The method of self-rescue is actually very simple. Nowadays, rumors on the Internet about how to pay back the debt are all spread by trolls hired by loan companies.

This means that you are directly overdue. If you are no longer able to repay, you can only forcefully overdue. Be prepared to be collected. Don’t worry, don’t be afraid. As long as you don’t say anything extreme, don’t worry too much.

Take a look at the credit report to see which ones are on the credit report and which ones are not. Don’t worry about the ones that are not on the credit report. Those who are on the credit report can just call and explain their current predicament one by one. If you have a credit card, you must do it yourself. Take the initiative to contact and explain your predicament. If you can, do it in installments. If you can't, you have no choice but to overdue it.

Finally, find a stable job, a stable income, save the money, and pay it back slowly, paying off the credit card first. If you don’t have enough money during this period, don’t pay it back here and there, or you will never be able to pay it off.

First, strengthen your inner strength and ensure a peaceful life. Tell yourself from the bottom of your heart that money is something external to you, everything will pass, and don't act excessively.

The second is to sort out what information and information you provided about the relevant people at that time, so as to reduce the harassment of the people involved and take preventive control.

The third is to sort out the details of the loan, explain it clearly to your family frankly, and do preventive work.

The fourth is to consult a lawyer to find out which amounts are due to be repaid, make a repayment plan, and communicate with the platform.

Fifth, if you encounter unreasonable demands or threats, report to the police immediately.

If you don’t have money, you can make it again. It’s a reality that you can’t make it for the time being. There are no hurdles that you can’t get over. Just try to solve the problems you face.

Forced to go ashore! When looking for a job or a part-time job, I am the same as you. First, confess to your family that the people who care and worry about you the most are your family. If you can pay back part of it:

⒈Repay the credit card, If you still can't pay it off, go and negotiate with them for extension or installment. After all, banks and formal platforms are responsible for the credit report. If your credit report is bad, it will have a great impact on you!

2. If you are actually borrowing money, negotiate with them for a repayment time. Those who can help you are noble people who believe in you. Even if you don’t have the money to repay it now, you might as well plan it and give it to them. You can't let down the people who believe in you and help you by paying it back in one time or in installments!

⒊For online loans with high interest rates exceeding 36 per annum, you can finally repay the principal plus a little interest, and collect the loan bills and evidence of collection! If there is violent collection, please call the police!

The above is my own method, please don’t criticize if you don’t like it! Thank you

I'm sorry that this issue needs to be discussed with your parents

Why are you regretting it when you only thought about raising this issue?

What did you do earlier? Sorry, I'm not your father. I don't need to believe you, so I just told you.

Is it over? Then borrow money like a dog that can't change and eat shit.

My suggestion is that you can borrow money from your parents in installments, but not in installments. Remember to borrow money and pay it back first. If it is a loan shark, there is no need to borrow money directly in installments. Return

No matter why you borrowed so much money

But what is certain is that the money must have been squandered for enjoyment

Then subvert your own Life

Do less of the things you loved most in the past

Spend more time in life

Slowly appreciate the beauty of life

Pay back the money slowly

It can also make it easier for you to quit certain addictions

Develop a good living habit

The most taboo thing is to ask your parents directly for money Money

Why should someone help you pay it back if you caused trouble for yourself?

You just throw it away and borrow it again?

I have been involved in online loans for 5 years and used loans to support loans for nearly 4 years. I invested more than 500,000 yuan in interest, but in the end it completely collapsed. At the beginning, I was afraid of debt explosion and violent debt collection, so I just kept holding on and holding on. By April 2020, it was completely unsustainable and debts exploded. Currently, in addition to credit cards, I owe 15 online loans, totaling 630,000, which is eight months overdue. 1. Use loans to support loans and support through hard work

The first time I used an online loan was in the first half of 2016. Later, when repayment was tight, the east wall was demolished to make up for the west wall. After more than three years of development, the situation has deteriorated to the point of being riddled with holes. At present, my online loan situation is as follows:

Alipay (Huabei, Jiebei) 280,000. Weili Loan is 40,000. Jingdong (white bars, gold bars) 40,000. China Merchants Union 22,000. If you have money, spend 50,000. China Post 40,000. Yiren loaned 100,000. Random loan of 15,000. and a loan of 30,000. Paipai loan is 5,000. Flash silver 0.5 million. Hengchang 15,000. 36.03 million.

I have borrowed from many of these platforms two or three times, and the repayment period for one loan is one year. For example, on "Ji", I borrowed something and paid it back, and then borrowed it again, three times. 2. The interest snowball is getting bigger and bigger

2019 was the peak period for my repayment. Almost every day was a repayment day. When I was under the greatest pressure, I had to repay more than 60,000 yuan a month. After the debt broke out, the company talked to me and asked me how much money I had invested. To be honest, I have a confused debt in my heart. Every day when I open my eyes, I just think about how to pay it off.

As for repaying a lot of money, a lot of principal, and a lot of interest, it's all confusing because there is no energy or thought to calculate it.

Now, 8 months overdue, my mind is gradually calming down. Looking back on the experience of using loans to support loans for more than three years, I conservatively estimate that the interest I paid back would be no less than 500,000.

I currently owe 630,000 on an online loan. The previous figure was larger than this. Because I was afraid of being overdue and having my address book exploded, I struggled hard to raise funds everywhere before the deadline. During that period of panic, I also fed about 200,000 yuan into it.

These online loans have lower interest rates, around 20. Those with higher interest rates are above 36. It's a bad debt now. I can't calculate it clearly. I can only make a rough estimate. The interest involved is so much that it makes my heartache just thinking about it. 3. The economy was exhausted and I was forced to go ashore

In April 2020, after struggling hard, my economy was completely exhausted and I no longer had the ability to repay the loan. At this time, I was forced to go ashore. Thinking about it now, forcing them to go ashore was the right choice, but it was too late. Because you are struggling in the quagmire of online loans, it will be difficult for you to turn around no matter what, and the interest rates are so high that they can drain your income.

I often see on the Internet that some netizens say, "It is only natural to pay back debts. You voluntarily borrowed it at the beginning, and now you must repay it truthfully." I want to say that this is a typical foolish and loyal thought. . Not to mention, when borrowing for the first time, many netizens did not know the true interest rate behind online loans. Taking the "Ji" I borrowed as an example, the comprehensive annual rate written in the contract is 35.9. At that time, I didn’t know that the real interest rate behind the repayment method of equal principal and interest would be so tricky. Besides, even if you know, acquiescing to the damage caused by illegal behavior is not the first time, it means that you will not be able to achieve justice in the future. The Qing government signed a treaty that was humiliating and humiliating the country, which is the best example.

Now, my idea is to work hard to make money and pay off the credit card first. Wait until the credit card problem is resolved, then go back and negotiate with the online loan platform for repayment. I still want to fill the hole I dug.

Finally, let me briefly answer your questions. Trapped in an online loan and unable to repay, how to save yourself? Combining my personal experience and summarizing my painful lessons, when you are trapped in an online loan and unable to repay it, forced entry is the only correct choice. Don’t be afraid of debt collection, because debt collection is inevitable. Concentrate and work hard to make money, and when you have saved enough money, you can then go back and negotiate one by one.

So, do you know how much interest you have spent on online loans over the years?

It is easy to get a loan, but it is difficult to get a loan. Nowadays, it is very common for people who owe online loans. Many people have no choice but to take out online loans because they are short of money. In the end, they are in debt because they are unable to repay it. However, it is not easy to get a loan. Difficult, it can be solved by paying off this debt, but if you encounter a situation like yours that cannot be repaid, you must first understand the situation of online loans and then do a comprehensive analysis to find a solution. For example, whether the number of tens of thousands of online loans is one or multiple, whether it involves irregular loan sharking platforms or formal platforms. If it is irregular, you can delay it, but if it is formal, repaying it first can also reduce the impact on you.

To put it bluntly, the informal platform means that no matter how you repay it, the debt will get bigger and bigger, and the interest will exceed 36. These online loans are not within the scope of national protection, so you can not pay it back first. Formal Just repay it first, because you want to avoid your credit blacklist. Regular non-repayment will also make it difficult for you to get a loan later. So what are the other methods besides forced disembarkation?

First, minimum repayment. Try the minimum repayment first, and then do a few more part-time jobs, so that the income from work exceeds the interest repayment, so that you can pay off the debt. Especially for formal online loan platforms, you must actively repay, after all, once your credit report is stained , it will take five years to clear it after repayment, and it will be difficult to get a loan within five years.

If some platforms do not support your minimum repayment and even explode your address book, actually let it go for a while. It is best to repay it with a platform that can be negotiated. It is better to reduce it a little, but if you owe a few If it is just an online loan company, there is still a chance of negotiating repayment.

Second, borrow money and repay it. Debt transfer, after all, if you don’t repay it in the end, your address book will explode. At this time, it is better to borrow money directly from relatives and friends, and repay as much as you can, avoiding the continuous rolling of interest. On the contrary, the later repayment will be very passive, while relatives and friends borrow money The money will be paid back slowly later.

This situation is the best way, because at least the period of debt owed to parents, relatives and friends can be extended. If the interest owed on online loans is large, it is not forced to go ashore for the time being. Consider whether there is anyone who can help you.

Therefore, a debt of tens of thousands is not much. If you are unable to repay it, take care of the debt first and see if there is anyone who can help you, or work to earn more wealth through your own efforts. Pay down debt.

If you are unable to repay the loan, your credit report will be nothing. Travel lightly and work hard. If you have money, anything can be done easily. Even if you limit high consumption, it is also a good thing. Being diligent and frugal in collecting money is a fine tradition of our country. Do not follow It is good for you to deal with banks.

The country has liberalized the Internet and has defeated some Internet giants. However, the whole society has been flooded with fakes and chaos; teenagers are addicted to online games and have no intention to study, which seriously affects their body and mind. Health; online gambling has caused so many people to lose their will and become deeply in debt and unable to extricate themselves; online lending has become even more wanton and has caused many families to lose their lives.

We strongly call on the country to quickly and strictly control the Internet, strictly prohibit online gambling, and severely punish online lending! ! !

If you owe tens of thousands of yuan in online loans now, there is still some way to save you. Now you can come to shore and turn around. In fact, if you now owe tens of thousands of yuan in online loans, there are still ways to deal with it. You can follow the following methods to get you to shore. .

(1) Increase your own income

Now you owe tens of thousands of online loans and you have no ability to repay them. It is very difficult to increase passive income. You can only increase your own initiative. Income. Active income means using your own abilities to work with peace of mind and earn money every month. For example, you can change to a higher-paying job, or work two jobs, which is the most direct way to increase your income. As long as your income is higher, your ability to repay debt will be improved, and you will slowly be able to get on board.

(2) Seeking help from family members

Nowadays it is not difficult for a family to come up with tens of thousands of yuan. Since you are no longer able to repay, you can seek help from family members. Help is also possible. You can first borrow tens of thousands of yuan from your family and then pay off the online loan. This allows you to pay less interest, and at the same time, your personal credit record will not be stained. This is to kill two birds with one stone, and then you can slowly return the money to your family again.

(3) Online loan repayment in installments

Pay your tens of thousands of yuan in installments, explain your personal situation clearly to the online lender, and then tell you to repay in installments , as long as you are willing to repay, they very much hope that you will pay in installments, so that online lenders will make more money. Making money for online lenders means that you need to pay more interest. There are gains and losses. You only use the interest money to reduce the repayment pressure.

(4) Legal online loans first, then illegal online loans.

Nowadays, online loans are of all kinds. Not all online loans are legal. There are also many online loans. Illegal individuals or institutions provide housing loans. All you can do is analyze what you owe to the major online lenders. If it is legal and your credit report is overdue, you can repay the money first. If the online loan is illegal, you can put it off and give yourself a buffer. opportunity. For example, if you owe 50,000 yuan, of which 25,000 yuan is from a legal financial institution, and the remaining 25,000 yuan is from an illegal institution, you can slowly pay off the 25,000 yuan from the financial institution first. This is also a kind of solution.

Based on the above four methods, you can choose one or two methods to pay off your debt according to your own situation. Only when you successfully pay off all these debts can you truly Only by getting rid of the debt-ridden days can we truly climb ashore.

I, who was born in 1987, once owed 300,000 on my credit card, and now I have less than 100,000 left. I am working hard to pay off the debt...

Let me tell you about my personal experience.

I graduated from college in 2009. Because I majored in automotive electronics, I found an internship job as an apprentice in an auto repair shop. I was responsible for food and housing for a month, and my salary was 300 yuan. Although the boss initially said he would take care of food and housing, he later changed his mind. He only gave five or six people a few yuan a day to buy steamed buns, and then wholesaled several hundred kilograms of potatoes. They ate potatoes three times a day and bought them as soon as they were finished. Several hundred kilograms of cabbage, eating the same vegetable for a month or two, makes us want to vomit when we see potatoes and cabbage. Because there was not much work in the auto repair shop for a day and I couldn't learn any skills. I persisted for half a year and couldn't stand it any longer, so I quit my job.

The next step was to look for a job, and then I received a recruitment call from Ping An Insurance, and that’s when I stepped into the insurance industry. I just joined an insurance company and am a foreigner. I don’t have many relatives or friends in Jinan. In addition, I am relatively introverted and not very good at talking about insurance with others. After a few months, although I worked very hard, my performance was not good. Seeing that I had no money to eat, and I was embarrassed to ask for money from my family again, I wanted to get a credit card for emergencies. So, I applied for my first credit card in my life. As soon as I applied for the credit card, I was relatively restrained. I only spent a few hundred yuan every month, and I would pay it back in time next month. But as time goes by, my income gradually increases, and I spend more. I feel that swiping a credit card is very convenient, but gradually I can no longer control my consumption. As long as I see something I want to buy, I don’t think about the price and just swipe my credit card. Later, I had more and more overdrafts, and I found that one card was not enough, so I applied for a second and third credit card. I applied for more and more credit cards, and the limit became higher and higher.

Later, Ping An Bank came to Jinan. As employees, we could apply for credit cards for customers, but the commission we received from applying for the cards had to be transferred to our Ping An Credit Cards, which required us to also apply for credit cards. You must have a credit card from Ping An Bank. In addition, as employees, Ping An Bank's credit card policy is relatively loose for us, and the limit increases very quickly. Soon the quota was adjusted from 5,000 to 25,000, then to 50,000, and the temporary quota was increased to 100,000.

Fast forward to 2013, I made some investments with a few colleagues and jointly opened an information consulting company. To put it bluntly, it was a small loan company. We found a few wealthy customers, and then Find a few customers who need loans and help match them. Just like P2P later, but there were not many P2P at that time. After we made a few deals, we also made some money. I am getting bolder and bolder, and the amount I put out is also getting bigger and bigger. We are not satisfied with using customers' money to earn benefits, so we want to invest some money ourselves, so we can earn more. So, each person contributed about 100,000 yuan. At that time, we lent the money to a paper mill. Adding the customer's money and our own money, we borrowed 1.5 million yuan. As luck would have it, there was a problem with this loan. Due to poor management by the owner of the paper mill, the mill went bankrupt and we would not get our money back. Although the boss went bankrupt and ran away, the customers who invested here asked us for money. We had no choice but to pool together another 200,000 yuan each to make up for the customers' losses. In this way, plus the original investment of 100,000 yuan, each of us has a debt of 300,000 yuan.

Because all the money I scraped together was overdrawn via credit card, I thought it would be fine if I paid it off in installments over time. Who would have known that in 2014, the country tightened its credit card policy, and the temporary limit on Ping An's credit card was gone, so the credit card was renewed. When I first started renewing my credit card, I was very worried. I received dozens of collection calls a day. I explained to them calmly and promised them that I would definitely pay them back, but how could they listen to you?

Later, as time passed, my family also found out about this, and they helped me collect tens of thousands of yuan and paid some back, but this could not solve the fundamental problem, and the collection calls continued. I'm tired of explaining to them that I answer the phone if I'm happy and don't answer if I'm not. Later, the phone calls became less and less, and I paid back as much as I could every month. Now, including the repayments from my family, I have repaid more than 200,000 yuan, and there is less than 100,000 yuan left. I feel like I have finally seen the light of day.

Having said so much, let’s talk about what we should do to save ourselves when we are in debt and unable to repay it.

First of all, we should not lose confidence. Only when we have confidence in ourselves can everything be hopeful. We must not be frightened by debt. No matter how much debt we have, it is just a number. As long as we work hard, we will be able to pay it off one day. We must know that if we have the ability to owe so much, we have the ability to earn so much.

Secondly, we must clarify our thinking, distinguish our debt situation, and make a repayment plan. If you can negotiate with them, try to negotiate the repayment. If you can't negotiate, try to repay it in advance. As long as you plan well and complete it step by step, the debt can be paid off.

Finally, we must change our bad consumption habits and open up resources and reduce expenditures. Not only do you want to cut down on unnecessary expenses, but you also need to find more sources of income. Only by spending less and making more money can you pay off your debt faster.

This is my understanding of repayment. I hope it can be helpful to you. I also wish you can get rid of debt as soon as possible and achieve a turnaround in life.