150,000, repay the credit card first, and negotiate with them to repay the principal in installments, within the scope of your financial ability; if you borrow, take the initiative to call the official customer service to defer the repayment for 1-5 years, online business loan, Internet loan It’s the same as a loan, explain the situation, and negotiate to repay the principal in one lump sum when you are able. Credit card lawsuits are more likely than online loan lawsuits. Work hard to make money and don't care if you don't agree with your negotiated repayment. You can earn hundreds of thousands in one or two years. If it doesn't work, just two more years. There will always be a time to pay it off. Ten million Don’t use loans to support loans, don’t tear things apart to make up for things.

Ask family, friends and colleagues to pay back the interest required as soon as possible, and pay back as much as possible. You can't pay it off, you can only pay it off in installments, pushing the time back. 150,000 is actually not much. If you live frugally, it will be repaid in a few years. However, I speak from the bottom of my heart, never borrow money beyond your ability. Once you fall into it, you will harm others and yourself. I am experiencing this pain first hand. You'll be able to get through this if you hold on to your money.

Life should be lived in a down-to-earth manner and based on one’s own ability. In this society, everything is fast food, everyone has become radical, information spreads rapidly, and there are always too many things about getting rich overnight. It seems that you can get rich overnight by just working hard? Is this really the case? Definitely not. To be successful and rich, you must have experienced a lot of hardships and failures. It’s just that we only see other people’s results.

I was influenced by my mother since I was a child, and I am very thrifty. Therefore, it always depends on how much you earn and how much you have the ability to spend. Although you may not be rich and powerful, there is no problem in your general life. Didn't have a bad time either. However, my lover is indeed a very ambitious person. Although he is very capable, his ability to control money is extremely poor. In order to get rich suddenly, you are desperate. It’s also a credit card, online loan, etc. I borrowed a lot of money to invest. In the end, he met someone unkind and was defrauded of all his money. It has been 3 years since I paid it back, and I estimate that one-fifth of it has not yet been paid. During this period, they asked me for money many times to pay them back together. The debt you carry may take you a lifetime to repay. Because of this, a home really is in name only. Because of his greed, he harmed himself and a family.

I hope that all those who want to get rich quickly but don’t have the strength will really open their eyes and see themselves clearly, and don’t regret it until they are unable to change or redeem themselves. Then it's too late.

There are too many divorces, disappearances and even suicides due to lack of money. Life is beautiful, you have to be a person who knows the importance and is responsible. First of all, only if you are worthy of yourself and your conscience, you are worthy of being loved [Handshake][Handshake]

Don’t worry, face it positively, this is not a problem.

However, it needs to be handled correctly according to the steps. The processing process is as follows: Send the previous answer again

Can’t go back to the online loan? Don't worry too much, let alone have any thoughts of suicide. These days, it’s definitely the uncle who owes money! What are you afraid of now that you are an uncle? Money is an external possession! Now that you've become a bitch, forget about the arch. It's not scary if you can't be a good guy. What's scary is that you can't even be a bad guy! Follow the steps I mentioned below.

First, figure out how much money you have borrowed and how much is the principal. No matter how high the interest rate is on any loan, the principal must be repaid. Don’t imagine that you can borrow money without paying it back.

Second, calculate your income and turnover, and figure out how much money you can use to pay off your debt every month.

Third, tell your family that there is nothing to be afraid of if your address book is bombarded. There are locked houses in the house, which are mentioned below. You must tell your family that if you fight as a family, nothing will happen. Moreover, the whole family hugged each other like a hedgehog, and no one could do anything about it.

After doing the above work well, the following steps are crucial! According to what I said, you might not even get a bad credit report.

The first step is to self-destruct, record phone calls, and proactively contact all creditors, (except for general mortgage loans), yes all creditors. Including bank credit cards and Alipay online loans, inform yourself that your financial situation has collapsed and you are unable to repay, and ask for an interview with you about the repayment plan. At the same time, you should inform each creditor of the creditor's rights of other creditors. If necessary, you can issue an official letter and keep the official letter receipt.

In addition, under normal circumstances, if the other party does not send someone, it will be said that the order of repayment is lower. This step is to tie all the creditors together.

Explain, whether credit reporting or other collection methods are aimed at malicious defaults, what is malicious defaults? Even if you don't pay back the money, and you are really in financial ruin, and you take the initiative to inform me, this is not malicious default.

The second step is to formulate your repayment plan. For example, if you can repay two thousand a month and owe four creditors, distribute it according to the debt ratio, and ensure that the repayment ratio of your own income is what you earn in the future. The more you get, the more you will pay back. At the same time, it is requested that interest be no longer calculated. Otherwise, it will never be repaid. If the other party does not agree, then continue to negotiate and negotiate endlessly. During the negotiation period, one hundred and eighty will be repaid every month. The creditors can even have a meeting to discuss how to distribute the debt, in terms of time or amount. In sequence? Or the order of repayment. Don't worry, they won't come up with any results from their discussion, and they will still have to do what you say in the end.

Explanation: Creditors can check and balance each other. If one party sues, other creditors will also sue. The result of suing together is that everyone agrees on a repayment plan together! There is an understanding here, which is what the court does. What the court solves is the issue of whether you should pay back the money. This does not require a court judgment. I accept the debt. I have not defaulted on the debt, but my ability to repay is limited. The result of the lawsuit is almost still a monthly payment. You keep minimum living expenses. Even during the negotiation period, each family would pay back 1,200 per month. They can't even sue you. The court asks him if he won't pay it back? You didn’t say you wouldn’t pay it back, right? Just accept it! Don’t default on your debt! The court asked again, "Didn't he give you money?" No, even if you pay back one dollar, you can’t say that you won’t pay back at all! If you think the repayment is too little, you can go back and negotiate.

As for the issue of good houses, some children have houses and may still be repaying the loan. If they ask you to sell the house and repay the loan, and you don't agree, you must go through prosecution and court judgment, and insist that all creditors be treated equally. In this way, the situation becomes complicated. A single creditor sues you, which requires first and second instance, and the court conducts an auction. This process can take a year at the fastest, or even a year and a half at a slower time. Moreover, it will have to rent you a house for six years and repay the loan in advance. This is a very frustrating process, but with multiple creditors and they cannot reach an agreement, this process is even more difficult.

Second, lock the house. This requires foresight. The first step is to do this when you realize that you may fall into an online loan. You go to your father, borrow 10,000, and pay it back at least five years later. There must be a complete and formal contract, and then mortgage the house and go through the mortgage registration. Your house is locked up with a mortgage, and your father won't sell you out.

Of course there is an easier way. If you are an only child, add your parents’ names to the house book.

The third step is to repay the loan on a monthly basis. As long as you continue to do so, you will be fine. If you have any questions, contact us proactively and do not lose contact. Slowly you will be on the hook

Coping with violent debt collection: Violence Collection is illegal, keep the evidence and call the police. I won’t elaborate on the rest, otherwise I’ll be suspected of teaching you how to be a douchebag. Let me tell you a story and experience it for yourself.

When the debt collector came to your door, he was surprisingly nice to the money owed. He was so nice that he kowtowed with tears and begged the creditor for more grace time. Then he hugged the debt collector's leg and called him daddy. According to common sense, most people can't stand it. The collection agents will leave.

After leaving, the person who owed money called the police and reported being threatened. They were so frightened that they hugged each other’s legs and called them daddy...

Finally, I would like to advise you not to get involved in online loans. If you want to owe money, just owe it to the bank. Aren’t banks just for debt? The bank will not mess around. The bank is not afraid of losing money. What it is afraid of is that the account will be bad and it will become a bad debt. The bank cannot bear the assessment. If you take the initiative to negotiate, the account will not be a complete bad debt. Following the steps I mentioned is equivalent to bringing all the problems to the table. , business is business! And the bigger the debt, the less you need to worry about, and you have to be a sincere pig with a very sincere attitude. The more sincere you are, the further away from the water you are. Moreover, I have seen creditors meeting and the atmosphere was very strange. One creditor had little money and told me that I didn’t want the money. I wanted to call the police for fraud and have the debtor be jailed for several years! Other creditors panicked.

There are also those who owe money and say, I turned myself in for fraud. After a few years in it, everyone can rest assured that I will not default on my debts. I will definitely make money to pay off my debts when I come out... Creditors say that you have not committed a crime and you are not a fraud! ...

Find Brother Tianchao on Douyin and ask him to help you pay off your debt

At first, your bank card will not be frozen if it is overdue. The first thing you need to understand is that if you want To freeze your bank card, you must have filed a lawsuit in court before it is possible to freeze your bank card.

As far as your current situation is concerned, there is still a long time before your bank card is frozen, but you need to be reminded that after overdue, what you need to face is the pressure of collection, rather than thinking about it. Bank card freezing issue.

It is recommended that you clarify your debt problem first, negotiate with the debtor, and see if there is a possibility of a second installment. This can greatly reduce your current debt pressure. And based on your current situation, I suggest you sell your stocks to pay off your debt first! After all, the stock market is risky, and it is not advisable to borrow money to trade in the stock market. Instead of putting the money in the extremely risky stock market, why not use it to pay off the debt problem first?

Although your bank card and stocks cannot be frozen when they are just overdue, you have to consider that debt collectors will not give you reasons. They currently only have one to ask you to pay back the money, and for this reason The purpose may not separate the means, so it is better to choose not to overdue.

If you are not sued, who will freeze your card? In your case, it hasn't expired yet. There are also stock deposits, so repayment should not be a big problem. If you really can't afford it, then don't take the road of using loans to support loans. If you take this road, you will go further and further.

Try to continue applying for a credit card if possible. Use credit card money to pay off these temporarily and save one or two for turnover. Ensure that your capital chain is continuous. Then go find an electronics factory and pay 8,000 to 9,000 yuan a month. If you work hard for two years, you can pay it off. This is what really happened to me. Let me tell you and see if it helps.

Negotiate. If we can’t negotiate, there’s nothing we can do, so whatever happens!

Let nature take its course, ask for legal help, and resolve everything through formal channels.

Work hard to make money. Only when you have money can you negotiate repayment terms with the lender, otherwise no matter how many negotiations you have, it will be a waste. Talking on paper is useless.