1. Make repayment plan: list the balance, interest rate and minimum repayment amount of each debt in detail, and arrange to repay the debts with high interest rate and high overdue risk first.
2. Cut expenses: Review your daily expenses and save money to free up more funds for repayment. You can tighten your budget by cutting spending on entertainment, catering and shopping.
3. Increase income: Find additional sources of income, such as part-time jobs or renting idle houses, so as to increase the funds available for repayment.
4. Negotiate with creditors: contact creditors as soon as possible, explain their difficulties and propose repayment plans, and strive to extend the repayment period, reduce interest or adjust the repayment amount.
5. Consider debt restructuring: If you can't repay all the debts, you can consult professional institutions or lawyers to understand the debt restructuring plan to reduce the repayment pressure.
To sum up, the key to solve the problem of overdue credit card loan plus mortgage loan totaling 200,000 yuan is to formulate a reasonable repayment plan, cut expenditure and increase income, and actively communicate and negotiate with creditors. For more guidance, please consult a professional or financial institution.
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In the face of financial difficulties, it is recommended to seek professional advice in time, such as seeking the help of financial consultants, lawyers or credit consulting services. In addition, China's laws do not clearly stipulate how to deal with personal financial crisis, but we can refer to People's Republic of China (PRC) Contract Law and other relevant laws, and pay attention to legal risks when negotiating with creditors.