What should I do if I can't breathe under the pressure of online loans?

First of all, find out exactly how much money you borrowed and what the principal is. No matter how high the interest on any loan is, the principal must be repaid. Don't fantasize about borrowing money and not paying it back

Second, calculate your income and running water, and calculate how much money you can get to pay off your debts every month.

Third, tell your family to prepare for the bombing of the address book. There is nothing to be afraid of. A locked house. It says. Be sure to tell your family that it doesn't matter if the family plays together. And the whole family are hedgehogs, and there is nothing anyone can do.

Well, the following steps are very important to do the above work well! As I said, you may not even have a bad credit report.

First, the steps of self-explosion, telephone recording, and active contact with all creditors (except general mortgage) are creditors. Including bank credit cards, Alipay online loans, telling themselves that their financial situation has collapsed and they are unable to repay, asking for an interview with the repayment plan, and telling each creditor about the creditor's rights of other creditors, sending official letters when necessary, and keeping official letters. In addition, under normal circumstances, if the other party does not send someone, it is said that the repayment form is behind. This step is to bind all creditors together.

Explain that both credit investigation and other collection methods are aimed at malicious breach of contract. What is malicious breach of contract? Even if you don't pay back the money, and you really have a financial collapse, it's not a malicious breach of contract if you take the initiative to inform.

Step two, make your repayment plan. For example, if you can pay back 2000 yuan a month, you owe four creditors, and distribute it according to the debt ratio to ensure the repayment ratio of your income, that is, if you earn more in the future, you will pay back more. At the same time, it is required not to calculate interest. Otherwise it will never be clear. If the other party doesn't agree, then we will continue the endless negotiations. During the negotiation, we will pay 180 yuan every month. We can even let creditors have a meeting to discuss how to distribute, in chronological order or in order of amount. Or the repayment order. Don't worry, they can't discuss any results and will do as you say in the end.

Note: Creditors can check and balance each other. If a company sues, other creditors will sue, and the result of the lawsuit is that everyone will agree on the repayment plan together! There is an understanding here, that is, what does the court do? The court settled the question whether you should pay back the money. No court decision is needed. I admit it. I didn't breach the contract, but my repayment ability is limited. The result of the prosecution is to leave you a minimum living allowance almost every month. Even during the negotiation, each family will still have 1200 yuan a month. I can't even sue you. Did the court ask him not to return it? You didn't say no, did you? Admit it! Don't break the contract! The court asked again, didn't he give you money? No, you can't say that you won't pay back the money at all if you return a piece! If it is too small, you can go back to negotiate.

The problem of a good house, some children's shoes have houses, and they may still be repaying loans. If they ask you to sell the house and repay the loan, you will have to go through prosecution and court judgment and insist on treating all creditors equally. In this way, the situation becomes complicated. If a single creditor sues you, it needs the first instance and the second instance, and the court will auction it. This process will take one year at the earliest, and it will not be solved if it is delayed for one and a half years. And I will rent you a house for six years and repay the loan in advance. This is a very collapsed process, but it is even more difficult for multiple creditors to reach an agreement.

Second, lock the house, which needs to be forward-looking When you realize that you may fall into online lending, take it as the first step. You go to your dad, borrow 10 thousand, and pay it back at least five years later You must have a complete and formal contract, and then mortgage the house and register the mortgage. Your house will be locked by mortgage, and your father will not betray you.

The third step is to pay back the money on a monthly basis. As long as you keep it, you will be fine. Contact me if you have any questions, and you will slowly go ashore.

Handling violent collection: violent collection is illegal, keeping evidence and calling the police. Don't say the rest, or you will be suspected of teaching people how to do it. Tell you a story and experience it yourself.

When the collector came to the door, the attitude of owing money was surprisingly good, and it was outrageous. He kowtowed with a runny nose and tears, begging his creditors to give him more time, and then he called to his father with his legs in his arms. According to common sense, ordinary people can't stand it. The collector will leave.

When I left, the man who owed money called the police and said he was threatened. Everyone was so scared that they hugged each other's legs and called Dad. ...

Finally, I advise you not to be contaminated with online loans. If you owe it, you owe the bank. Isn't that what banks do? Banks don't mess around Banks are not afraid of losing money. What they are afraid of is that the accounts will go bad and the bank assessment can't stand it. If you take the initiative to negotiate, this account will not be completely bad. Following the steps I said is equivalent to putting all the questions on the table. Business is business! And the bigger the debt, the less you have to worry about it. Be a sincere pig, with a sincere attitude, and the more sincere you are, the farther away from the water. Moreover, I have seen meetings of creditors, and some of them have a strange atmosphere. A creditor was short of money and said I didn't want money. I want to call the police for fraud and let the debtor go to jail for several years! Other creditors panicked. There are still people who owe money, saying that I turned myself in for fraud. After going in for a few years, everyone can rest assured that I won't default, and I will definitely make money to pay off my debts when I come out ... The creditor said that you didn't commit a crime, and you didn't cheat! ……

Others are more interesting. I pay back the money every month, right? I give cash every month for my creditors to pick up. You think, Internet lending, how can there be branches all over the country? Why not let the bank transfer money? Answer: It has been frozen. If you or your family bring cash to the bank, you will be detained immediately. ....................................................................................................................................................

After sending this answer, countless children called me to ask. Actually, I thought it was clear, but I was surprised that these children were trapped in basic negotiations and didn't know how to negotiate. God, negotiation, negotiation, negotiation, do you need me to teach you this? Come out if you can't handle it? Without culture and skills, how can we get along in this era?

Ok, let me give you an example to tell you a negotiation routine. What I am teaching here is the way to deal with it on the table: that is, you really have no money. If you don't pay back the money, it's Lao Lai. But those who have income and want to pay back the money, as for those who want to be old-timers, I won't say anything that goes against values.

If you owe a loan of 6,543,800 yuan, it may be the principal plus a small amount of interest. If you continue to accumulate interest, you may never be able to repay it.

Second, you may still have 3,000 yuan left in your hand, and then your job can earn 4,000 yuan a month, with a maximum monthly income of 2,500 yuan after deducting living expenses. I never overestimate my children's income. If Zhihu earns more than 10,000 yuan a month, you can take a detour.

Third, you need to prepare personal credit report, monthly income certificate, etc. These things prove that you don't pay back the money, but your ability is limited. If the phone is on, you must answer it. If necessary, talk to relatives and friends first. If relatives and friends receive a collection call, let them tell them that you are trying to make money to pay off your debts and have something to talk to you about.

Ok, you will get a reminder call, which is normal. First, you need to discuss the repayment plan with their responsible person. Second, ask you to add WeChat. Third, you are required to show the authorization information of the other party to prove that the other party is authorized by your online loan. If you don't pay back the money, the online loan will be over. Go and see Gui Li. At the same time, call the online loan company to verify the authenticity of the person you handed in and keep the recording. In this way, the WeChat communication between you is legal and effective.

The above is the basic work. If these children's shoes can't be made well, you might as well find a piece of tofu and kill it. You don't have to look at it anymore.

All right, here we go. I often look at other children's shoes and know my three axes: erecting archways, labeling and flattering.

The first step is to set up a memorial archway, truthfully explain your economic situation, and resolutely express your belief in paying off debts, which is logical; Keep your promise and keep your word! Debt must be paid! This sentence should generally come from the mouth of the creditor, but from the mouth of your debtor, it has another flavor.

Step 2: Tell the other party that your repayment plan is to pay back 2,000 yuan per month (the original plan is 2,500 yuan, leaving a bargaining space of 500 yuan), and ask the other party to stop calculating interest (it is generally not easy to stop completely, you can agree on deposit interest, and the maximum interest cannot exceed mortgage interest), and ask the other party to confirm the amount of creditor's rights (that is, to discuss how much is owed in the end), and then repay it in about two and a half years.

The important step is coming: this step is called smashing the floor, and the simple point is to smash money!

You said to show your sincerity, if the other party agreed, I would pay 2000 yuan immediately. If I keep my promise in the future, I will repay this 2000 yuan. If I don't keep my word, I still owe you 65438+ ten thousand. You can sue me. Then throw out 200 yuan's 10 WeChat red envelope, which reads "Take it if you agree" and show your sincerity with money. This method is always tried and tested.

Under normal circumstances, the other party may not have the authority to make decisions and needs to report to the other party for instructions.

At this time, you are taking out your second axe, flattering and saying that it is not easy for you to collect money. You are under pressure, you have tasks, and you may be scolded. If you can't get your money back, you have no income. Then you will throw a red envelope from 20 yuan and write: Thanks.

According to my experience, the other party will generally agree to your proposal, accept your 2000 yuan red envelope, and bargain at most to make you pay more. You said that you should make more money and strive for early repayment, because after you submit your salary report (including the running water of all the bank cards in your name), they will know that you really have no money. If you want to go to court, take out the above repayment plan. The court essentially answers whether you should pay back the money. As for how and how long to pay it back, it still depends on your own negotiation. If the other party takes your money and doesn't agree with your plan, then you bite the other party and break your word. Then you will postpone another round of negotiations for a month. Anyway, your plan is to pay back 2000 yuan every month.

The third and final step is to put on your hat. Since the other party has accepted your money, it is agreed. As long as you pay back the money on time, they won't bother you and your family. You said that you believed that the other party would keep his promise as much as you did.

Well, work hard to earn money, go ashore as soon as possible, learn lessons and start over as soon as possible!

What? Do you want to pay back the money? Cough ... cough, I'm sorry to teach this. Do you want to give me a hint?

Come on, take officials as teachers and learn from the imperial court. What is debt-to-equity swap? ...............

The core skill of finance is how to pay back the money reasonably and legally. First-class experts make you willing to give money! You have to line up for money!

Remember, money is an external thing! There is nothing outside! What do you mean by something outside the body? What do you think of things outside your body?

The world is cruel, and everything is straw dogs!

Don't take it seriously, just kidding, it's only natural to pay back debts! It's just that there is a big gap between these two proverbs of daydreaming.

Real experience. I hope you can face it bravely and try to find a regular bank to borrow a sum of money first and pay back all the online loans. The annualized interest of online loans is as high as 18%, which is basically equal principal and interest. It's a lot of pressure for everyone. I borrowed about 250 thousand to do business and pay my employees two years' salary. I repay the loan on time every month, but the pressure is really great (I managed to take it out because I have a lot of water every month and I have never been overdue once. Personally, I value credit. A few days ago, I gritted my teeth and borrowed 300 thousand from the bank. The annual interest rate is only about 3.85 (the government subsidizes 30% interest), and all online loans are instantly light. The whole person has relaxed a lot and his energy is different. Trust me, stop lending online. It's really stressful. Equal principal and interest every month can crush people. In the past two years, I paid more than 20,000 yuan a month ..... Now it is easier for banks to borrow money from individuals. I approved 300 thousand the day I went to borrow money. So come on, you can definitely get rid of the online loan curse. I believe you should look for more banks to see if you are willing to lend you money.

Actually, there is no need to be so pessimistic. Efforts to make money will always pay off. Don't be afraid as long as you don't give up your hardships. There are many ways to slowly. I used to be like you, knowing how to spend money can make money, and the road is just around the corner. I just don't want to go. As long as you have a stable job and work hard, other methods can always be used. You can also find a pipeline industry or sideline, and you can pay it back in a year or two.

Online loans and related collection companies have no peace except the people. I hope the government will pay attention to it and crack down on it. How many families and younger generations have been poisoned by them in China?

Go ashore as soon as possible. I owed more than 300,000 online loans before, and I was worried that I couldn't sleep every night. Later, I really couldn't bear the pressure, so I had to tell my family the truth. My uncles and cousins all donated money to help me, and my partner also helped me pay off the debt of 65,438+10,000, and finally paid it off. I felt the air was fresh that day, and I slept well that night. Now I save 5000 yuan every month and return it to my relatives at home. In the first year of this year, 70 thousand has been paid back. I am very happy. It's really important to live on the right track!

What should I do if I can't breathe under the pressure of online loans? Everyone who encounters this problem will be confused, but we still have to face it and solve it. My personal suggestions are as follows.

First of all, we should adjust our mentality to face it. Take myself for example, because I dare not face the collection call, for fear that my friends will know. Because of face, I had to take a loan to support the loan, which led to deeper and deeper difficulties. In the end, it was not enough, so I made up my mind not to, and began to learn all kinds of laws and regulations of online lending.

In fact, I know that the interest rate is high, but I really don't know where the legal basis is. People are forced to think about things to some extent. Although I owe money, I don't want to avoid it, and I don't want to pay it back maliciously. However, most online loans are illegal. Take my own loan as an example. Some of them have an annual interest rate of more than 50%. I appreciate your willingness to lend me money when I am in trouble, but usury is illegal. Only by playing word games with the people, cheating away their hard-earned money, adjusting their mentality and learning the legal knowledge of online lending can we embark on the truth of self-redemption.

Secondly, calm down, work hard and make money. I'm not a rogue or a liar. I will definitely pay back the money I borrowed, but within the scope of reasonable compliance, I will persist in fighting to the end and strive to achieve financial freedom as soon as possible.

It's easy to say, but it's really difficult to do. In short, study hard, adjust your mentality and make money seriously. One day, let's refuel, work hard and work hard.

Now many young people have loans. I can't help it I also have a loan. I failed to start my own business and owed a lot of money. I dare not go out to meet people! But no matter how difficult the road is, we must go! Thinking about setting up a stall and starting over! Face the new life positively!

I'm glad to answer your question. What if you owe a lot of online loans and are under great pressure?

Give you some advice, hoping to help you get ashore as soon as possible and stay away from online loans!

First, prepare a notebook and a pen for yourself. You should record in detail the amount of online loans, principal and interest you owe on various platforms, and you must record in detail. Many friends were finally cornered by online loans, and they don't know how much they owe every day!

For example, if you earn 3000 yuan a month, you need to have a job at this time, and the importance of stable income. Many people say so. How to go to work with a monthly salary of 3000? But at this time, you should consider starting a business or even losing a stable income. What if I fail or have no income for a long time?

It is the biggest headache for many online loan friends. I didn't tell my family when I borrowed money. Maybe I didn't want to worry my family at that time, but now I must inform my family in time, give them a psychological preparation, and sit down with them and have a good talk! Explain the situation!

Even if you don't inform your family at this time, your family will know as long as you don't attend. What was their mood at that time! It's even more terrible to be unprepared!

Inform your family at this time, your family can face it with you, and * * * will accompany you through the difficulties! Because at this time, only family members will help you without hesitation!

Stop robbing Peter to pay Paul!

Don't put an end to it. Many friends are overwhelmed by online loans because of this routine. Use this platform to return to the next platform, and so on, and finally enter an infinite loop.

Pay as much as you want. Don't ignore these platforms. Although you really can't get on, most platforms don't want to turn against you. They will. Even if you can't get on, they can't help it, but as long as you have a good attitude and can contact them, they don't want to screw things up! If you encounter violent collection, you must keep the phone recordings and chat records of malicious collection, which is evidence to protect you!

You should prepare your monthly income certificate and all the certificates that can prove your actual situation. Of course, I'm not asking you to prepare these to make excuses for not paying back the money! But negotiation!

You see, my ability is limited, I earn so much, but I need to pay so much every month. I will definitely pay back the money, but you have to give me time to negotiate with the platform. Each platform handles this situation a lot, and they will also give you appropriate methods! The premise of all this is that you must follow the previous five steps to contact you!

It is only natural to pay back debts. If you use other people's money, you have to pay it back. This is a fact. Some friends feel smart, uninstall the platform app and change their mobile phone numbers. They think it's okay! Actually, it's really stealing clocks!

If they are beheading, lending without a license or breaking the law, then they also need to find relevant lawyers and friends to learn how to protect themselves while choosing what way to protect themselves!

Many friends want to get rich overnight, so to be honest, you deserve to owe money, and this mentality will make you get better!

In fact, there are many sideline businesses now, especially this year, but there are also many scams that don't make money! At this time, I should not only choose carefully, but also keep a constant state of mind. I have to work hard and spend time exchanging money. I need money badly!

Don't imagine that I can get rich overnight at this time!

If you earn more than 2000 yuan a month and owe so much money, try to make money as a sideline! But it must suit you,

A fan told me that day: Can XXX project be done? Found that many people are doing it!

I said: there are many projects now, all kinds of them, but not everything is suitable for you, and everything can make you money!

It is important to find a sideline that suits you. Be sure to remember that what I said suits you! This is why many people don't do sideline business to make money, because he is not good at this sideline business at all! How can you make money!

Finally, I want to send you a word. No matter what the reason, whether it is the failure of starting a business, gambling, or embarking on this road for the family, it is not an excuse for us to escape. We should be brave enough to face and bear, and it is irresponsible to blindly escape. When you go ashore, you will find that everything is bright, and this will be the best time for you to grow up! No problem! You can do it!

Children nowadays can't stand poverty and suffering. They have no ability to make money, do not cherish money, spend money like water, and ask their parents for money all day. After a long time, their parents didn't give it good, so they came up with a bad idea. Online lending companies seize these characteristics and lend you money. Yin-Yang contract, loan 1 10,000, only 7,000, and interest at 1 10,000. The interest rate is surprisingly high, one dollar a day10.5 cents. Let many people get deeper and deeper. A few days ago, the media was exposed. A child borrowed 5000 yuan, and the interest for two years was several hundred thousand. Finally committed suicide, so the online loan must be touched. .

Twenty-seven years old, don't want to make money, how to find parents? Besides, parents' money is hard-won, how can they be angry and ask for their money? Parents are old and have no financial resources. Who should they ask for money? There are also many online loans. Such a child might as well die. ..

Is it easy for your parents to work hard to raise you? . Send you to college. Why don't children think for them? If you just want to have sex, what is your conscience? Living like this is really worse than dying. Living in this world can not bring happiness to parents, but bring great pain. .

Wake up, kid. Be a down-to-earth person, work hard and create wealth with wisdom and sweat! Don't ask your parents for money, and don't borrow money online. Look at my parents, their backs are bent and their hair is white. Enjoy some human happiness in your lifetime!

It's great to have you here. I wish you all a happy Friday.

Not afraid of owing money, afraid of being exposed by the address book! I'm afraid of the expression on my face when my family and friends know that I owe so much money. I don't want to care or blame!