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First, borrow and repay.
Borrowing debt is also a reason for yourself to get out of the predicament; So, when you are in difficulty, you have the courage to reach out and borrow, why do you lose the courage when it comes to repaying the money? All should be brave to face the reality, and do not let the help of others become a whip that urges life. Other people's money is also exchanged for their own sweat and hard work, even if they can't pay it back now, they can't fall down for this reason, for their own lives, for more responsibilities, continue to work hard!
If you pay it off, you won't have so much sorrow, and there will be a lot of good life waiting for you later.
Second, what kind of person do you want to be?
Life is not easy, but you should let yourself live a strong life, be an upright person, as long as you are doing the right thing, do not break the law, do not do bad things, work hard, earn money with your ability, pay off your debts as quickly as possible, and enjoy the elegance of life.
Third, the bottom line of being a man.
Debt is not a shameful thing, as long as you abide by the bottom line of life, be honest with each other, face up to the debt problem, humbly reconcile the contradictions with creditors, gain time to struggle, and increase the speed of repayment.
Fourth, for the sake of the family.
For the sake of the family, for the sake of innocent children, do not give up any entrepreneurial opportunities, strive to maximize entrepreneurial efforts, and improve the chances of repayment.
In short, it is not worth it or advisable to spend a lifetime shackling to debts, only to quickly clear debts, gain personal freedom, and start life again.
At this time, you can actually take the initiative to negotiate with the bank to repay, and you can negotiate the repayment by negotiating repayment, or let the bank stop the interest and hang the account, and implement a personalized installment plan. Of course, sometimes it may not be successful to negotiate by yourself, if you have a fixed income and economic conditions allow, you can entrust a professional agency to negotiate, after all, professional people, do professional things, this method can completely avoid prosecution and collection, but the premise is that you negotiate and repay normally.
The best way to overdue a credit card is definitely not to escape, on the contrary, you should actively deal with it, even if you can't repay on time due to your own financial situation, you should find a way to solve the problem as soon as possible.
I am a "Sincere Watchman", focusing on the actual cases of credit card overdue, interest-free installment, and personalized installment.
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Are people who are in debt going to be on the road to repayment for the rest of their lives? It's very simple.
One, depending on how quickly you repay, pay it off early and get rid of it sooner.
Second, depending on your repayment attitude, you must be honest and abide by the bottom line.
Third, it depends on your determination to repay the loan, have confidence, determination, and perseverance, so that you can pay it off as soon as possible.
In any case, one thing is certain, that is, you owe money to others, and other people's money is not flooded, but also other people's hard-earned money, and you can't help but pay it back.
If you are in debt, don't expect the years to be quiet, you must move forward with a heavy load, and there is no reason to justify.
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Yes, although the debtor is dead, the debt still exists and does not disappear. The debtor's heirs will pay it off with the proceeds.
Article 1159 of the Civil Code of the People's Republic of China divides the estate, and the taxes and debts that the decedent shall pay in accordance with the law; However, the necessary inheritance should be reserved for the heirs who lack the ability to work and do not have a livelihood. Article 1161:The heirs shall pay off the taxes and debts that the decedent shall pay in accordance with law to the extent of the actual value of the inheritance. The part exceeding the actual value of the estate shall not be subject to voluntary repayment by the heirs.
If the heir renounces the inheritance, he may not be liable for the taxes and debts that the decedent should pay in accordance with the law.
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Legal Analysis: Yes, although the debtor is dead, the debt still exists and has not disappeared. The debtor's heirs will pay it off with the proceeds.
Legal basis: Civil Code of the People's Republic of China
Article 1159:When dividing an estate, the taxes and debts that the decedent shall pay in accordance with law shall be paid off; However, the necessary inheritance should be reserved for the heirs who lack the ability to work and do not have a livelihood.
Article 1161 The surviving grandchildren of the heirs shall pay off the taxes and debts that the deceased shall pay in accordance with the law to the extent of the actual value of the inheritance. The part exceeding the actual value of the estate shall not be subject to voluntary repayment by the heirs.
If the heir renounces the inheritance, he may not be liable for the taxes and debts that the decedent shall pay in accordance with the law.
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Legal Analysis: Temporary insolvency can be repaid by the debtor in installments. If it is permanently unable to repay, the debtor's existing personal property can only be repaid, and after the court hears and makes a judgment, the creditor will take as much as the debtor's personal property can be enforced.
Legal basis: "Criminal Law of the People's Republic of China" Article 313:Where a people's court's judgment or ruling is capable of being enforced but refuses to do so, and the circumstances are serious, a sentence of up to three years imprisonment, short-term detention, or a fine is to be given; where the circumstances are especially serious, the sentence is between three and seven years imprisonment and a concurrent fine.
Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the preceding paragraph.
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