1, try not to rob Peter to pay Paul. In order not to be overdue and blacklisted, I borrowed money from this online loan company to repay another online loan. Without any fixed income, we will only owe more and more. You know that the interest on online loans is very high, so try to find relatives and friends to turn around.
2. Increase their income as much as possible. Only by increasing their income can the problem be fundamentally solved.
3, the credit card debt must be repaid, once overdue, it will have a great impact on your future life. You can communicate with the bank a reasonable repayment plan according to your actual situation.
4. Go and see which online loans you borrowed are credit. You can deal with the arrears of these online loans first. As for online loans without credit or online loans with interest exceeding the national regulations, you can communicate with them and only pay back the principal, but you must pay it back.
Generally speaking, online lending is harmful. If you don't touch it, you must touch it. Once you come out, you must remember not to stay in the pit. Working hard to make money is the last word. Finally, I wish you an early repayment and a safe life! thank you
Hello, I'm glad to answer your question. Just now, someone asked a question similar to yours. He was in debt of 400,000.
Young people are all the same nowadays. I owed hundreds of thousands more than you before I started my business, including online loans, credit cards, relatives and friends. Now it's half finished.
In your case, every day is the repayment date. If you only owe money online, you can ask your relatives or friends to turn around and agree on the repayment date. Two or three years is more suitable. They don't charge you much, and online interest scares you to death. That's all that matters. In addition to their full-time jobs, they also do sideline business. Many people's sideline income is higher than their fixed salary. For example, if I have money, I have to repay the online loan first, and the sooner the better. Now that the online loan is finished, the credit card has been returned by the software. Don't overdue your credit card, the consequences will be very troublesome.
My credit card plus online loan is also more than 400 thousand. I lost money in business before, but it's not overdue now. We must find a way to keep the turnover. Credit card limits are cyclical. If it is overdue, it will form a chain reaction and will completely collapse! Let me talk about my turnover, because Alipay's loan 150000 can be used for recycling, and JD.COM Gold Bar's loan of 88000 can be used for recycling, so the loans in these two places can basically pay interest all the time every month. My interest rate is still relatively low and the amount is still rising, so this basically solves half of my loan. The quota of China Merchants Bank 1 17000 has been phased in, namely Guangfa 49000, CCB 34000, BOC 40000, and a loan of BOC 25000 and Zhaolian 22000. At present, these quotas are in circulation. It is important to keep some funds from large channels. Don't borrow too much and don't touch ordinary online loans. The interest rate is too high, so you currently have a job that is revolving first and then paying it back slowly. As long as it's not overdue, you can return it first! If it is overdue, many credit cards can only be returned and cannot be recycled!
Like you, there are actually many people in similar situations, whether it is credit cards or online loans. People originally wanted to temporarily turn over capital, or temporarily relieve economic pressure, or enjoy life in advance. No matter what the purpose is, don't forget to pay it back after all, and it is with interest!
In this case, it is easy for people to make ends meet unconsciously. In order not to be overdue or blacklisted, some people often take the way of robbing Peter to pay Paul, which seems to be passable, but it is not. Such people are actually in crisis. Once something changes, many people will find it difficult to deal with it!
So, here again, your total credit should not exceed your annual income as much as possible. If you use a credit card, my name should not exceed five. This is very important, so be sure to remember!
You said that you now have 400,000 credit cards and online loans, and you pay them back almost every day. If it's not overdue, it's lucky! You must consider how to increase your income. Only by increasing income can we fundamentally change our present situation.
Judging from this situation this year, most industries will not be too prosperous. If you want to have considerable income, I suggest you consider these two industries, one is self-media and the other is paid industry. Why should I recommend these two industries? Because these two industries have their own characteristics, the passive income brought by traffic is dubbed as income after sleep! Under normal circumstances, as long as you stick to it, the income of a year or so will be envied, and then the debt will be solved, so you don't have to worry about repayment every day!
Well, that's what I'm talking about. I hope it will help you and others in similar situations. Welcome comments and messages. [shake hands] [shake hands]
The situation is similar to yours, but my part-time job as a convenience store and social e-commerce in taobao guest is drawing to a close!
16 years, I lived very comfortably. Go to work and get off work every day, just thinking about how to play delicious! But it is this kind of life that makes my life circle full of people who love to play. There are all kinds of games. Suddenly one day, a friend said that playing this game (online gambling) earned more than 1000 yuan a day. I didn't believe it at first, but I really couldn't stand the daily information transmission. I slowly began to play with him. At first, I won more than 10, and one day I really won more than 1 1. I think I found a way to make money. Because I had won before, I thought I was just unlucky, so I began to study ways to win. As a result, I can imagine that I keep trying and failing. The more I lose, the more I want to make money. I told myself that if I won this, I wouldn't play. I started to apply for a credit card and borrow money from my relatives and friends. Finally, even the only wedding room my dad bought me took out a loan. People who live in the past are not ghosts. They only wake up when they have nothing to lose and nothing to borrow, but at that time they already owe more than 400 thousand!
I have no choice but to confess to my girlfriend. Fortunately, my girlfriend didn't give up on me at that time, saying that we would return it slowly together. I also made up my mind not to gamble, but the salary at work is not even enough, even the interest is not enough! Finally, my girlfriend collected 1.5 million from her house, and we opened a small convenience store. Bit by bit, it's been three years now. The basic debt is almost paid off.
Now that the money earned every month has been paid off, there is plenty of time in the shop. You can do a part-time job like social e-commerce taobao guest, and your life is basically normal!
Therefore, those who are addicted to online gambling are advised not to think about getting rich overnight or making money if they lose. If you have already lost. And you already have debts that you can't afford. I hope you can do some work in a down-to-earth manner, do some reliable part-time jobs in your spare time, and, like me, spend all the time you can to pay off your debts and slowly return to your normal life!
First of all, don't panic, don't worry, because the more you panic, the less you have a clue. Find a place to be alone, calm down and divide your debt structure. The money must be returned. After all, it is natural for fakes to pay back money. Don't try to escape. Then, according to your income, focus on credit cards with high repayment amount first. After all, credit cards are issued by banks. If you don't pay back more than 50 thousand yuan, the bank will collect or even sue you according to your overdue situation. In the matter of online lending, many companies have violated the rules. If you can't afford it, you can put it away. The collection shows that you want to return it, but you have no money now. It is estimated that a credit card loan of 400,000 yuan like you is also very expensive, so don't think about continuing to borrow online loans with loans, which will get you deeper and deeper, and online loans can't be touched. Stop and get ashore as soon as possible. Finally, the most important thing is to make money hard. After all, only when the income keeps up can the debt be paid off. This will help you, too.
Stop the rhythm of supporting loans with loans, find a stable job to ensure a basic life, answer the phone as usual, explain your current situation, and then find a sideline job as a part-time job, or try to find a project to start a business. From now on, you must think about how to make money, and you will never find a job. I hope the advice of people whose online loans and credit cards are overdue for more than one year will help you.
I have the same experience, but I have to face the reality. But when you have used all your relationships and connections and can't solve this problem, you should plan which repayment is urgent and which repayment is more. What repayment can be delayed? First, first of all, calm down, because no matter how you complain now, no matter how depressed you are, you should face everything bravely, stay away from negativity, and don't be influenced by negativity, because now things already exist and the facts are right in front of you. No matter how you complain, you can't change the present result, and there is no way to change it. Second, look for a job or a job first. First, you must have a certain source of livelihood and a certain income to solve the problem of food and clothing. Third, contact the debtor actively. Or Ji said, when you receive a phone call from the debtor, don't escape, put your mind right, explain your current predicament, and get the understanding and recognition of the debtor, because it is only natural to pay back the debt. This time is the time to show men's sense of responsibility, men's aboveboard, and men's big pattern feelings. Fourth, the monthly salary is distributed in a planned way. Pay back what is owed first, what is urgent and what can be negotiated first. Be careful not to turn off your cell phone. Fifth, bear the burden of humiliation, work honestly and conscientiously, don't be opportunistic, and especially cherish your present job. If possible, change to a well-paid job and firmly believe that your own affairs will be solved. I also believe that the environment will get better and better. We also thank the debtors for their help and support. With understanding, encouragement, progress and tolerance, we will get better and better.
Hello, you have such a friend who can understand your pain. The best way is to think about whether you have friends or relatives who are rich and have spare money. They will definitely help you, let them borrow more than 400,000 yuan at a time to help you pay off this debt. How much interest do you give? Write an IOU. Another way is to pay off the loan for one month first, so that you can spend a month thinking about how to make money and how to repay it. As long as you are not pulled, you will be able to turn over, and you will work hard, be responsible and be confident. Come on!
Used to be in debt of more than 400 thousand. I hope my experience can help you. Every day should be the repayment date. This bill is also a headache, and it took a long time to pay. The foreign debts are all my own making, so I have no choice but to bear them quickly and work hard on my own.
At this time, do you want to rob Peter to pay Paul? It will only get bigger and bigger, and the debt will not decrease. It will only make time to go back. We'll have to face it then. There's nothing we can do. You can tell your family to borrow some from your relatives and friends and return it first.
If it's overdue, your heart will be stronger. In the face of collection, we must be strong and discuss the repayment method with others. It's not that you don't pay it back, but you can't afford it for the time being, so you must face it positively!
Then you should keep yourself busy, find a regular job, ensure a basic life, and then take all the time except work, eating and sleeping as your sideline, so that you can have more sources of income. Only by increasing your income will the debt gradually decrease. At this time, you must work hard and persist. When you can't persist, think about your foreign debt, and you will be motivated, because that's what I have been insisting on, income. Come on, get ashore!
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