Too much debt and being called every day, how do you spend it?

Business failure, debt close to 5 million, bank prosecution, debt collection by relatives and friends, sometimes I really feel that I can't hold on! How many times have I tried to drive down the abyss and died? I hate myself for being too weak and having no courage at all. How many times have I tried to end it with the person who hurt me? But I'm always unwilling. I am more and more afraid of talking on the phone with my parents, and I am more and more afraid of talking on the phone with my children. Look at the white hair on my parents' heads and the wrinkles in their eyes. I can't tell you how sad I am! I can't keep up with the aging of my parents and the growth of my children! Many things have nothing but helplessness! When people reach middle age, all collapses can only be borne by themselves! Life is full of bitterness and pain! You can't tell your parents that you are worried, and you can't tell your children that you are still young! You can't tell your relatives and friends that few people will really help you. After dinner, you will give others more comments and jokes! A person's heart is so big! As night falls, I wake up tossing and turning countless times. Afraid of the dark during the day, afraid of the light when it gets dark. During the day, you smile like wearing a mask! Really tired! So tired! So tired! I don't want to contact anyone! Gradually, those intimate relationships are alienated! No one understands, there is no need to send charcoal in the snow, only to hit a person when he is down.

I don't want to trust anyone anymore. I hate everyone and the world. Those false concerns will only make me more tired! Now all I can comfort myself is to get through it ... and live no matter how hard it is. This is your responsibility. ...

If one day suddenly I really can't face it, I can only say I'm sorry, and at least, you're still alive,

Speaking of which, I am very sad. I was cheated by my friend today, 67 million. My own company broke the RV and sold it, which is not enough. I still owe one or two million to my relatives, friends and banks. Wife divorced, family dispersed. I've been dragging my feet since I found him last year. When I look for debt from outside, I'm going crazy. I am dying every day, and I dare not stay in my own place. Now I'm hiding in a construction site in another city to drive a tower crane, but I still haven't changed my phone. Although I don't answer the phone, it means I'm still alive. Even if it is a few thousand dollars a month, I still want to pay it back slowly. Last year, I was alone on New Year's Day, and I almost walked alone on December 30th. But I still can't bear to think about my old mother and son. Spring Festival is coming this year, and I don't know what to do. I don't know if I can't go on this year. Can I get the money I borrowed from him back? If so, I can at least give the rest back to others.

Yes! ! ! I'm in debt10000000. From my net worth of more than 7 million to my current debt, you are constantly harassed by debt collection calls every day, which makes you exhausted. One minute it's a lawyer's letter, the next minute it's my door, the court will call you at the end of the month and so on. This made me sell all my houses and cars to pay my debts. I still feel that debt is really bitter, and I always burst into tears when I think about it. In fact, there are external factors that have come to this step, but as long as it is caused by my own arrogance and complacency, if I stop loss earlier, it will not lead to this situation. I bought all three suites, my wife and children are separated, my family is broken, and people want to die, so it's over. I once designed to go to Sichuan to see my children, say goodbye to him, and then go back to Shenzhen from Sichuan and fall off the expressway in Yunnan, but when I think of my son's lovely smile and clever appearance when playing games with himself. And without a father at such a young age, I just can't make a decision anymore. Life is worse than death. Owning money to others is also a responsibility. I used to do foreign trade processing. Now the epidemic situation abroad is serious, there is no processing order, the processing factory has no work to do, and even the factory rent can't be paid. Now I live by setting up stalls, solve my life first, find business opportunities slowly, and adjust my opportunities and mentality. I may never turn over, but as long as I work hard and try again, I may turn around.

Get a new number first, and leave the contact information of family and some good friends, and then don't lose the current number, so as to have a minimum consumption. Call to see your mood. Or not to answer. Personally, I think that if there are too many dunning calls, even the best psychological endurance will eventually collapse. Learn to adjust yourself. The most important thing now is not to make a plan to pay back the money, but how to live first. You must pay back the money, but if you can't survive now, don't think about those things. Then look for a job, no matter what kind of job, people should make themselves move, and can't give up when they are in debt. Another way to increase confidence is to buy a lottery ticket every week. 2 yuan is enough. Maybe you will win, right? Encourage yourself, give yourself courage and come on.

In order to improve your present situation, two things must be done at once.

First of all, there are two kinds of debt collection calls: one is from a bank, and the other is a third-party company entrusted by a bank, that is, a debt collection company or a collection company. If it's a phone call from the bank, communicate with them carefully for three to five minutes and express the following views: you are willing to repay, but at present, due to your financial situation, you can't pay it back, and now you are trying to improve yourself. Try some income-generating measures and ask the bank to wait a little. You don't want to pay back the money because of your subjective will. If you call again in the future, I hope they will call when you are not busy and make an appointment. Other times, you have to go out and earn money. Please don't bother to thank them, and then you can hang up.

If it is a third-party collection company, simply say three or five sentences and you can hang up. If they call your family or your colleagues, you can call this bank directly to complain, and the bank will stop them. There are relevant regulations in this country, and harassing phone calls is illegal. Don't be afraid of this. You owe money to the bank, but they can't harass your family and your colleagues. Call the bank for the second time and the CBRC for the third time. You can call 1 14 to check the CBRC number in your province. This is your right.

Secondly, actively carry out income-generating planning. You know, if you owe a lot of debts and rely on normal work, you can't pay back thousands of dollars a month after deducting living expenses. This money is still not enough. I suggest planning the time of the day reasonably and specifying what to do besides sleeping for a few hours. Make a plan and then carry it out. First of all, try to earn living expenses. It is not difficult to earn thousands of dollars a month. I will give you some advice on some things I have observed.

It's not a shame to make money, but it's a shame to lose face.

I once met a man who went to the construction site near the shed at night to help these construction workers get their hair cut. Because workers are usually busy during the day, they are unwilling to spend more money in regular barber shops. 10 yuan It's economical and convenient for them to get a haircut and then go back to take a bath. It is not difficult to get a haircut at the gate of the construction site and earn tens of dollars a night. Everyone pays attention to details, so there is no need to invest too much. I saw the man riding an old motorcycle with a chair. Broom and shovel. After work at night, he will take his broken hair to a nearby trash can and don't leave it on the road. In addition, he has a headlight on his head, which can be bought online, and Taobao has it for more than ten dollars. More than 20 yuan can buy a man hair clipper. Old motorcycles can be bought for hundreds of dollars. Hundreds of dollars can make money, one site at a time, and now many office buildings, bridges and houses are under construction, many sites.

Another way is to spend about 100 to go to a township health center, get a health certificate, and then use a second-hand motorcycle to deliver the food. It's no problem to earn one or two hundred dollars from morning till night in Meituan and Hungry Platform. If you want to control, you can join their team. There will be people in charge of order from morning till night, but they will be more strict. If you want to be flexible, join crowdsourcing mode, pick up if you want, and turn off the system if you don't want to pick up. Download the APP in crowdsourcing mode and get a health certificate.

You can't make an investment of several hundred dollars. The beverage bottles and waste products in the garbage cans on the street will earn tens of dollars if you sell them on the same day, and in a few days, it will be enough to buy second-hand motorcycles, which are available in general repair shops.

Of course, you can't spend a lot of money on takeout or helping people get a haircut. This can only be for survival, because it is difficult to find employment now. During the epidemic period, many enterprises had poor benefits, many people were unemployed, and the newly graduated college students had no jobs. This is survival first.

If you want to make more money, you must use platforms and leverage, but without platforms and leverage, you can't borrow the principal, because you have no technology. I lost my loan and owed more money. At present, the most feasible lever is the Internet platform. You can earn more money by learning a technology with the help of the power of the Internet. For example, there are many ways for Tik Tok to get rich now, and I don't know what your past life experience is suitable for, because everyone's experience and what they have learned are not in vain, and maybe it will be of great help to your future entrepreneurship one day. Therefore, take-away food is delivered at the peak of food delivery, at night, and you can learn something at other times. Learn some skills. With the leverage of the platform, you can make a lot of money and pay off a lot of debts when you start your own business. Remember, I reiterate that it is not enough to pay off a lot of debts by working to earn wages. Don't borrow new debts to pay off old debts, refresh cards to pay off old debts, borrow usury, and rob Peter to pay Paul. In Taiwan Province, it will only get worse and worse. Let me make another metaphor. My suggestions above are actually two points, one is to stop bleeding, and the other is to be reborn.

I hope my suggestion is helpful to you.

It's like after a few years, I'm anxious, and I have to sleep at two or three o'clock every night.

I believe I have the ability to pay off the money I owe, but I still don't know what I believe to help me.

My phone number has been used for twenty years and I never thought about changing it. I feel that if someone calls me, I just don't answer, and the other party will know that I'm still alive, believing that I won't break the contract.

Especially at the end of the year, when the phone rings, I feel uncomfortable. I can't help it I'll try to answer and then explain. Most of them will understand and know that I am working hard outside.

Anxiety is useless. If there is a problem, we must solve it. As long as you are alive, you must work hard and be clean.

I failed for half my life, and the previous generation lost more than 200 thousand, but it didn't exceed the agreed time. I planted 100 mu of flour and rice, and generally I did what I could, but I didn't borrow anything in those years. I borrowed 50 thousand this year and agreed to pay it back in one year, so I want to pay it back early. It is normal to pay interest in full for one year, and the interest is 1.5 per month for one yuan.

I remember nine years ago, my brother borrowed 5000 yuan from a family in our town. At that time, it was agreed that the monthly interest would be 70 cents, and there was no time limit. Pay back if you have money, but it's ridiculous. I went out several times when my brother gave me money to pay it back. Later, I thought of a way. At that time, I also knew that these lenders would not go home. One night, my brother-in-law and I hid. In this way, the loan was repaid, and he was finally a good man. He told me that the money was not mine, but was released by insiders of the bank, so the interest was a bit high. Until now, I still thank him and count him as a man who tells the truth.

Although money is everything, it is absolutely impossible in the sense of planting. It is not as important as the friendship between relatives and friends. Be good friends financially, settle accounts, be honest and be practical.

I encounter more psychological pressure, such as the following situations:

1. Reasonable type

You should keep your word and keep your word in business, otherwise the business will not be done well. You must be a man before you do anything. If you don't keep your word, you can't do business well. To tell the truth, I understand these reasons, and I also understand that I have read books. The reality is what to do without money. I tried to save money and make money, but it was a drop in the bucket. I can only say all the good things while listening to your long-winded moral lessons. By the way, if you are free, I would appreciate telling those thighs about these courses. My arm couldn't twist my thigh, so my little arm was broken by those respectable thighs.

2. Complaining type

Mom is sick at home, children have to go to school, car insurance is overdue, and money is urgently needed. Now the freight is low, the hotel dare not stay, sleep in the car every day and eat by itself. Cars are difficult to maintain, and it is difficult for drivers to make some money. Please pay my freight. I'm sorry. I'm really sorry. I know all these situations and even feel the same way. Every time I answer the phone, I feel painful for a long time. I hate my powerlessness and my original sin.

3. Perseverance type

One phone call every morning, one phone call every afternoon, interspersed with WeChat several times. I haven't forgotten. I remember owing you money. I remember every one. There is nothing to deal with when answering the phone, and the information is pale and weak. I am here. I didn't run. I remember being here. I don't breach the contract. I really can't turn around for a while. Give me some time, and I will try to earn some money to pay you back. I'm sorry

4. Face to face type

You can find me on the phone, you can find me on WeChat, and you can drop in at home. It's just that I really don't think it's necessary If you can wait for the money at home, I really welcome all of you to have a glass of water and have a rest. Perhaps in the current social environment, everyone thinks it is more effective to meet at home. Perhaps, it may be that the phone WeChat always feels illusory, and meeting is true.

Step 5 abuse

I * * your mother, you liar, you profiteer, your mother's x ... Okay, it's okay, I admit it. I owe you money, and I have nothing to say when you scold me. I don't talk back. It's really my fault. I answer the phone, too. Bear with it, after all, I have learned from the past.

6. Verbal threats

Believe it or not, I hit you. There are dozens of drivers in our team, which must be ugly. How can I put it? I can only stand being beaten, because I owe you money, and I just want to fight, so that I can continue to work and earn money. The insurance has expired and I can't pay for it. If I really want to do it, there's nothing I can do, and I won't say I'll pay for it. Even if you hit me, I will pay you back.

7. Types of platform complaints

There is a platform in our business called Yunmanman, through which we can find drivers to deliver goods. So some drivers will complain on the platform and seal my account. This move is really deadly, and no one in the account eats it. To tell the truth, money is more difficult to earn something else, except to make me feel worse, and it doesn't help. Speaking of this platform, it is also a typical treacherous thing. The standard bitch wants to set up a chastity memorial arch, so the more moral and religious this society is, the more unreliable it is.

8. Type of lever force

I will block your customer's door, and I will detain your customer's goods. This move is the most malicious, especially for customers with a contract period. Customers will definitely put pressure on us to solve the problem. If I want to continue this customer's business, I must solve it. The current situation is that it has closed down and the business is gone. What can we do? This kind of play is also behind the scenes that pushed me into the trap.

Everything, everything, is wrong because I owe you money.

I owe you money because I was cheated and suffered heavy losses.

Because I suffered heavy losses, I accidentally continued to implicate you.

I brought you trouble, which made your reputation worse and worse, and business more and more difficult.

Business is getting harder and harder, and it is even harder to break the current predicament.

It's okay now, it's closed down, and I have to find a job, counting on a salary of several thousand dollars, and I don't know when I can fill this hole.

Sorry, no matter what you do to me, I have nothing to say until I pay off what you owe me.

I'm sorry, it's my experience that has caused you trouble.

Sorry, I don't acquiesce. It's just that the road to repayment is too difficult, too bumpy and a little slow.

Too much debt and being called every day, how do you spend it?

I have a friend with a debt of 400 thousand. Every time I have dinner with him, his phone basically keeps ringing. At first, I thought it was a busy business, but later I learned that it was all dunning calls. This friend is also very resourceful in persuading micro-credit dunners.

According to this friend, after more dunning calls, he bought a new mobile phone, changed a phone number and sent the new mobile phone to relatives and friends. The original number is only responsible for receiving dunning calls. Sometimes when we have dinner together, Cui's phone rings, and he answers it and puts it aside. After three or two minutes, he picked up the phone and told him that he had no money or property, and the property he had left behind had been enforced by the court. It's not that I don't pay you back, but that I have no money. Now it's up to me. If you want to arrest me, I'll go in. If you want to pay back the money, you need to wait longer. There is still hope for you to change slowly now.

In fact, this friend is full of grievances every time he mentions loans. Because of the original business turnover, I received some online loans and small loans, but most of the principal has been paid back. Most of what is left at present is interest. Even part of it is interest rolling, that is, interest rolling has such a big load.

At the beginning, every time I answered such a phone call, I was very upset. I can't sleep at night and cry at home. There's too much pressure. But after a long time, I want to open it myself, because the principal has been repaid and the interest is still increasing. Although I was blacklisted, there was nothing I could do. After all, I have no ability to repay, so I can only use this method.

Recently, the state cracked down on illegal micro-loans, and this friend rarely received calls for debt collection, which means that the rest of the interest does not have to be paid back, and life may gradually return to normal.

In fact, some micro-credit loans have high interest rates, and people who are deeply involved in them are all because of rolling interest. Under the vigorous rectification of the country, some companies have closed down, and the debt relationship may not exist. As long as you face unreasonable loans with a normal heart, I believe there will be an end one day.

What do you think of this? Welcome to exchange comments.

Answer the phone if you want, or don't!

As long as the contact information is not changed, malicious evasion of repayment cannot be established!

Debt is also the trend now, and it is another fashion!

Put your mind right and pose!

Lead the fashion to experience the difference and test of life!

700 million people have overdue debts, and one more and one less will not affect the overall situation!

No problem within 50,000!

First, there are many groups that owe more than 50,000 yuan.

Second, the court is run by the state, so it is not so idle.

Third, online lending is only private lending, and it is rarely heard in court. 98% of the debt is repaid through a reasonable plan negotiated by both parties.

Fourth, don't let the collectors say that your case has been entrusted to them! First, let them give you a power of attorney! Second, what is a case? Those that have not been handled and judged by the departments and units stipulated by the state cannot be defined as cases or individual cases! Debt is only an economic debt dispute, not a case! ……

Pay as much as you can Debt is not a good thing.

But trying to make money also requires methods and cognition! If you don't change your thinking mode, you can't solve the debt problem by staying in the original realm!

You must set goals and hard conditions for yourself. For example, if the debt is higher than 1 00000, you must demand that your monthly income is not lower than10000. Otherwise, it is still very difficult to land! In fact, there are too many ways to increase income now, such as investment, hard work, grafting, integration, transformation, virtualization, tradition, network … just find the one that suits you. But if you want to be cured, you must grind your teeth and change yourself! Let's go

If you want to go ashore as soon as possible, welcome to discuss and experience [an epiphany]