How did you all get through it when you were in debt and unable to pay back?

Hello, I'm listening to the wind. I'm glad I can answer this question. For this problem, I have been heavily in debt since I failed to start a business, and I am still a little disabled at present. Let me give you my opinion.

Simply talk about my situation, entrepreneurial experience, etc., so I won't express it. I'll just tell you how much debt I have and the problems I have. Before I was in debt, I had only three credit cards, which added up to 50 thousand. The concept of 1 10,000' s debt has always been beyond my imagination, and it is far away. When I said debt and debt before, that is, one year, the huge gap changed within one year. There are many channels for debt, small loans, friends and people, especially small loans and people, which are consumed unconsciously. Don't always think that you can alleviate the immediate problems, change direction and turn over. That's fantasy!

During this period, the collection calls, the phone calls to me and the phone calls to my interpersonal relationships were all very nervous and urgent at first. Later, I had no choice but to accept them, and it didn't matter. It really doesn't matter. I won't pay back the money until I ask my contact to collect it again. I just told them that it was useless for me to accept it, because only in this way would they feel valuable. I will fight poison with poison! During my parents' period, I successively undertook 300,000 yuan. Later, I took some money from the bank as a mortgage and added 300 thousand. I won't describe the process during this period. I think people who have experienced it will naturally understand. Let me tell you how I got through it.

First of all, calm down, get rid of all negative energy and harassment, and put yourself into work. The so-called work is not inspirational to do great things. We don't talk about this. I mean to do basic work, maintain income, and at the same time, let yourself do more profitable things. Just punish yourself and live comfortably every day. Don't you think you can't refuse? For example, I go to work as I should, work as a driver at night, and arrive at 12: 00 at 8: 00, which brings me 3000 yuan a month. Although my heart will still be unhappy, whether I am unhappy or happy, I still laughed one day. Crying too much. Don't let yourself be idle

Secondly, if you have some money, such as in the bank, you can still pay 100 every month. This is a question of attitude and willingness to repay. Let's not talk about the knowledge of banks here. Others, such as online loans, small loans, and even the private sector, you will throw caution to the wind. If you don't pay it back for the time being, you can't afford it. This truth is very clear to me later. The actual situation is that no money means no money. No money, so delay first, give yourself time, and don't explain and reason with them. Their only purpose is to pay back the money. You only need to tell them once, and the rest can be completely ignored. At this time, you will find that if the harsh environment does not exist, it will not affect your mood too much. Although we are running away, there is nothing we can do. Everything needs to be strategically adjusted according to the current situation. What happened to running away? If we fought in ancient times and knew there was not enough food and grass, wouldn't we die if we didn't escape? Don't listen to what they say, it just represents their position and their thoughts.

Thirdly, it may take three years, five years, no matter how many years, you must remember not to rely on loans to support loans. If you are chased by an organization or an individual to pay back the money, you have no money to lend him something else. It doesn't make any sense. You can only say that you are afraid of him, you are afraid of yourself, and you are afraid inside. I told you, you have to pay back the money at all costs. If you have no money, how can you borrow money to pay it back? Anyway, I owe it all! Remember, you must make yourself work hard. Even if there is no direction to work hard for the time being, let yourself do well during the day and do something at night to keep a positive attitude of making money. Otherwise, if you are negative and don't work hard every day, why should God care for you and make you rich or better?

The process is painful. To accept this process, everything will pass sooner or later, and it will get better slowly. People who have experienced these things are gradually maturing, becoming quiet and seeing the society more thoroughly.

I am listening to the wind. I hope my answer can give you more communication and thinking. I'll talk to you later.

Recently, we often see cases that are overwhelmed by huge debts, such as bank loans, loans from relatives and friends, credit card debts, and various debts of hundreds of thousands, millions and tens of millions. Because of the inability to repay, I was forced to walk like a scarecrow! I don't know where to go, the future is confused!

In fact, if we can calm down and deal with it reasonably, we can avoid the tragedy. The son was on the verge of death and finally saved himself. Successful counterattack avoids unnecessary criminal responsibility and civil economic litigation risks. Not much gossip, share my son's coping methods, hoping to give some inspiration to the students who are caught in the abyss of debt and temporarily unable to make a comeback.

1, calm down, don't panic, hold on.

In the face of huge debts, few people can keep calm. Creditors force debts, banks demand debts, relatives and friends come to collect debts, court summons, and repayment pressure is huge, which can drive people crazy, but you can't panic, because panic can only get out of control and can't solve the problem. Now that we are thunderous, we must face the reality.

Find a quiet place, think behind closed doors and clear your mind.

Put the dunning phone on hold for three days. You can find a quiet place and cut off all contact with the outside world except your family. This will not only reassure the family, but also temporarily avoid the distress of creditors, and temporarily have a quiet environment.

In a quiet environment, your mind can think clearly, find ways to deal with it, give yourself positive psychological hints and tell yourself: I can do it, I can handle everything, and everything will pass!

Here's a reminder: if creditors call for debt collection, they must explain the situation to creditors in advance, especially when banks call for debt collection. Don't worry, and don't refuse to accept it. In short, he should explain clearly to avoid further deterioration of the relationship with the bank.

3. Sort out the debts and record them in a table in detail;

The debts are arranged in order of priority, which are in urgent need of repayment, which can be postponed, how much money is owed by which creditor, and how many cards there are if there are credit cards. The amount, available amount, billing date, final repayment date and minimum repayment amount of each card are listed one by one, so that you can sort out the debts, avoid criminal responsibility and civil economic litigation risks, and be aware of them; If you don't understand, you can find someone to teach you how to plan!

4. Communicate with creditors and banks to find solutions.

Take the initiative to go to the creditor and explain your situation. If you really encounter difficulties, let the creditor give yourself more time to show your sincerity in repayment. I believe it will be understood. Bank loans, credit card arrears, you can communicate with the bank, try to repay by installments, and decompose the huge pressure.

5. Look for opportunities to fight back.

If you can't find a good project for the time being, you must first find a job, support yourself first, live, often examine your wealth cases and explore opportunities for reversal. In the meantime, you should pay attention to the timing. It is unrealistic to pay off high debts by working, and it may be unclear for a lifetime. When you meet the right opportunity, you must seize it, but you must not be a gambler. Once you find it, you must go all out.

Hold on! Hold on! If you live, there is hope, and there is opportunity! Life is like a play. As long as you are alive, anything is possible. There are many opportunities to make a comeback. Maybe you met a noble person. Maybe an entrepreneurial opportunity can make you successfully counterattack. When you can't hold on, think about your wife and children and your elderly parents. Your future is bright and you will stick to it.

I've always wanted to write an article for him, but I haven't started writing because I'm afraid my handwriting is clumsy and I can't write his vivid and full. His story is much better than novels and TV plays.

A few days ago, he delivered a takeaway. During the epidemic, he was not allowed to enter the community, but he was sent to the fifth floor with the consent of the security guard at the request of the other party. He said that because the other person was a woman, because he had to take the stairs, and because he was given five boxes of mineral water, the other person could not carry it. He was so tired that he became very excited. On the sixth day, he said that he donated 1000 yuan for his classmates to buy masks for the disaster area. He said that his ability was limited and he could only do so. 1000 yuan is nothing to others, but it is too important to him. He lost a lot of money in business. The monthly loan should be repaid 15000 yuan, and the repayment dates are 7, 17 and 27 respectively. Every month seems to break through a barrier. When there is no epidemic, he takes pictures in the morning, moves people during the day and puts up small advertisements at night. It's very cold at night in winter, and he sticks it layer by layer. He said he only stuck four corners, otherwise it would be difficult to clean them later. Now the epidemic situation, everyone does not go out, he can only deliver takeout, but the list is not much, the road is slippery, and he fell many times. This 1000 yuan he had to run for many days, but it was life-saving money for him, but he donated it.

In my mind, he is more remarkable than those successful people. He is strong, hardworking, optimistic, tenacious, kind, sincere, gentle, hardworking, generous and resourceful.

Except me, no one knows how many setbacks he has encountered, and no one knows how much hardship he has paid. His parents have a good economy, but he never wants a penny, and he works hard and solves it silently. But he is still alive and kicking. Still cherish love and be grateful for life. This winter, he also sold small things in the flea market. He made a box lunch and sent it to hospitals and Internet cafes. Then he takes pictures, moves, puts up advertisements and cleans others. Later, when the epidemic broke out, he carved it during the day and delivered it at night. The paintings he carved are all designed by himself, with exquisite layout and vivid carving. His photography is very professional and aesthetic, and he can shoot and edit a promotional film by himself. His lunch boxes are all fresh vegetables bought in the morning market, carefully cooked, clean and delicious, and don't cut corners at all. It is not shameful for him to say these things, because he makes money by strength and is clean.

Speaking of which, you may think that he doesn't study well and has no job. He graduated from a key university. He is a buyer of large units. There have been several changes in his previous department, but he is still here. Most of those people went to prison because they took kickbacks. He never takes any kickbacks. Therefore, he became a legend in the purchasing department unharmed.

His experience in these two years is enough for the average person to live for several lifetimes. However, although he is not light, he never sighs, never complains, never gets angry, and deals with it anxiously and silently. He is a typical mud-turned-upside-down. I gave him a running account, which is his unlucky memo for the past two years. It's really not that I came here first. I can make it clear in a few words. Have time to tell him the wonderful misfortune.

The example he gave is a very inspirational story, which can't be true. Tell me more about his bad luck.

The 65438+ million cameras that were cheated and sold by others were swept away. It's a pity that I can't get back any of the money I lent. Help people pay medical bills, get a mobile phone loan, and then be beaten back and harassed. Huge foreign exchange losses. Do a car wash shop, because the car wash shop was rented to a hotel before, and the hotel secretly received water, stopped water and paid. Make a promotional film, get the principal, the organizer doesn't want the film, pay. It's a long story Later, he once stood on the roof and tried to end such a stressful life. But I still thought of my responsibility and resolutely took it up rain or shine.

As long as the heart is there, the dream is there, come on!

First, I sum up my own failure experience, find out the reasons for the failure, and try not to make similar mistakes in the future. Then plan a short-term goal for yourself, or find a job with stable income, or a low-cost entrepreneurial goal, so as to get through the underestimation period. I fell into the abyss of gambling because of the departure of my lover and patient. I lost everything in three years and owed hundreds of thousands of debts at the same time. In the past three years, I have released myself in gambling. In this process, I thought about giving up myself and leaving this world, but I finally woke up in despair again and again when I thought of my lovely child! I don't think it's terrible that people have nothing. The terrible thing is that you have lost the ability to care for yourself and love yourself. So in May of 19, I finally put down my so-called face and thought that I had no future and started working in a car wash shop. Because of years of marketing experience and marketing model, I earned my first bucket of gold, 50,000 RMB, in just a few months, and then took over a car wash shop as a mortgage in June of 10. At first, there were no workers. Most of the time, I do it myself, and my legs ache to death after work every night, but I still insist, because I believe that as long as I work hard, my life will be better in the future. As long as I persist, a better life will come one day. Now the monthly income is very stable, and I plan to have enough funds to build another branch. I believe that as long as I work hard and don't give up, I will be able to pay off my debts and really stabilize after five years! There is no limit to the sea of suffering, and turning back is the shore! No one in this life will always be smooth sailing! When encountering setbacks, we should learn to be strong and let go of the past. As long as you go step by step, the other side of happiness will come! Come on! Friend!

When I was scolded by the deadbeat, when I was the most helpless in my life, I kept whispering a word in my heart: Hold on, it will always clear up.

When I left school and just started working, I went into the office furniture with my colleagues and packed the car (at that time, I could write a note on credit), because my colleagues couldn't write IOUs and I wouldn't write a few sheets of paper. I wrote an IOU with "ink" instead of someone, and whoever wrote the note wrote his name, so I owed someone 1886 yuan, which is really a very lucky number.

After typing the note, I forgot directly that I was heartless when I went to work and got off work every day ... until one day, the proprietress of the furniture store came to the unit to collect the bill.

The first time I came home, I came to ask for money with a note in my hand. It suddenly occurred to me that there was such a thing, and I quickly led the proprietress to find that colleague. I was told that office furniture was rented for business, and the other party was also on credit. The business owner lost money. He sneaked away in the middle of the night the other day and moved the furniture by the way. Nowhere to ask for money.

The proprietress remembered that my colleague bought the furniture, so I helped to type it and asked my colleague for it. I thought this was my business. But two days later, the proprietress came to see me again, saying that my colleague refused to give me a note, and she wanted whoever she wanted. Although I am very wronged, I feel that I have to give money to others after all, but I don't have that much money. Then the proprietress came to the door of our unit every day to scold, and the leader didn't care [picking his nose] at that time. Colleagues also hid like nothing happened. At that time, they didn't dare to tell their families. I felt that I had just blown the cow with my family.

At that time, I was young and had never experienced anything. During that time, I felt that life could not go on. One day, it was raining heavily outside, and I was bored. I repeatedly said: Hang in there, it will clear up. ...

At that time, a person's monthly salary was only about 80 yuan (older 100), and it was really not easy to pay back this close to 2,000 yuan.

Later, I borrowed some money from my friends and colleagues, gave it to the boss's wife first, and told her that you can rest assured that I will pay you back slowly. The proprietress believed me when she saw my sincerity and honesty. After returning home, I still couldn't help telling my parents. My mother said that I learned from my mistakes and returned half of your money to others. You borrowed it from your colleagues and friends and returned it yourself.

This incident taught me a very painful lesson. In my later life, I will remember one thing: how to never be careless financially, neither guarantee others nor write IOUs. Therefore, many colleagues have the problem of housing security in the future, and I have not been affected by this lesson.

Now that I think about it, 1886 is not much money, but it is the biggest debt I owe, and I owe a lot more money for buying a house and doing business in the future, but it is not as difficult as this 1886.

There is a saying to a friend in debt: hold on, it will always clear up!

Friend 1, started a successful business about ten years ago and bought a luxury car and a comfortable house. As a result, he suddenly couldn't stop expanding. When his business declined, he didn't know how to restrain all kinds of consumption, borrowed usury for face, and finally blocked the company every day. He was mortgaged by various creditors, sold his car, closed his company and borrowed money from relatives and friends around him. He tried to kill himself at one time, but he finally calmed down. Gave the creditor a small sum of money in exchange for giving him some time to relax and make money. He left his wife and daughter in his hometown and went to Guangzhou and Beijing for two years to make a comeback, pay off his debts and start a new business.

Friend 2 also made money in business, but in a shorter period of time, he started online gambling when he got the first bucket of gold he earned, and soon owed millions. Even the two houses and cars he just bought are insolvent. The most abominable thing is that this man refused to sell the house and pay back the money in order to save face in front of others. He even tried his best to cheat his friends of their money by forging various documents, until his friends found out that he was finally on the run and was chased by countless creditors. He is still in a state of losing contact, and no one knows whether he is alive or dead. Poor him, still an only child. His parents have not been able to contact him so far, and he is afraid to show up at his relatives and friends in his hometown because he has borrowed money from every household.

When I am heavily in debt, I think I should first take stock of my assets, how to repay them, make a plan and do what I can to repay them, so that friends, relatives and social circles around me can still trust you, and the money will be paid off one day. As long as you have integrity, you will surely make a comeback!

How can you survive without money? Tangled! Still tangled! It's good to be alive. Life is worse than death. The chances of facing the epidemic are slim, there is no way to borrow money, relatives and friends are far away, and there is no money to do. How can you repay a huge debt without doing anything? I can't do it, and I hope you will work hard!

1 integrity. No matter how big the hole is, don't expect others to help you wipe your ass, face the status quo with a correct attitude, actively deal with debts, and cooperate with legal procedures helplessly.

2 coping with fear. If you owe a huge debt, you must have the will to repay it. This is the requirement of honesty. People are born from their parents, adhering to the essence of heaven, earth, sun and moon, and no one is deprived of freedom and the right to live without infringing on the interests of others. The law also stipulates that huge debts without fraud are only civil acts and will not put you in jail. Only by eliminating fear can we respond positively.

3. Overcome yourself. The pressure and fear from the heart are far greater than those from the outside. Thinking and existence have been entangled for hundreds of years, and there is no need to continue discussion. We should treat huge debts with peace. Because face, emotion and nonexistent self-pressure are all self-imposed shackles.

4 Facing the pressure. The pressure from the heart can certainly make people suffocate, and dealing with all kinds of debt collection day and night is also a thing that has to be faced. People are dead, or as heavy as Mount Tai or as light as a feather, and they can withstand threats, inducements and cynicism, which is the basis for their comeback.

⑤ Down-to-earth. There may be various objective reasons for being heavily in debt, but we should not turn a blind eye to our subjective problems. It's wrong to aim too high. It is fundamental to be a down-to-earth talent. Dealing with huge debts should have the spirit of being foolish and moving mountains.

The top six survive. Being strong is not a struggle, but on the premise of determining a clear direction, on the basis of not avoiding debts and not paying off debts. Personal life is only a few decades, and failure is the mother of success. Past failures are the wealth of future success. We should have the perseverance to overcome the current difficulties.

7. Resolutely crack down on illegal activities. It is natural to pay back debts, but it cannot involve infringement of personality and personal integrity. If you encounter illegal and criminal acts in the process of asking for money from you, you must take up legal weapons and safeguard your rights and interests.

How do you spend it when you are heavily in debt and unable to repay it?

At present, because the social and economic development is not smooth, it is a nightmare for entrepreneurs in society. Therefore, in the past two years, many friends engaged in business activities have been seriously affected by the economic development trend and have been cruelly involved in the economic abyss. Even the business environment is sluggish, making entrepreneurs miserable and wanting nothing.

The current economic situation, entrepreneurial failure, has obviously become a normalized event.

Entrepreneurs are in a difficult situation, so at this time, there will be a huge debt ratio. The entrepreneurial losers in Gao Lei are heavily in debt, busy with court proceedings and threatened by creditors' debt collection; Therefore, for debtors, digging holes has become the current lifestyle; There is no time and energy to make money and pay off debts! If you still have the ability to repay at this time, it is not normal!

Next, indebted entrepreneurs have to face the stigma of treachery. The embattled living environment must be miserable, miserable and difficult.

What should we do to get out of the "hell"-like life predicament as a debt-ridden entrepreneurial loser under that kind of dross living condition?

I had such a life experience two years ago. Then I will sum up some contents according to your own ideas and share them with more colleagues who have failed in starting a business and are heavily in debt. For reference. The classic forum on entrepreneurship believes that it is difficult to "get out" in the face of disputes over creditor's rights and debts (it feels like "a dead mouse can't touch the cold"); Be sure to let positive actions prove everything; No matter how good it is, it is far from being pragmatic. So, how to do it?

Personally, I think that since people can survive in this society, they can tolerate the failure of starting a business, bring economic losses and temporarily lose their ability to pay debts, but they can never tolerate the great humiliation of personal dignity in this life.

So! It is best not to let yourself easily become a faithless person and be blacklisted; Once programmed, it will affect people's life, even generations.

Then, how to solve this problem in the face of insolvency!

This is very important. I am trapped in the bottom of my life and have no ability to repay; If we don't have a good attitude and can't correct the ideological misunderstanding in time, it must be very dangerous.

Some people choose to go to extremes because they can't figure it out and can't think about it for a while; Some people are bored, confused and unhappy all day because they can't let go; Some people ...; However, there is also a kind of person who can always learn to understand the essence (truth) of being a man whenever he encounters difficulties, so as to learn to do whatever he wants, always be open and frank, face life calmly and coordinate debts.

Some people may say that such people are generous and tolerant and can humiliate others; In fact, people who behave like this are extremely powerful inside.

Strong personal ability and mentality, it is easy to conquer the world (there is no doubt about this); An optimistic attitude towards life is more likely to change fate; At the same time, it can bring unexpected surprises and hopes to others. Therefore, in the face of debts that cannot be repaid, we can always sort out debts with a good attitude, bravely negotiate with creditors, communicate and coordinate face to face, and find ways to resolve each other's economic crisis.

Therefore, entrepreneurs in trouble must learn with an open mind, have a good attitude and be a positive, optimistic and open-minded person; Don't let the creditor's rights and debts crush you easily, and lose yourself, which will never be recovered.

Creditor's rights and debts, what scares creditors most, is the incompetence of a debtor. Because of timidity and weakness, he can't stand up. The more hopeless, the more afraid others are of you, and of course the more nervous they are.

"Since nine times out of ten the world can't satisfy our desire", you can fail, but you must never lose the will to fight.

What should I do if my business fails? What should I do if I am heavily in debt? You owe money, not life. As long as you bravely assume the debt responsibility, you will not break the law! Just because you have no repayment ability for the time being doesn't mean that you have no repayment ability in your life!

The old man said, "People have three knots, and trees have three breaks." . It is only a matter of time before anyone will walk in the "Maicheng" one day in his life.

Personal debt is nothing to be afraid of. As long as there is a "dream" in your heart, it will come true sooner or later.

Entrepreneurial losers have an unknown dream in their hearts; However, we should not lose confidence because of the failure of starting a business; Difficulties are always temporary, and one day will pass. Many entrepreneurial losers, to a certain extent, did not lose on the road to entrepreneurship, but lost in the absence of an unshakable entrepreneurial belief. You know, entrepreneurship is a long jogging track. If you don't have strong "physical strength" to dominate, and you can't persist stubbornly, then you will definitely lose and be in a mess.

Strong entrepreneurial confidence will always be a constant source of motivation, dominating you and going forward bravely. Failure is not terrible. What is terrible is that the entrepreneurial behavior that cannot be adhered to is doomed to failure.

Stubborn confidence can also bring confidence to creditors. The greater the confidence of the debtor, the happier the creditor will be. No one will expect your failure, depression, hesitation and listlessness.

You are heavily in debt, so don't give up easily. You should have a high spirit and take practical actions with a good mental state.

Faced with the inability to repay debts, you should actively invest in the work of making money. I have no money to pay my debts, but I have to find a way to survive first. If a debtor doesn't even have the basic viability, then it's not a debt dispute, but a human problem. No matter how important it is to pay debts, it is not as important as survival! Therefore, as long as there is viability, there will be continuous repayment ability.

No matter how big the debt is, we will pay it off one day as long as we make unremitting efforts and repay it slowly.

Of course, if you want to achieve personal reversal quickly, you can only rely on yourself, make continuous efforts every day, re-create new business conditions, seize the opportunity, start from a small scale, develop slowly, and realize your personal vision. This is the best shortcut to repayment. However, strong personal ability and business thinking logic are always needed.

In the highly competitive market economy, learning to survive is the direction that every entrepreneurial loser seeks (I won't go into details here, if necessary, you can have a private chat, thank you! )。

Nowadays, many people are negative assets. In addition, most people have no income and have to pay the bill every day during the epidemic. It can be said that they are afraid of the phone ringing, and one phone call after another makes you nervous and helpless. There are many kinds of debts: online gambling, high consumption, being cheated, lending to friends, and confiscation.

When you are heavily in debt and unable to repay, the first step you have to do is to sort out your debts and make a detailed list, such as how many credit cards you pay each month; How much bank loans, how much each month; How much online loans, how much per month; How many relatives and friends there are and so on. Make a table.

Step 2: Plan out the key points according to your debts, draw a coordinate system, with the X axis as important and the Y axis as urgent, put each debt in your coordinate system, and make a repayment plan according to your current bill and the situation at that time, and how much you can repay each month.

The third step is to liquidate the current funds, the balance in your current card, your monthly income and the balance of other unimportant things that can be realized. In addition, if there are other assets that can be raised, such as wealth management, provident fund and stocks, make a summary and put them into your repayment plan.

The fourth step is to start paying off debts. According to your coordinate system, the first one is urgent and important, the second one is unimportant, the second one is not urgent, and the last one is not urgent. Pay off debts one by one (be careful not to use loans to support loans). Even if there are some overdue loans, it is better than filling more and more. After all, stop loss in time will not get deeper and deeper.

The fifth step is to negotiate repayment. According to your capital and your debt coordinates, make every debt customer service call, tell your real situation, strongly express your willingness to repay, and emphasize that you are in financial difficulties now, but you really haven't. It's best to stop paying an agreed repayment, which can reduce the pressure.

Step 6: Help in different places. If you really can't get the money, you can find relatives and friends to make a temporary turnover, or confess to your family and let them help you through this difficulty first. Of course, you will be accused and reviled here, but after all, you are ashamed of your family. As long as you admit your mistake first, there will be more help at home. No parents don't care about their children. Try to make money, and then compensate your family. Don't let your family down again.

The seventh step is that the dead mouse is not afraid of the cold, that is, when you are helpless and have no help, then the dead mouse is not afraid of the cold and don't do stupid things. You should know that living is king, making money is just a kind of entertainment, and living can make money.

The eighth step, change yourself, change your current living habits, change your current work attitude, change your current consumption concept, and begin to enrich yourself. Earn more money every day, earn more and pay back more, and the pressure will be less.

In fact, I am also a person with heavy debts. I have to pay the bill every day, so I can't sleep at night. Maybe in the eyes of others, your debt is your high consumption. What you said is a lot of sympathy and approval. I don't think it matters. I just want to know how I got into debt. How can I pay my debts? What should I do? That's enough. Don't care what others say, let alone what others think. You just need to work hard and be positive. After all, others don't know how you feel but their own lives! I hope it helps you.