To be honest, there is basically no solution to your problem. In addition to running away, the rest can only be relied on. But if you have a home and a house, the creditors will definitely come to you. Even if you are single now, you still have parents. Creditors will ask your father and mother for debts and threaten them. How miserable they are and how worried they are about you!
Not surprisingly, your debt is probably the debt of online gambling! Online gambling does a lot of harm, really. At first, it was a small profit, which gave many people unlimited imagination and thought they had found a good way to get rich. You don't want to think, if all lost to you, what does his online casino do for a living? Is it a charity that sponsors millionaires?
At this moment, I can only advise you not to gamble any more. In the previous information, many people only owed tens of thousands of dollars at first, but in order to make up for the losses, they continued to borrow money and continue to lose money. In a blink of an eye, the debt has changed from tens of thousands to hundreds of thousands. At last, all the people who can borrow have borrowed, and all the online loans that can be made have been loaned, but they can't get themselves out of the misery.
I really don't have any good suggestions for such a high debt. I remember when I answered the question of a debt of 80,000 yuan, I thought it was possible to pay off the debt as long as I worked hard for a few years, even if my monthly salary was only 3,000 to 4,000 yuan. However, your salary is 1.3 million yuan. Even if you don't eat or drink, it will take 18 years to pay off according to the monthly salary of 6,000 yuan. 18 years, how many years does a person have?
Finally, I remembered a comment I once saw in the question I answered. This problem is the problem that I owed 80 thousand earlier. This comment reads: "If I only owe 80,000 yuan, I will laugh in my dream!" " I can especially feel the mood of this tourist's comments now. Indeed, if you owe 80,000 yuan, it is really easy to land, but if you owe 1.3 million yuan, it is really too difficult to land!
Hey, gambling harms people, gambling harms people, gambling harms people! Friends who see this problem, remember to remember, don't play online gambling, that's a vampire spectre, that's a death warrant! Now, only good luck! Ah, a sigh!
I may have the right to speak, because my situation is the same as yours, but it is not 1.3 million but 1.5 million.
But there are several ways to look at this problem, depending on which one you are.
First, I am working now, with a monthly salary of five or six thousand yuan. If this is the case, it is basically impossible to pay off the arrears. If possible, you may not be able to bear it in time, because living under such pressure will make you very hard and even collapse.
Second, fortunately, I belong to the second category. Now I have two jobs, that is to say, I don't have to work, that is, I run a business. The monthly salary of each job is about 6500 yuan, depending on my performance. In good times, the two jobs add up to 20,000 to 30,000, and in bad times, it is more than 10,000. This is the basic guarantee for living in our province. If I don't owe money, I can even say that my life is still very moist, but I am in debt. Besides, I have my own company, because I owe money for the establishment of the company. The total debt is more than 2 million, and now it is 1.5 million. My company is the same as my job, but my scale is relatively small. This is my way of working. High-quality big customers have high requirements, and they work for companies that work. Some small customers are not demanding, so they take over and do it for their own company. This can reduce the churn rate of customers, help customers to a certain extent and increase their income.
Maybe I am still optimistic! I believe I can pay off my debts in two years at most, and I can live a good life myself.
Therefore, the solution is always more difficult than it is. When we encounter problems, we should not always think about difficulties. We should find a way first. As long as you can find a way that suits you, you will always come out.
Come on, Sao nian!
At the same time, I also advise those who are struggling like me to believe in themselves. As long as you work hard, you will be worthy of your heart, and society will not ignore you. Your efforts will definitely be rewarded.
Hello, I'm Mr. Hiccup. For an ordinary person, the debt of 6.5438+0.3 million yuan is unimaginable, and the monthly income is only 5,000-6,000 yuan, which is simply a drop in the bucket in the face of huge arrears. Combined with my personal views, I would like to talk about some views:
First of all, it depends on how the 6.5438+0.3 million yuan is owed, whether it is because of gambling or business failure, or other reasons. If it is gambling debts, the first thing to do is to give up gambling completely. Gambling has brought a lot of harm to people. How many people lost their families because of this?
Second, how is the loan of 6.5438+0.3 million yuan divided? If there is usury, you must find a way to raise some money first, and then pay back this piece first, otherwise it will be bottomless and never satisfied. Others can be repaid in installments if they have credit card loans or loans from relatives and friends.
Third, we should admit our mistakes to our families, gain their understanding and support, and hope to get their help. In this world, at your most critical moment, only the people closest to you can be trusted. After all, blood is thicker than water, and they will never be destroyed.
Fourth, since such a thing has happened, we should face it bravely, be strong and actively try to solve it. Debt is not terrible, the most terrible thing is to lose confidence in life. The monthly salary is 5,000-6,000, which is far from being able to repay the huge debt of 1.3 million. To save face, do more part-time jobs after work, strive to increase income, and save one thing at a time, so that the pressure will gradually decrease.
See what kind of situation you are now.
1. 1.3 million yuan has no interest, and the creditor has not sued you, so you are allowed to keep 1.0 million yuan for living expenses, and the remaining 5,000 yuan will be paid off. Congratulations, work hard, and it will be paid off in 2 1 year. If you are 30 years old this year, 5 1 year old will pay off. If you are 40 years old this year, pay it off at 6 1 year old.
2. Interest of 1.3 million, calculated according to 24% stipulated by the court, was sued by creditors. You have to pay back 26,000 yuan with interest every month, not to mention the principal. Don't say that in this life, it is not clear to be reborn ten times. So there are only two ways, die or run. It's easier said than done. But it is best to run and stay in Qingshan, not afraid of burning without firewood. Life is worse than death, and we will wait and see. I don't know if you have seen the TV series Peng Pai. When Peng Pai launched the peasant movement in Haifeng and Lufeng, Guangdong, the landlords and bullies were very arrogant, and the farmers had a bumper harvest, and the land was mainly rented; Farmers get nothing, and landlords don't reduce rents. I really can't afford to pay the rent, bring people and land. No one has no land, just write an iou and promise a high interest rate. Year after year, many farmers became serfs. Now that the new social policy is good, slavery is not allowed. Otherwise, more than ten million "Lao Lai" in China 1000 may become slaves, and China may return to the slave society overnight.
Third, once you become a "faithless person", it may be even worse to be a slave in the future. Accused, enforced, and included in the list of "untrustworthy people", you can't stay at home, but you can only hide around with the reputation of "Lao Lai". If you want to pay off 1.3 million, you must earn 30,000 every month, and then you can pay off the interest of 26,000 and the principal of 4,000. Even if you can find a job with a monthly income of 30 thousand, you will have to eat and drink for 32.5 years before you can pay it all off.
Fourth, so, if you run, I understand you. If you don't run into a dead end, you may still have a chance to run. There is a famous saying that morality is nothing in the face of survival.
It's really hard to see what happened to you. In your situation, if you want to pay back the money by working, it may take a lifetime.
According to your situation, work is unrealistic, so you have to choose other ways to pay back the money. I have to choose a low-cost and high-yield project because I am currently in financial difficulties and have little ability to resist risks.
The simplest and most well-known thing is to set up a stall or sell breakfast. The advantage of selling breakfast depends on the situation, which basically means no loss. As for how much you earn, it depends on your ability and the position of the stall. Breakfast is something that everyone must eat, especially white-collar workers in big cities. They have no time at all in the morning, so they usually buy some breakfast on the way. When I work in Shanghai, I buy some breakfast on the way every day. The average price is about five yuan. I asked, if their vendors can earn more than 200 a day, they can earn more than 300. Buying breakfast is a good choice. You can think about it.
Stalls sell some popular daily necessities, or sell some strange and interesting things. It's best to sell some toys, because they have no resistance in front of children.
There are endless business opportunities on the Internet, such as the hottest little video project at the moment. It takes a lot of time and professional skills to run small video projects now. The competition is great and the operation is good. Once successful, it is not a problem to earn tens of thousands or hundreds of thousands a month. This project is more professional and the time cost is relatively large. Decide according to your own situation!
I owe 1.5 million, and I can't sleep every night. I think you must have your own connections and career to owe 1.5 million, which is why you owe so much. In fact, you owe 1.5 million just like I owe 50 thousand. As long as you integrate the contacts and resources around you and start over, your life will be better than the day before. People have unlimited potential, but they have not been forced to that extent. Believe in yourself, as long as you don't die, you will be rewarded one day! !
Congratulations, you are a smart and well-connected person. Otherwise, can you borrow more than 1 ten thousand yuan? Pay slowly! Take care of yourself. A healthy body will eventually melt more money.
Why should I repay the borrowed money myself?
How do you owe a monthly salary of 6,000 yuan 130w, mortgage? Use it to fool us poor people.
Hello, everyone. I am Tan, a young man from Yongcheng, a new creator. Welcome attention. A penniless person owes 6.5438+0.3 million yuan, but his monthly salary is 5,000-6,000 yuan. what should he do ？ At first glance,1.30 thousand is a lot, even if the monthly salary is 6000, it will take more than 18 years without eating or drinking, and life feels hopeless. However, there is always hope. Let's analyze it.
1. Prevent subjective bottomless pit. If you owe gambling and haven't made up your mind to quit gambling, forget it. Not only are you not clear about this foreign debt, but you will also owe more and more. If you have made up your mind and can really quit gambling, there is still hope to pay off 1.3 million. Desire is a bottomless pit. Only when you are subjectively aware of its harm can you restrain it and not be dragged down by it.
2. Prevent the objective bottomless pit of debt. If you owe usury, or that kind of debt with interest, you should try to turn it into a debt with low interest or no interest. For example, if you owe usury, you can borrow money from banks or private individuals first and turn it into a low-interest or interest-free debt, so that your debt is a fixed value and will not continue to roll over. This is to prevent the debt from tumbling because of interest, and objectively form a bottomless pit. You will never keep up with its tumbling speed, and you will never know.
3. Form a debt turnover circle. If you reach the first two items, you will have the possibility to pay off your foreign debt, but to really pay off this foreign debt of 6.5438+0.3 million yuan, you need to make a reasonable repayment plan and strictly implement it. Because you have a stable income of 5,000-6,000 yuan per month, you can start with people you are familiar with and borrow some small money from them, such as 3,000,5000 yuan, 10000 yuan, etc. Because everyone knows that you have a stable income, as long as you are honest and trustworthy, you can pay back the money in time within your promised repayment period, and as long as you have the ability to help you, you will form a small-scale debt turnover circle. As long as you keep your integrity, your turnover circle will become bigger and bigger, and more and more funds can be turned around. This requires you to be honest, be a man and be popular. As for how to make everyone willing to help you, it depends on whether you can behave yourself.
4. Open source and reduce expenditure. A monthly salary of 5,000-6,000 yuan, even if you don't eat or drink, you can pay off 654.38+0.3 million. It is really too slow to spend more than 654.38+08 years. Of course, you can't wait for that fixed salary to pay off your debts. You can use your knowledge, skills or labor to create extra income. In today's society, as long as you are willing to pay, there will still be returns. If you earn one more dollar, you can pay off your foreign debt one day earlier. If you earn money, you can manage your money. You are afraid of buying stocks. You can still buy low-risk funds and bonds. A little harvest is better than nothing, provided that the debt can't be delayed and the integrity can't be affected.
Besides, you should try your best to save money. Don't go out to eat, drink, quit smoking and forget other entertainment items. You should also take care of yourself and be careful not to get sick. In short, throttling is how to save money. After all, you are the one who has to pay the foreign debt of 6.5438+0.3 million.
5. stick to your initial heart and persevere. Although there are hopes and solutions, 654.38+0.3 million is really not a small sum. It is estimated that many people can't afford this long life of paying off debts. If you choose to escape, it is your own destruction; If you choose to face it bravely, the process is hard, but after all, there will be a rainbow to see after the rain. As long as you stick to your original intention and do it persistently, it is possible to pay off the foreign debt of 6.5438+0.3 million yuan, and life will never be static. Maybe the opportunity came and you just seized it. Not only is it possible to pay off 6.5438+0.3 million yuan, but it is also possible to earn another 6.5438+0.3 million yuan.
In today's economic society, everyone will have economic relations with others, and they will owe debts more or less, long or short. Debt is not terrible. The terrible thing is that you don't have the courage to face it. I believe there is always hope. Of course, we should always be vigilant in life, beware of falling into an unbearable "debt vortex" and lock the debt in a controllable range. There is an old saying in the countryside called "how big your feet wear", which is really a wise saying. Don't let debt ruin your life!