With a debt of hundreds of thousands, I finally landed.

When I first graduated, I didn’t look for a job right away and spent all day consuming. The living expenses provided by my family had already been spent. If I had no money, I would just spend it. 4,000 yuan a month was just enough to satisfy my consumption desire. If you don't pay back the money, you will have to overdue it. Not long after, several friends got together to discuss how to make money. At that time, they suddenly thought about starting their own business. The three of us applied for credit cards and cashed out 500,000 yuan. I paid 100,000 yuan and rented a 200-square-meter house for catering. , due to lack of experience and the epidemic, the business became more and more bleak, and finally closed down. The money still needs to be repaid every month, so I should quickly find a job if I can pay it off a little bit. The salary of more than 4,000 yuan a month is not enough to pay back the 10,000 yuan every month, which leads to the overdue credit card. I often received calls from debt collectors. I was already worried about debts and faced a lot of stress, and I had to face debt collectors’ calls every day. At that time, I didn’t dare to tell my family about this because I was afraid that they would scold me and not be able to bear it. I didn’t want them to bear my burden. Same pressure. At that time, I was already in a state of collapse. I was about to face this cruel reality in my twenties, and I regretted everything I had done.

Later, a friend introduced me to a company, and I went to learn more about it. I felt it was pretty good. I was like this and couldn’t see any hope, so why not give it a try. First of all, they gave me a plan and enlightened me so that I would not be under so much pressure. Then they helped me negotiate with the bank. Finally, they reduced the unreasonable fees and solved the delayed installment for me, which was divided into 60 installments. In the end, I only had to pay back more than 2,000 yuan a month, which solved a lot of trouble for me. My salary of more than 4,000 yuan a month just took care of the repayment and daily expenses. The pressure was reduced a lot, and I saw hope in my life. I suddenly felt sunny. Bright.

Using small money to do big things, some people are greedy for small gains and think that they can go to the bank to negotiate a solution. You only solve a small part. I went to negotiate myself, but the bank was unwilling to negotiate. It took several calls before I was willing to negotiate. The installment negotiated at that time was too short and still not enough, so I had to ask professionals for help. They only charged a small amount of the money and helped me solve a huge problem for me.

Finally, I would like to say to all the debtors that those who are mentally strong and calm can find a quiet and pure place to face their bloody mistakes. If you can't calm down, you can find a job and think about it while doing it. The busyness of work can make people let go temporarily. No matter what method you take, the key is to let yourself settle.

Be sure not to turn over in a hurry. The success rate of decisions made in an unconscious state is very low, unless you go too far, which will make you fall more painfully again. All in all, to calm down is to prepare for the next time. Don’t panic and be impetuous, reposition yourself and plan well. These are not superficial, they must be the result of real introspection. Before you understand yourself, don’t try to start a business by yourself. That will only make you frustrated. You are getting deeper and deeper!

Leaving professional matters to professionals will get twice the result with half the effort, allowing you to return to a normal life and no longer worry about paying off your debts.

Come on, debtors, come ashore as soon as possible and embrace the sunshine together! ! !