Let's share how your various loans came out of the pit.

Speaking of which, I am more experienced.

65438+In May 2008, the store was completely bankrupt and closed. All the debts can't be repaid in time, and what people owe me won't be returned. At that time, traffic credit card was 24,000, Minsheng credit card was 25,000, China Merchants credit card was 9,000, Huaxia credit card was 5,000, and China Bank spent 1.5 million. In addition, friends still owe hundreds of thousands, totaling more than 200 thousand. The bank urged you all day like a death warrant and contacted my family. I explained my overdue situation to them in a friendly way, but they said that I sympathize with you, but it is only natural that the bank should pay its debts.

After more than a month of continuous collection, I no longer humbly beg them to give me a little time buffer. I answered the phone when it came, but I had no money to pay it back. I also pay one or two hundred yuan a month, and I will pay more if I have some money halfway until they hand over the case to a third-party collection company in Hefei. The person who collects the company is crazy, threatening to go to the door to collect money, seal up assets, and go to jail for credit card fraud. I don't care about them. I told them about the relevant laws and didn't threaten me. I didn't return my credit card for the first time. After more than a year of normal repayment, the store went bankrupt and failed to pay back. After many negotiations, your bank refused, and I paid back the money every month. If you think this is a credit card fraud, you can sue. I'll wait for the summons at home. Later, the Bank of Communications came to the door. Two people, in suits and ties, are polite and have brought the so-called notice, which means that if I don't pay back the money right away, I will go to jail. I don't care about them. I told them about the legal knowledge and common sense of lending, the procedures for handling debt disputes, and the differences between criminal and civil cases. They left in frustration.

In the end, Traffic Credit Card will be exempted from all overdue fees, penalty interest and liquidated damages, including the interest in previous installments. As long as I return the principal, Minsheng Credit Card will be exempted from all fees, and the principal will be repaid to me in installments, with a monthly payment of 1,000 yuan, and the repayment will be over.

Others are still being worked out, so we should negotiate and deal with them slowly. At present, it is important to make more money and strive to pay off debts as soon as possible. Life is ups and downs, you can't be discouraged when you fall, pat the ashes and rub the pain, stand up and continue to work hard.

Of all the people who owe online loans, the most innocent and wronged should be me! Others have at least enjoyed it. As for me, the money was only spent in my card and only given to others. Others enjoy it, but I am heavily in debt.

My online loan started from June 2065438+2008. At that time, I had a stable job and a stable salary, and I would buy it with a credit card at buy buy, but the salary was enough and my life was still moist. However, one day, my best friend asked me to meet him. We have known each other for almost ten years and have always had a good relationship. We have a high degree of trust in each other and gave each other our mobile ID cards and bank cards.

After the meeting, she said that she had been in financial difficulties for a long time, and asked me how much Sesame's credit was and whether I could help her borrow some money to turn around. I said that she was very happy when I got more than 700 points in the exam, and asked me to help her borrow money and pay her back every month. I refused at first, and the meeting ended happily. After two months, we met again, and she told me about the online loan. I didn't agree at that time, but asked another friend who lived with her privately. After considering all aspects, I promised to help her with a loan of 50 thousand. 50 thousand is acceptable to me if it is not what she thought at that time.

The next day, she invited a sister with a special loan to help me. I got more than 10 million that day without my knowledge. I think since she is so short of money, I can borrow more money to help her tide over the difficulties. Later, I brought more than 10 online loans back and forth, totaling 280,000. I was like crazy at that time. I wanted to continue, but I terminated under the strong opposition of my boyfriend. Finally, I helped her bring 280,000 yuan, all of which were transferred.

A few months ago, she did repay the loan on time, and then she slowly needed me to urge her, and then she was overdue for about a week from time to time.

It's less than February, 20 19. It's half a month overdue. She told me that she was cheated and all the money she invested was cheated. She is going to go to court, and when she gets the money, she will give me back the remaining 200,000. But at the same time, I may have to help her bear all this. By that time, I had resigned and went home to get married. I thought that in that case, I would return it for her first.

After that, she lost contact. In March, I received a phone call urging her to pay her debts. Except for me, she has always owed more than one million yuan outside. Online loans, banks and friends are looking for her all over the world, and she is gone.

In May, she contacted me and told me that she was at a friend's place. Her friend is willing to help her pay back my money, and the repayment date is mid-June. In the meantime, she borrowed money from me again, but I didn't. Then I lost contact, and I didn't see her when the repayment date arrived, let alone pay back the money.

I used my savings to help her pay back hundreds of thousands of online loans, and now there are hundreds of thousands left. There's nothing I can do. During that time, every day was a collection call, and every day was a repayment day, which made me angry several times, but she completely lost contact. In early July, her family called me and promised to help her pay back the money. Then she paid me back 10,000 yuan in mid-August.

In September, I gave birth to my daughter early. I have no money. My mother-in-law paid for it. In mid-September, all the bills were overdue. Every day, I made various collection calls and confessed to my family. My family helped me pay back 40,000 yuan. There is still 1.2 million yuan left. There's nothing I can do.

I was able to pay back the credit before, but now I have spent it long ago and didn't care. I contacted her home a few days ago and gave me the answer that they weren't there when we borrowed money, and they didn't care. They told me to sue if I wanted to, and call the police if I wanted to, eh ~

At present, lawyers have been consulted to prepare prosecution materials. I hope I can escape from my misery as soon as possible! Give it back to my daughter, the sunny and happy mother.

In fact, if you want to go ashore, the most important thing is to earn money and pay off the loan. It's just that you have to bear all kinds of pressure in the process of earning it back. Family, psychology, Cui Shou, work. The most important thing is that Cui Shou is under great pressure. If Cui Shouyi of Net D fails to negotiate, he can avoid it a little, but Cui Shouyi of Xinyongka can't avoid it. Try to negotiate

Take off the pit? It's impossible. It's been two years, and I haven't left the pit yet. I still pay it back every month. At the thought of this day, I am so big that I have to rob Peter to pay Paul. I'm really fed up with this kind of life. I've been thinking about how to pay it back for 20 days out of 30 days in a month, and I really don't know when it will end.

I started to get in touch with online loans on 20 16, and Xiaomi Finance is one of my loans. At that time, it was only 2000 yuan at first, and it rose to over 2W in less than half a year. I thought it was cool to have so much money, so I took it out and bought a laptop, which was not a formal start (it was still 20 17). Then I went to Guangdong and went to my friends. He asked me to lend him some money from Xiaomi Finance because he had no money to do business. A month passed, and I paid it back on time, without affecting my normal life. If the period is overdue by one week, it will not affect my credit and reputation.

20 17 came, and the nightmare began slowly. I work in a company. Suddenly one day, someone who specializes in online lending came to the company to lend money to the boss's younger brother. After the matter was done, we had a few words. My eyes lit up when I said that my sesame score was 700. I said the sesame score was so high that the loan was good. I don't think so. Seriously, they said they asked me if I wanted to borrow money. Later, the boss's brother said to lend it to me, and then he would give you 20 cents interest every month. Then the lender also said something nice to let me borrow it. I wanted to find 2 cents interest, so I asked them to start paying back more than 5W, and then he borrowed more than 1W from my online merchant loan, and I directly transferred it to the boss's brother, the boss's brother. A few months after the loan, I paid it back on time, and then the problem came. On the day of repayment, I sent a message saying that the funds could not be turned over and could not be paid. My nightmare began. I have no choice but to find a way to fill the hole myself. I can still get the money back in the first two months, but then I can't. I started looking for new online loans to pay back, and the days of robbing Peter to pay Paul began.

Day after day, year after year, I started to make online loans and get credit cards. I do my best. At the end of 20 18 last year, I had no money for the new year. At the beginning of this year, I was overdue, so I couldn't go on. I am a graphic designer, and my salary is not enough at all. The only good thing is that there is no problem with my credit information, but it is very messy, and the big data on the Internet has completely collapsed. I really want to end this life as soon as possible and return to a normal life. Every day, I am struggling with how to repay the loan, how to brush this credit card to make up a credit card, as if living in a copied life, completely disrupting my life rhythm! Finally, I advise you not to touch online loans in the future. People who have been exposed to online loans should find ways to get out of the pit as soon as possible and don't get caught up in it. If I don't touch the online loan, it will be enough for me to pay the down payment for a house in our county. And cherish! ! ! I hope that people who have online loans can know the benefits after seeing my answer! ! ! !

I started my business on 17, and I want to be bigger when I am a little better. Later, I met a liar and got five credit cards, the total amount of which was less than 15. Alipay borrowed 20,000 yuan, and its friends were 65,438+10,000 yuan. Later, I didn't want to know through my family, but wanted to carry it alone. The money for borrowing the car was returned to the friend first, but the credit card was not returned. It never happened to me when I was young, and the bank didn't answer the phone. Later, when I came home, I learned that the bank negotiated at the first time, so I advise you to contact the bank in time when you know that you are incapable to avoid all kinds of troubles in the future.

20 18, 12, all platforms stopped paying money except 7 14. In order to protect the address book, I borrowed 7 14, at most 18 7 14.

20 19 The whole Spring Festival was spent on the repayment phone. Every day is the repayment date. I came home in my thirties, thinking about the bill of the first grade, borrowed my mother's 5k, and added 7 14 cycle until the tenth grade. After that, the three 7 14 companies refused to let go, and the money was still in it, so I couldn't get it out. I was completely cheated. I am also completely awake and realize that I can't continue the vicious circle. At that time, I was under great pressure. I couldn't eat or sleep, and I couldn't sleep all night. I lost weight. Gaunt. Want to die every day. There is no idea of living at all. ) I began to confess that my mother didn't scold me as I thought. He gave me all the money at home, and my father lent me more than 3w. (65438+July 2008, my father had an aneurysm operation. It cost about 6.5438+0.5 million. So there is not much savings at home. )

My brother lent me a small loan of 1 0,000 and transferred it to me through WeChat. My brother has to support his family and raise children, so he doesn't have much savings. )

Friends here also gave more than 40 thousand. Go to work by yourself during the day. Ktv sells membership cards part-time at night.

With the help of my family and friends, I can finally go ashore to catch my breath. You can stop being afraid of the phone ringing. I'm not afraid to read text messages anymore. Finally, I can stop insomnia. Until now, I'm still trying to do part-time jobs. The supermarket is promoting sales and distributing leaflets. Time outside the main work. Everyone is working. I haven't bought new clothes for a year because of wd. I haven't bought cosmetics. I just want to pay back the money I owe.

Credit cards can be repaid by software. I did it for myself. Other loans have priority in credit reporting. Don't listen to others, online loans can't be credited and don't have to be returned. Many people will go to the city. On the one hand, they will try to repay. On the other hand, they can negotiate with banks or online loans to reduce the repayment amount next month. Never repay the loan with a loan, so you will never finish it. If you really can't afford it, tell your family.

In fact, there is no shortcut out of the pit. Simply put, it is to make more money and spend less money under reasonable and legal circumstances, and then pay off your debts slowly through continuous efforts.

I'd better introduce it in detail. I hope all my friends who see my answer can motivate themselves through my answer and get out of the pit as soon as possible.

First of all, sort out your debts, make every debt clear, make it clear. To be clear, when will this debt be repaid? How many problems remain unsolved? What is the principal and interest of each installment? Can I return it in advance? Wait, wait, wait.

Second, collect your own funds and sort out the money in each savings card and the available credit cards. And your own salary should be sorted out.

Third, use all your own resources, try every means to accumulate funds, and strive to keep your own funds in the chain. Only when the funds are linked up will the penalty interest cost not increase.

Fourth, tell your family and get their help. It must be much easier for two people or a family to pay off debts than for you to earn money alone.

It is estimated that it will take another year for my pit to be repaid. The bank has reduced the quota by more than 40,000 to 7,000, but it is not bad to enter the minimum every month! My friend's money is 7000 yuan less than my aunt's 1.6. Try to pay it back next year.

It's hard, it's hard. You have to make money slowly and then pay back the money slowly.