1. We still have a certain repayment ability, and we should prioritize the repayment according to our own situation. The debts owed by relatives and friends are wrapped in feelings, which are most common in borrowing money from each other. Out of trust, understanding, help and sympathy for the debtor. Lend money to a debtor without expecting a return. This in itself is the leverage of emotion. First, gain their understanding and trust, move with emotion, and then pay back when relatives and friends need emergency in the future.
2. The debts owed by financial institutions are the beneficiaries of interests. They borrow money as an investment, and if you borrow it, it is also an investment. If there is investment, there will be risks, so both parties need to share the risks. Without risk, there is no income, and high income has high risk. This is a normal logical problem. After the deadline, we will firmly negotiate the repayment of the principal, so as not to be afraid that the debt will never be finished in the future.
3. The repayment order is mortgage, car loan and credit card first, and then the bank's credit products, online loans and small loans. Then use a period of time before the prosecution to deal with the transfer of the house and car in time to pay back the credit card, or pay back the credit card loan after the house arrives. If the house and car are not handled and other credit card loans are overdue, it will be difficult to negotiate the principal repayment with the bank. After the prosecution, even if the court mediates, some banks will directly refuse to negotiate and demand a judgment. After the judgment, it will be very passive to apply for enforcement. If assets are not sold, banks or online lending companies will continue to give pressure to the judges of the executive court of the pressure court, and the judges will continue to put pressure on you or freeze the bank card. In the end, it can't be maintained. It's best to sell the house and go ashore before the deadline.
4. There is only one kind of inability to repay various debts that involves criminal punishment, that is, the credit card owes more than 5, principal, the information is falsified, and it is maliciously defaulted for a long time. Of course, if the amount is particularly large, some court decisions will be directly based on the principle of objective imputation, and as long as you don't pay it back, you will be sentenced, regardless of your subjective willingness to repay, overdraft purpose, credit card use history, etc. Therefore, before the extra-large credit card is overdue, you can directly contact the introducer at that time and contact the manager of the credit card center to negotiate the reduction of the principal (there are successful examples where the principal of 1 is reduced by 4, and only 64, is needed). The problem of refusing to execute the judgment or ruling, even if it is serious, is suspended, and the debt of credit card online loan can basically be ignored.
5. It's normal for interest and liquidated damages to keep rising. The amount in the court's judgment is false. That's just their bookkeeping method. For debtors, it's ok to remember the principal. No matter the negotiation before prosecution, mediation in litigation or negotiation after judgment execution, the goal is to repay the principal. Among them, pre-litigation negotiation can be divided into long periods, 12 to 6 periods, and mediation in litigation can only be divided into 3 to 12 periods. In addition, China Merchants Bank and Agricultural Bank generally do not give staging after prosecution, and only after implementation can it be divided into long periods.
6. Don't explain and waste time with the collection. They are the clients of an institution. If the principal is deposited, they must consult with the bank and the platform customer service. Although the collection can also be negotiated, they are prone to renege. Even if the negotiation with the collection is successful, they have to communicate with the bank customer service for confirmation before making the next step.
7. After the deadline, let go of the credit information, face, list of untrustworthy people, etc. Only when you let go will others respect you; The more you don't care, the more unaffected you will be, and others will look at you differently. Cars and houses are not important, but you can get them if you give them up. When you turn over and go ashore, you won't lack them, and all you have lost can be recovered. Be a strong and purposeful person, and move forward silently for the expectation of your family. Let go of the burden, adjust your mentality and live a good life now.
8. The collection has been punished, (1) using violence or coercion; (2) restricting the personal freedom of others or intruding into others' houses; (3) intimidating, stalking or harassing others. The law doesn't give them much power, they are just a shadow. In the past, there were some gray means. Now, with the standardization of collection in various places, most of them can only run more errands and get used to it.
9. It is very useful to prepare all kinds of low-income certificates, serious illness certificates, unemployment certificates and other certificates that affect family income, whether before litigation or after litigation. Try to save the principal by stages, actively respond to the lawsuit and participate in the court mediation of principal repayment. Make good use of every opportunity.
1. All calls are automatically recorded, and it is clearly told that the other party has been recording (failure to tell can not be used as evidence), which can be used as court evidence to file a counterclaim, so as to obtain court approval and reduce fees.
11. Cardholders who cash out through POS merchants for the purpose of cash withdrawal are generally not treated as crimes; However, if it carries out cash withdrawal through POS merchants for the purpose of illegal possession, it should be convicted and punished for credit card fraud.
12. If those who have no house or car do not have any other assets, the debtors may really be unable to pay them back, and they are not deliberately avoiding them. At this time, the bank will consider the capital, and the prosecution will have to pay the legal fees themselves, which will need to be recovered from the debtors later. Therefore, the bank's prosecution is also considered at different levels, and there is no specific standard.
13, so these people who don't have any assets don't have to bear other consequences except being harassed by a third-party collection agency? Will banks give up these funds to withdraw? Not necessarily, the bank appoints a third party to collect money for one or two years, and some banks even have three years. When the limit set by the bank is exceeded, the bank will choose to give up the money, package the creditor's rights at a very low price, and then transfer the creditor's rights by bidding. Theoretically, after the creditor's rights are transferred, you will no longer owe the bank money.
14. The third party plays an important role in collection. However, some third parties ask you to sign some documents, such as a waiver agreement, a repayment commitment letter, and some so-called personalized installment repayment agreements. We don't have to sign them. Even if we do, we have to read them carefully before signing them.
15, the collection intensity is the first: transportation, Xingye, Pudong, CITIC, Guangfa and Ping An; The second intensity of collection: China Merchants, Minsheng, China Everbright, and other private banks; The intensity of collection is the third: the five major state-owned banks, namely Bank of China, China Construction Bank, Agricultural Bank of China, Industrial and Commercial Bank of China and Postal Service, are the most influential. However, the prosecution rate of state-owned banks is particularly high and the speed of prosecution is very fast.
16. The most harmonious negotiation attitude is that the negotiation of CCB, Transportation and Pudong Development Bank is difficult, the staging plan is ideal, the number of staging periods is long, and the relief is relatively high.
to support loans with loans is to take advantage of the weakness of human nature. In order to save face by robbing Peter to pay Paul, the snowball of debts is getting bigger and bigger. Not afraid of credit reporting, foreign visits, lawsuits, enforcement and address book problems. Find a suitable reason, tell relatives and friends not to believe strangers, stop loss in time, and then keep it tacitly. It's no use crying over spilt milk. Worrying about it won't help. You can't repay it. Relax. It's no big deal. I'm strong enough to get out of the debt quagmire sooner or later.