The fourth type of person is the kind of debtor who even dare not admit it. If you call him, he will say that you have found the wrong person. I am not so-and-so. In fact, they just hung up the phone

The fourth type of person is the kind of debtor who even dare not admit it. If you call him, he will say that you have found the wrong person. I am not so-and-so. In fact, they just hung up the phone before you could react. If you called again, they wouldn't answer the call. After suddenly and unexpectedly, they answered the call and reprimanded you aggressively, saying Harassed them. When I told them about the debt, they hung up the phone again. People like this are justly and maliciously avoiding bank debts, but they feel that they owe the money and others should not call to collect. It feels like I borrowed money based on my ability, so why should I pay it back? You don't even dare to admit who you are, you say it makes people angry or not. This kind of person is worse than a child. I really don’t know how he can set an example for the next generation. If you don't have money, just answer the phone and admit it's you. If you say you have no money, we don't know how to recruit him, so why bother being a coward.

The fifth type of person is the kind of person who owes a lot of debt. Five or six or even seven or eight credit cards are overdue, as well as bank loans, online loans, loans from friends, etc. People like this have their phones called by debt collectors every day, and it is impossible to expect them to pay back. They may not even have money to eat, they may not even have a job, they may not even have a family, and they may not even have their dreams. Will they be in a good mood every day? Do they think about paying back the money every day? Will you be able to pay back the money? Even if you call them 100 times, they may not be able to answer the phone. Even if they answer the phone occasionally, they will feel it doesn't matter what you say. They already hated the debt collectors and hated the banks that had lent them money. For people who owe money like this, we just throw them aside without even looking at them.

The sixth type of person is someone who negotiates terms with you without any bottom line. They will say that such-and-such bank gives them discounts and installments, and that such-and-such bank gives them discounts on principal, etc. To be honest, every bank has its own policies, and every bank's policies are different. Some banks have strong discounts, some banks have small discounts, and some banks even have no discounts, no installments, and no reductions or exemptions. So they just feel that some banks have policies that all banks have. If they can't do it, they just won't pay it back, let alone answer the phone. It feels like you are begging them to pay you back. You owe money and you act like an uncle, but the collectors are like grandsons. They are superior to you. When a credit card is overdue, it is originally their own fault. People like them put all their fault on the bank and the collection staff. Children all know that when they make a mistake, they should find a way to make up for it, instead of making the same mistake again and again. But they pretended not to understand, and were arrogant and unreasonable.

The seventh type of person. It was the kind of debt that had been spoiled by family members. I met a client these days who was a girl. She owed more than 100,000 yuan. She kept calling her and said she wanted to pay it back, but she didn't take any action. Later, she simply stopped answering the phone. As per the regulations, we called her family. Her mother is a retiree. When she heard that her child had a bank debt, she paid back more than 100,000 yuan the next day. We admire this mother very much. Rich people have high quality. But this girl, the debtor, called us and said that her mother had helped him pay back the money. Why could her card still not be used? We told her that her card had been blocked after it expired, and now it has been After the money is paid off, you can call customer service to cancel it within 24 hours. But he didn't want to say that she wanted to get her mother's money out. Later, when she checked the previous bills, she discovered that every time he was overdue within half a month, her mother helped her pay it back. The card would not be blocked within half a month after the due date, so he always tried to withdraw the money. But this time, his mother paid him back more than three months after the due date. The card was locked and she had no way to get it out. In the end, she even complained about us. There is really no one who can deceive his family so much. I have never seen such an unreasonable child. We didn't bother to pay attention to him, and we all stayed away from her.

The above are the types of debtors we are afraid of. He said he was afraid, but in fact he was too lazy to pay attention to them. We were just worried that in the end they wouldn't pay back a penny and would make us look dirty.

People's qualities vary. But generally the quality of debtors is not very high. I heard a cross talk before, and Guo Degang once said that poverty breeds treachery, while wealth breeds conscience. I understand this deeply. Of course, there are still people who can take the initiative to repay the money and have a very good attitude. Some of them care about their credit, some care about their children, and some care about their reputation, so they all actively pay back the debt. There are only one or two people out of 100 who are capable and willing to pay it back. The rest either don't answer the phone or are difficult people who we hate and frighten.

I know someone who is under 30 this year. He has been blocked from all debt collectors and scolded him. Whenever he remembers, he makes a debt collection call in the middle of the night. , keep calling, using other people’s mobile phones.

It’s not easy to stay alive due to the epidemic. Now I have too little balance and my mobile phone has been shut down and I can’t care about anything.

I owe Jingdong Baitiao, Xiaomi loan, Huabei . It’s hard to find a job now during the epidemic, and you don’t have much money. I couldn’t find a job, so food became a problem. Last time, the collector called me and asked for money. I asked him to lend him some money for food, but he didn’t bother me. If you are really serious about collecting money, you should help me.

How can I find a job and pay back the money if I don’t have enough to eat?

I actually bombarded you with phone calls to collect collection!

Just answer the phone and say: I don’t want to pay back, I don’t have the money, sue me, goodbye