Step by step into the abyss

Remember is 14 years, see friends with credit cards, they also did a merchant, at that time only three thousand quota, do not know what was instilled in the idea of feeling that the quota is very cattle, listen to others and advertisements said that after consumption will rise in the amount of fast, start to consume after a variety of installments, indeed the quota has been rising, the more it rises, the more it is used, and then there is a second traffic, directly give me eighteen thousand quota, after consumption, customer service call is also recommended all kinds of installments can be less repayment can also give preferential treatment and the like, Later, I suddenly found that each period of repayment was more and more, at that time the salary was only three or four thousand per month, and I had to give my wife a part, and I didn't dare to tell her about the credit card, I could only pay back the credit card every month, and then give my wife, I may be afraid of my wife

One day found that someone swiped the credit card, learned about it, a little afraid to use, afraid of being found by the bank to malicious overdraft, others introduced that less to get a little bit of trouble, just use a friend's brush for the first time, with the first time more and more bold! During the traffic customer service call also said to let the installment, but also said that I have the suspicion of swiping the card, meaning that as long as the installment does not matter, now think about it is all routine!

Later, the income exceeded 10,000, and slowly it was almost over, but the body had problems, went home to rest for two months, these two months did not earn, and the amount on the card bottomed out! Hurry out to find a job, and then it is the monthly salary to return the card and then brush out, and then do two credit cards, several cards take turns to get, the vicious circle step by step into the abyss without knowing it! The sudden epidemic is at home for more than a month, there is no income and no money, start to borrow shellfish, the initial amount is small, 5,000 dare not installment too long, the interest is too high, the minimum three periods, the wage is paid back, the amount is raised to take out and then installment, the more borrowed, and the new vicious circle has begun!

This year's another round of the epidemic outbreak, the income reduction wages to the borrowing of shellfish after the limit is not seen, there is no money in hand, there is no credit card repayment, a panic! And embarrassed to find a friend to borrow, chose the online loan, two borrowed twenty thousand, also credit card to the family living expenses, June finally no money to pay back the investment! At first, I didn't dare to answer the bank phone, but I was even more scared in July!

Then I started to look it up on the Internet, and some of them became more and more scared the more they looked, and some of them were still very encouraging! Watch various tutorials and say that you can't escape, you can't lose contact! I began to find a place where no one was answering the phone, tried to communicate and negotiate, and couldn't figure it out

In September, the online loan also paid off, the money borrowed to a friend was sent to Alipay for two seconds by the borrowed shell crossed, began to overdue, and then there are all kinds of collection calls, more than a dozen a day, some people dare not answer, the mobile phone is muted, a person when the answer to a few, all kinds of reminders, send lawyer letters, sue the court Ah or something, there is a 360 collection, Ningxia number, 19 at the beginning, but also threatened to go to the home, go to the unit, beat up everyone's phone in my address book! It was on fire! After hanging up the phone after a few words, I started to be scared! I want to live lightly, but I can't pay the debt with my life, so why should I go and fall into the debt to my parents, wives and children? Summon up the courage to pay off the debt alive first!

At the end of September, I began to look for debts, calculated the total arrears of up to 250,000, 6% commission, to 12,000, said to help block collection, help negotiate interest-free installments, . All overdue where there is money! They said that they could pay in installments, first sign a contract for four thousand, I was also in a hurry to go to the doctor and decided to give two thousand first, first sign the contract and then slowly give, my brain is more stupid! I don't know if I should believe it or not! They said to help me block the collection first, a few days ago sent the elderly mobile phone and a number past, set up a call transfer, I tried the number is turned off, do not know in the end can not work, do not be deceived again!

I have been hiding from my family, I dare not say it, I am afraid that they will worry, I am afraid that they will be disappointed! But there was still a call to the house! Last night I plucked up the courage to tell my wife everything! She called me stupid and brainless! To leave! Do not contact in the future! Didn't say divorce either! It's just my own doing! It was I who lost her too much! Then I told my parents again, and I thought there would be a scolding! They just blamed me for not managing my money, not telling them sooner, and encouraging me not to think about it too much, they helped me think of a way to make me work harder and earn more money to pay it off early! This makes my heart even more uncomfortable! I couldn't help but cry in front of them for more than a decade! I owe them so much over the years!

These months have not eaten well and slept well, and every day is spent in panic! Parental encouragement is my biggest motivation! Grit your teeth and try to get through as soon as possible!

Hopefully, people who don't have this path will take it as a warning! Don't touch credit card online loans or the like! Unless you can play around!

Hope all debtors come ashore soon! Share!