How to get out of trouble with a debt of 300,000?
1. Prepare in advance. It is recommended that borrowers investigate all the online loans they owe, and be sure to understand the true situation of the online loan, such as whether it will be subject to credit bureaus, address book exposure, door-to-door collection, etc. , have a detailed understanding of the company, and browse the experiences of other netizens.
2. Calculate the principal and interest rate in detail. The annual interest rate of the loan shall not exceed 36%. Many online loans will cut corners and deduct from the principal in the name of membership fees, credit fees, handling fees, etc., and The calculation of liquidated damages is also illegal. The borrower can calculate the annual interest rate of the loan. If it exceeds the national regulations, it can be negotiated for reduction or exemption.
3. Increase repayment channels. It is recommended that borrowers find ways to increase repayment channels and do side jobs while working. If you have a moderate income from your part-time job, and through calculation you find that it will take more than 10 years to pay off your debts just by relying on your salary. Then you should realize at this time that you can no longer just rely on working to pay off your debts, but you must do some side jobs part-time to increase your income. If you accidentally encounter some loan platforms with higher interest rates, borrowers can find ways to complain. You can collect collection records, online loan agreements, repayment records, transfer records, etc., and prepare to complain through relevant channels. The above is the sharing of relevant content on "How to get out of trouble with a debt of 300,000 yuan". I hope it can help everyone!