Overdue, perhaps many debtors are about to face this dilemma, or hovering on the edge. I don't want my family to know about it, and I can't afford to earn more. So many people can't turn over, generally will be used to loan maintenance loan the most convenient way to deal with, I mentioned in the early article a variety of "temporary solutions" brought about by the snowball of funds to get bigger and bigger, so I won't explain too much, today let's talk about the upcoming problem, how to prepare to solve it:
1. Communication and negotiation: During the epidemic stage, many debtors could not afford to pay back, and there was policy guidance from banks that could be extended loosely. After the epidemic, in fact, there are many banks and financial institutions that have treatment plans for different groups of people, so according to their own situation and income, honestly express their predicament with them, and indicate their willingness to repay to see if they can give policy support. (e.g. installment restructuring, deferred repayment)
2. Overdue: After many efforts, the customer's communication is invalid and some institutional policies cannot be supported, then there will inevitably be a result - overdue, and then "collection", collection is also supported by corresponding laws and regulations, "Internet Finance Overdue Debt Collection Self-Discipline Convention (Trial)", "China Banking Association Credit Card Collection Work Guidelines (Trial)", "Notice of the General Office of the China Banking and Insurance Regulatory Commission on Printing and Distributing the Measures for the Supervision of Information Technology Outsourcing Risk of Banking and Insurance Institutions" and so on. Many institutions implement standards for collection, keep recordings when communicating, and report to the relevant departments once the other party has violations.
3. Reasonable repayment: This will be discussed in a separate issue later, what is unreasonable? In fact, it is mainly due to some violations of laws and regulations by some financial institutions that lead to an increase in the return of interest, and this part of the money should not be repaid.
4, make money: making money is not as simple as words, more to understand what resources and skills you have, whether you can position yourself and then choose the right direction, if there is no very suitable job then first, after all, life to continue, expenditure is also a must. Of course, saving money and saving is also making money, unnecessary expenses can save it, the pursuit of brand has also changed to practicality-based, the comparison is endless, and the frustration after debt is far more uncomfortable than the decline of vanity.
5. Help: This matter is more complicated, such as postponing payment, installment repayment, and... Wait, not only involves some cognitive problems, but also trust problems, there are some local people can find some professional people to understand, ask a few more to compare and understand its feasibility.
When the debt cannot be repaid, it is actually more difficult to save oneself, and the methods are relatively limited, so it must be recommended to plan the methods and methods in advance before reaching the final stage, and find problems to solve problems, because at this time face and silence have no meaning.
#Liabilities##负债人的上岸路#