This debt of more than 300 thousand directly shattered my boss dream. If I could cut the meat earlier and keep the shop running without a loan, maybe everything would be so bad. If I had known my old classmates' lawyer friends earlier, I wouldn't have been tortured by the collection for so long! Fortunately, at the critical moment, my old classmates introduced a lawyer friend to help pay off debts, otherwise I really don't know what to do.
Credit card is 654.38+0.6 million, and online loan is 654.38+0.8 million, totaling 340,000. This is already the bill after selling iron to pay off debts.
At that time, employees were dismissed, resettled, shops, equipment and a lot of things were so busy that even if their hearts were bleeding, they could only grit their teeth and stick to it! At the critical stage of the epidemic, the income is completely zero, and the future is lost in an instant. Why do you want to open a shop after leaving the official position of the original unit?
Want to transfer the store, but at this juncture, who dares to take over! Even if the epidemic has passed, it will be difficult! The transfer fee of 1 0.5 million was finally reduced to110,000 before someone took over! Before others opened a shop in Golden Street, even if they finally quit, the transfer fee was earned. It's my turn to cut meat at a discount, alas!
Finally, I lost more than 300,000. Before the price war, I lost money to earn money.
Fortunately, the lawyer helped to restructure the debt in time and got rid of the collection. Otherwise, I really don't know how long I can hold on under such high pressure. It is better to trust professionals than to struggle alone.
Being collected will be the last day I want to remember in my life. Send all kinds of phone calls and text messages on time every day. It's not enough for me not to reply. In their eyes, debtors like us are meat on the chopping block, and we just have to endure it. People in debt have no right to speak, alas.
During that time, I was in a trance and couldn't sleep at night. I lost more than ten kilograms in a month. I caught it while washing my hair, which added to my worries.
Paper can't wrap fire, and eventually relatives and friends will know. In the eyes of my parents, I am their pride, and they don't have to worry about my study. As a result, I became "Lai Lai". Well, I really don't know how to face them.
With the comfort and encouragement of my old classmates, I contacted his lawyer friend. This matter has to be professional, and only experts can know it. He helped me negotiate a stop loss for the first time, otherwise I will work in banks and online lending companies for a lifetime because of higher and higher interest rates!
Let's calculate an account, a debt of 654.38+ 10,000 yuan. If it is a credit card, the annualized rate is around 15, and the liquidated damages may be higher. Online lending companies are infinitely close to 36%, including fees and some miscellaneous fees close to 50%. Don't stop, can this money be paid off?
Please remember, for us debtors, negotiation and stopping are our only way out! If you don't worry, how can you have the confidence to rush forward?
The debt was soon settled. First, the dunning phone calls and text messages disappeared, and then successfully helped me divide the arrears. Some are divided into 36 installments, some are divided into 48 installments, and the longest is divided into 60 installments, and some of the previously arrears of interest are also exempted. The calculation of interest has stopped, only the principal is enough!
I still can't believe the formalities are over. The problem that has been bothering me for half a year has been solved?
In fact, looking back, it's not that difficult to pay off debts. Hundreds of thousands of debts are actually not much after staging. Without the drag of interest, it is easier than paying off the mortgage. In addition to psychological pressure, the pressure of income is not as great as expected.
So the most important thing is to negotiate first, and then try to make money.
Fortunately, I met the right person at a critical time, otherwise my debt would not be less, and it might increase gradually.
There is a natural weakness in negotiating with personal banks, and the law firm has worked in the financial industry for seven or eight years. Being familiar with various rules and common routines of banks can give corresponding solutions to the problems you are facing now. "The wicked will be grinded by the wicked" is not appropriate, but I
The debt is planned, and the rest is to make money to pay off the debt. Find more jobs, make your life full and busy, and don't entertain foolish ideas! As long as the spirit is not empty, as long as you work hard and have momentum, everything will be fine!
Don't be too short of money or too low in position. Come out to work and keep a low profile. Calm down to understand the work content of your original industry, and you have to rely on your old job to make money. Everything on the internet that tells you to look for opportunities in your new job is nonsense. Do you know the time?
If you have been deeply involved in an industry for a long time, there will always be various opportunities. Your part-time job better be related to these. If you really can't find it, you can also deliver food, drive or drip. How much work plus one is abnormal, more than 10 thousand a month? Don't think that your limit is several thousand dollars, and then complain. You have given up on yourself. Who can help you?
Summon up courage to face the future again. Remember one sentence, opportunities are always reserved for those who are prepared. Plan the debt first, it is only a matter of time before landing!
Several years have passed, and we are going ashore soon. I reviewed the experience of the next period and summed up some experiences. I hope I can give you some help ~
1. Family will always be their own harbor. Once you encounter difficulties, communicate with your family as soon as possible. Remember! Don't procrastinate, drag out a debt!
2. Don't go to extremes. Can't make quick money. It only takes a few years to get into debt, and you can start over for the rest of your life.
You can have more or less friends. What flowers you usually plant will bear fruit. Being a man is really important. With more friends, it's easy to go. What kind of friends do you think are good friends?
That's it. More than 2000 words, a bit long, but the code word is not easy. I hope Sanlian will share its experience in Zhihu in the near future.
I used to be a member of the diving army, but now I'm floating up, hoping to learn from my own experience. Life is a practice, you should face up to the problem, the road of life is very long, there are no obstacles. Come on, friends! At the same time, the contact information of lawyers is put below, and friends in need can communicate on their own.
Debt restructuring and debt settlement, free debt settlement plan, stop staging, reduce penalty interest and liquidated damages!
Related question and answer: Related question and answer: Girlfriend's online loan debt is too high. What should I do? Colleague A: "Borrow it from relatives."
Colleague B: "Looking for a bank loan"
Passerby C: "My debt is too high for my relatives to borrow? Do I really have no choice? "
Indeed, many people now get rich through loans, with cars, houses and daughters-in-law. However, many people were turned away when they applied for loans again because of excessive consumption in advance and heavy debts.
Personal debt ratio = total debt/total income * 100%.
Under normal circumstances, the personal debt ratio exceeds 70%, and all banks will basically refuse to lend; More than 60%, there is a high probability of refusing loans.
Usually, when the personal debt ratio exceeds 50%, it will be considered as high debt. The red line of debt ratio of some loose financial institutions is around 70%, but once it exceeds the red line, it is difficult to get loans.
Regarding credit reporting, many people have a misunderstanding that as long as it is not overdue, it means that credit reporting is good. But in fact, the "high debt" of credit information will also affect your personal credit! Credit information and debt ratio are two important indicators in loan approval, which correspond to the applicant's repayment willingness and repayment ability respectively. Whether it is poor credit information or high debt, it is possible to be refused a loan.
If a person's debt is too high, then he has more debts to repay, and correspondingly, the risk of overdue repayment or even bad debts is higher, so banks are reluctant to provide further credit services to people with excessive debt ratio.
Credit "high debt" will not only affect the approval of your mortgage and other loans, but also affect the issuance of credit cards and other aspects.
So, how can we improve the over-lending rate?
First, clean up your credit card.
When issuing credit cards, banks will consider the applicant's total credit limit to avoid excessive credit granting.
If the number of cards shown in your credit report is too large, the bank will think that your debt ratio is too high, and your actual financial ability does not match your repayment ability, so there is a certain repayment risk.
Therefore, Bian Xiao suggests that you cancel the credit cards that are not commonly used, and control the number of cards and the total credit limit within a reasonable range.
In addition, dual-currency cards or multi-currency cards generally show multiple accounts on the credit report. If you have this type of card, but the demand in consumption abroad or Haitao is relatively small, it is better to replace this card with a single-currency card, which can effectively reduce the number of accounts and reduce the debt ratio.
Second, installment repayment.
If the amount of a single loan or a single credit card debt is relatively large, you can choose to repay by installments.
For example, Xiaoming has a debt of 300,000 yuan, so the credit report shows 300,000 yuan, but if he divides this 300,000 yuan into periods, then the debt amount shown in the credit report is 30/n(n means the month of installment).
In this way, high debt becomes low debt.
Third, advance payment
Early repayment can reduce the amount of debt on the credit report. You can try to pay off the bill for the last month before applying for a credit card or loan.
For example, on the 22nd billing date, you can repay the loan on the 20th two days in advance and take it out on the 24th. You only need to transfer cash for four days, but in return, you get a good "debt level" on your credit report. Why not?
If you are going to apply for large loans such as mortgages, try not to apply for credit cards or online loans frequently within six months.
Sometimes, even if you just click to see the quota, you may leave a query record, which will easily turn the credit information into a "flower". When the bank sees so many application records, it will think that you are in too much debt.
Four. Provision of collateral
If you have real estate, automobile production, large insurance policies and other assets, you can choose to apply for mortgage loans, and the over-lending rate will increase a lot. The key is that the amount is higher and the interest is lower, which is a good match for borrowers with excessive debts! However, it should be noted that when the overdue period is serious, the collateral is very likely to be auctioned!