With a debt of 300,000 yuan, I will soon be overdue, what should I do?

Friend, are you the best person? Can you talk?

Thank you for the invitation.

Thank you for the invitation.

Online Loan !! How many young people have been pitted by a piece of software!

Online Loan !! How many people's lives have been messed up!

Online Loan !! How many families have been ruined!

If you can touch the online loan, don't touch it, if you touch the online loan, I advise you to go ashore in the morning!

Let me tell you about my online loan and how the credit came ashore!

I remember that it was the beginning of 2016, because I was ignorant, and I just worked, and my salary was only about 2,500 yuan a month! I also spend money lavishly, a friend introduced me to it, saying that you can borrow money online, let me ** software on the line! The first time I remember borrowing 2,000 yuan on a platform, I repaid it after a while.

It didn't take long for me to borrow money from the software again because I didn't pay my salary! One time at a time, until I found out that the hole was getting bigger and bigger, and the more I borrowed, I couldn't repay it anymore! That's when I realized the seriousness of the matter!

With such a high interest rate on online loans, your salary is not enough to repay the interest! Debt of nearly 200,000!! Later, credit cards are all kinds of pours, too!

What a white head overnight!! Worry about!!!

It wasn't until later that I was ready to go ashore! First of all, I found a side hustle, and then I used third-party software to repay the credit card! Fortunately, the side business I did was not bad, I worked hard at first, but then I persevered, and now it is nearly 20,000 a month, plus my own salary, I have almost paid off the debt!!

Online loans are a boundless sea! Never too late to mend! Brothers!!

Dozens of overdue online loans, 300,000 debts, the best way for you in this situation is to confess to your family, there is no need to hide it, even if you hide it, you can't hide it, maybe when your family knows, your troubles will be even more.

Share about my brother-in-law, my brother-in-law talked about a girlfriend in 2015, and then bought a mobile phone for his girlfriend in installments of more than 6,000, and when my brother-in-law returned it for a few months, I don't know why I broke it off. In September 2018, the family suddenly received a lawyer's letter, and at this time the family only knew about the matter, and at this time the father-in-law and mother-in-law knew about it, and scolded the brother-in-law, but honestly returned it. And the brother-in-law's personal credit is also stained, and this personal credit stain still exists so far.

Why should you confess to your family if you have an overdue debt of 300,000?

If you have just been overdue, the overdue amount has completely exceeded your ability to repay, and this is the time to urge you.

When the money company or financial institution does not trouble you, it is best to deal with it, and when the lawyer's letter or summons is delivered to your home, the paper will not be able to contain the fire, and you can confess to your family for several reasons.

Family is always family, and if your family is in trouble, your family will definitely find a way to help you solve the problem. If you have the help of your family, I believe that it will soon help you pay off the expected debts, after all, everyone knows that it is natural to repay debts and money, and there is no way to repay the debts.

2.For your personal credit not to be blacklisted.

Nowadays, many online loans are on personal credit, unless some individuals or institutions illegally lend money, but in the past two years, there are relatively few people who have been illegally lent to crack down. Most of the online loans that can be operated are the entire financial institutions, these online loans are on personal credit, once you are overdue, your credit will be stained, if you go missing and refuse to repay once you are on the credit blacklist, you can't handle a lot of business in the future, so in order for your personal credit not to be blacked, now overdue is just a stain, but I believe it is still blocked, tell your family that you may be able to solve the problem in time.

3.Avoid trouble or jail time.

Once you are overdue for a long time, the financial institution will hand over the bill to the collection company, and the collection company will do everything possible to ask you to repay the debt. If you still refuse to repay, the collection company or financial institution will go directly to the legal process and sue you to the court, generally this kind of online loan is sued for fraud, once the court decides, the forced repayment will not have criminal liability, and it is useless to escape at that time.

The above three reasons are enough for you to honestly confess to your family that you are overdue for dozens of online loans and owe 300,000 yuan. If you continue to overdue, or do not repay, then your family will naturally know, and it is only a matter of time before your family members know about you, and when your family members passively know about it, maybe you have a lot of troubles waiting for you to deal with, which will make you pay a greater price.

The 33-year-old debt can't repay 1 million, and he still has to pay the debt. If it is temporarily unable to repay, the debtor may repay in installments with the consent of the creditor or the ruling of the people's court. If it is permanently unable to repay, only the debtor's existing personal property can be paid off, which must be heard by the court, a judgment must be made, and then put into practice.

Do women who are in debt have to share the burden? Truth: Not Analysis:

It depends. Generally speaking, in the event of divorce, if it is a joint debt of the husband and wife, it should be borne jointly by both husband and wife. In general, the following debts are not joint debts of the husband and wife and should be treated as personal debts and repaid by the individual:

1. Debts that the husband and wife agree to bear by themselves, except for the purpose of escaping debts; 2. Without the consultation of the husband and wife, the debts of relatives and friends who have no obligation to support or support are funded without authorization; 3. Shutanran raises funds to engage in economic activities on his own without consultation between husband and wife, and his income is not used for debts incurred by living together; 4. Other debts that should be borne by individuals, such as personal debts before marriage and debts borne by one party's unreasonable expenditures. 【Reminder】How to repay the debts of husband and wife in divorce? In the event of a divorce, the joint debts of the spouses should be repaid jointly.

2. If the joint property is insufficient to pay off or the property is owned by each other, the two parties shall settle it by agreement; If the agreement is not reached, the people's court shall make a judgment. 3. One party repays personal debts alone.

Article 678 of the Civil Code of the People's Republic of China: The borrower may apply to the lender for an extension of the loan period before the expiration of the repayment period; If the lender agrees, it can be extended.

Hello friends, Article 108 of the General Principles of the Civil Law stipulates: "Debts shall be repaid. If it is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court.

Where there is the ability to balance the repayment, the people's court shall make a judgment to compel repayment. It follows that the debtor must repay the debt.

Negotiate with the debtor to settle the matter, and may negotiate an extension or reduction.

For me from a rural family, the debt of 300,000 yuan is like a mountain weighing me out, and the debt process is not much to say, it is meaningless.

Let's talk about the period of debt......

Daily collection** and text messages are crowded with mobile phones, and parents at home will receive notifications from time to time. They are all fallen people at the end of the world, and life is not easy to ......

During that time, I was really tired, helpless, helpless, things still had to be solved, I worked hard to communicate and negotiate, tried to find a way to make money, and dealt with it with a pen, ah, this time was really mixed, people were cold, tired, and the results I made out by myself, reflect on it yourself, and grow ...... from it

Here and I would like to say to you, it is really necessary to think twice before doing things, especially if you have a bad foundation, especially to think about it, to do it, don't be impulsive and blind, once you fail, the consequences may be that you can't afford it, and you can't afford to make a comeback, and you will lose confidence seriously, and you will be slumped from then on, full of shadows in your heart.

There are a lot of big truths, so I won't nag them one by one!

If you are still struggling in the water, try to go ashore, only when you go ashore, you will sleep at ease, I know the bitterness of the water, I don't eat well, I don't sleep well, my hair is gray, and I fall to the ground, this is a kind of growth, a very deep kind of ......

Hurry up and make money.

400,000 is a very large amount, and the interest generated by overdue for three years is also very large, which is likely to affect your own credit, so at this time, you must hurry up to earn money and repay the loan in time. Although 400,000 yuan can not be repaid overnight, but through their own efforts, through their own hands to make money diligently, so that you can slowly repay this money, in order to make yourself more relaxed. Therefore, making money should be put in the first place, and you must earn enough money to pay it back.

1: Overdue for three years may affect your credit investigation.

Now 400,000 yuan is overdue for three years, which is very likely to affect their credit information, and may even receive a lawsuit. Credit investigation is very important for individuals, so we must make money as soon as possible and pay back the 400,000 as soon as possible. Before repaying, you can explain the reason to the lender, and then slowly earn money and repay slowly, so as to make your credit better.

You can also borrow money from relatives and friends first, then repay it, and then work on your own later and then slowly repay it to your relatives and friends. In general, credit investigation is very important, so be sure to repay the loan in a timely manner. <>

Two: 400,000 is not a small amount.

A debt of $400,000 is a lot of money, and it must have generated a lot of interest. Therefore, a large amount of money must be repaid well, so as not to affect one's life. You must find a suitable job and then use the job to repay the 400,000, although it may take longer, but if you don't pay it back, the consequences will be more serious.

It must be repaid in time, and it is not a good idea to delay it for a longer time. <>

Three: Don't put too much pressure on yourself.

Although 400,000 is a lot of money, for ordinary families, it takes years or even decades to work for money. But don't put too much pressure on yourself, because putting pressure on yourself doesn't change, his debts still exist, and it may even affect your physical and mental health because you put too much pressure on yourself. Therefore, we must adjust our mentality and let ourselves face this matter well.

You can find your friends to borrow money, so that you can get a good solution, and there will be no very serious overdue, and it will not affect the loan in the future, and it will not affect the credit information.

When this happens, you must do your best to repay the money you owe, you can borrow money from relatives and friends, you can discuss with the bank staff to determine the best date for repayment, and you must work hard to make money.

At this time, you must have a good attitude, and then go to find a job and pay back the money slowly, so that your life is more fulfilling.

At this time, you must have a good attitude, and then go to find a job, slowly repay the money, and live a more fulfilling life.

Introduction: If someone has a debt of 400,000 and is overdue for three years, then it may affect everyone's credit, and may even be sued, so it is best for everyone to repay their debts in a timely manner, and you can temporarily borrow from your relatives and friends, so that the interest is relatively small, after doing all this, you also have to find a job, make money as soon as possible to repay the debt, if the arrears are getting longer and longer, it will definitely affect everyone's life after that, if it is borrowed in the bank, it may affect the credit, In case you need a loan in the future, you may not be able to borrow money to buy a house or a car. It is even possible that the loan company will sue the court with even more serious consequences.

A round of slag, first of all, to make money to repay the loan.

If you have a debt of 400,000 yuan, and it has been overdue for three years, then you may receive a summons from the court, some loan companies are more humane, and there is no hurry to urge you to repay the money, but not urging you does not mean that you do not need to repay, you must repay the money on time, and 400,000 is not a small amount, for an ordinary family, it may be necessary to work for several years to be able to earn, and the interest on this money will be relatively high, sometimes the interest is almost higher than the principal, Therefore, everyone must earn money to repay these loans as soon as possible, or borrow money from their relatives and friends temporarily to temporarily fill the loopholes. <>

2. Adjust your mentality.

If you are borrowing money from a loan company, then you may receive an annual repayment notice from the staff of the loan company, so many people will become more and more impatient and want to get together 400,000 yuan in a short period of time, but it is impossible for everyone to get so much money in a short period of time in any job in the world, and it is likely to make everyone take a detour, so everyone must confess to each other at this time, let the other party give themselves more time to raise money, and they must also adjust their mentality and not be too extreme. <>

III. Concluding remarks.

When you borrow money on various online loan platforms, you must pay attention to looking for a formal platform, especially college students, don't blindly compare, buy too many famous brands and go to some more dangerous platform loans, it is likely that everyone will fall into it.