Since when did you dare not answer any incoming calls on your mobile phone because you are in debt? How long does it last?

It’s been more than a year. I still answered calls at first, but it was of no use. They don’t care about your reasons for collecting money. They just want you to repay the money. I have no choice but to block all unknown numbers. Now I do it every day. The arrival of the text message at least does not affect my normal work mood, which is tiring.

I currently have an online loan of RMB 160,000, which is more than 40 days overdue and only a week overdue. At the beginning, I tried my best to answer the phone, communicate, and beg for negotiation. But everything is in vain, others are profit structures. They don't care about your life or death. Without money, there is nothing to discuss.

1. After about a week, I stopped answering their calls.

Because I had no money, it was useless to answer the phone, and it also affected my ability to go to work. Of course, now I occasionally answer the phone, depending on my mood and platform. For example, I occasionally answer the calls I borrow from Alipay, but I don’t answer the rest.

The dozens of bright red missed calls every day are really shocking to see, and I dare not answer them for fear of being ripped off. After all, I broke the contract first, so I didn't dare to argue with them. After all, it was useless to argue. It was better to make money with peace of mind. I even now have mobile high-frequency interception enabled and the built-in harassment interception on my phone. Intercepted more than 80% of collection calls, giving yourself an environment where you can make money with peace of mind.

2. Don’t repay blindly, follow your own plan

Yesterday, it was reported on the Internet that someone was pretending to be a collector and defrauding debtors of their money. Pretend to be a platform, harass you in various ways, explode your address book, and ask you to return money to a certain account. The results are all fake. More than 500 people were defrauded, and the amount was more than 2.6 million.

After making your own repayment plan, save money honestly. When you have saved enough for the whole family, go to the official to negotiate, reduce or reduce the amount, then settle the loan and issue a settlement certificate.

If you don’t have money, just ignore them. Make money first and protect your family’s life first. If you can resist exploding your address book, over time, they will take the initiative to negotiate with you.

It’s strange to say that you can’t take the initiative to negotiate with them. They have to wait for a year and a half before they come to negotiate with you.

It’s useless to answer the phone if you don’t have money anyway. Just go to work with peace of mind and earn money honestly. Earning money is the most important thing for adults.

When I don’t answer the phone, the other person will scold him if he has a bad attitude. I owe no more than two liang

More than 10,000

I am in charge of online loans Tens of thousands of credit cards and hundreds of thousands of dollars were all black, and I made hundreds of phone calls every day. In the end, I had to change my number. I asked him how he felt, and he said it was nothing. Anyway, if you don’t have money, you can just do whatever they want. I was playing ball games like him, and he lost 300,000. The cars are all sold. I play small, and although I have debt, I can still bear it. There are too many people like us in Shenzhen. Come on, I wish you good luck! !

Lasts for a long time

I don’t know how much debt you have. Let me tell you about myself. Now the total debt of credit cards and online loans is about 500,000, but I can do it responsibly. To say that I'm not a deadbeat, I'm not in debt because of gambling or spending money indiscriminately. It's purely because I started a business and couldn't borrow the start-up capital. So I admit that I owe money, but I don't admit that I'm a deadbeat.

I haven’t answered the phone since 2019. It’s not because I don’t dare to answer the phone, but because it’s useless. They will always ask you to find a way. To put it bluntly, if I had a way, wouldn’t I want to do it? ? Just like I saw a silly title two days ago: Do ??you care about credit or life? I really want to scold him. Do I choose trust and then die to prove my ambition? I haven't answered the phone for two years, but I don't answer the phone because I hope they can sue me and negotiate together. This way there is a way out. If I keep paying interest and be a loan slave for the rest of my life, then I will definitely not pay it back. The problem can only be solved by not paying it back, but it will be solved in the end. I hope to encourage you.

Stowaway in advance