How will your life be affected after being blacklisted by the court for being dishonest?

I am on the list of dishonest people. Let me tell you how my life has been affected.

First of all, let me make it clear that I am not a scumbag. Because from bankruptcy in 2014 to now, I have not transferred a penny. Even the day before I went bankrupt, I was still dreaming about coming back to life. To put it mildly with myself, I am a trustworthy person with integrity..., there is nothing I can do about it. I just want to save my business and restore its glory. But my creditors and banks never gave me another chance.

After I went bankrupt in 2014, I was depressed for more than three years. During these three years, the bank did not press me in any hurry, because there was a mortgage in the bank. The main thing is the money from relatives, friends, and investors. I understand them very well. When they borrow money, they all want to earn some interest from me and get a share of the pie. In the end, they are buried with me.

I clearly remember that in those last days, I no longer dealt with business matters in the office, but faced several groups of people at the same time every day to discuss debt repayment matters. In the end, I had no choice but to use the goods in the goods yard as collateral. When I watched them take away my goods, I felt like a knife. I have been working hard on the layout for more than a year, and my plan to wait for the market to pick up and turn around was completely ruined.

Because the market price was very low at that time, and my goods were purchased at high prices in the past few years, I restocked them at a low cost as the market went down. Therefore, even if all the goods are processed, it will still be insolvent. But the situation was out of control, and creditors were eager to cut their losses. The scene in the goods yard was chaotic every day, and I became a joke to other colleagues.

In this way, after just a few weeks, not only did I not pay off the debt, I was also saddled with a debt of more than 30 million.

In fact, at this time, many creditors did not believe that I had no money, and thought that I had transferred my assets and was a deadbeat. From there, I started calling for debt collection, and some even hired a third party to come to my house to cause trouble. I spent two years in this environment, and never had an easy day. Sometimes I could answer hundreds of calls a day. (At that time, phone bombing was not as common as it is now)

In 2017, with the encouragement of my family, I began to face these creditors again. Take the initiative to talk to them about debt issues, and encourage creditors to sue in court, because only by suing can the debt they lent me be recognized and protected by law. And for me, only the court can help me regain my trust. The price of returning to a normal living environment is, of course, being listed as a dishonest person.

After the court investigated and evidenced the flow of all my assets and bank statements, I finally gained the trust of my creditors. Although I was listed as the person subject to execution, none of my creditors thought that I was an old person. rely. Therefore, the result of the court's judgment was just a matter of procedure, and I had no choice but to enjoy a series of treatment equivalent to that of a lao lao.

I cannot stay in three-star or above hotels, fly, high-speed trains, soft sleepers, first-class trains, or sleeper trains, and my children cannot attend high-end aristocratic schools. All my bank cards and payments have been frozen. channel. Although these have not had a great impact on my daily life, they have greatly restricted my future development. I remember one time I went to Nanning, Guangxi for business (an unavoidable thing). After checking all the trains, I finally had to take the green train. It took two days and three nights of bumpy ride from Beijing to arrive. The friend who picked me up at the station looked at me. The train I took knew what was going on with me, so the business was not concluded this time.

As for daily life, I am now engaged in the taxi industry. Although I already have three cars, none of them are in my name. Some friends may say, aren’t you transferring property? Isn’t this the case of not paying back the money? Yes, first of all, on the surface, this is my property because I am not qualified to own these things. If the court inquires about my car, it will be seized without hesitation. Secondly, a set of procedures for taxis in my city costs nearly RMB 300,000 including the car. The creditors will take away the RMB 1 million without mercy. This is what being on the Dishonest List did to me.

However, I have notified all creditors and the court before doing these things. And got the creditors and the courts to understand that I needed someone to eat. And when my creditors saw that I was using practical actions to earn money to repay debts, they all expressed their approval. So, even though it was my car, I was not held responsible.

To this day, I am struggling to make money and pay off my debts every day. Some creditors have reconciled with me because of my good performance and have withdrawn their lawsuits in court. When the scenery was good, I did not give them any less benefits. People with long hearts and minds have a heart of compassion and do their best to gain the understanding and support of others. Only in this way can my conscience be okay.

No impact, no reason. I am owed hundreds of thousands, and the court just checked it on the computer (but there is the person subject to execution waiting for you to check his money and property, which have been transferred long ago) Then the execution is terminated with the reason that it cannot be found. The rest is up to you to investigate. We are just ordinary citizens. Banks, real estate, vehicles, mobile communications, public security, industry and commerce, etc., we have no right to investigate. I had no choice but to resort to desperate means, look for a needle in a haystack, and search for it every day. I squatted there day and night, bitten by mosquitoes, hot, and smelly, without blinking an eye. Do you want to roll your eyes or curse at me? What are you doing sneaking around here? Do you want to steal something, or do you want to steal a woman? Is it useful? There are too many such old people in real life. Do you think he will pay you back if he borrows tens of millions or hundreds of millions from you? Even if he was afraid of going to jail, he chose not to pay it back. So according to the law, it has been transferred long ago. The smart old man had already thought of an escape route when he first started his business. He was not the legal representative, nor was he a shareholder, but the money he earned was his own, and all debts had nothing to do with him (the actual operator). If the country does not crack down hard, society in the future will be so dishonest and untrustworthy, running away from problems and blaming others. Avoiding responsibility. In this way, I think everyone is not willing to see society have such a result! Why does Laolai increase every year? And why are there so many people fighting against the dishonest old man? A dishonest person is a dishonest person only if he has the ability to perform and refuses to pay back the money. Since Lao Lai has the ability to repay, why not enforce it? Nowadays, the legal representatives of the company are all actual operators. They can randomly arrange a person to be the legal representative and then sign the contract outside. If something goes wrong, in order to avoid legal liability. The property has been transferred long ago and the company has become a shell company. The courts cannot enforce it either. The legal representative is just an irrelevant person and has nothing. The actual operator can find another unrelated person, open a new company, continue to sign contracts outside, and live a happy life. Property can be placed with relatives or good friends, and even the names of relatives and friends can be written on the property. Traveling around the world in luxury cars (purchased with Lao Lai’s money) in the names of relatives and friends. It seems that there is no other way for the court to enforce it? What's more, some people have one wife in their name, but actually have several lovers, and put their property and real estate in their lovers' names. How can you check it? How to implement it? The old guy either doesn’t have the money, or he won’t pay it back. You see, there is an old man whose son was admitted to college. Because he was a dishonest person, he was afraid that this would affect his son's future, so he immediately paid off the loan. What does this mean? But just because of this, there are still many people who stand up to fight for the "Lao Lai". There will be an implementation day nationwide every month and an implementation day across the province every ten days.

1. Restricted travel

Untrustworthy people cannot buy air tickets, second-class seats on trains, ships, first-class seats on high-speed trains, or high-speed trains. They must use their ID cards for everything. There will be restrictions on purchasing tickets and traveling!

2. Seize and freeze capital accounts

Seizing all property under an individual’s name is enforceable by law enforcement officers!

Online booking of travel, housing, insurance, renting, blind dates, etc. will all be restricted!

Under the influence of credit reporting, your personal credit will be synchronized with Zhima Credit. Online shopping is limited to consumer finance, credit card hotels, renting houses, car rentals, etc., and comprehensively restricts dishonest people through the Internet and other channels.

3. Restrict high consumption

Dishonest persons cannot spend at will in hotels, hotels, nightclubs, golf courses and other places with star rating or above!

People who are dishonest cannot borrow money to buy a house, apply for a series of loans such as credit cards and loans!

Once you are included in the list of dishonest persons, you will be like a bird in a cage. This will greatly affect your personal life order. You will not be able to get loans, mortgages, travel, etc. This list Problem, it will greatly reduce your quality of life. After you repay the loan, it will take five years to return to normal personal integrity!

After being blacklisted by the court for dishonesty, life is still affected to a certain extent. The richer you are, the greater the impact, and the less money you have, the smaller the impact.

@ 向美美 Just talk about two examples around you and you will know.

1. Jia is the owner of a private enterprise with assets of nearly 100 million. Because he guaranteed a loan to a friend, the friend’s loan was not repaid. Jia felt aggrieved to repay the loan for his friend. He did not use the loan. I paid it back for my friend and was included in the list of dishonest people.

Jia wanted to go abroad to discuss business and took his ID card to buy a plane ticket. As soon as he entered his ID number, it showed that he could not buy it. You can't even buy high-speed rail tickets. You can only drive your own car wherever you go. Whenever you use your ID card, it will indicate that you are on the list of dishonest people and you will not be able to get a loan. This made the boss very anxious. When he suffered this kind of injustice, it not only affected his life, but also affected the production and operation of the company.

Later, the business owner communicated and negotiated with the court and banks many times, and paid off part of the loan for his friend. Only then was he removed from the default list, and life returned to normal.

2. A neighbor in the village owed a bank loan and failed to repay it overdue, so he was on the default list. He doesn't fly or take high-speed rail, nor does he buy high-end consumer goods. It doesn't matter if you take ordinary trains or buses. There is nothing enforceable in the court. Just an ordinary citizen has no money at all.

In this case, whether he is on the list of dishonest people or not will not have a great impact on him. But if you want to use a house loan or something like that, if you can't get a loan, the impact will be huge.

Regardless of whether it affects your life or not, it is best not to break your trust. People cannot stand without trust. It is not good to break trust. If you don’t talk about integrity, how can you gain a foothold in society?

Looking at this question, let me speak from my own personal experience!

I myself am a person who has been executed for dishonesty. I was originally a bank executive because I helped my friends to do bridge business guarantees. Some of them simply used my own name to lend to friends to cross the bridge. As a result, I was burdened with more than 1,000 yuan. Thousands of debts. I could have transferred the assets during the divorce before being sued. Haha, I didn't do it. It really wasn't that I didn't know how to transfer, it was just that I was mentally retarded and I didn't think about my family at all at that time. I am a loyal person, and I have shouldered all the troubles I caused. I have three houses and three cars in my name, and I have never thought about transferring them. I fully cooperated with the court to deal with it. As a result, I cooperated with the court to evaluate and auction the house on the first day, but the creditors colluded with the court the next day. He was arrested and detained four times for two months in judicial custody. I want to say that if you don’t pay the debt once, can you pay it back after being detained ten times? They also took advantage of my detention to drive away the impounded vehicle privately, and drove it away without going through auction or legal procedures. Of course, there are all the restrictions on high prices and consumption, and there is nothing to say at all. I have the ability to repay but refuse to do so. It doesn’t matter if all my belongings are disposed of and it is not enough. I don’t care if I have no job, no income, and a life to support my family. , anyway, I don’t believe you have no money, how can it be possible if you don’t take the money, you have to squeeze out some oil no matter what, and go through all the available legal means on how to deal with it, no, black threats and threats of personal injury are also required. . This is my situation.

But how can I put it, it has had a major impact on my life. Not to mention my family status, my relatives in the whole family are also avoiding me. I have no job and no income. What should I do in the future? The pressure in my heart is more like a mountain. The pressure of such a huge mountain makes people want to die.

But I don’t want it to end like this. After death, there is no hope. If you work hard, there is hope. If you don’t work hard and don’t try, there is really no hope at all. I have faced the hypocrisy between people. , shameless betrayal, loss of freedom in prison, distance from loved ones, loss of self-esteem, glory, failure of career, nothing of money owed, the dissatisfaction in my heart makes me stronger, more peaceful, and more pragmatic, I believe I can definitely start over.

Although being on the blacklist makes it impossible to raise funds to start a business, it is inconvenient to negotiate business, and it is even harder to make money without the original network and platform resources. As long as you don’t lose hope, you firmly believe that you can still start over.

Finally, I would like to remind everyone, don’t lend money to others easily or guarantee for others easily. If you owe money, stop the loss in time and don’t think about investing more. This will cause more losses and it’s not scary to be on the blacklist. , but don’t wait foolishly for others to turn you into a blackmailer. You must take all preventive and evasive actions. Don’t ignore it. Taking proactive actions is the best defense. I hope everyone will not be intimidated by black accounts. It’s nothing special. You can live your life as usual. The key is to face the problem with a positive attitude.

Due to work, I have participated in many execution cases of dishonest people.

First of all, the biggest impact is reputation and prestige. My client used to be a department-level cadre, and he was a relatively high-status person in his family. Later, he went into business and was deceived. After the mortgage loan was not paid, he was eventually executed and was included in the blacklist of dishonesty. Because he asked his brother-in-law to be a co-guarantor for the loan, the brother-in-law was also affected and scolded him in front of the judge. His own mother didn’t know how many times he greeted her, and the client could only squat on the ground. I dare not say a word while smoking. As a person who is almost 60 years old, his dignity is gone in an instant.

Secondly, it had a great impact on the family. The house was gone, and his wife was arguing with him every day. He also thought about making a comeback, but no relatives were willing to believe him. Later, he seemed to have taken on a project to purify seawater. This year we are catching up with the epidemic again. . . The follow-up is unknown. .

Hello everyone, first of all, I am very happy that I can answer this question with you. I would like to talk to you about my work in this practice. The blacklist of dishonest people is just Laolai.

Now I see that I have been listed as dishonest by the court. This one was put on the list of dishonest people by the court! From a legal perspective, it is the person subject to execution for breach of trust. The person subject to execution has the ability to perform but fails to perform legally valid documents. After being listed as a person subject to execution for breach of trust. The living economy will be affected to a certain extent. I will tell you about it.

After the person subject to execution is restricted from high consumption, he shall not engage in the following high consumption and consumption behaviors that are not necessary for life and work: (1) When taking transportation, choose airplanes, trains, soft sleepers, and ships of second class or above Class of accommodation;

(2) High consumption in star-rated hotels, hotels, nightclubs, golf courses and other places;

(3) Purchase of real estate or newly built, expanded or high-end decorated houses ;

(4) Leasing high-end office buildings, hotels, apartments and other places for office work;

(5) Purchasing non-essential vehicles for business operations;

(6) Traveling, Vacation;

(7) Children attending high-fee private schools;

(8) Paying high premiums to purchase insurance financial products;

For your bank account They will all be seized and frozen, and your property and other real estate can be auctioned. For those who are detained in serious cases, some courts now have other new methods.

The court used new media to release Douyin videos to fully expose the dishonest persons subject to execution.

Anyone who is listed as a dishonest person subject to execution or a consumer-restricted person by the people's court will not be allowed to enroll; any enrolled students who have the above-mentioned circumstances shall be ordered to drop out of school or transfer to another school upon discovery. Public schools.

The field of punishment for breach of trust is becoming more and more extensive, and now as a person subject to execution for breach of trust, it is difficult to move forward in society. Some may involve criminal offences.

Criminal Law Amendment (9)" stipulates: "Anyone who is capable of executing the judgment or ruling of the People's Court but refuses to execute it, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine ; If the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined. This is the crime of refusing to execute the law.

In order to promote the construction of the social credit system, credit punishment will be imposed on those who have breached their trust and will be punished. The focus is on voluntarily fulfilling the obligations set forth in the effective legal documents. The scope of punishment is getting wider and wider. It is shameful to break one's trust, so please cherish your trust and do not do that. I am irresponsible to your family.

Since I was included in the list of dishonest people, I have been affected too much, mainly because of the psychological fear.

It was because of my car loan that I was blacklisted for dishonesty. At that time, the car was towed away by a financial company that was 15 days overdue. Then they sued me in the distant Anhui Province. I didn’t see the summons until the epidemic was about to end. , I didn’t know at the time that I was applying for an objection to the jurisdiction of another place. I was asked to execute the request but the car was not in my possession. The result was that I had the ability not to execute the request. It was really a perfect cooperation.

I naively thought that if the car was auctioned, it would be auctioned off, and I would try to make money and repay the rest. When I went to other cities to do errands, because WeChat and Alipay were frozen, I went to the window to buy a ticket. , the conductor said: "The dishonest person refuses to buy high-speed rail tickets"! The people behind and next to me looked at me up and down, and my face suddenly turned red. Only then did I realize that I had been blacklisted!

I used to think that those who have money and don’t pay it back are “old people”. It turns out that those who have no money to pay back are also “old people”. Because of these restrictions and ideological baggage, I have lost many opportunities to make money. I was originally very motivated and thoughtful, but I could only do a tiring and low-paying job. Paying off my debt may be a matter of my next life.

Those who are executed as dishonest persons are subject to the following restrictions:

1. Restricted travel

Untrustworthy persons cannot buy air tickets, trains, or ships of second class or above when traveling. Classes, first-class seats on high-speed trains and high-speed trains, everything related to the use of ID cards to purchase tickets for travel will be restricted!

2. Seizing and freezing capital accounts

Seizing all property under an individual’s name is enforceable by law enforcement officers!

Online booking of travel, housing, insurance, renting, blind dates, etc. will all be restricted!

Under the influence of credit reporting, your personal credit will be synchronized with Zhima Credit. Online shopping is limited to consumer finance, credit card hotels, renting houses, car rentals, etc., and comprehensively restricts dishonest people through the Internet and other channels.

3. Restrict high consumption

Dishonest persons cannot spend willfully in hotels, hotels, nightclubs, golf courses and other places with star rating or above.

People who are dishonest cannot borrow money to buy a house, apply for a series of loans such as credit cards and loans.

Recently, many friends have asked about the impact of dishonesty on the lives of themselves and their family members. Many of the answers are too subjective, one-sided, and insufficiently understood. Therefore, I have compiled some relevant knowledge for your reference. , Sanxia hopes it can be helpful to everyone.

First of all, the person subject to execution can be divided into two types: the natural person subject to execution and the unit subject to execution.

If the person subject to execution is an entity, after consumption restriction measures are taken, the person subject to execution and his/her legal Representatives, principal persons in charge, persons directly responsible for affecting debt performance, and actual controllers shall not carry out the aforementioned acts. If you use personal property for private consumption to commit the aforementioned acts, you may apply to the enforcement court.

Related to refuting rumors: The key point is here. Through the interpretation of the above regulations, the state’s control measures for Lao Lai are becoming more and more strict. It can be said that they are gradually penetrating into daily life. The restrictions on Lao Lai are It has a positive effect, but there are many exaggerated statements on WeChat and major websites:

1: Xiao Ming’s father was judged to be a laoba by the court due to a business dispute and refused to repay the loan for more than 10 years. In 2018, Xiao Ming He was admitted to Tsinghua University, but was rejected by Tsinghua University because his father was an old man.

Rumors: False. Returning to Article 7 of the restriction measures, we can see that the regulations restrict their children from attending high-fee private schools, which are often referred to as aristocratic schools. There are no restrictions on compulsory education and other higher education schools. Restrictions, Chinese parents are devoted to their children, and this kind of news seizes on this mentality to spread rumors, mostly spread by loan sharks and P2P institutions. (Theoretically, it is not allowed to check parents’ credit information in the civil service examination, but some institutions will check it in the name of political review)

2: Xiaolan’s investment failed and she was penniless. She was sued by her creditor and was executed. For a dishonest person.

Rumors: False. As long as the situation is true, the court will classify such cases as incapable of repaying debts and will not enforce enforcement, so there will be no breach of trust.

3: Xiaohong became a black account in the bank because her credit card was overdue for 3 months before returning it, and was included in the list of dishonest persons. During a business negotiation, she was delayed because she could not travel by airplane, high-speed train, train or other means of transportation. business, a loss of 5 million yuan.

Rumors: False. First of all, everyone confuses overdue accounts, black accounts, and dishonest people. A credit card that is overdue for 90 days becomes a black account in the industry, that is, it can no longer obtain new credit from banks and financial institutions. It is called a credit card black account. But not every illegal account will be sued by the bank. If you pay back the arrears and penalty interest liquidated damages after 90 days overdue, you will not be sued. However, the overdue information will follow you for 60 months, which is 5 years. If at this time If your credit card or loan is still in use, then the normal repayment period is 24 months, that is, 2 years. Banks and financial institutions generally refer to the credit records of the last 24 months, but this is not absolute and only applicable. for some banks and institutions.

Even if you are executed as a dishonest person, this case is still considered a rumor. Returning to the first restriction measure, dishonest people are not allowed to fly in second class and above. In other words, you can sit in economy class. If you buy it, forget about business and first class. Article 9: All seats are limited to G-prefixed trains and first-class and above EMU seats. That means you can’t take the high-speed rail, but you can buy second-class EMU seats. This type of information is mostly due to people's one-sided interpretation and panic about the policy, believing that state control is one-size-fits-all. In fact, there is still a lot of room for policy implementation.

4: The country introduced a new credit reporting policy in 2019, and the credit reference history was adjusted from 24 months to 60 months. This means that as long as you are overdue, you will keep the previous records for 24 months. It is no longer applicable and will follow you for 5 years.

Refuting rumors: There is no confirmation that the policy will be implemented. The new regulations have really caused a huge wave this year, and all kinds of chicken feathers are flying everywhere. At present, it seems that there are more reforms to financial institutions, credit cards and consumer loans. The rigid deduction constraints and the identification of hidden financial liabilities are mostly strengthening the supervision of financial institutions, which is generally a good thing for consumer groups.

It’s definitely affected. On the surface, travel is mainly affected. We can’t fly and basically don’t have the money to do it! EMU trains only have second-class seats. The main impact is that trust is broken, the reputation cannot be improved, the integrity is negative, and it is basically impossible to get financing and loans again! There are many people who fail in investment, both due to personal factors and environmental influences. I hope there will be more understanding and support for those who fail in entrepreneurship. After all, there are only a few people who have money that they do not pay back! I also hope that friends who are in debt for starting a business will not be discouraged and work hard to get on board as soon as possible!