It means that it is directly overdue and cannot be repaid. Only crustily skin of head forced overdue, ready to be collected. Don't worry, don't be afraid, as long as you don't say anything drastic, don't worry too much.
If you look at the credit report, it will not work. If not, don't worry. If not, you can call directly to explain your current predicament. Credit card users must take the initiative to contact themselves and explain their predicament. What can be done by stages can only be done after the deadline.
Finally, find a stable job, stabilize your income, save your money, pay it back slowly, and pay back your credit card first. If you don't have enough money during this period and don't return something, you will never finish it.
First of all, strengthen your inner strength and ensure a peaceful life. Tell yourself from the bottom of my heart that money is a thing outside my body, everything will pass, and don't do anything drastic.
Second, we should straighten out what information you provided at that time and the information of relevant personnel, reduce the harassment of those involved, and do a good job in prevention and control.
The third is to sort out the loan details, honestly explain to the family, and take precautions.
The fourth is to consult lawyers, list the repayment plans, and communicate with the platform.
Fifth, if you encounter unreasonable demands or threats, you should call the police.
You can make more money without money. It is also a reality that you can't afford it temporarily. There are no obstacles to overcome. Try to solve the problem face to face.
Forced ashore! Looking for a job or a part-time job, I am the same as you. First, I confess to my family. Nothing in the world cares about you more than my family. If I can repay part of it:
1. Return the credit information. If it is not returned, communicate with them, postpone or stage it. After all, both banks and formal platforms are credit reporting, and the hacking of credit reporting has a great impact on you!
2. Negotiate with them and give a repayment time. The people who can help you are the people who believe in you. Even if you have no money to repay now, you might as well make a plan, set a time for them, or repay them in installments. Don't let those who believe in you and help you down!
3. The usurer whose annual interest rate exceeds 36% can finally repay the principal plus a little interest, and accept the loan slip and collection voucher! If there is a violent collection, choose to call the police!
The above is my own way, don't spray if you don't like it! thank you
Sorry, this question needs to be discussed with your parents.
You just want to answer this question.
Regret? Why did you go early? Sorry, I'm not your father. I don't need to believe you, so I'll just say it.
Is it over? Then repeat the mistake that dogs can't change their habits.
My suggestion is that you can borrow money from your parents by stages, but not by stages. Remember to borrow it first and then return it. If it's a usury installment, you don't have to borrow money directly to pay it back.
No matter what you borrow so much money for.
But what is certain is that money must be wasted for pleasure.
So turn your life upside down.
I used to like doing less.
Spend more time in life.
Slowly realize the beauty of life
Pay back the money slowly
It's also convenient for you to quit some addictions.
Develop good living habits
The most taboo is to ask your parents for money directly.
You caused it. Why should anyone else help you pay it back?
You waved your hand and borrowed it again?
I have been engaged in online lending for 5 years and supported loans for nearly 4 years. I invested more than 500 thousand interest, and finally it completely collapsed. At first, I was afraid of debt explosion and violent collection, so I kept on insisting. By April 2020, it will be completely unsustainable and debt will break out in an all-round way. At present, in addition to the credit card, I still owe 15 online loan, totaling 630,000, which is eight months overdue.
First, supporting loans with loans, struggling to support me. The first time I used online loans was in the first half of 20 16. After that, when the repayment is tight, rob Peter to pay Paul. 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 (flower buds, borrowing buds) is 280,000 yuan. Micro-loan 40 thousand. JD.COM (white bars and gold bars) 40 thousand. Recruit 22,000. Have the money to spend 50,000 China Post 40,000. Pleasant loan 65438+ ten thousand. Willful loan 1.5 million. Repay the loan of30,000. Auction loan 500 thousand. Flash silver 500 thousand Constant 65438+500,000. Three, six, three thousand.
I have borrowed many of these platforms for two or three times, and the repayment period for borrowing once is one year. For example, in Harmony, I borrowed it and returned it, then borrowed it again, three times before and after.
Second, the snowball of interests is getting bigger and bigger. 20 19 is the peak period of my repayment. Almost every day is the repayment date. When the pressure is greatest, you have to pay more than 60 thousand a month. After the debt broke out, the company talked to me and asked me how much I spent. To tell the truth, my heart is a muddled account. I wake up every day thinking about how to pay it back. As for paying back a lot of money, a lot of principal and a lot of interest, I am very confused because I have no energy and mind to calculate.
Now, eight months overdue, my mind gradually calmed down. Looking back on the experience of raising loans with loans for more than three years, it is conservatively estimated that the interest I paid back is not less than 500 thousand.
I owe 630,000 yuan in online loans now, and the previous figure is bigger than this. Because I was afraid of overdue, I was afraid of exploding my address book. On the eve of overdue, I struggled to raise money everywhere. During that panic period, I also fed it about 200 thousand.
These online loans have a low interest rate of around 20%. Higher interest rates are all above 36%. Now it's a bad debt, and I don't know. I can only estimate the interest roughly, so much that it hurts to think about it.
Third, the economy dried up and was forced to go ashore in April 2020. After the struggle, my economy dried up completely and I was unable to repay it any more. At this time, I was forced to go ashore. Now that I think about it, forced landing was the right choice, but it was too late. Because you are struggling in the quagmire of online loans, it is difficult for you to turn over anyway. Those high interest rates will drain your income.
I often see netizens saying on the Internet that "it is only natural to pay back debts. You borrowed it voluntarily at first, and now you have to pay it back truthfully. " I want to say that this is a typical foolish loyalty thought. Not to mention, when borrowing for the first time, many netizens didn't know the real interest rate behind online loans. Take the "he" I borrowed as an example. The comprehensive annualized rate written in the contract is 35.9%. At that time, I didn't know that the real interest rate behind the equal principal and interest repayment would be so tricky. Moreover, even knowing that it is not the first time to acquiesce in the damage caused by illegal acts means that justice cannot be done in the future. The Qing government signed a treaty that humiliated the country, which is the best example.
Now, my idea is to make money hard and return the credit card first. When the credit card problem is solved, come back and negotiate repayment with the online loan platform. I dug this hole myself, but I still want to fill it in.
Finally, answer your questions in general. Trapped in online loans, unable to repay, how to save yourself? Combining my personal experience and summing up my painful lessons, when you are deeply involved in online loans and unable to repay them, forced login is the only correct choice. Don't be afraid to collect, because collection is inevitable. Concentrate on making money, and when you have enough money, come back and talk about it one by one.
So how much interest did you spend on online loans for so many years? Do you have any idea?
Loans are easy, but landing is difficult. People who owe loans are very common now. Many people can only borrow money because of lack of money. Finally, they are heavily in debt when they are unable to repay. Landing is actually not difficult, and it can be solved after paying off this debt. However, if you can't repay it, you should actually sort out the situation of online lending first, and then comprehensively analyze it to find a solution. For example, whether tens of thousands of online loans are one or more, does it involve informal usury platforms and formal platforms? If it is informal, it can be delayed. If it is formal, it can be returned first, which 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 state protection. You can not repay first, but the formal ones will repay first, because in order to avoid your blacklisting, formal non-repayment will also make it difficult for you to borrow later.
What other methods are there besides forced landing? First, the minimum repayment amount. Try the minimum repayment amount first, and then do more part-time jobs, so that the income from work exceeds the interest paid, in order to pay off this debt, especially the formal online lending platform, and actively repay. After all, once the credit information is tainted, it will take five years to clear it after repayment, and it is difficult to get a loan within five years.
If some platforms don't support your minimum repayment, and your address book is exploded, in fact, put it aside first, and it is best to repay it on a platform that can be negotiated, which will reduce it. However, if the tens of thousands owed are only an online loan company, there is still a chance to negotiate repayment.
Second, borrow money to repay. Debt transfer, after all, will explode the address book if it is not paid back in the end. At this time, it is better to borrow money directly from relatives and friends and repay as much as possible to avoid the continuous rolling of interest. On the contrary, late repayment is very passive, while relatives and friends borrow money slowly.
This situation is the best way, because the minimum period of debt to parents and friends can be extended, and the interest owed to online loans is not only temporarily forced to go ashore, so consider whether anyone can help you.
Therefore, tens of thousands of debts are not much. If you can't repay, sort out your debts first and see if anyone can help you, or work hard to earn more wealth to pay off your debts.
I can't repay the loan. It's nothing. I travel light and work hard. If I had money, everything would be all right. Limiting high consumption is also a good thing. Diligence and wealth collection is a fine tradition of our country. It is good for me not to deal with banks.
The country opened the door to the Internet and won some Internet disasters, but the whole society is full of fakes and chaos. Teenagers are addicted to online games and have no intention to study, which seriously affects their physical and mental health; How many people lost their minds because of online gambling and were deeply in debt. Peer-to-peer lending is even more unscrupulous, hurting many people.
Strongly appeal to the state to strictly control the Internet as soon as possible, prohibit online gambling and severely punish peer-to-peer lending! ! !
You still owe tens of thousands of online loans, and now you can turn over; In fact, there are ways to deal with your tens of thousands of online loans. You can get ashore in the following ways.
(1) Increase income
Now I owe tens of thousands of online loans, so I can pay them back. It is very difficult to increase your passive income, so you can only increase your active income. Active income is to use your ability to go to work with peace of mind and earn money every month. For example, you can change to a higher-paying job or do two jobs, which is the most direct way to increase your income. As long as your income is high, your solvency will be improved and you will be landed slowly.
(2) Seek help from family members.
It is not difficult for a family to pay tens of thousands of dollars now. Since you can't pay back now, it's ok to ask for help from your family. Borrow tens of thousands of dollars from home first, and then pay off the online loan. In this way, interest can be paid less, and personal credit information will not be tainted. This will kill two birds with one stone, and then you can slowly return the money home.
(3) Loan repayment in installments.
Pay you back tens of thousands in installments, make your personal situation clear to the lender, and then say repayment in installments. As long as you are willing to pay back, they very much hope that you will pay in installments, so that online lenders can make more money. Making money from online loans means that you need to pay more interest, and you lose more than you gain. You use interest money to reduce the repayment pressure.
(4) Legal online lending comes first, while illegal online lending is a drag.
Now there are all kinds of online loans, not all of which are legal, and there are also many illegal individuals or institutions making mortgage loans online. So you can analyze it according to the major online loans you owe. If it is legally overdue, you can pay back the money first, and the illegal online loan can be slowed down to give yourself a buffer. For example, if you owe 50,000 yuan, of which 25,000 yuan belongs to legal financial institutions and 25,000 yuan belongs to illegal institutions, it is also a solution to let you pay back the money of financial institutions with 25,000 yuan first.
Combining the above four methods, you can choose one or two methods to pay your debts according to your own situation. Only by paying off these debts smoothly can we really get rid of the debt-ridden days and climb ashore.
I, 1987, once owed 300,000 yuan to my credit card, and now I have less than 65,438+million, and I am trying to pay my debts. ...
Let me talk about my personal experience.
I graduated from university in 2009, and got an internship because I majored in automotive electronics. I worked as an apprentice in an auto repair shop with a monthly salary of 300 yuan. Although the boss said to control his diet at first, he changed his mind later. Five or six people only buy steamed bread for 10 yuan a day, then he wholesales several hundred kilograms of potatoes, eats them three times a day, and buys several hundred kilograms of cabbage after eating them. After eating the same dish for a month or two, I feel sick at the sight of potatoes and cabbage. Because this garage has nothing to do for a day, it can't learn any skills. If it can't stand it for half a year, it will quit.
Then I looked for a job, received a job call from Ping An Insurance, and entered the insurance industry. I just joined the insurance company. I'm a foreigner. I have no relatives and friends in Jinan, and I am introverted, so I don't know much about insurance with others. After a few months, although I worked hard, my grades were not good. Seeing that I have no money to eat, and I am embarrassed to ask for money from my family again, I want to apply for a credit card for emergency. So, I got my first credit card. Once I get my credit card, I can still restrain myself. I only spent a few hundred dollars a month, and I will return it in time next month. But as time went on, my income gradually increased, and my own expenses also increased. I feel that it is very convenient to swipe my credit card, and my consumption cannot be controlled. As long as I see what I want to buy, I will swipe my credit card directly, regardless of the price. Later, there were more and more overdrafts, and I found that one card was not enough, so I went on to get a second card and a third card. There are more and more credit cards and the amount is getting higher and higher.
Later, Ping An Bank came to Jinan. As employees, we can handle credit cards for our customers, but the commission for handling cards should be paid to our Ping An credit card, which requires us to have a credit card from Zhang Pingan Bank. In addition, as an employee, Ping An Bank's credit card policy is relatively loose, and the quota has increased rapidly. Soon the quota was changed from 5,000 to 25,000, then to 50,000, and the temporary quota rose to100,000.
13 soon, I made some investments with several colleagues and started an information consulting company in partnership. To put it bluntly, it is a small loan company. We found several wealthy customers, and then found several customers who needed loans to help them contact. Just like P2P later, only there were not many P2P at that time. We made a few deals and made some money. The courage is getting bigger and bigger, and the money released is getting bigger and bigger. We are not satisfied with earning those profits with customers' money, so we want to invest some money ourselves, so we can earn more. As a result, everyone paid about 65438+ ten thousand yuan. At that time, we lent the money to a paper mill, plus the customer's money and our own money, a * * * borrowed 6.5438+0.5 million yuan. It is a coincidence that the loan went wrong. The owner of the paper mill went bankrupt because of poor management, so we can't get our money back. Although the boss went bankrupt and ran away, all the customers who invested here wanted our money. No way, several of us each chipped in 200,000 to make up for the loss of our customers. In this way, the original investment is 654.38 million yuan, and each of us has a debt of 300 thousand yuan.
Because all the money collected is overdrawn by credit card, it doesn't matter if you want to use credit card in installments. Who knows, in 20 14, the state tightened the credit card policy, the temporary credit line of Ping An Credit Card disappeared, and the credit card was re-established. I was particularly worried when my credit card was newly renewed. Dozens of phone calls a day, I calmly explained to them and promised them that I would pay them back, but they wouldn't listen to you. Later, after a long time, my family also knew about it, and helped me collect tens of thousands of dollars and returned some, but this did not solve the fundamental problem, and the collection phone kept calling. And I'm tired of explaining to them. Answer the phone if you are happy, and don't answer if you are unhappy. Later, there were fewer and fewer phones, and as much as they could be paid back every month. Now, with what I have returned at home, I have returned more than 200,000 yuan, leaving less than 65,438+million. I feel that I have finally seen the dawn.
Having said that, let's talk about how to save ourselves when we are heavily in debt and unable to repay.
First of all, let's not lose heart. There is hope only if you have confidence. We must not be intimidated by debt, no matter how much debt is just a number. As long as we work hard, we will pay it off one day. You know, if we have the ability to owe so much, we have the ability to earn so much.
Secondly, we should clear our minds, distinguish debts and make repayment plans. If you can negotiate with them, try to negotiate repayment. If negotiation fails, it must be returned in advance. As long as you make a good plan and complete it step by step, you can pay off your debts.
Finally, we must change our bad consumption habits to reduce expenses. We should not only reduce unnecessary expenses, but also find more sources of income. Only by spending less and making more money can we pay off our debts more quickly.
This is my gratitude. I hope I can help you, and I wish you get rid of your debts as soon as possible and realize a turning point in your life.