What should I do if I can’t pay off my debt and I’m desperate?

I owe money but not my life. I am 1 million in debt. You are not alone in the army of debtors!

1. Current Debt Situation

750 million people across the country are in debt, but most of them are car loans and house loans, which are different from penniless and heavily in debt people like us.

However, the total amount of overdue credit cards currently exceeds 80 billion, which does not include overdue online loans. In addition, there are more than 15 million people subject to execution for breach of trust. What a concept! Count how many people are owed money!

So debt is not terrible. Debt is not even a criminal case. We still have personal freedom and can still make money and live! Those sentenced to more than ten years or even life imprisonment are still holding on!

2. Mr. Survival

The confusion of debtors cannot be understood by ordinary people:

Regret for the reasons that caused debt in the past;

Lost hope for not being able to pay off debts in the future;

Unable to shoulder obligations to family members;

Not willing to leave this beautiful world!

Therefore, debtors must first put aside their debts and prioritize survival. Find a job or do something to survive. Or we must first ensure the livelihood of our family, and as for the debt, we will take our time!

3. Don’t be anxious or anxious

It is impossible to deal with the heavy debts immediately. They are all battles that take a long time. This time may be three to five years, or it may be ten. Years or even a lifetime!

Working hard while ensuring survival, who knows what will happen to us in the next ten years! Even if we don’t have debt, we still need to work hard.

On the premise of doing your job well, try to do some part-time jobs or side jobs, and look for various opportunities to make money. Self-media is also a good choice, and does not require any capital investment!

4. About Debt

If you are heavily in debt, you will inevitably be overdue, and you will suffer from collections from banks and online loan platforms every day. In fact, once you get over it, you’ll get used to it!

Banks and platforms are just trying to get you to pay back the money. Since you are penniless, why should you care about the pressure? They can’t do anything to us!

Of course I’m not telling you to be a slut, but we must ignore it first before we can make money safely!

5. Regarding debt collection

Don’t lose contact with bank debt collection.

Regardless of whether you have money or haven’t paid back yet, occasionally answer collection calls to express your willingness to repay and explain the current situation!

For online loan collection, it depends on your mood, you can accept it or not! As for whether the address book will be exploded, why do you worry about it? Whatever is supposed to come will come!

Even if the bank or the platform sues you in the future, it will still be a civil dispute. Although you may be restricted from high consumption, it does not restrict your personal freedom. We can still work and make money!

May all debtors come to shore as soon as possible!

Friends, there is no such thing as a dead end, there is always a way before the car reaches the mountain! If you owe a debt, don’t default on it. I’ll give you some suggestions. You can try them!

1. There are several types of debts you owe, such as those from banks, relatives, colleagues, friends, credit cards, classmates, usury, etc., right? Now I can understand why your business is losing or whatever happened to you, but one thing is that you, as a man, must face everything bravely, because everything is caused by ourselves, so we must take responsibility. What you said You are at a loss because you can't let go of your face, and you are still carrying it to your death. The more you carry it, the more tired you become, and the more you need face, the harder it is, so you should put down all your face now and communicate with your creditors!

2. In the process of communication, loan sharks are the most difficult to communicate with. You can choose to call the police with this kind of people, or go to them directly and explain clearly that if you loan sharks, I will also pay you a lot of interest. Well, now you see for yourselves, I have no choice but to call the police, or let them handle it through the courts! If they say they will give you time, then you should have a good communication on how to repay it. You can only repay the principal, and there is really no interest. Three years, five years, or so. Don’t be dishonest when communicating. Some people just threaten you. Go to your house, your wife's house, etc. Then you let him go. If you agree with your family, go to the police. After all, if your family doesn't owe him money, you do, so you must know how to use the law to protect yourself! We can only be there if we are in position.

3. You must take the initiative to communicate with the bank. After all, the spread of the epidemic this year has a very large impact, affecting people from all walks of life, even part-time workers, so take the initiative to communicate with bank staff Communicate, be low-key and be a low-key person, and ask the bank to postpone the repayment. The bank will always ask you how to repay, in installments, quarterly or annual. You must think about it yourself and tell you when you start making money. Stop bragging and make money. Two thousand is worth five thousand, you yourself have no chance with this kind of person.

4. Credit card is also important. First of all, take the initiative to communicate with the credit card issuer. If you really can’t afford to pay it back now, plan when to pay it back if you can. Pay it off in one go. Don’t use the credit card a little bit. It's useless, some people are just afraid, and they have to pay off the credit card again and again. If you pay this kind of person for ten years, you won't be able to finish it, because you will keep paying off the interest, so you have to pay off the credit card in one go.

5. Ignore the credit card collectors, because they can only make you uneasy through threats, intimidation, and other means. To deal with such people, you can block them, because they are unscrupulous trash. , there is no need to pay attention to it, and there is no need for you to be afraid of anyone, so you still need courage when you owe a debt. You must have mentality, courage, and courage. You think others owe tens of millions, how much do we owe, right? .

6. You should also talk to your relatives, friends and colleagues about their money. Money is not important. Others will understand that you have lost money, but you must keep your words. If you have all the above Once it’s taken care of, what about changing your number or working in a different city? Your wife should be more generous with you and tell her that you can’t stand her. Men can afford to take things and put them down. Women are like clothes. , you can still ask for it if you have money, the couple in need is in decline! So think about it yourself! There is nothing that cannot be overcome, we can only face it bravely and work hard to make money! I’ll give you a word: I’m born with talents that will be useful! Come back after all your money is gone! As long as we work hard! Hard work and simplicity! No difficulty can defeat us!

Nowadays, many people across the country are in debt, ranging from as little as tens of thousands, as much as hundreds of thousands, to millions and millions. The life of being in debt is indeed difficult. At this time, there is no way out. You need to be mentally strong to face the cold words from relatives and friends, and calmly look at the joy in others' misfortunes from peers and even outsiders. You have to believe that difficulties are only temporary. When you are at the lowest point in your life, you often feel helpless. No one can help you. Only an invincible spirit can save you from the pit.

Debts are not debts. Survive first, survive, struggle, fight hard, and make money every day. The debts will get smaller and smaller, but it is not the kind of demolishing things to make up for things. Since you are desperate, then you are forced to go ashore. Life has its ups and downs, its ups and downs, its ups and downs. Put your debts aside, work hard, and settle your accounts carefully, and things will become easier and easier.

Nowadays, almost 90% of people are in debt, including car loans, housing loans, etc. I don’t know how much debt you owe and what it specifically consists of. If it is online gambling, then you are now If you want to quit, you will lose nine times out of ten. It is impossible to turn around by relying on online gambling. You will only become more and more in debt. Debt is not terrible. What is terrible is that you choose to give up yourself because of debt.

First of all, take a piece of paper and list the amount of your debts, such as the amount of Alipay, WeChat, friends, online loans, etc. Write a list, including credit cards and Alipay. If the annual interest rate of an online loan is higher than 40%, don’t worry about it. This is a loan shark. Even if we sue you, we will not accept it. If you owe the bank, you can negotiate with the bank to repay it in multiple installments to reduce your workload. repayment pressure.

Secondly, you need to cut costs and reduce unnecessary expenses, such as drinking and singing at night. Use your off-duty time and spare time to work part-time to increase your income. There are many types of part-time jobs, including Running errands, being an online ride-hailing driver, acting as a driver, setting up a street vendor, self-media, etc., part-time jobs can also add thousands of dollars to your monthly income.

Finally, never give up. The sun always shines after the storm. As long as people are around, you will always turn around. No matter how difficult the road is, there will always be a day when you reach the end.

After reading most of the answers, they all agree that being in debt is not terrible, the crime is not punishable by death, and there is no need to bear criminal responsibility. However, only those who are truly in debt can truly understand how terrible, torturous, exhausting, injured, and difficult the days of debt are. Although living is really worse than death... Those who are in debt have a hard life

1. Everyone betrays their relatives and alienates them.

2. Wife and children separated.

3. Poverty and poverty.

4. Homeless.

5. Difficulty.

6. Nothing.

The above contents all describe the painful dilemma of debt life. If we want to say that it is terrible, these are nothing. The most despicable thing is the piercing death of the secular culture - the eyes and the ironic language; coupled with the valid legal documents, the disciplinary provisions for debtors, the light In the worst case, it can be done through mediation, negotiation, or execution against personal fixed assets. In serious cases, you may even be held criminally liable, so! Dear friends who are in debt, we really cannot easily ignore the responsibility of borrowing money.

At the same time, borrowing money is not something you can just say "you can't pay it back". For any creditor, TM's money is not blown by the strong wind, it is all hard work. It is hard work, accumulated every minute. Although I am in debt due to various factors, this is not a reason not to pay back the money. Since I currently do not have the ability to repay, then it can be alleviated through negotiation. one time. As a debtor, you must believe that this society is still beautiful and loving... Don't give up the basic standards of life easily.

Difficulties cannot hinder a person’s desire to survive. As long as you work hard enough, are honest enough, persist enough, know how to be humble and work humbly, you will definitely get opportunities.

To say that debtors have "no way out" is an unintentional term. It can only be said that the real reason why they can't go on is a short-circuit in thinking and a weak ability. In this case , What is lacking is that a person must know how to shut himself up and think about his faults, learn to recharge, understand himself, and improve himself. This is the most precious thing.

It does not mean that if you drop everything and study immediately, you can achieve immediate results. The purpose of learning is to recognize yourself clearly - your strengths and weaknesses, take advantage of your strengths, avoid your weaknesses, and learn from your own strengths. Only by thinking based on your strengths and specialties can you achieve real breakthroughs.

In fact, the road is at your feet. You must know how to learn to change. Only by being flexible in your thinking and logic can you have a road ahead. Sooner or later, a fixed brain will hit a wall.

In short, the road is forced out. If you don't go into debt, maybe you won't have the chance to experience all this miserable life in this life. Maybe you won't have the chance to realize the existence of personal problems. , only fell down... If you don't push yourself, you won't understand yourself, and you won't know how great you are. Come on! Dear friend! It's not that you can't repay the loan, it's that you haven't found the real path you want to take... If you follow the right path, all problems can be easily solved.

As the saying goes: thinking determines the way out, and at the same time, it also changes destiny. What do you say?

I am just like you, I cannot pay off my debt at the moment.

Now I am working alone, and no one has paid back any debts, including some platforms that do not charge interest, penalty interest, or liquidated damages. Now I can only earn a little bit, and I will contact them after I have accumulated enough to be able to repay the principal. I feel that paying back a little bit every month is not enough to cover their interest penalties.

Calm down and face it calmly.

As the old saying goes: Kill someone to pay for your life, and pay your debts for money. This is a matter of course.

How is the debt owed? Is it due to failure in starting a business or not doing a proper job? No matter how much you owe, once something happens, you should think about how to deal with it. If you can't pay it back, you can pay less. As long as you are not idle and work hard to make money, you can pay back as much as you want.

The creditor will not do anything to you. He just wants you to pay back the money. After all, other people's money does not come from the strong wind, and the creditor will not feel comfortable. Put yourself in someone else's shoes, how would you feel if you lent money to others and they didn't pay back?

Being able to owe so much debt shows that you are not just an ordinary person, you have some brains and some ability. Maybe this is only temporary, and everyone has their troughs. However, when people are at troughs, their hearts cannot fall into darkness. They can learn lessons and sum up experience, and maybe they can make a comeback.

Even if you are still confused for the rest of your life, you must face life calmly. After all, you need to live while you are alive. Re-plan your life rationally. It is better to live than to die. Being happy is also a day, and crying is also a day. Why not live happily? What about a day?

There are many people in debt in today's society. Don't be discouraged, let alone lose hope in life. Come on, work hard!

This situation is not uncommon in real life. As long as you are not deliberately defaulting on the debt, and as long as the other party is not deliberately pressing for debt, it is not a big deal. You can take the most effective method to solve or alleviate it. Write a formal IOU to the other party, explain the situation, indicate when it will be repaid, and what can be the best guarantee, such as real estate, buildings on the ground, or a guarantor as guarantee, etc. If the other party still refuses to give up, then you can only let him go through the legal process. The final court decision is a reasonable and reasonable solution to the problem, and it cannot force you to death.

Hello, I am very happy to answer your question

Facing failure and debt calmly is the most important first step for anyone who hopes to get out of the debt quagmire:

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Now that you have failed and are in debt, there is nothing to hide. In these difficult times, survival is more important than anything else. Only by ensuring survival can you have a chance to turn around. If you lose, you will be defeated. It is clear that age is not a problem. The old man selling oranges and the boss with melatonin are all role models for everyone. The key to their ability to rise again is to see through their past selves. Lao Song always reminds everyone repeatedly that they cannot see through the past. The future will just repeat itself in different ways. If you are a successful mother in the future, your current failure is definitely because you have analyzed the failure thoroughly and seen through yourself. Think about it calmly, do you think one million is a huge debt? Because you are eager to repay. How much of your eagerness to repay is due to the concept of "face" that you can't let go of. Please let go of your "face" first. If you can lose face, you can definitely get it back. How much of the past failures are due to It started because of "face", but what was the reason for its failure? Don't rush on your way before you even get up. How can you run without even standing up? Please admit failure first, then accept failure, and finally analyze failure carefully!

2. Once you understand the first step above, you will have the next step: sort out your debts!

How to sort out debt, sorting out debt itself is the beginning of facing debt "rationally". Most people have reached this point because of: using loans to support loans, borrowing new debts to repay old debts. Yes, during this period, how much credit did you overdraft and how much did it cost? When you are sorting out your debt list, your heart is bleeding, are the scenes of taking money and spending money in the past coming to mind again? !

When you settle down on the platform with a monthly income of 4,000, you are qualified to cast your sights on the platform with a monthly income of 40,000. Life is like progressing in steps. Only one step can lead to upwards. When walking, a weak patient may fall down again if he takes one step or two. The Internet era has accelerated everything. You can't adapt to this speed, so you are where you are today. So you are here. Sometimes, you can only "slow down". "Slowing down" is to improve your ability and make you really fast in the future.

3. Once you are mentally strong and your debts are clear, you can take the third step and solve the problem of survival!

There are two keys to the issue of survival: one is the issue of personal freedom, and the other is the issue of monthly income. The issue of monthly income can be solved by finding a job, but the issue of personal freedom is the most important issue, because you owe such a huge debt. If you don't face it actively, once the creditor resorts to legal action, a legal judgment will be triggered, and you will lose your money. Without personal freedom, everything will basically come to a dead end. If the debtor's income other than ensuring the right to survive is all used to repay the debt, and the debt is adhered to, in accordance with Chapter 2 of the Chinese Constitution: Citizens' Rights, to avoid legal risks caused by debt, why is it necessary to entrust a third party? Because most debtors no longer have the ability to do this, they cannot afford lawyers financially, they are not mentally able to take care of the entanglement of creditors in collecting debts, and they have become emotionally isolated and helpless. China always has many national conditions. , the economic tide has not only brought extreme material prosperity, but also brought about ideological people who hate the poor and love the rich, and are stuck in the quagmire.

4. Once you are mentally strong, your debts are clear, and your survival problems are solved, you can take the fourth step: Solve the monthly income problem!

When it comes to monthly income, the first thing that comes to mind is part-time work. What about part-time work? Unexpected, why can't you think of it? Because you are considering the issue from your personal perspective, do you know how big the group of debtors in China is? There are hundreds of millions now, and it will grow in the future. This is a "group", and 90% of this group are young people. What if you stand on a platform that strives for such a young group?

How to stand? We live in an era of developed Internet. President Ma has put the most advanced tools in front of everyone, and we can use them. Isn’t the “big cause” of President Ma just accumulated by people? Ideas always determine the way out. You are cornered because your abilities are always limited. Your ability to survive is because your thoughts and behaviors have reached a certain base point. Then at the right time, you can do something. appropriate things.

Now that self-media is so popular, live broadcasts and short videos are so popular, there are all these opportunities on the Internet. Once someone succeeds, they can quickly copy it. This is all because of the energy of the group. When your opportunity is favored by most people, the greater the resources you can use, the stronger your ability to monetize. This is the fan economy.

There are many ways to solve the monthly income problem. If one person thinks about it, there is not even a model to learn from. If a group of people are thinking about it, the opportunities will become more. If you add the already With successful practice, the energy will be greater!

5. The hope of solving the above four problems begins to appear, and life begins to have a new direction. The rest is hard work and persistence!

For those who are stuck in the quagmire of debt, do not be discouraged, and do not forget the meaning of life just because you have no money; no matter what you do, you must be virtuous!

Don’t give up on yourself!

The money can be paid back slowly, but people cannot lose their fighting spirit!