I still need to tell you something about me briefly. I am now in debt of more than 500 thousand. As a person from a rural family, a person in his thirties and a family with two children, I was overwhelmed by this huge debt and even had the idea of suicide.
In fact, a large part of the debt of more than 500 thousand is caused by online loans, usury and usury.
When I owed tens of thousands, I began to worry, afraid to tell my family, and always felt that I could pay it back. In order to solve the immediate problem, I have to tear down the east and make up the west. In this way, I rolled for several years and rolled out a big hole, a big hole that can eat people.
In recent years, the Spring Festival has been miserable. On the one hand, I dare not let my family know. On the other hand, I have to deal with debt collectors. I tried everything to keep the debt collectors from finding their homes.
At the beginning of this year, there was really no way. The whole person is going to collapse, and there is a feeling of insanity. My family found out what was wrong with me and had no choice but to confess.
Rural families, poor for my parents, have also brought trouble to my family. They made up a small part for me. Although they only solved part of it, they pulled me back from a dead end. I really want to thank my parents for giving me another life.
My wife was very angry and disappointed, but she finally promised not to leave this house, for the sake of children and feelings, and promised me a chance to change.
But I know I still have a lot of debts.
I earn thousands of dollars a month by working, and I wonder if the Year of the Monkey will be returned.
It's their own fault. People who are in debt are more intuitive than those who are guilty.
If you make a mistake, give it a chance and you must change it.
"Life hangs by a thread". You must work hard if you want to live. Seeing that everyone is going to miss me again, you are confused and helpless. What should I do? How should I live?
I think it's time to adjust my mentality and plan my present. The road ahead is confusing, and worst of all, we are a person without faith, and our family is restless.
Therefore, before it becomes the worst result, we should keep a sincere heart, negotiate if we can, find a way if we can't, and admit if we can't figure out a way.
There is no better way, so I dare not think about the future, but at least I am free now and try my best to solve some problems.
Don't live in fear every day, it will lead to more and more trouble.
At least be firm in yourself, and you will stand up again one day. Try to be optimistic and do your best. It is better to live hard than to die.
I am like this now, looking forward to the appearance of the noble people, looking forward to the turn of fortune, and being glad that I have lived another day.
Also let me work hard and make money, which is my greatest gratitude!
Come on, my friends, in the case of a dead end, ask for a way out! Look at the world optimistically, look forward to the bright future, and strive to do a good job in the present. This is your biggest way out.
My wish is that in 2020, I can spend another year like this year.
Don't hold such a mentality, you always have to pay back the money, or you will be unable to move after getting the credit report. In this era, as long as you are willing to work hard, you can make money. Let me give an example of my friend. He owes a professional chef more than a million dollars. He sold the house first, and paid back several hundred thousand yuan. Then the chef worked 6500 yuan a month during the day, went to other restaurants at 9: 00 p.m. and delivered food to vendors at 5: 00 a.m. 1300, and couldn't sleep for several hours a day. Now people have paid off their money, made down payment and bought cars. As long as you are willing to work hard and don't give up, there is no hurdle. If you really give up, it will lose its value in the future. Come on, brother [strong] [strong] [strong] [strong]
I owe 500,000 yuan to banks and online loans, and my income from working has been unable to repay. What should I do? In view of this problem, I can talk about my suggestions from the following points, hoping to help you.
First: first of all, you should reflect on what causes it. Many times, you put a large part of yourself. Let me talk about your mentality first. Everyone knows this. Why are you still talking here? Because if a person in debt is in a bad state of mind, prone to collapse, give up on himself, and some even do stupid things, only when he is strong inside can he successfully get out of this dark period.
Two: You owe banks and online loans. Now it is estimated that you are overdue. Banks and online loans will burst the address book, send a lawyer's letter, send a formal document and other means to let you repay. The collection in the first three months will be fierce. At this time, it is more difficult for you to negotiate with them. If a third party collects money, you must give them an impression that they have a strong willingness to repay. Don't negotiate with a third party, go directly to the bank or online loan company.
Three: You said that you can't return your job now, but it's not that you can't return it at once. I suggest that if you don't have a job, you can find a stable job first and pay back your living expenses every month. According to the law, citizens have the right to life and health, at least to live first. People are gone, who wants to return them? Banks want money, not death. You must understand this.
Three: I suggest that if you have your own assets, you can sell them and pay back some of them first. If you don't have a job now, you will not be able to repay them. In case the bank really sues the court to enforce them, it will not survive. What you are considering now is not the problem of black credit reporting, but how to do it well in the shortest time through hard work. If you are really sued and seriously respond to the lawsuit, then you really can't afford to lose money, and you can't be a faithless person, because only those who don't pay back the money are faithless people, that is, Lao Lai. This ultimately depends on the court. Many dunners always send messages saying that they will break the contract if they don't repay, that is, they are lazy, and some will freeze their property. This is not a person's decision.
Four: At present, the country is promoting the introduction of personal bankruptcy law, which is good for people who are in debt, but it doesn't mean that you don't have to pay your debts. It is wrong to meet many inquiries and wait for the introduction of the personal bankruptcy law. If the personal bankruptcy law is promulgated, it will be exempted, and you will have to pay it back then. Personal bankruptcy law is an opportunity to start again without money, and those who don't pay back the money will eventually be punished by law.
Finally, I advise that these excellent traditions of diligence and thrift are the correct atmosphere in today's society. Only by paying debts hard can we really go ashore. The next thing you have to do is to survive before you find out, and strive to improve your value, so that your earning power will go up and the time to go ashore will be short. This is my personal opinion. I hope I can help you. Finally, I wish you good health and successful career.
Case 1: An elder I know was in debt because of business failure, so he wrote a letter to the creditor, sincerely promising to pay it back in the future, with sincere attitude and careful wording. Then start a business over 50. Find your own strengths and gradually eliminate debts. That year, I took the money to the court and handled millions of debts. The people in the court smiled and said, "I have never seen anyone pay back the money voluntarily." It was forced out by the executive court. "
Case 2: An old man is setting up a stall to sell things. The son owed millions and ran away, and the parents were working hard to make money to pay off their debts. This story caused great controversy in that year.
Individuals have been calling for personal bankruptcy system, but even if there is no personal bankruptcy in the bankruptcy law, they should reach a repayment plan with creditors as soon as possible or stop bearing interest. Let's wait until the interest payment date comes. That's it, no matter how hard it is.
You can't say that real estate owners borrow money to get rich. This society only looks at success or failure, not at the process. The success of the real estate boss is different from your failure. What you owe is debt, and people don't invest in you, but eat interest. Business risks are your own, and should not belong to others.
Investment failure owes more than 500 thousand to banks and online loans. What should I do? 500 thousand's debt, neither more nor less. First of all, we must rule out the method of applying for personal bankruptcy. 500,000 filing for personal bankruptcy is not cost-effective. Once you apply for personal bankruptcy, although you can forgive some debts, it will have a great impact on your personal reputation and future life. In addition, it is also necessary to rule out the stupid way of repaying loans, which will get you deeper and deeper.
So how to repay the debt?
1. First of all, it is necessary to clarify the total amount and nature of debts and make repayment plans, especially online loans, some of which are profitable. At this time, you must apply to explain this situation, otherwise you will get deeper and deeper. Debt is paid in priority.
2. You can seek help from relatives and friends. At this time, don't be complacent. You can explain the situation to some powerful friends, turn over some funds, and ease the pressure of your monthly repayment. The money of relatives and friends can last a little longer, even if you give some interest. When your bank and online loan are slightly loose, you are paying off your friends' debts. This is to repay the bank with the money of relatives and friends. At least, the overdue money of relatives and friends will not affect your personal credit information.
If I have a house and a car in my name, I think I can sell the RV and pay off some debts in cash. Of course, the house just needs housing, which is unnecessary. At least the car can be exchanged for some cash. After all, whether a car is a means of transportation or a consumer product can be said to be dispensable.
4, increase economic income, to be honest, the most reliable way to increase income is to work, you have to say that it is unrealistic to invest in integrating friends' network resources, and you can't go to the forefront of illegal crimes. Therefore, it is most feasible to work. You can choose the job you are good at, and the salary will definitely be higher. In addition, you can do more part-time jobs. It doesn't matter no matter how hard or tired you are. Just get through this period. The second is reasonable consumption, control consumption desire and reduce ineffective social interaction.
The above four points, I think the current practical way to face the debt, remember never to go astray, do not repay the loan with a loan, if so, it will only get deeper and deeper. Come on! There will be a hard time.
What should I do if I owe more than 500,000 yuan to banks and online loans? First of all, we must have a positive willingness and attitude to repay, and actively negotiate repayment plans with online loans and banks. Debt reduction first.
Take the initiative to negotiate with the banks and online loans you owe. Tell them your current situation. And expressed willingness to repay. Make a repayment plan. A repayment plan of three to five years can be implemented, because at present, the longest repayment period of bank loans or online loans, including credit cards, can reach five years.
The most important thing is that you owe them that the front desk didn't endanger their lives, so the most important thing for them is to pay back the money instead of taking you to court.
If there is a bank or online loan or credit card negotiation, the final result can only be forcibly cut. Forced cutting means that you tell them that you can only pay off the principal in a short time and may not be able to repay the high interest.
The advantage of this kind of cutting is that it does not need to bear the history for a long time, and only needs to pay off the limited principal. Because history will accumulate more and more, and the amount of principal is limited.
The biggest advantage of cutting is to help you make a repayment plan. And the repayment will be implemented in detail.
After your debt is actively and passively reduced, you must make a detailed repayment plan and have a specific source of income. It can be paid off in three years in the short term and five years in the long term.
But no matter five or three years, there must be a monthly repayment plan. This repayment plan is limited to the repayment of the principal, and the interest is cleared. If you carry interest, it will be difficult for you to pay off the loan in your life.
What can you do in this situation? The income from working is unable to repay, so sell your house and assets and start over. This is the best way for you. It is impossible to wait for the bank to sue you, then seal up your assets and finally sell them. Unless you don't have an RV or a car, you can only stay like this. After all, no matter what you pay back, what can the bank do with you?
From your description, the investment business failed, and the money was still borrowed from the bank, that is, borrowing money to start a business. Although most bosses borrow money from banks and use leverage, many people definitely have to do it. You are betting on the happiness of your next life. If you lose now, accept your fate.
1, sell assets.
It's not that I don't want to return it, but that I can't. If blacklisted, you can still buy a house five years later. The problem is, if you don't eliminate it, if you still have assets, the bank will definitely sue you to return it. There are more problems behind it, so consider selling it if you have assets. Since you can't afford it after work, this is one way.
If all the assets are gone and you live in a rented house, then negotiate with the bank, suspend the account, let the bank not calculate your interest first, and then slowly repay the principal when you have money. This is what you do when you have no assets.
2. Seek help or increase income.
This is another way. If you don't have enough jobs, you still have two jobs. There's always a connection If someone can help you, you can pay it back later. When people are desperate, sometimes they really walk around and may meet people who are willing to help you, instead of complaining and dejected. This is definitely not the way.
If the bank can negotiate to let you suspend your account, then do more work, or see if there are any help from the nobles, a rich man will go to take delivery when he goes bankrupt, and others will never bow their heads, but they will all do it by people.
So, if you have assets, you can sell them before they are sold. After five years, you can still borrow money. If you have no assets to negotiate with the bank and give you a chance, you can't have anything. The bank has been asking you to repay the money.
Failure to start a business eventually owed more than 500 thousand debts, which was really difficult to repay by working income. However, if you owe a debt, you can't say that you can't afford it. No matter what you do, financial institutions will pay it back. If you don't do this, you will eventually be listed as a faithless person and may be criminally liable. So, you must find a way to pay off your debts.
In your present situation, you should calm down, let yourself calm down and face the reality of debt bravely. I suggest that you can repay it in the following ways.
(1) Increase personal income and improve repayment ability.
The biggest difficulty of your current debt of 500,000 yuan is that you can't make ends meet, so the best way is to increase your income, which is the best way to deal with it.
For example, you can earn income through active income, that is, through hard work. It turns out that a salary of 3000 yuan means that you have to find a salary of 5000 yuan, or passive income. However, you have been in debt for passive income, and you can only increase your active income. You can do two jobs or change to a well-paid job.
(2) Be lenient in confession and strict in resistance.
Personal situation, income, repayment ability and family situation can all be told the truth. Negotiate with banks and online loan finance, and ask these financial institutions to postpone the repayment of this debt as much as possible, so that your monthly repayment amount is relatively low. Only in this way can you gradually pay off this 500,000 yuan.
(3) Seek help from others and pay off the debt at one time.
Now I owe 500 thousand to banks and online loans, but this 500 thousand is owed to financial institutions. Financial institutions mainly lend money, and interest is calculated. And once overdue, the loan interest will increase substantially, which will directly increase your repayment pressure.
So you can collect 500 thousand from family, relatives, friends, classmates and colleagues, and then pay off the debt at one time. At least, the money interest of acquaintances is not so high, which can save a sum of interest and avoid being classified as a faithless person. The disadvantage is that it is the most difficult to repay, but it is also the way out.
(4) Individuals apply for bankruptcy.
20 19 personal bankruptcy application law has been piloted, and there have also been cases where debts can be eliminated through personal bankruptcy application law. Personal bankruptcy means writing off this debt, or reducing the repayment amount, only a small part.
For example, you pay 7,000 yuan a month, but your personal income is 4,000 yuan. After applying for personal bankruptcy, you may still pay 4,000 yuan a month, and another 3,000 yuan will be paid by financial institutions for you.
Of course, it is not always possible for individuals to file for bankruptcy, and certain conditions must be met. Now it is a pilot project, and the details of how specific individuals apply for personal bankruptcy are still unknown.
comprehensive analysis
At present, in your situation, you must ensure that it is not overdue, otherwise it will be even more troublesome. You can repay it in the above four ways. In addition, you can also choose mortgage or loan repayment to repay. In short, no matter which way you repay, you must never overdue or directly refuse to repay. This method is neither desirable nor possible. I hope everyone can understand the risks.
First, use up personal assets to repay the loan.
When you have nothing, file a personal bankruptcy application with the court. Of course, this road may not work, but it is better to do it than not to do it. What if it comes true? Use your brave actions to break the current deadlock and save thousands of entrepreneurs in Qian Qian. Wish you success!
First of all, I sympathize with your experience. Doing business means that risks and opportunities coexist. It is normal to fail, but you have to pay back what you borrowed. This is the most basic principle of being a man!
I have experienced many things and lost many opportunities in these decades. From success to failure, from failure to success, life is like a roller coaster. In the past 30 years, Hedong has been changing. I have also met many people with millions of wealth around me, and I have also seen many losers who left tragically. To find out the reason, I think we should analyze the problem from our own side and see if it helps you.
1. Greedy, limited control ability.
Many entrepreneurs overestimated the possibility of success from the very beginning and invested hundreds of millions at every turn. When they started their business, they were vigorous and superficial. I have always thought that money should not be posted on the wall in business, but many people disagree. They think that throttling is not in line with their own personality, and open source is the important weight, overestimating the possibility of success and the result is bleak. In today's high housing prices and high rents, many people have made such mistakes. Rent a storefront with luxurious decoration. As a result, the business is not as good as expected, and the hidden expenditure is very large every day, and the income simply does not match the expenditure. Therefore, opening a store and closing a store, the decoration cost and part of the rent are lost, and it ends in failure!
2. Doing business in a vicious circle, not knowing how to stop loss.
If the business can't make ends meet, it is necessary to find the problem in time, adjust the strategy in time, or resell it or reduce the cost. Don't be indecisive about boiling frogs in warm water. Many businessmen have a gambling mentality. If you don't have the money to calculate the time cost, you will feel awesome if you win, and you will be depressed if you lose for a few years. They simply don't think about the deep-seated reasons for failure, don't learn advanced experience and give up on themselves. They hope that others will help them. I have seen many people register companies, and they register tens of millions at every turn. Their real situation is that they can't even get hundreds of thousands of dollars, and they still act like big bosses, and their breath is worse than beriberi. It's really wrong You must learn to keep a low profile!
Everyone knows the lever theory. Learning to use is the truth, otherwise it is a joke.
Many real estate tycoons leverage their wealth. That's true, but the more money they casually withdraw from the bank, the richer they will be in the future. Banks are not fools. They will consider their income. If money only incites wealth, they will never lend. So use the loan carefully. After all, it is paid for use. Don't borrow money if you can. Be patient and pay back the money! Doing business needs a virtuous circle, rather than blindly investing without calculating the return. Many people fail because they ignore the investment budget and run their business with a gambling mentality. The result can be imagined.
According to the description of the subject, it is obviously difficult to complete the task of paying off debts by working. You should stop loss as soon as possible, sell as much as you can and see how much cash you can earn. In addition, you should strive to pay off the online loan, settle the interest with the bank on time, and strive for the bank's grace and understanding. After all, you will have to repay the loan. If you have a good personality and good popularity, I believe that friends and relatives will lend a helping hand to help you tide over the difficulties and bravely take responsibility. This money is not much. I'm sure you will follow the instructions.