What should I do if I owe the loan and don't pay it back?

Last year, I met an old colleague I hadn't seen for years and retired for several years. My only son is married. After the chat, my old colleague was full of worries. My son gave birth to grandchildren, which is a day of family happiness. My son borrowed an online loan for some reason and the house was mortgaged. Worst of all, he has to pay the mortgage for others. My daughter-in-law divorced in a rage, and his grandchildren gave my colleague two ounces. My son doesn't know where to wander. Look at my colleague's back. I really feel sorry for him. What about my future life?

There is a 23-year-old young man in the neighboring village who is the father of three children. Because there were too many online loans, my father-in-law paid him hundreds of thousands, and my parents did their best. But for some reason, the young man lost the courage to live. The first time I took medicine to save myself, the second time I killed myself by opening a gas tank, leaving all the pain to my parents, wife and children.

Online lending is a disaster, don't trip.

Speaking of not paying the loan, I think of one of my grandfathers. He is only a few years younger than my father, but he is a big generation. Our house is the front yard and backyard. I remember that their family is quite rich. In 1998, when I was in the first grade, their family opened their own cotton mill, and they were also very powerful people in our village. I went to his house occasionally when I was a child. Every time I go, it is very kind to me, and I don't bother to drive me away because I am a child.

For a while, I went to his house to play, and the door was locked. Someone asked him where he lived (I didn't know his name at first, but then I went back to ask my father). I haven't seen that family since. I once asked my mother out of curiosity. She said, don't ask so many questions, son. Go out to play and come back for dinner later. I didn't think so much at that time, so I never asked.

I went home some time ago and saw the roof of the front yard leaking, as if it were going to collapse. My mother suddenly remembered this and asked me, probably what I told me when I grew up: my grandfather made some money by running a factory, and I don't know who fooled the usurer, but the money he just gave out was not so sweet. Slowly, I got bolder, ranging from 1 .20,000 to 450,000 (at that time, we called everyone110,000), and finally my account was confiscated. The factory has no capital turnover, the workers can't even get their wages, and the banks can't get them, so they can only run away.

It's a heavy heart to hear this ending. Looking at the dilapidated house in the front yard, I think we will never meet again in this life. At that time, I was a child, and even if I met him, I passed by like a stranger.

As an experienced person who uses credit cards and online loans. I have a deep understanding, because the capital chain is broken, it will never lead to overdue credit cards. Have a crisis on your own economy and affect your normal life. Interest and late fees are overwhelming. Therefore, young people still try to consume reasonably. Try to invest as little as possible, normalize your finances and avoid into the pit. Those who haven't borrowed money online. The situation is even worse, the loan can't be taken out, and the credit card of @ can't be used, which will have an earlier and worse impact on life. So please cherish it. Reasonable credit consumption avoids into the pit.

As far as I know, people who owe loans and don't pay them back have two consequences.

Regardless of the lack of online goods, there are two results. Let's first take a look at the views of the state and society on online lending after online goods in recent years.

Most of the online loans are young people whose consumption is out of control, and some private entrepreneurs whose development funds for small and medium-sized enterprises have been cut off, but the banks can't get the goods. Online goods is a kind of private financial activity, and it is the main way for private individuals and enterprises to raise funds. If online goods can develop healthily, the state will use private capital to solve the problem of development funds for individuals and enterprises. This is a positive aspect, as long as it does not violate the national financial policy.

In recent years, the development of online goods is in full swing, but it has gone astray. Without healthy development, there are tens of thousands of online payment platforms, with certificates and without certificates, and the annual interest exceeds the state regulations. The way to ask for principal and interest is not standardized, and the means are cruel and harsh. However, a variety of conventional commodities emerge one after another, which brings harm and instability to people's normal life and disrupts the country's financial development. The state began to vigorously rectify the private financial market.

After the strong governance of the country, the existing online payment platforms are on the right track, but now people are more cautious about online goods, not blindly following the trend as before.

At present, there are two main results in society.

First, the result of this payment transaction conforms to the national policy. If the debtor fails to repay, the dealer has the right to take the right way to recover the money. If the debtor fails to repay for a long time, it will bear legal obligations, so this part of the debtor should try his best to pay off the amount of the purchase price.

In the second case, some debtors may not actually intend to repay, but they have succeeded. Why do you say that? Because some payment platforms violate national policies and are seriously involved in routine goods, the state severely cracked down, the platform closed down, and the interest rate was several times higher than that of the state. If the money could not be recovered normally, it would go away. Many of these people owe a small amount, and it is very likely that they will not pay back, so these people are happy. Others owe a lot of money. Although the state has banned these platforms, although the release of goods is unreasonable, some people secretly demand it. I don't think the debtor is willing to give it to them.

The online goods market is much calmer than before, and people have become more rational.

With the gradual development of internet finance, many young people do not consider bank loans when they have short-term capital needs, but choose online loans. The online loan platform is a pure credit online loan with low borrowing requirements. The average borrower needs to have a job, have no bad credit record, and can lend money within the specified age range, and the interest will be higher. Some people will repay the principal and interest according to the requirements of the platform after lending, while others will continue to increase the number of online loans and eventually be unable to repay, resulting in overdue repayment.

Because many young people apply for online loans to meet their unreasonable consumption, because of insufficient repayment ability, they can only borrow another platform to repay the previous platform. The loan amount of each platform is limited, but the interest, service fee and account fee will continue to increase, which will eventually lead to more and more loans and more overdue online loans.

1, but users who are willing to repay can first find out the overdue records in the official WeChat account with amazing data, record the online loan platform and overdue amount they have handled, and then call the customer service phone of the platform one by one to indicate the repayment intention, so that the customer service can apply for the reduction of default interest, work hard and pay back all the arrears, and remember not to repay by loan again, thus entering a vicious circle.

2. There are also some users who have borrowed dozens of loans and have no intention to repay. They even want to meet their own needs by obtaining funds. They call online lending "paying wages on behalf of others". Such users are often blacklisted for online loans and have experienced various violent collections. Generally, users who are overdue for three months are collected by the platform staff. After three months, the platform will outsource the collection to a third-party professional collection company until the loan is paid off.

Xiao Yang, who is 2 1 year-old this year, once owed a small loan platform and a credit card * * * 1.8 million yuan for gambling. He used to have a good job with a good salary, but this son of a bitch is happy to find excitement. He contacted an Internet blog in June and lost 30,000 pounds of savings in just one month.

That's not all. After losing to an empty-handed, he thought he was "short of capital". If he wants to make a comeback, he must make a big bet and try his luck. So he frantically applied for a credit card, applied for online small loans everywhere, and unconsciously owed 1.8 million. Borrowing the new and returning the old can last for a period of time.

As soon as the cash loan supervision came out in 5438+February, this kid couldn't even hold on to the loan. Faced with the increasing pressure of collection, the address book was completely exploded, and he was going to hide in the Philippines with his friends for a while. He said that everything was arranged at home, and his parents only thought that he was working abroad, and all the people who called for debts were liars.

65438+February 2 1, this is a sunny day, but someone has never been able to wake up his son Xiao Zhang. . Xiao Zhang's mother said that her son's accident must be related to online gambling.

At the end of 10, Xiao Zhang called his mother to ask for money, saying that he lost the bet and couldn't get through. After asking in detail, she learned that her son gambled online with his mobile phone and found an online loan after losing money. Now he is in a hurry. 165438+ 10 In October, Xiao Zhang's parents took out their family savings and paid back the money for their son. Not only that, the old couple repeatedly advised their son not to gamble any more. The family suspected that Xiao Zhang must have committed suicide because he couldn't resist gambling and lost money. He felt ashamed to explain to his family.

Some brothers have long been afraid of scalding water and are determined to make a clean break with the loan platform. Finally, we should pay attention to strategy. Some brothers scold the assembly, but they dare to scold and feel comfortable after scolding. Some brothers can't find anyone when they close their doors during the day, waiting for the small loan platform to close down.

Some brothers simply collect them. For old buddies, it is best to drag these platforms to death one day at a time. In addition to banks and Ermayina, microfinance itself is in jeopardy. What are they doing with their money?

Suggestion: 1, quit bad habits and don't touch pornography and gambling drugs.

2. Life is OK, try not to borrow money, keep up with the joneses and be pragmatic. If you need it urgently, you must find a formal platform to evaluate your repayment ability.

3. If you are caught in a loan and can't repay it, ask for help at home at the first time. This is a permanent shelter. Don't be ashamed to meet people, or you might as well die. Think about it, how much the family pays, and how can they bear it when you leave? As long as people are there, they are not afraid of poverty. As long as they think well, they can always get ahead. Don't rob Peter to pay Paul, it will only increase.

The prodigal son will never change money, and there will be a future when he dies. Death is not the solution to the problem, only he can repay the debts he owes.

I think the address book must have been bombed, and all my relatives and friends at home have been messed up. Debt collectors send text messages every day, saying that if they don't pay back after the deadline, they will come to the door, and the interest is too high for us to bear for the second generation. After a while, I occasionally received dunning messages and phone calls, but those debt collection dogs didn't come to my house, so I don't have to worry. I should still eat and drink. After all, what is owed is online loans, not bank money. Online loans are usurious and are not protected by law.

At present, there are indeed many cases where online loans are still not available. Many people who owe money have always adopted an evasive attitude. But this is actually not a good solution.

Peer-to-peer lending still faces many potential risks (here mainly refers to the reasonable interest rate lending behavior protected by law):

First, the most direct thing to face is the constant harassment of telephone calls every day. These phones are so ubiquitous that they can even notify everyone in your address book. Publicity will bring you great reputation damage and far-reaching influence.

Second, according to the relevant laws and regulations, although peer-to-peer lending is a private lending behavior and will not involve criminal law, if the platform sues you, you will still face the problem of civil disputes. Once the court decides that you pay back the money, you will enforce it (it should be noted here that in the past, the law protected the only house of the executed person, and now the only house may also be forced to auction) until you pay back the money. In other words, as long as it is a private loan protected by law, it has to be repaid, or it has to be repaid.

Third, credit information will be affected. At present, more and more institutions have been included in the central bank's credit information system, including many online lending institutions that have begun to submit user credit information. Once you don't repay the loan, your personal credit will be seriously affected after you report it, and even your future loan behavior will be seriously affected.

Fourth, if you don't pay back the money, after being blacklisted, you are likely to be judged as Lao Lai. Once this happens, your behavior such as taking high-speed rail and high consumption will be affected. Some areas have even appeared, and Lao Lai's children can't even get into the civil service.

Suggestions are as follows: If you really don't pay back the arrears in a short time, you'd better get in touch with relevant institutions or platforms in time, explain the situation, negotiate and finally discuss a feasible repayment method (or exempt some interest or installment, etc.). And there are indeed similar experiences to learn from).

Finally, let's talk about online lending. The interest rate of online lending is high, and the starting point is basically above 20%.

Therefore, I advise you not to touch online loans. When you touch it, the money rolls away, and finally it rolls more and more. Maybe, the family is ruined, this is not an alarmist.

First of all, I want to tell you the shortcomings of not solving the net. This is just one of them. There are also five fingers of the collection staff hanging on the address book that threatens your family. A series of questions advised you not to read it, and then, alas, what might people say if they don't return it now? If they can lift the collection, they may run away and some people may have an argument. A few days ago, I saw a news.

It is only natural to pay back debts. Since you borrowed it, you must find a way to return it. Don't be an annoying old lai. In my opinion, many people said they would not return it, and many people also returned it. Actually, this is not right. First of all, the loan platform has a sound risk control system. A platform with a maximum loan of about 200,000 yuan cannot be dragged down at all.

Secondly, your personal information is mastered by the platform, and other people's platforms can contact your relatives and friends, call your relatives and friends to collect debts, and your address book will be exploded, discrediting your personal image. Everyone knows that you borrowed money and didn't pay it back. Think about it, what others think.

The last one is your personal credit report. Many lending platforms cooperate with banks. If you borrow money on the platform, your credit will be blacked out. If you want to buy a car by stages in the future, it will be difficult to buy a house with a loan.

The best thing is not to borrow money from black platforms and small platforms, and not to be trapped in routine loans for a moment's comfort, especially for some student parties with dependent economies. Borrowing and spending in advance will ruin your future and ruin your future, so everyone must spend rationally and stay away from conventional loans.

If it is a 7 14 antiaircraft gun, I think my friend has had a good life for a few days. It doesn't matter whether he borrows money or not. My life is better than mine. Generally, 7 14 online loans are illegal. And they won't sue you in court. He is breaking the law himself. Do you think they will? It's all violent collection, and it blew up your phone book. Make harassing calls or something. Nothing else, you should live your own life, live your own life,