One word: endure
People can survive, especially when you are in debt. At this time, you need to survive. If you can endure it, you may turn over. If you can't endure it, your situation may get worse and worse, and you may even collapse.
Chicken soup can't be cooked until it smells good, and people can't be cooked until it tastes good. You can enjoy the most sweet only after suffering the most; You can enjoy leisure only when you are tired. When you are in debt, you should be more able to endure and carry it, otherwise, you may really get down.
Go ahead. It's not a matter of a day or two to pay off the debt. Get ready to go ahead and try to make money. One year is not clear, two years is not clear, ten years is not clear, then use a lifetime to pay back! Since you are alive, you should be responsible for what you have done in the end. If you survive, you will win. Believe in yourself!
Another word: steady
People are prone to problems when they are in a hurry. Only by first stabilizing their mind, calming down, and adjusting their mind, can they calm down and deal with problems rationally. Debt is a big problem. You must seek stability. Life can't stand too much of this trouble. You should solve this problem on the premise of seeking stability. You can't be a dead horse doctor.
There are four ways to get out of the dilemma:
1. Stop loss in time; It is not terrible to be in debt. What is terrible is that you are still falling and making mistakes. Only when you know how to stop loss in time can you stop the situation from getting worse, and then try to change your situation.
2. Seeking progress while maintaining stability; Don't think of paying off the debt all at once. It's unrealistic. You should be mentally prepared. If you can't do it for one year, it will be two years. If you can't do it for two years, it will be five years. As long as you don't give up, you will always pay off.
3. Make a group of friends; In the current economic situation, it is a matter of one person to earn a small amount of money. If you want to make a big fortune, that is to fight in groups. If you are still a single sneak attack, how can you succeed.
At the beginning of the reform and opening up period, you could succeed if you were bolder and faster. Now you can't do anything that can earn a lot of money. Now you need to help, form a team, and have a common vision, so that everyone can work together to achieve it.
4. Select a direction; As a person who is heavily in debt, no matter how difficult you are, no matter how much you are in debt, you should be clear headed and clear about your direction, so that you can break through. That is to say, it is a very critical link to determine the direction of your efforts according to your interests and advantages, in combination with your personal relationships and social circles.
With a debt of 300000 yuan, if you want to get out of the predicament, it is suggested to start from the following aspects:
1. Prepare in advance
It is suggested that the borrower can investigate all the online loans he owes. He must know the real situation of the online loans, such as whether he will go to the credit bureau, explode the address book, and call home for collection. He should have a detailed understanding of the company and browse the experience of other netizens.
2. Detailed calculation of principal and interest rate
The annual interest rate of the loan shall not exceed 36%. Many online loans will play a marginal role and deduct from the principal in the name of membership fees, credit investigation fees, service fees, etc., and the calculation of liquidated damages is illegal. The borrower can calculate the annual interest rate of the loan. If it exceeds the national regulations, it can negotiate a reduction or exemption.
3. Increase repayment channels
It is suggested that the borrower can find a way to increase the repayment channels and do sideline work at the same time. If your income is medium, and the calculation shows that it will take more than 10 years to pay off debts by salary alone. At this time, you should realize that you can't just work to pay off your debts. You must do some sidelines to increase your income.
If you accidentally encounter some loan platforms with higher interest rates, the borrower can find ways to complain. You can collect collection records, online loan agreements, repayment records, transfer records, etc., and prepare to complain through relevant channels.
