What to do if you are stuck in an online loan, and how to solve it after you fall into an online loa

First of all, don't take out loans, because borrowing to support loans is a disgusting cycle. Don't, secondly, bear it with your parents, even if you borrow money from your parents, relatives and friends, at least there is no interest and personal debt.

Secondly, there is interest on the overdue loan. You have to bomb the address book, the gains outweigh the losses, although you feel sorry for your parents, but if you don't say it, it will be worse in the future! Remember, have a showdown with your parents, and don't borrow again after you pay it back. Work hard and earn well.

So whatever happens, remember to take responsibility first in accountability. So three suggestions:

1.Work with peace of mind when the flow of funds is not interrupted.

The purpose of the work is not to pay off the debts, because it is impossible to support you to pay off all your loans, but the only thing it can do is to provide you with a stable living environment during this most difficult time and not go hungry.

2.Confess to the people around you in the shortest possible time.

To tell the truth, how many people can be honest, but those who do it will be relieved of their burden. Because you will find that the people who love you will definitely stand up for you, and if you have the ability, they will help you get out quickly, so that the money you owe is not a loan from the platform, but the people around you.

3.While working, increase your surplus for yourself.

Why do people borrow? At the end of the day, there is something wrong with the economy. So why is there something wrong with the economy? The direct point is that I want to increase my income, listen to bad advice, and make wrong choices, which leads to inevitable results.

Therefore, through this experience, we can better understand that there is no such thing as eating lunch in vain, and if you want to make money, you must learn to create your own value, invest conservatively, invest rationally, and of course, understand how to bear it after failure and not escape from reality.

The loan was repaid in a large amount.

I'm just on the water, here I advise you, don't think about pie in the sky, in the end it's the family to solve, for those who say they can help, it's nothing more than borrowing again, or gambling to buy lottery tickets, I greet your ancestors, people like you don't deserve the respect of others, you owe a lot, and let the loan, you for your own profits, do not hesitate to harm others, and what can you buy lottery tickets, if it's really like you said, you've long been millionaires, why bother pulling others here, People like you are even more shameful, for yourself, but I don't know how many people committed suicide for these, so, those who owe money, tell the family, no one else can help you, don't be delusional, if you want to talk, I can talk to you, but if someone asks you to add a loan or let you buy a lottery ticket, don't think about it is the second time you enter the abyss,

The most regrettable thing,* the money has to be returned.

Pay it back as soon as possible, and then apply for a credit card, apply for it through regular channels, and I can repay it on my behalf

Objectively speaking, these people you meet in this circle, you are the most self-disciplined, persevering girl, and you are also very smart. I haven't seen you, but I can feel it. But unfortunately, maybe you are not deeply involved in the world, or maybe you have never received education about money, and when you wake up, you are already in a deep quagmire and cannot extricate yourself.

In fact, the best solution is to confess to your family as soon as possible and let your family help you solve it. But your family can't afford it.

The second plan is that you simply choose to overdue, become an Internet hacker for three or five years, and hope that your relatives, friends and classmates can support you. But you don't have the courage. It's understandable that a weak girl like you can't be so decisive.

So first of all, I can only advise you not to think about it, and find you another way out, which is not very good in my own opinion. But it's okay, at least it's not so much to drive people to their deaths.

As I was writing this answer, I was approached by another friend on Zhihu, who was only 18 years old and wanted to borrow money. I said, the weekly interest rate is 10-20%, and he said that he can accept it, and he has to borrow it today and use it to repay the money, otherwise the creditor will come to the door. After thinking about it, I told him that I couldn't borrow it today.

Saying this, I digress.

The Internet has made the world around us bigger all of a sudden, and things that we have not been exposed to before have come to our side all at once. Some things are like emojis, and it's okay to use them casually. Some things, misused, really hurt your life.

Leave a self-test question to calculate how much your credit card installment is equivalent to the loan interest rate. Friends who can't be counted, don't borrow money indiscriminately. I thought it was very simple, and half of them were wrong.

Solution: A: Pay back the money.

B: No. Morally, to pay off debts. You can negotiate with the other party to repay only the principal and no interest. will agree with you.

If you don't pay back, you will be at risk of the following:

1.Personal information is sent online, including ID cards, home addresses.

2.Contacts friends will receive a collection message.

3.There is a very small probability that there will be offline door-to-door collection (depending on the amount), and the probability of violent collection is even lower.

1.Online loans are not subject to credit reporting, and personal credit has no impact.

2.Regular online loan companies will not break the law (violent collection) for your money, and it will usually be counted as bad debts.

3.It's hard to say that usury is high-risk, so pay it back as soon as possible.

[Hengyi Loan] the number of people under the payment channel: 5635 quota range (5000-200000) The speed of the new mouth to release water.

Zhong'an dots] the number of people in the next channel: 7873 quota range (1-10w) The speed of the new mouth to release water to Lu.

Sunshine Money Bag] The number of people in the next channel: 3381 quota range (1w-20w) The speed of the new mouth to release water to Lu.

The small sum that it is easy to go off.

If you don't have any money, it's okay, so you will intimidate and bomb the address book, and if you endure it, you won't be asked to pay it back, and you won't be on the credit report, but you can't get an online loan in the future.

Make a large amount and pay it all back.

The solution after falling into an online loan, online loan is a very dangerous loan, it is recommended that you pay off the loan early.

I think that if you want to understand your online loan situation, it is best to make statistics, for example, you can go to the bank to check, or directly in the whiteness:Padocha,This station,The interface he docks with is the vast majority of the reception platform,So the data is very new and complete,The main thing is that there is an in-depth report on it,You can see your complete data,Reception records and overdue situation,Blacklist hit situation and so on。 It's still important to look at your overall rating.

Knowing yourself is the first step, and then make a plan for yourself to try to fill the hole.

There is no good solution, those who borrow thousands of dollars are weak, if they have an online loan, then the whole family will have to fight for the online loan company to make money, this is the P2P platform lending relationship, what to do? Only by reporting the case to the public security organs, it is likely that it will not help you on this basis, because you have no money, the online loan company has money, and a dead person is not even an ant, and the society is like this, so I will be on the table.

Pay off the loan money on time.

There will be no consequences for the loan money:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

1.Greedy psychology: Networks** tend to attract people with the promise of high returns, get-riches quick. The deceived are easily lured into the ** because they are greedy for easy access to a large amount of wealth.

2.Blind trust: Often masquerading as a trusted institution, organization, or individual, using a false reputation and professional image to gain the victim's trust. The deceived person may blindly trust the other party's promises due to a lack of awareness of doubt and verification. Eye.

3.Social pressure: Some networks** spread through social networks or referrals from friends. Victims may join because they don't want to be envious, lose their social connections, or be isolated** because they fear that rejection could lead to undesirable consequences.

4.Insufficient information: Victims may lack knowledge and awareness of the web** and have limited ability to identify and discern false information. They may not know enough about the internet and how technology works and are susceptible to deception.

5.Pursuit of convenience: The Internet is often carried out in simple and convenient ways, such as investment, online shopping, etc. Scammers may ignore the risks in the pursuit of convenience and trade without adequate investigation and verification.

Overall, people who fall into the web** tend to be gullible due to psychological factors such as greed, blind trust, social pressure, lack of information, and the pursuit of convenience. In order to prevent cyber**, we should remain vigilant, enhance our awareness and knowledge of cybersecurity, learn to distinguish between authenticity and falsehood, and avoid trusting strangers and overly tempting promises.