How to treat the face of collection

I am ashamed to say that my debt is 40+, which is completely overdue. Everyone's loan platform is different, and the collection may be different. Let me talk about mine ~

1. cooperation: overdue collection is normal, and people with overdue debts will experience it. Don't worry too much, just actively cooperate with the bank to express personal repayment will, and don't be considered as malicious overdraft! Even if there is a reminder, there will be no excessive behavior. Normal credit card institutions are normal, unlike 360, which scolds me as soon as it comes up.

2. Negotiation: Credit card holders only need to reach a repayment agreement through active negotiation with the bank and repay on time every month, and there is no overdue. As for online loans, I will still answer the phone and tell me my current situation and wishes, but I will still hang up when I encounter 360! After all, I won't be overdue if I have money, but who will wait for the collection call if I have money?

3. Psychology: I met a little friend who was completely overdue by 30+, and my family gave me great help. I envy him for helping to pay back 15w, and I paid back the rest myself. After the negotiation was successful, I was told that I could save 500 yuan a month to manage my money, but when I was told again by inexplicable fears, I always felt that I would waste it. People should not have too much negative energy and regain their mentality.

As the saying goes, you can also manage the debt first, manage the debt first, have a good attitude, plus reasonable planning and negotiation for repayment, and then manage the rest. In fact, our own mentality can affect a lot. It is important to be full of energy inside. What kind of internal energy state we have will bring what kind of external people, things and things.

So no matter what kind of collection you encounter, it is overdue anyway, and there is nothing to be afraid of. At this time, it is the last word to regain your mentality and make money hard!