What do you do when you owe a debt that you can t pay it back for the rest of your life?

My debts, without eating, drinking, and with interest not rising, will take ten years to pay off, which should be no different from what you said you said that you can't pay off in a lifetime. My debt situation, I have listed it in detail in other Q&A, and interested friends can look through it. Now, I owe a total of 900,000 yuan, all of which are overdue, and there are eight, and my current salary situation is 4,500 yuan per month, plus the bonus at the end of the year, the annual income is close to 100,000, and I have to find a way to pay off the private loan first 900,000 arrears of 100,000 income, without eating, drinking, and without rising interest, it will take nine years.

If I consider the cost of living and the interest situation, is it still possible for me to turn over? I think whoever faces this situation will be pessimistic. There is no longer road than the foot, there is no higher mountain than the person to treat the debt, on the basis of adhering to realism, we might as well have a little more romantic feelings, look a little higher, see a little farther!

Second, after my thoughts and practices were overdue, I experienced three or four months of torment, and my emotions gradually calmed down, my thoughts gradually became clearer, and my practices gradually became clearer. My current ideological dynamics, methods and measures are as follows: First, adjust the mentality and block the collection. I have 15 online loans, many of which are powerful collection platforms like Zhaolian Hengchang.

After the deadline, the collection ** can be imagined. At first I will answer them one by one. Later, I simply didn't take it.

Because he was penniless and had no money to pay back, it was useless to take it. The second is to face reality and strengthen confidence. The reality of being in debt can lead to the idea of escape.

However, in my own life, I can escape to the best of the best, and the third is to tap the potential and work hard to make money. If you want to pay off your debts, you have to work hard to earn money. The journey of repaying debts is very difficult and bumpy, like a rolling stone up a mountain, with many obstacles.

However, this period is the best time to experience yourself. People are forced out, and if you don't face a dilemma, you may never know how much potential you can have. Fourth, don't ignore the joy of life.

If your life is only about earning money and paying it back, then it will be difficult for you to last long. Because a life of poverty and misery is the most exhausting of people's will. You need to look for it as you work on it.

To live, a person must have a spirit and spirit, and the same is true for paying debts. If you don't believe in yourself, then how can you complete such a difficult task of going ashore, and the belief in going ashore supports all your actions on the shore, so that you will not waver or be defeated in the face of difficulties and setbacks. Water drops wear stones, ropes and saws are broken to repay debts, and I want to look at it with a long-term vision of development.

It is true that this dilemma cannot be solved with the current situation and the current income. However, like the ropes of water droplets, who believes that they can cut through stones and trees? Just because you don't have the ability today doesn't mean you won't have the ability tomorrow.

Just because you don't have the ability tomorrow doesn't mean you won't be able to do it forever. Savor the joy of life so that there is lasting motivation. For example, the joy of struggle, the joy of harvesting, the joy of accompanying children, and so on.

Generally, only emotional debts can never be repaid, and there are life debts, and other debts can be repaid, unless you are unwilling to pay them.

I'm going to keep a good mindset. Because it has already happened, and no matter what happens, it can't be paid off.

1.First distinguish which are legal debts, which are illegal debts, which are illegal debts, not all debts must be legal, then in the past few years until now, many online loans are illegal debts, at this time, first of all, for illegal debts to report and fight, in fact, there are three categories, legal debts to be returned, illegal debts to be repaid in compliance, illegal debts to be reported to temporarily not be repaid 2Negotiate with creditors and do a good job in debt restructuring, which is mainly for the follow-up arrangement of the repayment plan, followed by the restructuring arrangement for the calculation of principal and interest, it is possible to stop the rolling interest, and it is possible to reduce the future interest by half or exempt it, in fact, whether the other party is a bank or other financial institutions or private loans, everyone can communicate and negotiate on an equal footing.

Legal analysis: If you can't repay the debt in a lifetime, it is a permanent inability to repay, and you can only pay off your own personal property, and you need to go through the court's trial and judgment before you can enforce it, and you can pay back the creditor as much as you want. If you are just too pessimistic, it is recommended to adjust your mentality, and if you can't repay it for the time being, you can apply to the creditor or the court to repay the loan in installments to reduce the pressure, and you must do your best to repay the debt.

Even if you really can't change it, you can't escape debts and responsibilities.

Legal basis: Article 257 of the Civil Procedure Law of the People's Republic of China In any of the following circumstances, the people's court shall rule to terminate enforcement: (1) the applicant withdraws the application; (2) The legal document on which enforcement is based has been revoked; (3) The citizen who is the person subject to enforcement dies, has no estate to enforce, and has no obligation; (4) The person with rights in a case of recourse for alimony, alimony, or child support is deceased; (5) The citizen who is the person subject to enforcement is unable to repay the loan due to difficulties in life, has no income**, and loses the ability to work; (6) Other circumstances where the people's court finds that enforcement should be terminated.

Article 108 of the Civil Code of the People's Republic of China Debts shall be paid off. 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.

Summary. First of all, there must be a plan to repay the money. The second is to make a plan to pay back the money. Then it's just a matter of working hard according to the plan to earn money and paying it back year by year.

What do you do when you owe a debt that you can't pay it back for the rest of your life?

First of all, there must be a plan to repay the money. The second is to make a plan to pay back the money. Then it's just a matter of working hard according to the plan to earn money and paying it back year by year.

Besides, I also have to reflect on myself, why do I have so much debt? If you are not greedy and not deceived, will you still have so many foreign debts?

Since you have a debt, you have to do everything possible to repay it, otherwise you will be a liar, so how can you be a big person? If you do something wrong, you have to mention it and take responsibility.

You can't ruin your appearance, because you don't work hard to live a life because you have debts. It is precisely because there is debt and pressure that we must turn pressure into motivation, as long as we work hard to earn money, there is no hurdle that cannot be overcome. Think about it, how much more can you owe?

Don't ruin the world and make excuses for your laziness.

It is time to face the reality and face life, and the money that should be repaid must be repaid. Don't try to shirk responsibility.

Be an honest and responsible man. This is the attitude of responsibility.

With this cranky time, why not work hard to earn money? Don't be whimsical anymore, or pick yourself up and work hard, and the search for this skin is the right way for you. There is no way out.

If this is just his own assumption, then he is too negative and pessimistic, and he can't think like this anymore. It's better to be positive and optimistic, spend all your energy on study and work, and make yourself full and busy, so that you won't be so empty and boring anymore. Instead of thinking nonsense, it is better to cheer up and work hard, be aggressive and work hard, and your life will become more and more broken.

Wanton change. Think about it, what is the point of such a meaningless idea? Let's do our own thing. Don't dream like this, or take the initiative to do your own Qi Fanlu work, this is better than anything else.

If you can't repay the debt in a lifetime, it is a permanent inability to repay, and you can only pay off all your personal property, and you need to go through the court's trial and judgment before you can enforce it, and you can pay back the creditor as much as you want. If you are just too sad, it is recommended to adjust your mentality, and if you can't repay it for the time being, you can apply to the creditor or the court to repay the debt in installments to reduce the pressure, and you must do your best to repay the debt. Even if you really can't change it, you can't escape debts and responsibilities.

Article 257 of the Civil Procedure Law of the People's Republic of China: In any of the following circumstances, the people's court rules to terminate enforcement: (1) the applicant withdraws the application; (2) The legal document on which enforcement is based has been revoked; (3) The citizen who is the person subject to enforcement dies, has no estate to enforce, and has no obligation; (4) The person with rights in a case of recourse for alimony, alimony, or child support is deceased; (5) The citizen who is the person subject to enforcement is unable to repay the loan due to difficulties in life, has no income**, and loses the ability to work; (6) Other circumstances where the people's court finds that enforcement should be terminated. Article 108 of the Civil Code of the People's Republic of China Debts shall be paid off.

If the debtor is temporarily unable to delay repayment, the debtor may repay the loan 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.