I owe 50,000 yuan in online loans, and my parents kicked me out of the house, and my husband asked f

So why do you want to take out an online loan? It looks like you're borrowing money to get something.

Your parents and your husband didn't know about it beforehand.

I think you're going a little too far.

If you really got to that point, you did it yourself.

There's not a lot of money, so why is the reaction so big! Next time, it will be fine to borrow 50 million more.

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, get a credit report on the innocent data and the like, and find out which online loans you currently owe? 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.

Legal Analysis: Marriage is free, divorce is possible. The law stipulates that if one party has bad habits such as gambling and drug addiction and persists in teaching, and the other party sues for divorce, the court shall make a judgment for divorce if mediation fails. Moreover, the husband's online loan is his personal debt, and the wife does not need to be responsible for repaying it.

Legal basis: Civil Code of the People's Republic of China

Article 1076:Where both husband and wife divorce voluntarily, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration authority.

The divorce agreement shall clearly state the parties' expression of intent to divorce voluntarily and the consensus on matters such as child support, property, and debt handling.

Article 1079:Where one of the husband and wife requests a divorce, the relevant organization may conduct mediation or directly initiate divorce proceedings in the people's court.

People's courts hearing divorce cases shall conduct mediation; If the relationship has indeed broken down and mediation fails, the divorce shall be granted.

In any of the following circumstances, if mediation fails, a divorce shall be granted:

1) bigamy or cohabitation with another person;

2) Committing domestic violence or abusing or abandoning family members;

3) Having bad habits such as gambling and drug addiction that they have repeatedly taught and not changing;

4) Separated for two years due to emotional discord;

5) Other circumstances that lead to the breakdown of the relationship between husband and wife.

Where one party is declared missing and the other party initiates divorce proceedings, the divorce shall be granted.

Where, after a people's court has ruled that divorce is not permitted, the parties have been separated for one year, and one party initiates divorce proceedings again, the divorce shall be granted.

First of all, you have to see when he owes the 400,000 yuan, what he owes it, if he has something unspeakable, then you can try to forgive him, if he takes more than 400,000 to squander, then it may not be worthy of your forgiveness.

If it is said that he owed so much debt before the marriage, I think there may be concealment and deception in this marriageIt's not immoral for you to divorce him, but if he uses the money to subsidize the family, then I think you should still share the burden with him, but you must scold him with your head and face.

After something happens, you first have to look at the family's financesIf the family's financial situation is good, especially if the family's situation is so good that the 400,000 yuan can be easily repaid, then I think you have to consider why he didn't tell you, and what did he do with more than 400,000 yuan? This matter is something you have to figure out first before deciding whether to divorce him or not.

If the family's financial situation is average, they may barely be able to spend this moneyYou have to think about it, first of all, what he is going to do with this money, and secondly, whether he wants to continue to live with himAfter clarifying these two questions, decide whether you should continue the marriage or divorce.

In addition to the above situation, there is also a situation that the family itself is in debt, and he owes more than 400,000 yuanI think at this time you should first ask if he has borrowed money in your nameOr go to an online bank to borrow, because sometimes he may inadvertently use your identity to borrow some money, then it will have a great impact on your future credit life, so you must figure out these things before the divorce, and then consider whether you are willing to face it with him, because now this situation is the family's debt.

Under normal circumstances, if you owe an online loan, you should pay the due price, if you say that you can use the money of the online loan to subsidize the family, in fact, there may be hardships, but it is still very excessive, and you have not achieved mutual trust with the husband and wife, if you take the online loan to do some illegal and criminal acts, especially to betray yourself with the money of the online loan, I think in this case you can basically file for divorce, because there is nothing to continue to entangle,There are many habits that you can't escape after sticking to them once.

So I suggest that before you think about whether to divorce, you first need to find out if he actually owes money in your name, and then you need to find out what he did with the money. In addition to clarifying these two points, you should consider whether you want to continue to live with him, follow your heart and don't have too many worries, and the entangled feelings will not be happy.

I've fallen into it for the second time, the first time my husband helped me pay it back, he told me not to touch it again, I don't know how the ghost dared to have a second time, I really damn it! Deserve! I really didn't have the courage to confess to him this time, he would definitely divorce me, I really regretted it, and I was under a lot of mental pressure.

Generally speaking, marital debts can only be borne jointly by husband and wife if they are judged to be joint debts.

Debts that are legally recognized as joint debts of husband and wife include: debts borne by joint signatures of both husband and wife or subsequent recognition by one of the husband and wife; Debts incurred by one of the spouses in his or her own name for the daily needs of the family during the marriage; The creditor can prove that the debt is used for the husband and wife's common life, joint production and business, or debts based on the common intention of the husband and wife.

Question: Because my husband often doesn't go to work, I borrowed some online loans.

How am I going to confess to him?

Answer, it is better for you to tell the other party directly, because this debt needs to be borne by both husband and wife, and then if you feel that the other party does not work, it will affect the life of the family, which causes you to borrow an online loan, you can also bring it up to the other party.

When you sign the contract at that time, if the other party has clearly informed or written the contract with terms such as annual interest in the contract, and you have signed it, it means that you agree to the content of the terms.

Because you have indeed received the money and signed the contract, although even if the other party sues the court, the court will not recognize the interest in excess of the state protection, but you still need to pay it back, and this is also a waste of your time and energy. So I suggest that if possible, try to negotiate with the other party to achieve a result that can be achieved by both parties.

If you negotiate, I recommend that you first calculate how much money you have repaid before, and then ask the other party how much annual interest rate was arranged when signing with you, and what is the situation of other service fees, etc., and then you will talk to the other party at 24% to see how much the other party can give in to what extent. In the end, we can talk about a mutually acceptable amount.

Let's take a look at it.

Didn't you discuss it with your husband when you borrowed an online loan? It depends on which is more important, wife or money, in the eyes of your husband, if your husband values the relationship between husband and wife more than money, then you don't have to worry. Admit your mistake in front of your husband, and then be coquettish, and your husband will pay it back for you.

I also owe 50,000 yuan, I owe it for more than two years, I am under great psychological pressure, I recently confessed to my husband, my husband didn't say a word, the first sentence is that you are having a hard time now. Keep repaying the loan. You should have told me earlier, I'll pay it back to you, he said that anything that can be solved with money is not a thing.

Although I usually have friction with my husband, at this time, I feel that my husband loves me very much. Happiness! ☺

Because I have been borrowing online loans, I didn't tell my husband, and in the end I couldn't hold back, so I confessed that I borrowed 100,000 yuan online, although my husband said a few words to me. But he said that even if he smashed the pot and sold iron, he would have to pay it back for me, he really loved me, and he saw that he was under a lot of pressure and couldn't sleep well, but it was good to confess, at least there was no need to be afraid, my parents-in-law and mother-in-law were trying to find a way, and my sister-in-law was also thinking about me, although I did something wrong this time, but the family will still help you. It is better to confess and do not hesitate.

Husbands and wives have blessings and hardships, and debts should be directly told to their husbands. You are ready, your husband will definitely be angry and suspicious of you, and you have to tell your husband the reason for borrowing money truthfully. When necessary, white lies are the best policy.

I'm worse than you and I'm ready for a divorce, but be sure to confess to your family and try to get them to forgive you.

If you are messy and owe a bunch, it must be troublesome, an online loan or a lot.

I owe more than 10,000 yuan and now my work is overdue, and my husband still doesn't know, how to tell him.

Did you say it? I'm so struggling right now that I don't know what to say.

I'm also a biological experience, and I haven't told my husband that I'm so scared.

Hey, I also owe 50,000 yuan, I just got married, I got pregnant and didn't have a job, I can't pay back the installment, I don't know to talk to him.

We bought a house and had a second child and owed hundreds of thousands, during the epidemic, my husband didn't have a job, I couldn't afford to eat, my husband said I really wanted to jump downstairs, I had no choice but to borrow Huabei to borrow a micro loan to play public welfare lottery, who knew that I lost, I owed seventy or eighty thousand, I wanted to die, but the child was still too young, and I couldn't bear to have no one to take the child without a job, and I couldn't afford to go on,. What to do?

can be divorced" legal analysis: freedom of marriage, divorce is possible. The law stipulates that if one party has bad habits such as gambling and drug addiction and persists in teaching, and the other party sues for divorce, the court shall decide on divorce if the mediation is ineffective.

Moreover, the husband's online loan is his personal debt, and his wife does not need Yunchang to be responsible for repaying it. ”