credibility, and their most basic qualities as a human being. Therefore, the quality of a person is largely related to money. For example, if a friend owes you money and the due date comes, he not only refuses to pay it back, but also refuses to answer your phone calls. You find him and say that you are wrong. Do you think this friend is worth keeping? Is his quality high? Of course, if you don't ask him to pay back the money, he may still be happy with you, but the biggest problem between you and him is money. If he doesn't take the initiative to ask for it or pay it back, this in itself is quality. low performance.