Every day is the repayment day and debt collection day. Who can work hard and live a stable life? With so many debts and so many debt collection messages, does it feel that there is no hope in life? What can I do if I can't get online loans?
1) According to the serious consequences of overdue payment, it should be paid off in turn.
First of all, we must repay the money owed to the bank: credit card debt, bank loans, etc. the bank loan process is very standard. If the amount is large and the time is long, it is likely to be sued. Secondly, star products of regular online loans, such as ant loan, Jingdong gold bar, Tencent micro loan, and so on, have a unified process. The possibility of malicious overdue prosecution is second only to bank loans. The last is the irregular online loans with high interest, beheading interest and illegal collection.
2) Pay off one by one, not one by one.
If everyone pays back the money, even the interest may not be enough, it will never be able to go ashore. The right way is to concentrate on paying off one company and then consider the next one. Moreover, this design of repayment plan is also conducive to negotiating with one of the online loan companies to reduce principal and interest.
3) The interest only needs to repay the principal and the 36% annual interest rate.
7 days and 15 days of anti-aircraft gun holes are basically illegal usury! In the face of usury, the other side let you pay how much, you must not be honest. According to state regulations, the upper limit of annual interest rate of private lending is 36%. So, don't pay any more!
4) Set your mind right and don't give up.
Ashore brother often receives some negative energy messages from old brother:
Of course, I understand your sufferings, but blindly falling into that hopeless state of mind is doomed to be of no help in solving the immediate difficulties. "Can't hold on" and "want to give up" should not be said.
In fact, as long as the first three points are achieved, it seems that there will not be too much left after the huge debt is removed from the excessive interest. After the repayment sequence and plan are made, we can work with ease. In the end, you'll find that getting ashore is not as difficult as you think.