I owe more than 500,000 yuan to banks and online loans, and I can t repay my part time job income, w

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.

We should stay away from this, we knew it was so, why bother in the first place, I want to remind myself and you here that no matter how hard and tired you are, you can belong, just no.

I can't touch the block, there are not a few people who have a good time playing this, I'm the same, addicted to this, there's nothing in the back, and it's too late! Only.

Even if I come back with Brother Qing (zhqokb) for a large part now, it is impossible to come back.

Summary. Dear, I have seen the problem you consulted, online loans do not repay, first of all, all kinds of collection methods do not stop: once you are overdue, you will receive a reminder from the online loan, the content is roughly that you have overdue and pay off as soon as possible, at this time, if you continue to let it go, you will receive a large number of **, SMS collection, more than 20 days, will send a lawyer's letter to the borrower, and file a lawsuit; Overdue records for more than one month will be published on the platform of Lending.com.

2. High overdue fees make you collapse: Basically, as long as the loan is overdue, you will be penalized with interest, which will increase with the overdue time Interest rate and penalty interest will not be short**, just like a snowball is getting bigger and bigger, when you have to repay, the loan amount + interest + overdue management fee * time = final repayment amount will shock you.

3. Leave bad discipline in credit reporting: The online loan platform is also connected to the credit information system, so once the serious bad credit record is overdue, it will be uploaded to the credit information system, and even affect your future purchase of a car and a house. It is recommended that you return it as soon as possible.

If it's serious, you'll go to jail. so as not to cause unnecessary consequences. Hope mine is helpful to you.

I owe 500,000 to online loans and loan companies. What happens now that there is nothing that can be done to pay it back.

Dear, I have seen the problem you consulted, online loans do not repay, first of all, all kinds of collection methods do not stop: once you are overdue, you will receive a reminder of the online loan to you, the content is roughly that you have overdue to pay off as soon as possible, at this time you continue to let it go, you will receive a large number of **, SMS collection, super lead Song buried for 20 days, will send a lawyer's letter to the borrower, and file a lawsuit; Overdue records for more than one month will be published on the platform of Lending.com. 2. High overdue fees make you collapse:

Basically, as long as the loan is overdue, you will be penalized interest, this as a penalty will increase with the overdue time interest rate and penalty interest will not be short**, just like a snowball is getting bigger and bigger, when you have to repay, the loan amount + interest + overdue management fee * time = final repayment amount, will make you shocked. 3. Leave bad discipline in credit reporting: The online loan platform is also connected to the credit information system, so once the serious bad credit record is overdue, it will be uploaded to the credit information system, and even buy a car and a house after the shadow of the acacia ant rings to you.

It is recommended that you return it as soon as possible. If it's serious, you'll go to jail. so as not to cause unnecessary consequences.

I hope mine is of help to you, Sakura. 

If you owe it to the loan company, it will also be collected. And will sue you.

What to do if you can't afford to pay it back.

Just divorced, leaving the house with no income.

Nothing.

Either I borrowed it from my family and took out an online loan, not like a credit card, or I waited for a negotiated settlement after being sued, but there was really nowhere to borrow.

Then you can only take the initiative to negotiate, reduce the interest, and then find a job and repay the loan slowly. In the end, all they want is money.

1. High penalty interest.

If the borrower repays the loan on time, it only needs to repay the principal and interest normally, and once the borrower defaults, the borrower needs to pay the corresponding liquidated damages or penalty interest in accordance with the contract.

Second, it leads to lawsuits.

If the borrower fails to repay the money, the lender can file a lawsuit with the court, and if the borrower loses the lawsuit, not only will the assets be auctioned off at a low price to repay the debt, but also need to bear the costs of litigation and attorney's fees (the bearing of attorney's fees needs to be agreed in the contract and some other conditions need to be met), and these additional burdens are the cost of the borrower's default. If the borrower refuses to repay, he may also be recorded in the blacklist of the person subject to enforcement, and generally on the blacklist of the person subject to enforcement, then many things will be restricted.

Thirdly, the individual's family and life are affected.

Once the borrower does not repay the money. Hitting **, issuing collection notices, door-to-door collection, prosecution, etc. will follow, and then the lending institution will not only collect the borrower himself, but also may contact the borrower's relatives and friends, which will affect not only the borrower himself, but also the family, relatives and friends will be affected.

Fourth, personal credit reporting is affected.

Now that many lending institutions have been connected to the People's Bank of China credit system, borrowers who do not repay will soon be uploaded to the central bank credit system, so it will be difficult to borrow through other lending institutions.

It is important to know that the time of bad credit record is five years, and the bad record can only be eliminated by paying off the loan within five years, which means that once the borrower does not repay the money, it will be difficult to get a loan or apply for a credit card in the next five years.

If the loan owed to the online finance company is unable to be repaid, it can negotiate with the creditor to repay the loan in installments, and if the other party asks for too high interest, it can be repaid in accordance with the court judgment through the court judgment.

According to Article 84 of the General Principles of the Civil Law of the People's Republic of China, a debt is a specific relationship of rights and obligations between the parties in accordance with the agreement of the contract or in accordance with the provisions of the law, and the person who enjoys the rights is the creditor and the person who bears the obligations is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or in accordance with the provisions of the law.

Article 108 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.

Online loans are fine, if the loan company is a loan shark, you will be in trouble.

There are two kinds of bai, one is to work slowly with peace of mind, and the other is to return it in a special way.

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.

Forty thousand. Credit cards are available.

The loan must meet its conditions before it can be loaned.

Loan Application Criteria:

1. To have a fixed income, you need to see the salary details;

2. Be at least 18 65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan Application Materials:

1. Lender's ID card;

2. The lender's credit information in the past six months, and the credit information is good;

3. The bank card flow in the name of the lender for nearly half a year has not been interrupted;

4. Proof of the borrower's residence permit (rental contract, real estate certificate, water, electricity, and gas invoices for the past three months);

5. Income certificate issued by the lender's employer;

6. Social security, insurance policy, and provident fund monthly payment can also be loaned.

If you want to borrow a higher amount, you can take out a mortgage, such as a house, car, etc.

No one has tried this, and no one who has tried it is gone. Theoretically not.

Find a way to pay it back, otherwise it will get bigger and bigger.