Tricks to confess your debt to your family and you will be forgiven.

Introduction: Many people enjoy spending in advance. Without a car loan or house loan, it is nothing new to be burdened with debt. The amount of debt owed is relatively large, and family members cannot hide it over time, so with What are the techniques for confessing debt at home? Let’s take a look at the relevant information.

Tips for confessing debt

1. Find a suitable time. If you owe money to someone outside, it's best not to hide it from your family. You must find a suitable time to confess to your family. Frankly, timing is really important, because only by doing the right thing at the right time can you achieve better results. If you want your family to forgive you faster, it is recommended not to confess when your family members are angry. This will add fuel to the fire and make things worse.

2. Don’t hide anything. When confessing to your family that you owe money, it is recommended that you tell it all truthfully. Don't be coy or hide anything. After all, you have done something wrong. You must have the courage and determination to regret it. The more you conceal, the more likely you are to go back. The less understanding I get from my family.

3. Explain the reason why you owe money. When you confess to your family that you owe money, you must explain the details of the money you owe, the reasons why you owe money, and your mistakes. Only when the explanation is in place can your family better understand the whole story of the matter. Only by understanding you will they be able to support you or help you pay back the money.

4. Sincere attitude. If you have done something wrong and confess it to your family, you must put down your attitude and not be allowed to be insincere. After all, your family will only feel comforted and understood when they see your sincerity.

5. There must be a desire to repent. It is said that no one is a sage, and nothing can be done without making mistakes. Making mistakes is not something to be afraid of. The fear lies in not correcting your mistakes. Therefore, if you make a mistake due to your own reasons, you must repent. Only by correcting can you win the favor of your family. Forgive me, after all, no one can tolerate making mistakes again and again, right?

6. There must be practical actions to take responsibility for mistakes. Correcting mistakes is not just verbal words, but requires practical actions. If you really owe a lot of money due to your own mistakes, then you must have the courage to make corrections and put them into practical actions. Use practical actions to make up for your mistakes.

How to save yourself if you owe 200,000 yuan

1. Adjust your mentality. No matter what the reason is for today's situation, it is irreversible. No matter how much you blame others or blame yourself, it will be in vain. You can only face reality. Since you can't change reality, then face it calmly. With a good mentality, you can work steadily and achieve great things in the future.

2. Sort out the current debt situation. Which banks are owed and how much is owed. What other assets in your home can be liquidated? Be aware of it.

3. Borrow money from relatives and friends. People under the eaves have to bow their heads. Although I hate borrowing money, at this juncture, I am at the end of my rope and there is really no other way. I just have to put down my posture and ask for help. I will write down a list of all the relatives and friends who I think can borrow money, and visit or call them one by one. Tell them the truth truthfully and hope they can help me. Be sincere when borrowing money and tell them they will write an IOU and pay interest. It is difficult to borrow money now, so I will lower my psychological expectations and be prepared for not being able to borrow money. Anyway, a dead horse is a living horse doctor, so you can borrow as much as you can.

4. Give priority to repaying banks with less overdue loans and smaller credit limits. After liquidating assets and a round of borrowing, I think I can more or less get rid of some small credit card debts.

5. Take the initiative to negotiate with the bank. Call the card department directly, truthfully inform the status quo, request interest-free hanging accounts, and apply for principal repayment in installments. I just asked the bank to waive all the overdue interest and give me a few years to repay the principal. This process may be difficult to communicate, and may be a tug-of-war. The customer service girl is usually unable to handle the situation and simply asks her superior to answer the phone. During the negotiation process, there was no further repayment and I had no money to pay back. After some research, some banks may be able to negotiate a result with you, which is the best. However, the result of some banks may be that the monthly repayment is still greater than your repayment ability, and some banks directly refuse to agree to your request. Anyway, various situations may exist.

6. Be prepared to be collected and sued. At this point, I am still a salty fish anyway. I have no money and only my life, so I am waiting to be collected and sued.

The bank will usually package the payment to a third-party company for collection, and the calls will usually be answered non-stop. The response plan is, I have to answer the phone, I am willing to repay the money, but please give me time, I can't pay it back in one go and can only pay it in installments. *** Let's negotiate a repayment plan.

Warm reminder: When confessing your debt to your family, you should tell the truth and truthfully in a sincere manner. This may gain your family’s understanding, and you will need to find a way to solve it later.