I have more than 10 online loans, adding up to 30,000, and now I am overdue and unable to repay, wha

1. Put down the seeds.

After the online loan is overdue, the reason why the borrower does not dare to let the family know is because he is afraid that the family will blame him, and at the same time, he is afraid that his relatives and friends will know that he will not be able to save face. In fact, it has reached this point where the mountains and rivers are exhausted, what can you take into account that you don't have to face? Put down your face first, put it on the ground and rub it, and tell yourself that now that you have no face, you must confess.

2. Find out why.

Find out why you are borrowing so many online loans? Why did you find yourself in such a situation? What did you do with all this money?

If you take all this money and squander it somewhere else, slap yourself hard and tell yourself never to do such a stupid thing again. If the money is used to do business and the turnover of funds is lost, at least it means that you are still a self-motivated person, summarize the reasons for the failure of the business, and start all over again.

3. Prepare for the worst.

What would be the worst outcome after you confessed? How do you deal with it? As parents, there will be a calf protection psychology, they are afraid of the child frightened, often borrow money to help the child pay off the online loan, if you meet such parents, it is a blessing from eight lifetimes, remember to go ashore, never touch the online loan again, even if there is no money to sleep on the street, you must not touch.

If your parents have a bad temper and beat you up and scold you, don't think about it, at least let your parents be mentally prepared when they face harassment by collectors, at least they won't be so angry that they fall over.

4. You have to rely on yourself when you go ashore.

Confessing is just to make yourself feel more relaxed, and if you want to go ashore, you have to rely on yourself. Calm down and analyze it, get a credit report on a tiny program like Innocence Data, and find out what online loans you owe at the moment. Which ones are on the credit report?

Which ones are not on the credit report? What can be delayed, slowed down? What is outside the statutory interest rate?

Do it in your heart, discuss the online loan of the money that is on the credit investigation and are eager to repay the money, and see if you can repay the loan in installments? Calculate how much you're going to pay back each month and work hard to make money! There is only one goal every month, and that is to pay back the monthly payment, stick to it for a year or two, and you will successfully go ashore.

Credit reports will be hacked, and some will sue you.

Someone will call you **, but don't be in a hurry to say that you will repay the loan immediately, and then ask your parents to ask for it, pay attention to your parents, friends are really too lazy to borrow you.

If it is a loan from our bank, if you have consumption, please repay the loan on time and in full before the due date. First of all, overdue will generate a bad credit history, which will affect your personal credit and future credit business;Secondly, late repayment will incur interest and liquidated damagesFinally, long-term non-return may be a violation of criminal law, and we reserve the right to prosecute.

Like you, but ashore.

It's okay to just pay this little money, little meaning

If you are unable to repay, here are a few suggestions:

1. Say hello to the contact person in the address book in advance and be mentally prepared.

2. Confess with your family to face the burden together, and there is great strength in numbers. Don't feel like you're dragging down your family, the more you drag on, the worse the consequences.

3. Get a credit report on platforms such as "Raindance Quick Check", check your overdue records, and want to repay the money but the money is not enough, then negotiate with the online loan platform, give priority to the formal credit investigation, and try to protect your credit history.

4. The last way is to go ashore compulsorily. I won't pay it back for the time being, so work hard.

If the online loan is not repaid, it will lead to a bad personal credit record, which will affect your future loan application, and after the online loan institution is overdue, the staff of the institution will also collect on you, which will affect your personal life through ** and text messages. If the amount owed is large and the arrears are serious, the platform can resolve it through legal means. At the same time, during the overdue period, there will be a high penalty interest, which will cause you a burden.

1. How to solve the problem if the online loan is not repaid?

If you are really unable to repay your online loan, you can contact the platform staff in advance, indicate your willingness to repay, and promise the repayment date, negotiate the best repayment method with the other party, and do not directly refuse to repay.

2. What will be the impact on individuals if they do not repay the online loan?

Formal online lending institutions are connected to the credit information system, and when submitting a loan application, the user will also sign a loan contract with the platform, and when the user fails to repay the loan within the time limit, it will be reported to the credit information system, and if the user has serious overdue behavior, the platform can solve it through legal channels. You can check your current credit situation in "Check this data" and find this WeChat mini program. Get rid of bad loan application habits and cover untrustworthy behaviors with new good payment records, so that when everyone encounters an economic crisis again, they will not have no way out and hit a wall again and again.

3. Collection will affect the lives of individuals and their families.

If the user refuses to answer, or has a bad attitude towards the collector, the collector will contact the user's colleagues or family members, which will seriously affect the lives of others.

To sum up, if you don't repay your online loan, you will actually have the greatest impact on yourself, because there will be a bad record in your personal credit report, which will affect your personal loan.

Therefore, when using a loan or credit card, you must repay it on time, and don't easily overdue, otherwise if you are overdue on the credit report, there will be a credit stain, and it will take five years to be able to "wash white" after paying off the arrears, and if you don't repay all the time, the credit stain will follow you for a lifetime.

The worst result is to record the credit information system and become an old man, and many benefits and benefits in the future will not be able to be enjoyed, and it may also affect the people around you!

Possible jail time. I don't know if the other party has sued you. How to borrow so much money. You're going to borrow money. It's going to be returned. This one can't go.

Are you ashore now? I also owe a lot of money and am now working hard to pay it back.

At most, if you become a dishonest person, it won't be good.

If you owe more than a dozen online loans to a total of more than 100,000 yuan, you can negotiate the repayment standard with the online loan company, stop using loans to support the loan, confess to your family, and ask your family and friends for help. If you can't afford to pay it back, you may be included in the blacklist of dishonesty, affecting your personal life and travel, and you may also face door-to-door collection by online loan companies, or even lead to prosecution and imprisonment.

Extended Information: Consequences and Impacts of Online Loan Non-Repayment:

1. High penalty interest and liquidated damages.

If the debtor extends the overdue time, the higher the specified interest will be, but no matter how high it is, it cannot exceed the legal scope stipulated by the laws of our country. If the loan is not repaid, the lender will also be required to pay the corresponding liquidated damages. Therefore, it is better to develop good repayment habits to avoid causing more problems in the future.

2. Damaged credit.

If the loan is not repaid, it will also affect their creditworthiness. Nowadays, many banks and online loan companies have adopted a sharing system, if you take a loan from a bank or online loan company and do not pay back. Then it is possible that other online loan companies or banks will know that you owe the loan and do not repay it, and if you want to apply for a loan again later, it will be difficult or even possible that you will not be able to borrow money.

Because your credit has been damaged.

3. Being harassed by various means.

If the loan is not repaid, it is also possible to be harassed by the online loan company, and 24 hours of uninterrupted text messages to the lender or the lender's relatives and ** collection method is considered a relatively light behavior. Some online loan companies will outsource collection to professional companies that specialize in debt collection, and the collection methods of these professional debt collectors are varied, and sometimes even because of the "violent collection" behavior of the collection company, it will lead to the fragmentation of a family.

4. Serious circumstances will lead to imprisonment.

If the debtor resolutely refuses to perform the repayment obligation, he will be a recumbent and the circumstances are very heinous, the court will investigate the criminal responsibility of the debtor. Article 108 of the General Principles of the Civil Law of the People's Republic of China: 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. and where they have the ability to repay and refuse to repay, the people's court is to make a judgment to compel repayment. According to Article 675 of the Civil Code, the borrower shall return the loan within the agreed time limit.

Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time. Article 676 stipulates that if the borrower fails to return the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

I have almost 50 platforms, all in the thousands, 7 day cycle. Now I owe 100,000. used to be a loan, but I found that it was 100,000 yuan, and I didn't take out online loans, and it was blown up every day.

Take your time, one by one. There will always be a time to finish. Don't feel like the world isn't worth it.

I owe more than 300,000 yuan, and now I am still overdue, I have repaid more than 200,000 yuan, and now I have no money to pay it back, and I have sent lawyer letters one by one, what should I do.

I also owe more than 100,000 or 200,000 yuan, and I can't afford it What are the consequences of all overdue?

Me too, I owe more than 100,000 yuan, and I can't afford it. Gambling kills.

I still owe more than 100,000 online loans, and I can't afford to pay them back.

Me too, have you handled it well?

How much do you owe??? Dozen?

If you have a large amount of money, they may sue you, but if you have a dozen platforms, it is not necessarily.

1. Confess.

I believe that this is the most reluctant method for many friends to choose ashore, for fear of losing face. Know that if you confess to your family, they may be angry and sad, but in the end, they are the only ones who can help you get through it. Who hasn't done something wrong?

2. Negotiation. When the online loan cannot be repaid, it is possible to negotiate with the online loan platform, and before negotiating, you should be clear about the loan principal and interest, and negotiate with it whether the repayment period can be extended, and even the interest can be negotiated. And the collector must answer the ** call, and explain that he has the willingness to repay, but there is no money to repay at present, and negotiate the specific repayment time and so on.

3. Work. Don't think that you owe a lot of online loans and will collapse before you can go to the sky, and you will be in a slump from then on, this is a big mistake. It is precisely because of the money owed that it is even more important to cheer up, work hard, and earn money well. You should save what you should save, get rid of your own problem of spending lavishly, how much you can pay off, and one day you will pay off all your debts.

4. Pay off reasonable arrears.

With the development of social science and technology, personal credit has become closely related to our lives, as long as we still need loans in the future, we must maintain good credit, because banks have requirements for credit information, so remember not to leave some bad records on personal credit, you can understand your current credit situation through Mi Weicha, and find this public platform. You should lower your spending level, try to increase your income, pay off the arrears as soon as possible, or borrow money from relatives and friends to pay off the money on the loan platform first, and then slowly pay off the money of your family and friends.

I owe a dozen of them too, and I can't pay them back.

I'm the same, more than 20 platforms, I owe more than 100,000 yuan, and now I don't know what to do.

The ultimate consequence of failing to repay the online loan is to sue the court, be included in the list of dishonest judgment defaulters, become a cheater, and freeze, and the property in the name is used for enforcement until the money is paid off, which is the ultimate consequence.

If it is a formal online loan, there will be a strong collection after the overdue to intervene in the collection, and the online loan is often outsourced, and the professional collection company. If you borrow some illegal online routine loans, such as the illegal loan of 714 anti-aircraft artillery at this year's CCTV 315 party, the collection will be even more crazy.

However, as long as the collection can be carried over, because the other party's platform itself is illegal and the target of severe crackdown by the public security organs, it is impossible to sue the court, and the loan will eventually be lost.

Pay back the hair, you don't have to pay back a penny, especially for seven days, you delete the important people in the address book, use the new number, the old number is specially used to borrow this kind of online loan, borrow a thousand and count a thousand, they don't dare to do anything, this kind of online loan can't be on the table.

I also owe a bunch of 7-day small loans now, borrowing east and west to make up. It's getting bigger and bigger, and I can't pay it back, and I just started today, and I don't know how to get it.

I'm going to cheat people too. I borrowed Kuaimi, and when the money was due, I repaid 1500, and then borrowed 2000 points, and I called ** at night, and told me that I didn't pay back 3500, and I didn't pay back the address book. Later, I paid it back, and I knew that the platform didn't have 2000 unpaid, and I knew that I was scared, and all the platforms were like this, what should I do?

Are you trying to force me to death? I really want to die.