After the article "I was in 1993, forced to divorce after 2 years of marriage, lost a child, and owed 200,000 yuan in debt?", I received a lot of messages in the background. I didn't expect that so many girls were facing such problems. A similar predicament where the husband concealed the situation, borrowed money from abroad, and was in debt of hundreds of thousands.

Xiaoqian (pseudonym) left a message on WeChat and told me that she never realized the problem would be so serious before reading the article and the messages from readers in the comment area.

Xiaoqian, born in the 90s, has been married for more than 2 years. After she became pregnant, her husband told her that she owed hundreds of thousands for playing online games (I guess it was related to gambling). Later she found out that she owed 60,000 yuan. Thousands.

Xiaoqian checked her husband’s credit report and found that he borrowed money from many platforms. At this time, because Xiaoqian was pregnant and her husband promised that she would change, she had no intention of divorce.

Then, Xiaoqian applied for a lot of credit cards and paid back the money to her husband. But now, she doesn’t know how to solve the huge monthly repayment problem, so she can only try not to think about it every day. So as not to affect the baby, she is now 6 months pregnant.

My husband is also very concerned about face. Neither his parents know that now, they have to pay a lot of interest every month.

I learned about Xiaoqian’s situation in detail. I have a house and I borrowed part of the down payment from a friend. I am not worried about the debt for the time being.

Her provident fund is used to repay the mortgage every month. Now that she is pregnant, she cannot work as hard as before, so she cannot rely on her salary. Husband, my monthly income from various sources adds up to nearly 10,000 yuan, and I still have to live.

Currently, both of them have no plan for this matter, underestimate the seriousness, and only think about how to make more money.

Now that the matter is over, Xiaoqian’s top priority is to solve the repayment problem first, complaining about her husband’s unreliability, and even deciding whether to divorce will have to be discussed later. In her situation, it is best for the two of them to be together and work together to solve the problem.

I have heard many cases of credit card debt, and I also know some solutions. I briefly analyzed it. If Xiaoqian solves it as soon as possible, she can still save it, but how to save it, I am not sure. So I called my lawyer friend Qiqi again and discussed the solution in detail.

Qiqi, I receive some legal aid cases every year, that is, young people are not sensible, owe too much on their credit cards, and cannot pay it back, so they are detained by the bank, and their parents are very helpless.

Qiqi, let me emphasize three points with Xiaoqian to prevent things from getting worse.

The interest on the credit card must be repaid,

at least the contact must not be lost.

Xiaoqian, I owe 600,000 on a credit card. If I don’t pay it back, the credit card will be involved. As long as the bank cannot be contacted, a report will be made in three months. Once the person goes in, there will be no chance. At that time, you have to pay back a lump sum and face a sentence.

With such a criminal record, the child will not be able to serve in the military or take civil service exams in the future. This is a stain that will be difficult to wash away throughout his life.

Many people are still missing. This is the ostrich state. Now that everyone is connected to the Internet, escaping will only make things worse. Xiaoqian told me that she has been repaying the interest so far, so there is no problem with this.

Even if you can’t get online one day, you can’t lose contact. It’s okay to pay a few hundred or a few hundred a month. The bank may call you to scare you, but it doesn’t really want anything from you. The purpose is simple, to urge you to pay back the money as soon as possible.

So, when you encounter such a situation, you must not lose contact and insist on paying back the money every month. As long as people are fine, there is a possibility of solving the problem.

Many people want to save face and hide a lot of credit card debt from their parents, hoping that they can solve it on their own. In fact, it really can’t be solved.

Because the interest rate on credit card installments is too high, it won’t be possible to hide it within a few months.

What is the actual interest rate for credit card installment?

Let me give you a rough example, which may vary from bank to bank. For example, if you owe 100,000 yuan on your credit card and pay it off in 12 months, the monthly principal repayment will be about 8,333 yuan. If you pay more than 100,000 yuan per month, If you pay 600 in handling fees or interest, the interest for one year is about 7,200 yuan, and the annual interest rate is about 7.2. But you didn’t borrow 100,000 yuan for one year, you only borrowed 8,333 yuan for one year. (I don’t know if I understand this correctly? I’m looking forward to someone who understands to give me some guidance.)

I have never done a credit card installment. I have read a lot of information on the Internet. Generally speaking, the interest rate is very high, far from it. Beyond our imagination.

At present, Xiaoqian and his wife do not want to tell their parents. They are more concerned about face. At this time, face is not important, and solving the problem is the most important. They must tell their parents.

Although Xiaoqian's parents-in-law live in a rural area, they still have hundreds of thousands in savings, which are pension funds for the elderly. They will ask the family to raise some funds and repay the 300,000 yuan first. They will make money in the future and then slowly pay back their parents.

In the cases that Qiqi received, many parents were very adamant at first and felt that they should not help their children pay back the money, but in the end they found a way to pay it back. Facing legal punishment, there was naturally nothing they could do. .

This is the best plan, and it is also an important and urgent matter that needs to be done immediately.

As for how two people can increase revenue, reduce expenditure, and repay money better? That's the next step.

The above are my suggestions to Xiaoqian, but I am not her, and I don’t know whether she can convince her husband. I can only encourage her to solve the problem quickly, that is, to fight against time.

Why do I keep stressing so much?

Qiqi is a very good friend of mine and the legal advisor of our company. We often play together. I have heard of too many cases like this. Many clients came to consult Qiqi. Qiqi explained the methods clearly and told them what pitfalls they could avoid.

Some people do not believe in professional lawyers. If you ask them to do 1, they will do 0.1 at most. Some clients are particularly good. If you ask them to do 1, they will do 1.2, and the problem will be solved at the minimum cost.

For those who can't solve it, after a while, the problem becomes more serious. If you ask again, things are even worse, and you seek a solution again, what does that mean?

Just like illness, early stage, middle stage, late stage of cancer, solutions and results, can the price be the same?

Don’t procrastinate when doing things, you must solve the problem. As long as you find a way to solve it, it won’t make things worse.

Xiaoqian is also always paying attention to all aspects of her husband's situation. She has stopped playing this game for a long time. Maybe she didn't owe so much money at the beginning. Maybe it was never really resolved, which led to her current situation. situation.

At present, after analysis, they have the ability to repay, but they need to resolve it quickly.

Xiaoqian’s situation is not an isolated case. Since I wrote this story, I have received messages from more than 20 girls in the background. Even if many of them have been solved, it is still very tiring.

I asked Qiqi how to avoid such a situation.

Qiqi suggested that when preparing to marry a man, a woman must pay attention to two points. One is her body. Whether she has suffered from major diseases, she must have a physical examination before marriage. Many people get married without telling the truth, but how long can they hide it after they get married? It ended up being worse.

The second is the economic situation. It doesn’t matter how much money the other party has, but it must not have foreign debt or get into bad habits.

I’m kidding, do you want the other party to provide a credit report?

Qiqi said that there was no need for a credit report. She could be more tactful and invite her boyfriend to apply for a credit card. As long as he could apply for it, it would prove that his credit report was OK.

If there is a problem with your credit report, you will be blacklisted. You will not be able to take high-speed trains, planes, or go to high-end hotels to spend money. At this time, you can also find some problems when you travel together.

If you really want to check your credit report, then invite them to check together and let both of you check it out. When we buy a house, we need to provide a credit report. People with credit problems cannot get a loan to buy a house.

I think doing these things is not to guard against anyone, but that we don’t have to guess each other and can communicate more candidly.

Finally, I would like to remind you not to lend your credit card to others, even if it is your husband, it should not be more than you can afford, and do not apply for large credit cards easily. If you use your credit card well, it can help us a lot. If you use it incorrectly, you will fall into a pit.

Has anything like this happened to you? Or do you have a better way to solve it? Welcome to discuss in the message area and give Xiaoqian some reference.

This is the end of the introduction about how pregnant women who owe credit cards are sentenced and what to do if they are sentenced and have credit card debts. Have you found the information you need?