1, ask relatives and friends for help

There are too many debts to repay, so you can tell your family the truth at this time. Seek the help of relatives and friends to help you tide over this temporary difficulty and promise to pay back the debt slowly in the future. If necessary, you can also write an iou.

Step 2 sell off property

If you have a property or a vehicle in your name, you can sell the money first and then pay it back. These things can be bought later to get through the immediate difficulties first. This method can solve the urgent need, but it is also a last resort.

3. Open source and reduce expenditure

I want a good job, so that I can leave my money in my account and get out of trouble slowly. At the same time, we should reduce the usual living expenses. Don't spend it until it's finished. Do a good job of saving money and pay off the arrears first.

4. Negotiate repayment

Whether it is an individual creditor or a lending institution, first of all, don't evade the repayment problem. You always have to pay back the money you owe. Express your good willingness to repay, then explain your current situation, negotiate deferred repayment or installment repayment to reduce your repayment pressure. Generally speaking, if you don't repay the loan, you will agree to installment. After all, blindly forcing can't solve the problem well.