The woman was divorced for 4 years and was chased to repay her debts and found that she had become an old man
According to the Supreme People's Procuratorate on December 7, in June 2013, shortly after the wedding, Ms. Zhang's husband Liu was exposed to online gambling. From small fights to huge bets, Liu gradually fell into the quagmire of gambling and couldn't extricate himself, and he also borrowed money to gamble behind his family's back. Ms. Zhang was completely disappointed with her husband and divorced on October 23, 2014. Because Liu went out to hide from debts, Ms. Zhang became the only target of the creditors. In July 2017, the creditor Gao sued Liu and Ms. Zhang, demanding that they repay the principal of 100,000 yuan and the corresponding interest.
In January 2018, the court held that the debt was a joint debt of the husband and wife, and the judgment required Ms. Zhang and Mr. Liu to jointly repay the debt. In October 2018, Ms. Zhang found out that she was listed as a judgment defaulter and applied to the Jiangbei District Court for a retrial, but the court ruled to reject it. In December 2020, Ms. Zhang came to the Jiangbei District Procuratorate for help. On January 4 this year, the Chongqing No. 1 Intermediate People's Court ruled that the Jiangbei District Court should retry the case. On June 23, the Jiangbei District Court revoked the first-instance judgment in a retrial, and ruled that Ms. Zhang did not need to bear the responsibility for repayment, and all the repayment responsibilities should be borne by her ex-husband Liu alone.
What to do if your credit card is overdue.
1. Forget the repayment time.
For such users, the time to forget the last repayment date is basically short-term overdue, within 1-3 days. In this case, there is no need to panic at all, because except for the Industrial and Commercial Bank of China, the others are basically given a grace period, and you only need to pay it off within the grace period.
2. Failure to repay the loan in the short term.
Many people are temporarily short of funds, and they have not paid it back during the grace period, and the grace period has passed when the funds are filled, but it is basically a matter of a week. This kind of person can call the credit card customer service, say that he has special circumstances, and apply for a "non-malicious overdue certificate" after euphemistically explaining.
3. Overdue for a long time.
Your credit has already been spent, and the credit will be kept for 5 years before it can be eliminated. At this time, if you pay off the arrears and the credit card can still be swiped, you can use the mechanism of the banking system to constantly refresh and only display 24 months of records, swipe more credit cards, and repay the credit card on time, so that you will not see the overdue record after two years.
What should I do if my credit card is overdue?
Depending on your financial situation, choose different ways to deal with it:
1. Temporarily repay the arrears.
If you are currently in financial difficulties and can be alleviated after a while, you can directly call the bank customer service, explain your situation, and apply for a delay in repaying the money for a period of time. Or make a minimum payment on your credit card, but the interest rate is higher.
2. Repay the arrears for a long time.
If you are in financial difficulty, you will not be able to pay back the money for a few months or even years, so you can only apply to the bank to suspend the interest rate. The maximum interest-free installment is 60 installments, but it is not for those who want to be a laid-back, and can only be negotiated for users with special reasons such as unemployment and serious illness.
If you have experienced any difficulties, you can negotiate with the bank, bring your current assets, income and debts, as well as proof of hardship, express your willingness to actively repay the money, and apply for personalized installments according to your situation.
Note that if you evade collection and show that you are deliberately overdue, let alone negotiate installments, you may be sued by the bank.