First, avoid debt.
Cancelling debts means owing money. Evading debts is a kind of civil breach of contract, and the behavior of emphasizing the debtor's subjective intention and having the ability to perform without trying to perform debts belongs to evading debts. The so-called "ability to perform" means that there is a source of income, or although there is no source of income, there are assets that can be used to perform debts, and the debts can be partially or completely fulfilled.
Second, how to deal with the waste debt
1. For the waste debt, the customer should try to pay it off as soon as possible, otherwise the longer it is delayed, the more serious the adverse impact will be. Not only is there a lot of penalty interest, but overdue records on credit information or big data will always be kept, which will seriously damage customers' personal credit, and it is difficult to apply for loans or credit cards later.
2. If it can't be paid off for a while, the customer can take the initiative to contact the lending institution and the platform customer service to negotiate, try to apply for an extension of the repayment period and repay the arrears in installments.
3. Of course, we also need to pay attention to the new regulations in the Supreme People's Court. The online loan interest rate is linked to LPR, and the annualized interest rate shall not exceed 4 times of the floating interest rate LPR. Therefore, the customer does not need to repay the excess debt. If the repayment has been made, you can also ask the platform to return it. After all, the part beyond the agreement is invalid and the people's court should support it.
3. What does it mean for individuals to evade debts?
1, the so-called "personal evasion of debts" actually refers to those who obviously have a source of economic income, or although they have no source of economic income, they have certain assets and financial resources, but they have the ability to perform all or part of their debts, but they are "passive inaction" and even actively evade debt performance. In short, having the ability to perform but not doing their best to fulfill their debts (also known as "malicious evasion"
2, and the person who has this kind of behavior is likely to be included in the list of untrustworthy executors by the court and become Lao Lai. Once you become Lao Lai, your normal life and travel will be affected. Not only will high consumption be restricted, but also you can't fly, G-prefix EMU trains and so on. If you can't get high speed in your car, you will synchronize sesame credit. Online shopping will also be restricted. The house court in your name can auction, and the fixed income such as pension can also be deducted directly.
So everyone must remember to pay their debts on time. If they can't do it, they can negotiate with the handling bank or lending institution or platform to see if they can apply for an extension.