I was already hopeless after being millions in debt, because I wasn't a rich second generation and I didn't have any assets or savings. In other words, all the debts I owe are credit cards and some lines of credit, and the empty gloves of the white wolf have not put themselves into it.
The business was not done, let alone the career, and there was not even a decent job. You must want to ask, how can the bank lend me so much money in my situation? Yes, I have also thought about this question, I am just an ordinary rural person, how dare they lend me so much money? I didn't feel at all that I could owe so much debt, I was numb to my credit card, and I didn't know how much I used in a month and how many bills I had paid.
At first, I really didn't have anything, just a unit that had just worked, and I didn't even have a deposit of more than 10,000 yuan. From the first card of 5000 yuan, to the seventh, eighth, and tenth cards. I can't even remember how many credit cards I've had. Three or four years,The largest card in my hand has reached more than 80,000 yuan, and the loan has been approved for me more than 100,000 yuan, and at that time I only had a car of more than 300,000 yuan and a business license in installments.
At the beginning, after the deadline, there was a customer service call ** to ask for repayment, and at that time, there was still the authority to handle installment repayment, so that the bill of 50,000 yuan would be divided into a maximum period of time and only a small part of it would be used every month. But with so many cards, one 50,000 is 500,000, and in the end, even if I repay the loan in installments, I still can't repay the bill. One card after another is overdue, and one by one** collection, day by day, day by day. I lived year after year in anxiety, and that time was painful and tormenting.
Later, I received a text message to negotiate repayment, and at first I looked at the specific information twice, probably the bill of 148,000 only allowed me to repay the principal and reduce the interest of 8,000 and so on. And you can also installment the principal to be repaid, basically a few thousand dollars a month. They seemed to be calculating in my favor, and if I really had the money to pay it back, if I had the ability to earn it, I would definitely agree to that way, but.
Five years have passed, and when I see such a text message again, I don't even open it anymore, and delete it directly。Because watching it will only make me more anxious and uncomfortable, I simply can't afford to repay, and I can't even earn money for food. My account is frozen, and I can't punch in my salary, how can I survive?
Although it will give me a lot of reductions, but even if it only charges me 1%, I don't have it, so how can I negotiate? I am not in a position to negotiate with them, let alone negotiate. It's almost meaningless to live, and if you are really forced to die one day, it will be liberating. Of course, now I still have to face the reality positively, live well, and survive to have the possibility of the future. List of high-quality authorsStatement: **From the Internet, if there is any infringement, it must be deleted!