I owe so much that I can't pay it back even if I negotiate 60 issues. What can I do in this situation?

I am in the same situation as you. Since the debt broke out two years ago, we have successfully negotiated with some banks and paid several loans. Later, it was completely overdue because of the epidemic. At present, the total debt has reached 600,000, and the income is only about 5,000, so even if it is negotiated for 60 periods, it is unable to repay.

I will tell you about it with my experience, hoping to help you. I think the following steps should be taken after the deadline.

1. Debt planning. It is very important to know the priorities of debts, which debts need to be paid first, which debts can be postponed and which debts are not paid for the time being. I think in order of importance, friends > credit cards > online loans. Some illegal online loans do not need to be returned directly. My idea now is to make enough money first, then negotiate with the bank, and then pay it back at one time.

2. Keep the loan voucher. In particular, online loans need to keep the most original loan vouchers to prevent the platform from arbitrarily changing the loan data in the background for a long time. Defending the certificate is to fight the worst battle. Electronic loan contracts, including online loans, must be copied and kept.

3. Take the initiative to tell your family about the debt. Whether they can help you or not, don't hide anything. We should also inform our friends in the address book that when borrowing money, the address book or the phone records of the past six months will be obtained by the lending platform, so the second thing to do after the deadline is to send a text message to the communication group, telling them that they may have been affected by the overdue for some reasons and apologize to them. Of course, if it is difficult to save face, I can also say that I borrowed some money because I was cheated. Please forgive me if I receive a reminder message or phone call about me. If the other party threatens to speak English, please record it and send it to me, and I will call the police as soon as possible.

4. Be prepared to deal with the collection for a long time. As long as you haven't paid back the money, it is inevitable that you will have to go through collection. Online loans are the same as credit cards, and third-party collection will explode the address book, but credit cards are not as unscrupulous as online loans. There are also various collection methods, including but not limited to telephone collection, lawyer's letter, door-to-door collection and prosecution. Be mentally prepared.

You'd better get a new bank card and phone card. Only trusted people or immediate family members. Of course, use the original calling card, so that the bank can contact you. Bank cards can be used for future fund transactions, and they can be withdrawn as much as possible to solve the necessary expenses of life. The biggest role is to save enough money to negotiate debts. One by one, not every family. Only by living first can you pay off your debts.

6. Answer the phone. Online loans can be answered selectively, credit cards are the best, and work is inconvenient. As long as you don't pay back the money, the collection phone won't break down and you can't let them affect your money. I basically see the same bank once a week at most. To make a long story short, I read it in a few minutes.

7. Try to make money. Looking for a job can be anything, don't aim too high, as long as you make money, it doesn't matter whether you are tired or not, and you can find a sideline or a part-time job in the rest of the time. I have done crowdsourcing and flash delivery, and I can do anything as long as I can make money.

8. The most important thing is mentality. At first, if it is overdue, you will be very anxious. No matter what happens, please remember my words. When you are at a low point, it's like going downhill. There is no end without going downhill, and it will definitely go up when it reaches the lowest valley. So with a good attitude, we can overcome all the difficulties.

Come on, debtor.

In real life, there are many similar situations. You owe too much, even if you negotiate 60 installments or even 100 installment, you may not be able to pay it back. This is normal, because you owe too much and don't have enough sources of income, so no matter how you agree, you can't actually repay on time. What should I do in this case?

First of all, you should have a positive attitude and correct methods. The so-called positive attitude means that no matter what happens, you should respond positively, so that creditors can feel your sincerity, confidence and courage to repay from the bottom of their hearts and strive for more understanding and tolerance from creditors. It's best to negotiate an installment plan. No matter how many stages, as long as you do your best to make it acceptable to creditors temporarily, you should carry it down. Why do you want to carry it down? Because this is an opportunity for you to exchange time for space, so that you will not be excessively urged by creditors for the time being. You will at least get a temporary respite. With respite, you can live. Shepherd would rather lose wool than sheep. Only by surviving can you have more opportunities to choose the way your business makes money. Just because you can't afford it temporarily doesn't mean you can't afford it forever. Can't afford it, can't afford it, this is the minimum honest attitude and moral code.

Secondly, take positive actions to make creditors feel that you have the spirit of taking responsibility and obligation, and your heart will be more practical. The so-called positive action is embodied in two aspects.

On the one hand, we should take active actions and find something to do, and don't think that we are in too much debt. Anyway, if we can't finish it all our lives, we will destroy ourselves and give up on ourselves. If you lose heart, you will never achieve anything, and creditors will lose patience and confidence in you and cannot understand and forgive you. What's more, even if you maintain basic survival, you must have a stable source of income. Please believe this logic. The more debts you owe, the stronger your explanation ability, which means that you were at least a thoughtful, courageous and courageous person before. Although you are heavily in debt now, you have not completely lost your ability, thinking and enterprising spirit. At this time, the big deal is that you no longer have the previous scenery because of debt. Deep down, it may be difficult for you to change your role, because it may be that others have asked you before, even if you have asked others, it is a very decent thing; It's different now. You have to beg others with dignity again, and others may not buy your account. Therefore, you can't let go of your face and figure. This is also normal. One day, life and pressure will force you to put down your face and figure. In fact, at this point, the face and figure are not important, as long as the backbone is still there. When you make money, your face will naturally come back. So, put down your face and figure, do what you can, and let others talk.

On the other hand, when you earn some money, you must make a reasonable plan. How to plan this money? It is necessary to deal with creditors in order of priority, but in any case, it is necessary to explain the situation and convince creditors that "long-term pain is better than short-term pain", and creditors should not be allowed to kill the goose that lays the golden egg, but to exchange small money for more channels and more room for making money. As long as you repay your creditors with actions, most creditors will be moved by your sincerity and actions, so they will be willing to give you more understanding and further grace, and even provide you with more help from information and resources.

Third, you should not only rely on your own efforts, but also use creditors as your eternal customer resources, so as to achieve the effect of mutual cooperation and overcome the difficulties together. In this way, your debt repayment pressure will be reduced and your repayment ability will be gradually enhanced. If you ask me, what is this theory? I'll tell you directly that I'm as heavily in debt as you are. If you pay off your debts with dead wages, you will never be able to pay them back for a lifetime. But I just changed "creditors twist me" to "I twist creditors". Many creditors were moved by my sincerity and practical actions, and turned the debt repayment from unilateral responsibility and obligation into a shared resource, realizing close cooperation to overcome the difficulties, and * * * shared the difficulties with the same interests and destiny.

For example, if a creditor is in the business of local products, I will use his local products to open up my own sales channels, and the cost is very small. I can kill two birds with one stone by using his resources to make money and pay off debts.

For example, I do insurance agency business, let creditors introduce customer resources, and I provide appropriate insurance products and services to expand my customer market and get more commissions.

It's called leverage. Only in this way can debtors easily repay their debts and creditors easily realize their claims. Otherwise, it must be a larger foe, and both sides will lose.

When the debt just broke out, it was the most difficult time for all debtors. Because it can be overdue, there must be economic problems. So don't rush ashore at this time, make a plan first, and you can use the following ideas.

Find a job with a stable income first, and then try to use your spare time to increase your income.

Second, many people are worried about overdue collection. Actually, there is no need to worry so much. The money we owe is only temporarily unable to be repaid in one lump sum, and it may not be repaid. I took the initiative to tell my family about the arrears. There are not many methods of collection. If you encounter malicious harassment, just record the report directly.

Third, if you want to negotiate the installment of credit card debt, you need to have a certain repayment ability. When you are unable to repay, don't think about giving yourself trouble. As long as I live, I will definitely go ashore one day.

The most important thing after debt is mentality. Don't think that a lot of debt means that the sky is falling. Many times, the real situation is not as difficult as you think. Tens of millions of debts can be paid off, provided you work hard enough. Come on, debtor

I'm on the same side as you, and the total debt is estimated to be more than the current salary, let alone 60 installments and 80 installments. I'm also looking for a way to land. I don't know why you are in debt. Maybe, like me, your business failed, or it may be for other reasons. I have been overdue for one or two years, and a bank sued me in court. Not surprisingly, I have also become a lot of people's old lai. I remember a colleague who felt good when he was in trouble (now he has left Shenzhen for Shanghai). One day, he called me on the Internet and asked me for help. Even though he said something he understood, the reality was good. He just said he didn't think I was an old fool or anything. At first, I wanted to explain something. On second thought, it's unnecessary. People who understand me really don't need to explain. People who don't understand, it's useless to explain more. Such people can't be true friends. Let him talk. Unfortunately, you are so helpless when you are in debt. Without money, nothing can be solved. Talking too much is also a waste. Whether it is internal consultation, collection or even court consultation, there will be a final result. In this way, there is no other way, don't think too much, and don't be afraid. At this time, you are afraid that it is useless. The more I am afraid that I won't make money, the situation will only get worse. Adjust your state and try to make money.

What method? The enemy will find a way to stop the water. First of all, first of all, live, first ensure your own survival, and then talk about how to repay. Forget the credit report. Survival is a problem. What do you care? At present, survival comes first. Adjust your mentality, recognize the reality, and don't worry about gossip, tragedies and bystanders. Things didn't happen to them. They can't understand that feeling. Lao Guo said. Come on, brother, I believe you are not Lao Lai, and you don't want to be Lao Lai, because Lao Lai won't ask such questions. Come on, get ashore!

Don't think about anything, adjust your mentality, work hard to make money, and negotiate the principal repayment when you have money.

Try to make money and pay back the money. Other things, it is useless to think too much, and what kind of consequences can you accept? The worst thing you can do is to accept being an old lai, and then you may be detained for a few days. If you can accept all this, then you have nothing to worry about. Another point is that you really have no money to pay back, or you have no assets, so you don't have to worry about anything. It's no use answering the phone. After 60 negotiations, you still can't repay the meeting. Then why bother yourself and don't borrow money from relatives and friends? Even if they know, they don't want to lend you money. You never know when they will suddenly have money to use. Also, don't touch your parents' pension money, because you don't know which one will come tomorrow or outside. These all need to be prepared. What you should consider now is to make money hard, and then save some money to live and support your parents. It is an obligation stipulated by law, but parents have no obligation to pay back the money for you. So rely on yourself, don't borrow new debts to pay off old debts, which is no different from raising loans with loans, the difference is that there is interest. That's all. Anyway, I can accept the worst result now, so I won't pay back a penny until I have saved enough money. Let the storm come. Anyway, my phone call is only answered symbolically once a month, which is actually meaningless. Wasting time and collecting phone calls. At this time, it is better to think about how to make money, how to live and how to honor your parents.

This situation is really bad. If the 60 th issue is not up, there is only one way: delay! It's not like I won't pay back a penny. You insist on having a repayment record every month. The quantity depends on your ability. Online loans can stop repayment, and online loans are different from credit cards. Many online lending companies do not have local branches, so the probability of online lending companies coming to the door for collection and prosecution is very low. If the credit card is intentionally lost, non-repayment is likely to be characterized as malicious overdraft and the bank will report the case. At the same time, after the credit card is overdue, the bank must come to collect it. The so-called door-to-door collection is to verify your situation, whether you have lost contact, whether you are really unable to repay, or whether you have a house and a car at home and just don't pay back the money, so the bank must arrange collection personnel. Seeing is believing! So for you, there is no good way at present, you can't change money immediately, and you can't win 500 yuan in the lottery immediately. Nothing for nothing. Accept the reality and recognize your present situation. You said yourself that you don't have to pay it back, but you have to live first. Only alive has a chance to turn over. Therefore, your best solution at present is to delay, don't change your mobile phone, don't lose contact, and think about hiding in other places. Until when? If you are dragged to the bank to sue you, not all banks will sue you together, so whoever sues first will pay you back in installments. If you don't sue, you will continue to drag, and online loans will continue to drag. Until you have the money to pay your debts! In your present situation, I can't give you better advice without money. Because even the best way can't solve the problem of no money! No matter how much you owe, you have to have a number. Calculate the total figure by yourself, and then pay it back in a good period. If you think five years is not clear, then you should plan a ten-year debt repayment plan. Although work and income are affected to some extent during the epidemic, as a job, you must work hard and actively. If you don't pay a little more and work harder, you really can't afford it because the bank has paid you back for five years, and you can't even afford it, which proves that your income is really low. The most important thing for you now is to pay in installments. Even if you can't afford it in five years, you should be able to afford it in ten years, and then return it to your family and relatives, but this is what you will do after you can survive normally. If a person has problems with his survival, it is really sad to have a low income. Why not go? Try to earn more money. Only in this way can we see our future, otherwise we will be burdened with debt problems all our lives, and it is really helpless to live.

So people should go in, so as not to cause harm to society and others!