The family conditions are not very good, I still owe a lot of debts, and my salary is not enough to

For many young people, the most painful thing today is debt. Whether it is to buy a house, a car, or a bride price for marriage, etc., young people can only borrow money from others to achieve it without sufficient savings, so they enter a situation of daily pain in order to pay off their debts. So today, let's see what should we do if the conditions at home are not very good, I still owe a lot of debts, and my salary is not enough to pay back?

1.Slowly develop a good consumption habit.

Trust that your personal debt will be resolved slowly. It is a long-term accumulation process, and a person's habits are not easy to develop. But if you spend less money and don't spend it through the changes and efforts you make now, then you can repay more of the money you saved and slowly adapt to such a lifestyle change.

I believe that one day you will be able to pay off your personal debts and save some of the remaining money for investment. This is something we need to change and do. Everyone may have some personal debts, but as long as it is within their control, there is no problem.

But if it's out of control, try to sort out their debts.

2.Maintain a positive and optimistic attitude.

The mindset after debt is actually the most important thing. If you can't adjust your mentality, your daily life will be miserable. As the saying goes, even if the house leaks, it will rain all night.

If you don't face it positively, your life will only get worse. So, no matter what happens in life, we have to face it positively. There is always hope in life, and there is always sunshine after the storm.

3.Be honest with your family.

Whether you are a young entrepreneur or a girl, an adult uncle with a family, a housewife, etc. No matter what reason you are in debt, you must choose to confess to your family. Some people will suspect that they don't have the money to help me pay it back.

What's the point of worrying about one person more? In fact, I believe that this is not the same as a person's feeling about family commitment, a person's own commitment is not only overwhelmed by debt, but also tries to hide the family for fear of revealing the truth. Over time, the spirit may break down.

I think everyone should choose their own consumption method according to their own income, and if your family conditions are not good, your job is generally not overspending.

You can choose to open a credit card, take out a loan from a bank, or borrow money from someone else to get another job.

Legal analysis: If the salary is not enough to repay the debt, you can negotiate with the creditor to repay the loan in installments or deferred repayment. When the salary is not enough to repay the debt, first of all, you can negotiate with the creditor in a sincere manner, and if you reach an agreement, you can agree to repay the loan in installments or extend the repayment period.

If the negotiation fails, a lawsuit can be filed with the court. The court will make a judgment based on the specific property situation of the debtor and the request of the creditor.

Legal basis: The parties must perform on legally effective civil judgments and rulings under Article 236 of the Civil Procedure Law of the People's Republic of China. If one party refuses to perform, the other party may apply to the people's court for enforcement, or the adjudicator may move the bridge and send the executor for enforcement.

The parties must perform the mediation document and other legal documents that shall be enforced by the people's courts. If one party refuses to perform, the other party may apply to the people's court for enforcement. Article 241:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, they shall report on their current and property situation in the year prior to receiving the enforcement notice.

Where the person subject to enforcement refuses to report or makes a false report, the people's court may fine or detain the person subject to enforcement or his legally-designated person, the principal responsible person of the relevant unit, or the directly responsible personnel on the basis of the severity of the circumstances. Article 242:Where the person subject to enforcement fails to perform the obligations set forth in the legal document in accordance with the enforcement notice, the people's court has the right to inquire about the property of the person subject to enforcement, such as deposits, bonds, **, and **shares, from the relevant units. The people's courts have the right to seize, freeze, transfer, or sell the property of the person subject to enforcement according to different circumstances.

People's courts must not inquire about, seize, freeze, transfer, or sell property beyond the scope of the obligations that the person subject to enforcement shall perform. When a people's court decides to seize, freeze, or transfer assets that have been converted into a private stove, it shall make a ruling and issue a notice of assistance in enforcement, and the relevant units must handle it. Article 243:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, the people's court has the right to withhold and withdraw the portion of the income that the person subject to enforcement shall perform on the obligation.

However, the necessary living expenses of the person subject to enforcement and the family members he or she supports shall be retained. When a people's court withholds or withdraws income, it shall make a ruling and issue a notice of assistance in enforcement, which must be handled by the unit to which the person subject to enforcement, banks, credit cooperatives, and other units with savings operations belong. Article 244:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, the people's court has the right to seal, seize, freeze, auction, or sell the part of the property that the person subject to enforcement shall perform the obligations of.

However, the necessities of life for the person subject to enforcement and the family members they support shall be retained.

The people's court shall make a ruling on the adoption of the measures in the preceding paragraph.

Owed a lot of money? How much is it? I also did business, lost 230,000 yuan, lost all the houses, and owed 100,000 yuan.

But I believe that as long as people live and are willing to work hard, there is still hope for everything! At present, I have almost paid off the money I owe, I have bought a car, and I am going to buy a house next.

It is natural to repay debts, and you should have thought of today when you borrowed money in the first place.

It is under the jurisdiction of Shaanxi curtains, candles, candles, and candles.

There is no good way but to persevere. After all, you have to pay.

You should do what you can in your financial situation and not make trouble for yourself.

After the debtor owes the money, it needs to fulfill the repayment obligation in accordance with the contract. If you really can't afford to repay, you can directly negotiate with the creditor about repayment, and strive to reduce the interest or repay the loan in installments. 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 6 of the Civil Code provides that civil entities engaged in civil activities shall follow the principle of fairness and reasonably determine the rights and obligations of all parties.

Legal analysis: After the debtor owes money, it needs to fulfill the repayment obligation in accordance with the contract. If you really don't have the ability to repay, you can directly negotiate with the creditor about repayment, and strive to reduce the interest or repay the loan in installments.

If one of the parties fails to perform its contractual obligations or quarrels with the performance of its contractual obligations in accordance with the agreement, it shall bear the liability for breach of contract such as continued performance, remedial measures or compensation for losses.