With a monthly income of 3,000 and a debt of millions, how can I afford to repay this money?

All the paths of talent in the trough are all to growth, and if you don't stimulate your potential, you never know how successful you are.

With a monthly income of 3,000 and a debt of millions, only by working a few more jobs or starting a business can you afford to pay back this money.

You have to win the lottery one day or start your own business and earn a lot of money to be able to pay it back.

The imbalance between income and debt makes it difficult to repay the loan, so you can choose to make up the hole slowly in a planned way or ask for help from loved ones.

I think the amount of debt is no longer comparable to my salary, and it is really difficult to pay back this money, so I should work harder.

First of all, he must have a sense of repayment and stop spending money indiscriminately. Then he should be diligent and do some side hustle or something.

Either borrow money from a friend to pay it off all at once and then pay back the friend's money slowly, or repay it according to the repayment plan and never touch it again.

1. If you are temporarily unable to repay your debts, you can negotiate with creditors to repay in installments, postpone repayment or reduce debts.

2. If the other party does not agree to extend or reduce the debt, and wants to sue the debtor, then after the lawsuit, it is necessary to actively respond to the lawsuit and strive to achieve the purpose of repayment in installments or repayment on time in court! 3. If the other party does not agree to extend or reduce the debt, the court will not support it and will repay all the debts within a time limit. If the creditor is able to repay but refuses to pay, the creditor may apply for enforcement.

4. If the debtor really has no money to repay, even if the other party wins the lawsuit, the court enforcer knows that you cannot enforce without money. Only if you have the money and refuse to return it, the court can arrest someone.

Legal basis] Article 678 of the Civil Code: The borrower may apply to the lender for an extension of the loan period before the expiration of the repayment period; If the lender agrees, it can be extended.

2. What should I do if I can't afford to repay the money I owe?

1. Ask for help from relatives and friends.

If you are indeed very anxious, you can find relatives and friends to repay, wait for the funds to turn back and then return the money to relatives and friends, however, if the amount is relatively large, it is estimated that borrowing from relatives and friends will not be able to fill this gap, however, generally speaking, the amount of installment payment is not too large, therefore, in general, this method is still possible.

2. Apply for extension.

If the personal loan is unable to be repaid, first of all, communicate with the bank's credit manager, and explain the reason, must be sincere, then the credit manager may be lenient for a period of time, however, this is not a long-term solution, if the maturity or can not repay the blind money, it will be regarded as default, credit records will also be stained. However, according to the bank's regulations, as long as the overdue period does not exceed three consecutive months within two years, and the cumulative overdue is less than six times, then there will be no negative impact on the loan. Therefore, you should grasp the time to apply for an extension, as long as the applicant's repayment record is good and there is a reason for the incident, you can apply to the bank for the extension.

However, some banks do not allow it, so you should check with the bank in advance.

3. Use credit cards to repay empty money.

Generally speaking, the credit card money repayment loan installment is also sufficient, and if the borrower's funds cannot be turned over, then the credit card can be borrowed to repay.

Citizens who owe money and are really unable to repay it can be repaid in three ways. The first is to ask for help from relatives and friends, and if the situation is really urgent, you can borrow money from relatives and friends. The second is to apply for an extension, which needs to be communicated with the bank and explain the reason to apply for an extension to the bank.

Finally, you can use the installment repayment function of the credit card to repay the loan.

Summary. There are two questions here, first, what kind of enterprise is your factory; Second, what is the amount of money being sued now.

I owe too much debt, more than three million, what should I do if I can't pay it back, there are two questions here, first, what kind of enterprise is your factory; Second, what is the amount of money being sued now.

The factory is responsible for ****, and the largest amount of prosecution is 500,000, and the others are 10 tens of thousands, tens of thousands. 500,000 was borrowed by a friend.

In the case of a limited liability company, the debts owed in the name of the factory due to the operation of the factory should be borne by the amount of capital contribution subscribed by you at the time of registration.

If it is a private loan in your own name, there is definitely no way to directly escape the debt, but it can be negotiated.

What should I do if I can't negotiate? I also don't have any money to give him, and he sues me and I can't pay it back, will I be blacklisted.

If the other party enters the enforcement stage after filing a lawsuit, it is possible to become a judgment defaulter.

What are the consequences of becoming a judgment defaulter? For families, will it show up in the business check.

If the searcher enters your name and ID number, it can be queried.

It will have a certain impact on children's enrollment and employment.

You can explain the amount listed on the IOU and what it means to be collected, and I can give you some legal advice.

If you still need help, you can follow me.

The state protects the normal lending relationship, and if the debtor is unable to repay the loan but can repay it in installments, and has the ability to repay and refuses to repay, the people's court shall make a judgment to compel repayment.

Legal basis: Article 90 of the General Principles of the Civil Law A lawful lending relationship is protected by 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.

Don't work part-time, do your own work, it is not a problem to earn 100,000 or 80,000 yuan a year, and it will be solved in one year. Seventy thousand is not much, of course it is still a bit much for the poor.

Your priority now is to pay back the money on your credit card.

I'll teach you a trick. Borrow money to pay back the credit card money first, and then find a POS machine that can swipe out the money to brush the money, and then repay the borrowed money. In this way, the credit of the credit card is also available, and the credit of the place where you borrowed money is also available. It's due next month, so keep it that way.

Then consider your own strengths and be an individual. In these years, as long as you have hard work and a little cleverness, there are many projects that earn more than 100,000 yuan a year.

Don't be discouraged, there are not a few people who have made a comeback in history, and if they are stuck in progress now because of this difficulty, they will take a detour in the future. Many rich people are self-made, no one borrows money from them, they can only accept bank loans, and survive in the face of huge survival pressure. And if you don't have the motivation to work, don't work, don't get married, now the pressure of any house slave is several times greater than you, although some house slaves have a good economic income, but they have to repay a 7-figure loan, not just 70,000, it's 2014, 70,000 is really nothing, as long as you still have a dream, there is a future.

It is recommended that you change the credit card loan first and then repay the loan of your relatives and friends. It's up to you whether you want to open it or not!

Legal analysis: If you owe 10 million yuan, you need to repay it on time, and if you can't pay it back, you can negotiate with the creditor to postpone the repayment or apply for a loan from the bank. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

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

Article 675: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: Where a borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the State.

Article 678 The borrower may apply to the lender for a quiet extension of the loan period before the expiration of the repayment period; If the lender agrees, it can be extended.

If the party owes 10 million yuan, it needs to be repaid in a timely manner according to the loan agreement. Those who refuse to repay the loan, and have a bad attitude, will usually be sued by the bank, and the bank can also apply for enforcement after winning the lawsuit. If the court convicts that it is a vicious loan and may be suspected of fraud, it will be sentenced to prison, which generally starts at more than three years in prison.

Legal basisArticle 577 of the Civil Code.

If one of the parties fails to perform its contractual obligations or the performance of its contractual obligations does not conform to the agreement, it shall bear the liability for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 266 of the Criminal Law.

where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions.

If you owe a debt of 3,005 and cannot afford to pay it back, you also need to bear the obligation to continue to repay.

Article 107 of the Contract Law Where one of the parties fails to perform its contractual obligations or the performance of its contractual obligations does not conform to the agreement, it shall bear the liability for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 109:Where one of the parties fails to pay the price or remuneration, the other party may require it to pay the price or remuneration.

can owe a debt of up to 30 million, not an ordinary person, and the asset estimate is almost this amount, whether it is owed to the bank or to the individual; People at this level, the mind and ideas are not comparable to ordinary people, I can't help you, it is recommended to find people whose asset grade is equivalent to or higher than you (the person who owes the debt, may not be you), ask them, here is estimated not to be your satisfactory answer.

Running away...If you don't want to run, go to the court and file for bankruptcy!

It doesn't matter if it's a bank! If you owe usury, you will be in trouble, and your family may be implicated.