Trapped in online loans, unable to repay, how to save yourself?

The way to save yourself is actually very simple. Now it is rumored on the Internet that the water army hired by the loan company is rumored on the Internet.

It means directly overdue. You can't repay it, so you have to bite the bullet and force it to be overdue. Be prepared to be collected. Don't worry, don't be afraid, as long as you don't say anything drastic, don't worry too much.

if you look at the credit report, you can't get credit information. If you don't get credit information, you don't have to worry about it. If you don't get credit information, you can call directly to explain your current predicament one by one. Credit card holders must take the initiative to contact themselves and explain their predicament. If you can do it by stages, you can only do it overdue.

finally, find a stable job, stabilize your income, save your money, and pay it back slowly, first pay back the credit card. If you don't have enough money in the meantime, don't give it back to the east and the west, then you will never finish it.

First, strengthen your inner strength and ensure a peaceful life. Tell yourself from the bottom of your heart that money is a thing outside your body, everything will pass, and don't do anything drastic.

second, it is necessary to straighten out the information and materials of relevant personnel you provided at that time, so as to reduce the harassment of the implicated person and do a good job in prevention and control.

the third is to sort out the details of the loan, explain it frankly to the family and do a good job of prevention.

fourthly, consult with a lawyer to find out what is paid back, make a repayment plan, and communicate with the platform.

Fifth, if you encounter unreasonable demands or threats, call the police.

If you have no money, you can earn it again. It's also a reality that you can't pay it for the time being. If you can't get through it, try to solve the problem as far as possible.

Force you to go ashore! Looking for a job or a part-time job, I'm just like you. First of all, I confess to my family. Nothing in the world cares about you more than my family. If I can pay back part of it:

1. If I can't pay back, I'll communicate with them, postpone or stage it. After all, banks and formal platforms are on credit reporting, which will have a great impact on you!

2. Actually, negotiate with them to give a repayment time. Those who can help you are all noble people who believe in you. Even if you have no money to pay back now, it's better to plan well, set a time for them, or pay them back in installments. Don't let those who believe in you and help you down!

14. The loan sharks with an annual interest rate of more than 36% can finally repay the principal with a little interest, and collect the loan bills and collection evidence! If violent collection, choose to call the police!

the above is my own way, don't spray if you don't like it! Thank you.

I'm sorry this question needs to be discussed with your parents.

How can you regret it when you only think about it? Why did you go early? I'm sorry. I'm not your father. I don't need to believe you, so I'll just say it.

Is it over? Then make the same mistake as a dog can't change it.

My suggestion is that you can borrow money from your parents by stages, but not by stages. Remember, if it's usury, you don't have to borrow money and pay it back directly.

No matter why you borrowed so much money,

but what is certain is that the money must have been coveted and squandered.

Then subvert your life.

There are few things you used to love to do.

Spend more time in life

Experience the beauty of life slowly

Pay back the money slowly

It is also convenient for you to quit some addictions

Develop a good living habit

The most taboo thing is to ask your parents for money directly

Why should someone else help you

Why do you leave your hands behind and borrow it again?

I've been involved in online lending for five years, and I've been supporting loans for nearly four years, and I've spent more than 5, yuan in interest, but in the end I completely collapsed. At the beginning, I was afraid of debt explosion and violent collection, so I kept holding on and holding on. By April 22, it was completely unsustainable and the debt broke out in an all-round way. At present, apart from credit cards, I owe 15 online loans, totaling 63,, which is eight months overdue. First, to support loans with loans, struggling to support

I first used online loans in the first half of 216. After that, when the repayment is tight, rob Peter to pay Paul. After more than three years of development, the situation has deteriorated to the point of being riddled with holes. At present, my online loan situation is as follows:

Alipay (spend money and borrow money) is 28, yuan. Micro-loan 4 thousand. JD.COM (white bars and gold bars) 4,. Recruit 22,. Have the money to spend 5 thousand China post 4 thousand. Pleasant loan 1 thousand. The willful loan is15,. And a loan of3,. Auction loan is .5 million. Flash silver is .5 million. 15, in Heng Chang. Three, six, three thousand.

I have borrowed many of these platforms for two or three times, and the repayment period is one year. For example, on "and", I borrowed it and paid it back, then borrowed it again, and borrowed it three times before and after. Second, the interest snowball is getting bigger and bigger

219 is the peak of my repayment, and almost every day is the repayment date. When the pressure is greatest, I have to pay back more than 6, yuan a month. After the debt broke out, the company talked to me and asked me how much money I had spent. To tell the truth, my heart is a muddled account. Every day when I open my eyes, I just wonder how to pay it back. As for paying back a lot of money, a lot of principal and a lot of interest, they are all confused, because there is no energy or mind to calculate.

Now, it's eight months overdue, and my mind is gradually calming down. Looking back on the experience of raising loans with loans for more than three years, it is conservatively estimated that the interest I paid back is not less than 5 thousand.

I owe 63, yuan in online loans now, and the previous figure is bigger than this. Because of the fear of overdue, afraid of exploding the address book, on the eve of overdue, I struggled to raise funds everywhere. During that panic period, I also fed it about 2 thousand.

these online loans have a lower interest rate of around 2%. Those with higher interest rates are all above 36%. Now it's a bad account, and I can't calculate it clearly. I can only roughly estimate the interest, which is so much that it hurts me to think about it. Third, the economy dried up, forced to go ashore

In April 22, after struggling, my economy dried up completely and I was no longer able to repay. At this time, I was forced to go ashore. Now that I think about it, it is the right choice to force ashore, but it is too late. Because you are struggling in the quagmire of online loans, it is difficult for you to turn over anyway. Those interest rates are so high that they can drain your income.

I often see on the Internet that some netizens say, "It's only natural to pay back debts. You borrowed it voluntarily at the beginning, and now you have to pay it back truthfully. " I want to say that this is a typical foolish loyalty thought. Not to mention, when borrowing for the first time, many netizens did not know the real interest rate behind online loans. Take the "and" I borrowed as an example. The comprehensive annualization written in the contract is 35.9%. At that time, I didn't know that the real interest rate behind the repayment by equal principal and interest would be so tricky. Besides, even if you know that it is not the first time to acquiesce in the damage caused by illegal acts, it means that you can't do justice in the future. The Qing government signed a treaty that humiliated the country, which is the best example.

now, my idea is to make money hard and pay back the credit card first. When the credit card problem is solved, come back and negotiate repayment with the online lending platform. I dug the hole myself, but I still want to fill it up.

finally, let's answer your questions in a general way. Trapped in online loans, unable to repay, how to save yourself? Combining my personal experience and summing up my painful lessons, when you are deeply involved in online loans and unable to repay them, forced landing is the only correct choice. Don't be afraid of collection, because collection is inevitable. Concentrate and work hard to make money, and when you have saved enough money, then come back and negotiate one by one.

So, how much interest have you spent on online loans for so many years? Do you have any idea?

Loans are easy, but it is difficult to go ashore. Nowadays, people who owe loans are very common. Many people can only borrow online loans because of lack of money, and finally they are heavily in debt when they are unable to repay. It is not difficult to go ashore, and it can be solved by paying off this debt. However, if you can't repay it, you should actually sort out the situation of online loans first and then make a comprehensive analysis to find a solution. For example, whether tens of thousands of online loans are one or more, does it involve informal usury platforms and formal platforms? If it is informal, it can be delayed, and if it is formal, it can be repaid first, which can also reduce the impact on you.

To put it bluntly, the informal platform means that no matter how you repay it, the debt will get bigger and bigger, and the interest will exceed 36%. These online loans are not within the scope of state protection, so you can not repay them first, but pay them formally first, because to avoid your blacklist of credit information, formal non-repayment will also make it difficult for you to make loans later. What other methods are there besides forced landing?

first, minimum repayment. Try the minimum repayment first, and then do more part-time jobs, so that the income from work exceeds the interest paid, in order to pay off this debt, especially the formal online lending platform, and actively repay it. After all, once there is a stain on the credit information, it will take five years to clear it after repayment, and it is difficult to get a loan within five years.

if some platforms don't support your minimum repayment and your address book is exploded, in fact, let it go first, and it is best to repay it on a platform that can be negotiated, so that some will be reduced. However, if the tens of thousands owed are only an online loan company, there is basically a chance to negotiate repayment.

second, borrow money for repayment. Debt transfer, after all, if you don't repay it in the end, you will burst the address book. At this time, it is better to borrow money directly from relatives and friends and repay as much as you can, which avoids the continuous rolling of interest. On the contrary, the late repayment is very passive, while the relatives and friends borrow money slowly.

This situation is the best way, because the minimum period of debt to parents and friends can be extended, and the interest owed to online loans is not only forced to go ashore for a while, so consider whether there is anyone who can help you.

Therefore, there are not many tens of thousands of debts. If you can't repay them, you should first sort out the debts and see if there is anyone who can help you, or work hard to earn more wealth to repay the debts.

It's nothing if you don't have the ability to repay the loan. Work hard with light clothes, and everything will be easy if you have money. It's also a good thing to limit high consumption. It's a fine tradition of our country to be thrifty and collect money. It's good for us not to deal with banks.

When the country opens the door to the internet, it will win some online disasters, but it will make the whole society flood with fakes and chaos. Teenagers are addicted to online games and have no intention to study, which seriously affects their physical and mental health; How many people have lost their minds by online gambling, and they are deeply in debt. Peer-to-peer lending is more reckless, how many people have been ruined.

strongly appeal to the state to strictly control the internet as soon as possible, prohibit online gambling and severely punish peer-to-peer lending! ! !

You still owe tens of thousands of online loans, but now you can turn over. In fact, there are still ways to deal with your tens of thousands of online loans. You can let you go ashore according to the following methods.

(1) Increase your income

Now that you owe tens of thousands of online loans, it is very difficult to increase your passive income, so you can only increase your active income. Active income is to use your own ability to go to work with peace of mind and earn money every month. For example, you can change to a higher-paying job, or do two jobs, which is the most direct way to increase your income. As long as your income is high, your debt repayment ability will be improved, and you will be let ashore slowly.

(2) Seek help from your family

Now it is not difficult for a family to pay tens of thousands of yuan. Since you are unable to repay now, it is ok to seek help from your family. Borrow tens of thousands of yuan from your family first, and then pay off the online loan. In this way, you can pay less interest, and at the same time, your personal credit information will not be tainted. This will kill two birds with one stone, and then you will slowly return the money to your family again.

(3) Loan repayment by installments

Pay your tens of thousands of yuan by installments, explain your personal situation to the online lenders, and then say that you will repay by installments. As long as you are willing to repay, they very much hope that you will pay by installments, so that online lenders will make more money. Making money by online lenders means that you need to pay more interest, and you lose and gain, and you use interest money to reduce the repayment pressure.

(4) legal online loans first, illegal online loans dragging

Nowadays, online loans are various, not all online loans are legal, and there are also many illegal individuals or institutions on the Internet to make mortgages. Therefore, you can analyze according to the major online lenders you owe. If it is legal and overdue, you can repay the money first, and illegal online loans can be delayed to give yourself a buffer. For example, if you owe 5, yuan, of which 25, yuan belongs to a legal financial institution and 25, yuan belongs to an illegal institution, so that you can slowly return the money of the financial institution with 25, yuan first, which is also a solution.

Based on the above four methods, you can choose one or two methods to pay off your debt according to your own situation. Only when all these debts are paid off smoothly can you really get rid of the debt-ridden days and really climb ashore.

I, in 1987, once owed 3, yuan to my credit card, and now I have less than 1, yuan left, and I am trying to pay my debts ...

Let me talk about my personal experience.

After graduating from college in 29, I got an internship as an apprentice in a garage because I majored in automotive electronics. I managed to eat and live for a month, and my salary was 3 yuan. Although the boss said at first that he should eat and control, he changed his mind later. Five or six people only gave more than 1 yuan a day to buy steamed bread, and then he wholesaled several hundred kilograms of potatoes. After eating potatoes three times a day, he bought several hundred kilograms of cabbage. After eating the same dish for a month or two, we felt sick when we saw potatoes and cabbage. Because this garage has nothing to do for a day and can't learn any skills, I can't stand it for half a year, so I quit.

Then I looked for a job, and I received a job call from Ping An Insurance, and I stepped into the insurance industry. I just entered the insurance company, and I am a foreigner. I don't have any relatives and friends in Jinan, and I am more introverted, so I don't know much about insurance with others. After a few months, although I worked hard, my performance was not good. Seeing that I have no money to eat, and I am embarrassed to ask for money from my family again, I want to get a credit card for emergency. So, I got the first credit card in my life. Just after I got the credit card, I was still able to restrain myself. I only spent a few hundred dollars every month, and I will return it in time next month. But with the growth of time, the income has gradually increased, and my own expenses have also increased. I feel that it is very convenient to swipe my credit card, and I can't control my consumption. As long as I see what I want to buy, I will swipe my credit card directly without considering the price. Later, there were more and more overdrafts, and I found that one card was not enough at all, so I