After the online loan is overdue, if you want to go ashore, you can refer to the following methods:
1. Liquidate debts: First of all, you need to liquidate your debts, understand the amount of total liabilities, which debts will be credited, and which debts are high interest rates that are not protected by law. For non-compliant debt with an annual interest rate of more than 36%, the excess is not protected by law.
2. Suspension of repayment: If the ability is not met, or the income does not meet the interest expense, the repayment can be suspended. This avoids the situation of sinking deeper and deeper, and avoiding geometric multipliers of debt.
3. Make a repayment plan: According to your actual situation, you can make an implementable repayment plan. It is necessary to make a reasonable landing plan based on the borrowing time of your lending platform, the amount of borrowing, and the collection methods encountered.
4. Increase your income: In addition to clearing your debt and making a repayment plan, you'll need to increase your own income. This could be getting a part-time job, or doing some other side hustle.
5. Ask for help: If you can't solve the problem yourself, you can seek professional help. For example, find a debt optimizer or lawyer who can provide more professional advice and help.
6. Learn financial literacy: Learning financial literacy can help you better manage your money and avoid falling into similar debt difficulties again.
These are some of the ways to get ashore, I hope it will help you. At the same time, care should also be taken to avoid blindly following the landing methods of others, as everyone's situation may be different.
