With no income, a lot of debt, and being called for payment every day, how did you get over it?

As a member of the debt-ridden army, I feel particularly deeply about this issue.

I started to be in debt in 2019. The debt broke out in March 2020 and was completely overdue. It was only in May of the same year that I got back on my feet again.

In the two months from March to May, I experienced serious debt collection. All kinds of phone calls kept ringing all day long, my address book was exploded, and then there were all kinds of messages, threats, and court summons. Wait for information that is difficult to distinguish true from false to be flying all over the place. I had never had this kind of experience before and I was confused. I acted like a fool every day. I was depressed, demoralized, easily irritable, silent, inferior and autistic, etc. All these emotions came out.

Of course, at this time, I am like a dreamer every day, dreaming of unrealistic dreams. I often wonder if I win 5 million by buying a lottery ticket, will my debt be paid off? ? If the online loan company goes bankrupt or the boss runs away, will I not have to repay it? If a friend can lend me tens of thousands, will I be able to survive the difficulty? If the country introduces a policy that applies to online loans across the board, will I not have to pay back the money? Imaginations like being in debt are repeated in my mind every day, but this is impossible. Debt is still debt, and collection calls are still being made.

The turning point came when my mother was sick and I was accompanying her to the hospital for treatment. I don’t know why, but I suddenly sobered up a lot. Apart from those negative emotions and fantasies, I thought of a practical problem. That is, if I continue like this, with no savings and no job, what should my parents do if they get a serious illness involving life and death? Especially because of the powerlessness without money. This thought was like a bucket of cold water pouring down on me, waking me up.

Next, I began to actively negotiate with the bank’s customer service, taking the initiative to call to express my willingness to repay, and explain my situation, and then communicate and negotiate for suspension of interest payments or suspension of interest installments, etc. As for online loans, I will first pay the loan. On the side, I was waiting for when I could save enough money to clear the account, and I was paying it back, changing my phone number, and the outlets started not answering calls.

Then I went out to find a job, worked part-time, and worked hard to make money every day. As of now, I have paid back almost 300,000 yuan.

In fact, it is quite simple to get over it, that is, you have to stand up proactively, don’t be depressed, let alone have unrealistic fantasies, and take real actions, no matter what you do, No matter what you do, you have to do it first, and first have a stable job and income.

The Emperor and Heaven will live up to their conscientious people, do their best to fulfill their duties, and obey the destiny. However, they must do their best to do things well in order to summon better destiny.

When you look in the mirror, ask yourself, is there still a way out? If not, that's it, no choice.