Hello everyone I am David, rainy for a few days, can not help some thoughts, yesterday 15th, but also my mortgage repayment day, for me in this city for more than ten years, there should be, glad that they have established the year, have a career, the door is happy, happiness is always there. However, some friends around me are struggling.
There is a good friend, Ah Zhi, a generous and down-to-earth person, more than ten years of friends, treat people with sincerity, life is a positive person, work is also very serious, in recent years, everyone lives, struggle, contact with each other is less, suddenly one day I received a strange phone call: "Hello, is it Mr. Sun, I am here xxxxxx, are you here with x zhi?" Trouble to inform him that his arrears on the xxx platform have been seriously overdue, and have now been reported to the relevant departments, and the next judicial process will be followed, and he must be notified of the timely repayment."
When the other party crackled and said a bunch of things, I understood, Ah Zhi life is not very good, and then called Ah Zhi to understand the recent situation, I did not tell him, I received a collection call, not I do not say, but I give him a basic decency, he has foreign debt and even such an online loan arrears, there may be bank arrears, his address book was exploded, undoubtedly in the embarrassing life of the worse, but also to bear the inner fingering of relatives and friends around him...
In the next few days, I deliberately sent a private WeChat circle of friends, only visible to him, the content is about the face of collection, how to negotiate repayment, free interest, liquidated damages, penalty interest, eliminate collection, etc., only repay the principal and other related content. Sure enough, he contacted me on the same day and told me about his situation, and I naturally pretended not to know anything, and gave him advice from a professional point of view, giving him advice, because he had credit cards, online loans, friends' arrears, I gave him a credit card to stop the account, 5 years 60 repayment principal can be, online loan application deferred for 3 years, after maturity, let him repay the principal in one lump sum (the most unfortunate, there is interest is not more than 15.4% stipulated by the state, limited to online loans), because of our legal teachers, I had a good relationship, explained it, and quickly did it for him.
Now that the debt problem has been solved and collection has been eliminated, his life has slowly returned to normal...
I advise you not to use loans to support loans, no matter how difficult it is, we must negotiate and deal with it, credit information is important, and going ashore is more important.
Friends who want to go ashore can pay attention to this headline number