What kind of experience was it on the day of collection?

Wake up and turn on your cell phone every day, and see countless unread text messages and red missed calls. The content of text messages is like a drag bottle to make you pay back the money, but missed calls always fill my mobile phone screen, so as to find acquaintances. It turns out that many friends haven't contacted for a long time.

I have seen more than a dozen loan apps. Although each app doesn't owe much, it is very annoying to add up. I was going to have a good negotiation, but I'm in a mess at the moment. Think about these expired ones. I can't even pay the interest every month. How can I get ashore?

In life, the mobile phone is always silent and the screen is habitually facing down.

Several times, I heard someone else's cell phone ring, and I thought to myself, if one day I pay off my debts and go ashore, I will also turn my cell phone to the maximum and choose a favorite song as the ringtone.

"Hello, we handle loans here, and the minimum interest rate is only 3%. Do you need capital turnover recently? " At that time, I must say, "Fuck you. I don't lend! "

So, what kind of experience is it on the day of collection? Xiao Deng summed up some personal experience, welcome to add!

First stage

The phone keeps ringing.

At first, I always answered and recorded the phone calls. I have to run out of the office several times every day when I go to work, and then find a quiet corner where no one talks. I am afraid that others will hear me, but I always try to negotiate with them, but the result is always unsatisfactory. For their collection, the most important thing is to get money and earn some commission. It seems that everything is redundant. They just have to pay back the money. ...

There will be more and more calls, and I will be free in the future. Answer the phone when it happens. And most people who answer the phone are repeating the same meaning: pay back the money ... hehe, I have already paid you back when I have money. ...

stage Ⅱ

Explosive address book

After such a period of time, the collection will directly judge your willingness to repay the loan without compensation. Then, we will do the next familiar action of "exploding the address book", threatening, intimidating and insulting, and making up some short messages that are harmful to your personality by extremely despicable means and sending them to friends and relatives around you. In the end, everyone knows, and your reputation will be ruined!

The third stage

Suffer a cold shoulder

After the noise, others will even look at you strangely. Friends around you are far away from you, not only yourself, but also your parents are embarrassed in front of relatives and friends. The situation continues to deteriorate, and the circle is gone and the job is gone. ....

I have been afraid to go this far since I borrowed money, but when it really happened, I realized that I handled it much better than expected. Now as long as there is a call for collection, I will answer it directly in the office and don't hide. Even if my colleagues and leaders are in front of me, I will tell each other frankly in front of them that I have no money now and I will pay it back. I'm trying to make money and pay back the money. Instead of giving me a hard time, the leader gave me a raise. I hope I can get through the difficulties as soon as possible!

Is that weird? Why is this happening?

In fact, when such a thing happens, the mentality is the most important. It is always helpless for a person to bear it silently. You are always afraid of a showdown every day and always pretend to be yourself. This will only tie yourself down. If one day you calmly explain to people around you and sincerely apologize for their troubles, I believe that most of your friends will believe in supporting you. It's no shame to owe money. Correct attitude, admit generously, and let everyone enjoy it. I don't need to hide my little secret. Now that we have reached the lowest point, what is there to worry about? Won't everyone know each other the same in the future? So the most important thing is mentality, don't you think?