I left a comment under my article before.

But after she signed up on WeChat, I brought my own phone. To protect her, I didn't let it out.

What happened in the article.

I processed them all.

For example, people's names and places are all fictitious.

I also made up the time of the story line.

But the thing itself is true.

Sometimes I feel helpless.

I need to record my life, and these things happen at this point in my life.

Creation comes from life itself.

I don't write about my life.

What should I write?

Santu thinks what I wrote is very infectious. Reading my article is like chatting with me face to face.

She said, I have been afraid to look for you, and I don't know how to say my own things. Reading your article will make me calm for a while, but I will soon return to my old habits. Besides asking you about the debt, I actually want to have a chat with you. It seems that no one talks about my own affairs, and no one can understand my helplessness and pressure now. Now reading your articles every day has become my way to relieve stress.

I said that the purpose of chatting is also to find a way out for the problem, and we can't always be immersed in failure.

The story of three pictures.

I put it behind me on purpose.

If peace is a difficult model.

Then the situation of the three pictures is the hell mode.

In 2006.

Santu just joined the work.

She went out with her boyfriend.

The relationship between the two people has always been quite stable.

Until one day, they quarreled, broke up in a rage, and then left the rental house without anything.

And the result?

It never rains but it pours.

There was a minor car accident.

During the period of recovery, work also stopped.

For a whole year, I didn't make a penny.

In order to live, she applied for the first credit card in her life.

Later, my body recovered.

When I started working again, my income was not high. Only basic daily life can be maintained, and debts will continue to increase.

She recalled the key node of increasing debt.

In 2009.

I swiped the money from my credit card and opened a Taobao shop to sell clothes. Finally, because of inexperience, I lost a lot of money a year later.

In the next five years.

There is no other income except salary.

Debt continues to increase.

The deadline is 20 14.

She described her psychology. She is so short of money that she wants to make up for it. In an emergency, she made another wrong decision.

Follow the boss to leverage stocks and play futures.

In this way, the debt amount reached 500 thousand.

She also realized that this situation was unsustainable.

However, there is nothing I can do.

Sometimes even when I am alone, I imagine the day when the debt will break out completely in the future, and I keep praying in my heart.

Later, later.

Later, under the leadership of one of the boss's partners, she made a money tray with him, invested hundreds of thousands of dollars and lost all her money. In her own words, she was really ill at that time, and the more she tried to make money, the less she could make money. If she had been down to earth earlier, she might not be here now.

Last year.

She sold the house.

Remove the mortgage, leaving more than 200 thousand.

She wants to do something real.

I opened a studio with my friends.

Finally, because of the cash flow problem, she didn't stick to it. During the epidemic, she had reached the point where she had nowhere to borrow and no loans to lend.

She added that this debt composition is incomplete, and there is still a part that I don't want to mention the most, although it is not much. At one stage, I was addicted to gambling, playing mahjong, Mark Six lottery and online gambling.

In short, the past is unbearable.

She was in the early 1980s.

maiden

It is equivalent to dedicating your youth to lending institutions.

She has a job now, with a low income of less than 3,000 yuan, no skills and no diploma.

She said that when I was young, my father died and my mother raised me and my sister. When I was in technical secondary school, my sister was still in primary school. My mother was in poor health at that time, so I dropped out of school. Perhaps the greatest achievement in my life is to provide education for my sister. It's confusing to say so much, and I don't know if it's appropriate to say so I haven't said much to anyone.

I said, it doesn't matter, I feel comfortable when I say it.

She said that in recent days, I have been confused every day. I have been alone for a long time, and I seem particularly helpless when I meet something. Hesitation about the future, fear of collection, I wonder what will happen to them next? This is just the beginning, and the rest will expire completely.

I said that even if the income is too low, the current information seems to be completely overdue. I have been in my pocket 10 for many years, and my heart is so tired. Whether it's 700 thousand or 800 thousand. It is overdue first, and I will pay it back every year. Just thinking about it, you have completely deviated from your own path.

She said that a few days ago, I woke up every day and wanted to cry, crying when I walked, crying when I ate, thinking about ending myself, but I couldn't worry about my mother. During this time, I thought a lot. I'm just unrealistic. I always wanted to get rich overnight and settle all my debts, so I fell from one pit to another.

I said, fortunately, I didn't borrow much money.

She said, I don't like to talk and I don't have many friends. Most of the time, I carry everything by myself and don't talk to anyone.

I said, at your age, the focus of life should be on children.

She said that after the incident in 2006, I have been living alone. Refused to contact with people, and made several boyfriends during the period, but they didn't last long. I know it's my problem, because I can't trust him completely. Slowly, as I get older, I don't want to look for it anymore.

I tried to pull her back from her memory to reality.

After all, what I do is not psychological counseling, but debt counseling.

She said, I don't know how to face the collection now, and I don't know what will happen after the expiration. This invisible pressure is crushing me, and my heart is getting worse these days.

I said, your account has been overdue for more than two months, and you have also received one phone call after another. You can answer the phone more in the early stage, and don't answer it from the second or third month. Do your own thing with peace of mind, make money, save money, and pay them back one by one.

She said, I thought about negotiating repayment with the bank, but with my current ability, even if I negotiate, I can't meet their monthly payment requirements.

I said, for the credit card part, you can apply for stopping interest deduction, and you can increase your income while negotiating. It doesn't matter, it won't be a promise anyway.

She said, I have several cards, all exceeding 50,000. I am worried that they will sue me for fraud, and I am even more worried that they will violently collect money at home.

I said, that won't happen. Your card has been used for 10 years, and it's not as terrible as you think.

She said, I have never been overdue before, but I really can't stand it this year and don't want to borrow money like this again.

I said, if I woke up earlier, I wouldn't be here today.

In the plan, I still help her analyze.

What if there is no overdue?

If it is overdue, what will it be like?

In her current situation, the amount of debt is 70,000 to 60,000.

And her income is less than 3000 yuan.

Combined with her experience, there is no reason not to overdue.

Overdue is not the end of the world.

As I wrote at the end of yesterday's article.

The road to paying off debts is like playing chess.

Give up your chess pieces forever.

In order to achieve the final victory.

After the deadline, all possible negative effects are the chess pieces that we have to abandon as the first step on the road to paying off debts.

She read my thoughts.

She said that if I had known you last year, I would have done it your way.

I said, you have been in this situation for too long, and you have basically used up all available external tips.

She said, yes, so she also intends to completely overdue. In my case, in fact, I shouldn't invest again last year, let alone borrow online loans. I just want to turn around as much as possible, and when the investment income is recovered, the problem can be solved. This is so wrong. Wrong all the way. Your words will calm my mood and make me less anxious. If I am completely overdue, what is the worst result? What should I do about the collection of all platforms? Is there a platform for collecting more violence?

I said, at least stop loss from now on, and don't make the wrong decision again. The worst result is being sued, breaking promises, and then limiting high consumption. The collection does not distinguish which platform. If it is overdue, it will stand on the opposite side with them. Take it there.

Actually, she said more.

When I put myself in others' shoes.

Think of yourself as her time.

It's a sense of helplessness that suffocates me.

Helplessness does not stem from the amount of debt itself.

It is this debt that is too much, beyond one's ability.

It will make people lose sight of their heads in the short term.

Why is it so difficult for people who fall to get up?

First, all external hints have been used up, and no one wants to get close to a fallen person for fear of being dragged into the water.

Second, it may take three years to start a new sector. At the same time, starting a new sector under the pressure of debt will add a lot of weight, which is likely to smooth out the mood.

I sent a circle of friends yesterday.

When you don't know how to feel the fear of others.

Enlarge your present situation 10 times.

I feel a little.

To be more precise.

Capacity reduction 10 times.

Enlarge your difficulty by 10 times.

This feeling is what the other person wants to describe to you.

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1. The above names are all aliases except extraordinary.

2. One-to-one debt scheme consultation

I am extraordinary! I'll be here.

Accompany you through all the confusion, out of failure and towards hope.