Are you in debt? Have you ever collected debts?

I am in debt, and I am still in debt, which has exceeded 1 10,000. As a woman who works in the system, these debts make me overwhelmed. Now in the process of debt collection.

202 1 1, I'm almost completely overdue. I use the word "almost" because there is another bank whose credit card I dare not overdue, because my salary is paid through this bank. Let me show you my debt:

Now, I'm afraid to answer the phone. Every debt collector tries his best to trick you into paying it back. Said he was suspected of fraud, malicious cash, etc. Let you pay back part of it first. To tell the truth, if you still go in now, you will probably have to pay interest and liquidated damages. Besides, I really have no money to pay back now. So I stopped answering the phone recently, and then I called the office directly and my colleagues, saying I couldn't get in touch. Let the people who answer the phone at work not be annoyed. Boss also told me that you can't refuse to answer Well, I answered the phone. I told the bank that I could apply for personalized installment. I am willing to repay, but my current income can't even afford the minimum. I hope to apply for a longer repayment period. The bank turned me down, saying that I didn't meet the requirements. I can only continue to contact the bank to see which bank is willing to accept my installment application, and I will pay it back first!

Paying off debts is a matter of course. With so much money, I don't know when I can try to pay it off [shed tears]

My personal debt is about 300 thousand.

Relatives and friends borrowed 68 thousand, three credit cards cost about 70 thousand, and the rest were online loans. There are too many online loans, and I don't know how much I owe, because they are all overdue now, and I can't even pay back the principal, let alone so much interest and penalty interest. Let's forget about that for a while until we have money.

Credit cards and online loans are overdue, and there must be a collection later.

My credit card and online loan are overdue for more than three months. At first, I was particularly afraid of overdue. Originally, I didn't owe money to my relatives and friends. All the money borrowed is used to repay the online loan, but it is still not enough. There's nothing I can do. If you can't borrow money, you have to pay it back. They are overdue.

Now that I think about it, I shouldn't borrow money from my relatives and friends. I don't know when I can pay them back, and the online loan credit card has not been paid back. If you borrow money to pay back the money, your debt will not be reduced. It's better to stop borrowing money, and it's not advisable to raise loans with loans. After the deadline, there are usually collection calls and many collection messages. Dozens of collection calls a day are normal.

Later, some reminders will send letters to my home. I'm not at home at ordinary times, and it's useless for them to send more.

No matter how many calls I make, I won't answer. My mobile phone is set to mute. I know they call and send text messages, and I don't know how to communicate when I answer their calls. Your own life is a problem. If you have money, you'd better pay them back if you don't answer the phone.

After a long time, the number of collection calls will gradually decrease, and there will still be collection news. If you have no money, you can not pay attention to them. You can make money with peace of mind. If you have money, you can say anything. It's no use telling collectors a lot of reasons without money.

My online loan APP has been deleted, out of sight, out of mind, or often opened to see how much interest and penalty interest have risen, which will increase my pressure and make me not in the mood to go to work.

No matter how much money you owe, it is the last word to live your life first and make money with peace of mind. Imagination is useless. At this time, others can't help.

Everything depends on yourself. Pay it back if you have money. If you have no money, they can't do anything.

At the beginning of 20 14, I borrowed 6,543,805 yuan from Zhao Nvshi for my friend, and agreed to pay interest at 2 points per month and quarterly for one year. Because I always pay interest quarterly, Ms. Zhao thinks I keep my word and wants me to continue to use it after it expires. My friend can't wait. It only takes more than four years, and the interest paid exceeds the principal.

It was this loan that finally met with difficulties on 20 18, because my friend's capital chain was broken and I was unable to advance it myself.

I'm not afraid of your jokes, but this loan was forced home by the creditor, and I almost couldn't cope.

I think that in a few years, not only did the interest paid by this loan exceed the principal, but I also introduced another business to Zhao Nvshi, which can be said to have brought her many benefits. I can't afford it now. After several years of business cooperation, I hope that Ms. Zhao Can will continue to postpone this matter. I'm sure Zhao Nvshi will agree. I didn't expect Ms. Zhao to hear that I would be in arrears with interest for some time. I saw her smiling face just now, faster than turning pages. Suddenly it was dark and her voice rose. She hit the nail on the head and said, "If you have money, you have to pay interest."

I originally agreed to discuss with her, thinking, you really don't agree to owe interest, you can agree to postpone the principal for another quarter, and the interest can still be paid for another quarter. If you really don't agree, it doesn't matter. Me too. Can you make a good gesture?

"Hum!" Zhao Nvtu was not negotiable, and the answer was decisive: "No, I will give you a week at most, and you must hand over the principal!" "

I don't like her face, which is "yellow" than Huang Shiren's. I thought to myself, if you don't respect me, I will deliberately push it off and see how you treat me.

So, I don't pay back the money, but I have to feel how good she is at asking for accounts.

A week later, I didn't return it. She didn't make any noise when she saw me. That night, she came to my house with her husband.

I entertain them like a VIP. Her husband is an easy-going person, but he has no right to speak. As soon as he opened his mouth, she scolded her husband to pieces.

It seems that I really met a hard recommendation. Seeing that she is so bad to her husband, I don't like that virtue even more. So, I fought a protracted war with her and made two points clear: first, I hope she will not forget the benefits she has gained in recent years; Second, I hope she understands my immediate difficulties. At the same time, I show my attitude and viewpoint: the money must be paid back, but it will take at least three months.

Zhao Nvtu is like a nail in her ass, sitting motionless and threatening: "I won't leave until you return it!" " "

I said, "I won't chase you if you don't leave." I have a spacious house, a place to sit, a place to stand and a place to sleep. I have water to drink when I am thirsty and food when I am hungry, but I have no money. "

She said, "If you don't pay me, I'll follow you wherever you go from tomorrow."

I said, "Even if you give me money, I don't want it. The money will definitely be returned to you, but not today or tomorrow. If you don't want to hold on to me, I will accompany you to the end to see who can afford it. "

Although she is a shrew and holds her husband down, she can't beat me, quarrel with me or scold me. At two o'clock in the middle of the night, she angrily scolded her husband: "Go! Call you all the way? Use it! " Then, slam the door.

I think, if she is still unreasonable tomorrow, I will continue to waste with her. If she doesn't come, I'll give her tens of thousands the day after tomorrow.

Sure enough, I didn't come the next day. So, on the third day, I took the initiative to pay back 30 thousand first If she doesn't ask for anything else, I'm going to return another 20 thousand that night, and I plan to return it all within ten days.

At noon on the third day, I paid 30 thousand first. She feels less. I explained my repayment method to her. If you don't hurry, you can return it within ten days. If I rush it, I will return it whenever I want.

Speaking of which, she is really in no hurry. She wants to return it to her on the tenth day, so why argue with a woman like her? So, on the fifth day, I simply returned it all to her.

Her husband went over and explained, "Sorry to rush you." However, if you cut down the old man's tree and make him scream, you will be quieter at the end. "

Ms. Zhao's eyes were full of anger. He replied to her husband, "You are the old woman!" " However, seeing the money received, she didn't hit her husband again.

I have been heavily in debt. I get more than a dozen phone calls every day and even send letters home. In fact, sometimes you have to face the debt bravely. This is not shameful. Whether it is spending money on a whim, starting a business, or something else. Everyone makes mistakes sometimes, and it is important not to make mistakes again. Family members are related by blood. Although they will blame you for your mistakes, they will tolerate you. Only by confessing yourself will the harm to them be minimized. Don't wait until Cui Shou is at home to tell them, which will do more harm.

In the first year after graduating from college, I worked as an intern in a decoration company. I think I finally made money. I am eager to prove myself. I swiped my credit card and bought a jade bracelet for my mother. I didn't know if it was true or not. I am very excited. I plan how much I will pay back every month. As a result, the next month, I was calculated by the old designer of the company and sent to the construction site to look after the customers. The client's commission was given to the old designer, and my life was very sad. Later, I resigned and found a job as a home improvement designer. The internship is very sad. The monthly basic salary is 800, which coincides with the off-season. I haven't seen a client for a month. Later, my credit card expired and collapsed. I clearly remember my mood at that time. Fortunately, the sad days have passed, and finally I don't have to get out of the whirlpool of money. My life is beautiful, and I will cherish it.

I don't understand why many people are in debt. Besides having a mortgage, I just like a down-to-earth life. I don't put on airs. How strong is my ability to do a lot of great things? With so many debts, I will collapse one day and make myself passive. Money is a thing apart from me, but I really can't live without it. Without money, I might really starve to death. So, I don't panic if I have food in my hand!

At present, I still have debts, and I have paid a lot. When I was young and not sensible, I also used a credit card to borrow money. It's only seven or eight W in total. Although it's not much, it's also a great pressure for me who has no stable job in a third-tier city. This investment has been overdue for nearly a year. What I can see every morning is that it's time to pay my debts. I think the hardest thing in life is what you owe, and you can't make it up. I always have to go by myself in my life. At present, the debt is almost exchanged. Every time I watch The Shawshank Redemption, I have a brand-new feeling. "In my heart, there is a place that can't be locked, and that place is called hope." I also advise everyone to spend rationally, and I also advise people in debt not to give up our initial hopes because of the pressure of life.

I am light without debt, but I have experienced the scene of debt collection. Every year during the Spring Festival, people ask me for debts. ......

Let's start with my family. When I was a child, my family planted a lot of land. Besides crops, our family also grows a lot of ginger. At that time, every family planted a lot of ginger and made money by selling ginger. After ginger is harvested, people will sell it to people who come to collect ginger, or take care of a car in their own home and neighbors' home and take it to wholesale and retail in other places, so that they can sell more money.

So many people will go out to sell ginger, but planting ginger will be very troublesome, and a lot of money will be invested, such as fertilizer money, ploughing money, rake money, ginger mother money, medicine money, artificial money and so on. It costs a lot of money to invest in an acre of land, but it doesn't mean that you can make money by investing, and sometimes you will lose a lot of money, such as ginger plague, which is Jiang's favorite disease and the most feared disease.

On the other hand, although the planting failed, the investment per mu of land is there! I didn't make any money this year, but I had to pay a lot of investment money, and everything I needed for farming at that time was on credit, so every New Year is a time for people to ask for debts. This is our family. Every year during the Spring Festival, many people come to our house to ask for debts. Because it is the Spring Festival, everyone needs money, so it is the day when the Spring Festival is coming and it is also the time when debts are most needed. Sometimes you have to get into debt if you don't get up in the morning. They can stay for a long time as soon as they stay, and sometimes it's very annoying to look at them if they don't go and come again. When they come, my parents will give them some lucky money, and sometimes they really can't. My parents will keep putting in a good word for others and smiling.

Whenever someone comes to our house to ask for debts, I am very unhappy. I hate it when they come to our house to ask for debts, because they talk badly and put on all kinds of faces. It makes me feel particularly uncomfortable to see my parents speak well of them like that. At that time, I thought, when I grow up, I must earn money to help my parents pay their debts and not let them pay them back! Don't let debtors come to our house again.

Maybe I have experienced such a thing since I was a child. When I grow up, I am still very rational about my view of economic consumption. No matter what I shop, spend or do, I never spend blindly. I will spend reasonably within my financial ability and don't want to be in debt! I won't overdraw my credit, swipe a lot of credit cards, and let myself live a life of cutting meat every month for a while!

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 copy. 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.

20 15 I also have a lot of credit cards, AliPay and online loans, which add up to hundreds of thousands. They are all killed by gambling, and they are all down and out. As long as you take good care of it and pay it back slowly, you will pay it back one by one if you have money, and you will never even play with interest. I hope that friends will never go to the loan, and don't go to the online loan.