If your loan and credit card liabilities total 8, yuan and are overdue at present, you can take the following measures to solve the problem:

Detailed description:

1. Communicate with creditors as soon as possible: First, get in touch with your lending institution and credit card company and explain your predicament. Communicate in person by telephone or in writing, explain your current economic situation, and request to postpone payment or make an installment plan. Timely communication with creditors is the first step to solve the problem.

2. cut expenses and make reasonable repayment: review your consumption habits, cut unnecessary expenses and focus your funds on repayment. Give priority to those debts with higher overdue interest and more fines, so as to avoid accumulating late fees. Try to keep the minimum monthly payment, and at the same time pay as much principal as possible to reduce the debt.

3. Seek professional help: If you feel that you can't cope with this situation, you can consult a professional financial consultant or debt management agency. They can help you make a reasonable repayment plan and help you negotiate with creditors. Remember, asking for help early may provide you with more solutions.

Summary:

Facing the problem of overdue loans and credit card liabilities of 8, yuan, you can solve the dilemma by communicating with creditors, cutting expenses and making reasonable repayments, and seeking professional help. This requires you to take proactive actions and make a reasonable repayment plan. At the same time, you may get more support and assistance by maintaining good communication with creditors.

Extended information:

When dealing with overdue debts, it is recommended that you know the relevant laws and regulations of China to understand your rights and responsibilities. In addition, understanding how to plan personal finance and improve financial management skills is also helpful to solve the debt problem. You can refer to some famous financial books or consult professional financial institutions for more advice.

Note: The above suggestions are for reference only. Specific measures may be affected by personal circumstances and creditor policies. It is recommended to consult professionals before taking any action.