1. Find and keep records of money transfers to the scumbag as evidence, and understand his family situation. Negotiate with him first and ask for repayment. If he refuses, report the case and let the law force him to repay the money.

2. With such a large amount of money, it is difficult for you to hide it from your family, and you should not hide it. Be honest with your family, explain the situation clearly, ask for understanding, and provide you with support and help. In addition, you can also find a trustworthy and capable friend to help out and lend you some money temporarily for emergency purposes.

3. For credit card debts, even if it is used by a scumbag, it belongs to your name. Regardless of whether he has paid you back or not, you must be responsible for paying it back, so as not to affect your personal credit report. , future loans to buy cars and houses will be affected.

4. For loans, check whether the lending website is legal and whether the amount and interest are reasonable. Be careful of the other party using illegal means to illegally collect debts. If necessary, call the police and pay attention to protecting personal information and personal safety.