Introduction
For debtors, what is terrible is not the debt, nor the collection, but the scaring of themselves.
The reason why many debtors are stuck in the debt quagmire and cannot extricate themselves is not because of lack of ability, let alone lack of credit, but because of self-limitation and self-fear.
As someone who has come over, I would like to share my opinion:Being in debt is not owing your life, and you don't have to scare yourself.
The following are the things that the debtor is most worried about, and it is also because of these superfluous worries that he has driven himself to a dead end, and the debtor's friends are invited to check themselves.
Whether it is private lending, online lending, or credit cards, the third-party collection agencies entrusted by banks actually use the usual trick of violent collection.
In the past few years, the collection of some online loan platforms, in order to collect murder and arson, many families have been ruined and killed, jumping off the building, taking poison, jumping into the river, and even because of the collection, there are many life-and-death buckets, and so on.
Of course, there are many cases of intimidation of debtors, assault of debtors, kidnapping and threatening the families of the debtor's children and the elderly.
Through the deepening of the anti-crime and anti-evil eradication, the main target of the underworld gang is the vast number of debtors, so in 2021, the state officially included violent and illegal collection into the criminal law.
Even so, violent collection still exists, including not only hard violence, but also soft violence.
Therefore, some debtors are frightened all day long, hiding in the east, and their minds are in a state of high tension, and they can't do anything, and they can't do anything.
However, with the continuous improvement of the rule of law, when the legitimate rights and interests of the debtor and personal safety are threatened, there is no need to take care of the loss because of his debts, and bravely take up the law to defend his rights.
Ensuring one's own personal safety is also to better protect one's right to survival and development, which is more conducive to the repayment of debts.
Maintain a good attitude, you are not in debt repayment, but temporarily in difficulty, and you are not dead and unrecognized, but working hard.
In fact, for creditors, what they are afraid of is that the debtor has no money to repay the debt, and is still hiding, or even breaking the jar.
So, give yourself a little confidence, give your creditors a little confidence, and take a step back and open the sky.
Besides, in a society governed by the rule of law, who can treat the debtor as well?
Many debtors are most afraid of being sued in court, but the more they are afraid, the more extreme they take to it.
First of all, we must figure out, why would the creditor sue?
First, exhausting all means, that is, unable to recover the debt, so he was forced to have no choice but to sue.
Second, they want to achieve the goal of debt resolution through the court's investigation and control methods, pre-litigation property preservation, freezing bank accounts and real estate.
Third, the debtor is out of touch and cannot collect normally.
Clause. 4. Debt disputes cannot be mediated by themselves.
Therefore, it is necessary to have a clear understanding and sufficient understanding of the creditor's lawsuit.
It can be said that it is useless to be afraid.
What the debtor should do is to maintain good communication with creditors and make sure that they do not get caught.
Secondly, if you are unfortunately sued by the court, you must respond rationally.
Truthfully state your actual situation to the court, and must not conceal and evade, and secondly, truthfully fill in the property reporting order.
Actually, for the courts,What he hates is that he has no money, but also pretends to be an uncle, and is a debtor who is Laipi.
Moreover, there are fears that they will be detained in court.
Let's put it this way, if you keep communicating with the court, you can handle the debt correctly, or in installments, or make a repayment plan.
Courts are not all mechanical law enforcement, and many times debtors block their own paths!
What should come will come, don't run away from the court!
From the debtor's failure and bankruptcy, the debtor's inability to repay the debt, being collected by the creditor, to being tried by the court, the debtor's biggest concern is that the children will be affected!
First, they are afraid that their children's living environment will be affected;
second, they are afraid that their children's physical and mental health will be harmed by collection;
Third, they are afraid that the court's blacklist of dishonesty will harm their children.
In fact, for the debtor, this is an excellent educational opportunity for his children, who do not have to hide, but also let the children understand the process of failure, as well as the process of perseverance and honesty, which is more conducive to him to motivate them to grow.
Of course, there are also people who think that letting their children be exposed to these too much will make them feel inferior, although it is not unreasonable, but compared to inferiority, it is better than full of lies.
Of course, the most important thing is the political trial that everyone is talking about, and there is one thing to say, these worries are superfluous for the vast majority of debtors.
So, don't be afraid.
Instead of worrying about it, it's better to work hard, you say?
When the family goes bankrupt, a considerable number of people will leave because of materials and face, which is nothing new.
Some debtors are afraid that their lover will leave, so they want to take on the debt themselves and do everything possible to hide the debt from their lover.
But how many can repay the debt without realizing it, without affecting family harmony?
In the end, it's not a showdown, and in the end there is a big fuss and it ends in a breakup?
Therefore, to be a frank person, you must first confess your debts to your lover.
If they can accept it, it will naturally be a blessing for you;
If they can't accept it, and they can't share the difficulties, then such a marriage is also in name only, and it is destined to not go far.
So, don't be afraid, debt is also a litmus test!
Let innocent love break through in a debt, and let a hypocritical transaction reveal the prototype in a debt!
Most debtors will not tell their parents about their debts, in fact, this is like parents always telling their children good news but not bad news.
It's right not to worry your parents, but also remember:Instead of letting creditors and collection gongs and drums quarrel with their parents, it is better to confess to their parents.
Of course, this depends on the level of acceptance of the parents.
But don't worry too much, in the eyes of parents, they will always believe that their children are the best!
When we fail to go into debt, we will find that some friends will automatically block us for two reasons:
One is the fear that we will create trouble for them, such as borrowing money, such as guarantees.
The second is because we have no use value.
For such friends, there is no need to worry that they will leave us, on the contrary, we should also stay away from such people.
AbsolutelyWhen you can underestimate, a friend who never leaves is a real friend!
Especially my friends in debt, it is not an exaggeration to describe me as timid as a mouse, because I existed in such a state at the beginning, when I had relatives who were willing to invest in me and let me do business, but I was afraid that if I failed again, I really couldn't get up in this life.
I think this is also the psychology of many debtors.
In a word: I have nothing anyway, are you still afraid of failure?
Besides, having already experienced failure, and having already paid expensive tuition, isn't that the most valuable asset?
So,Be brave enough to toss. The success in this world is always those who can toss, those who have been defeated and defeated repeatedly, and those who have been defeated again and again are by no means those who expect to lend money to earn interest!
The above 7 situations are the situations that the debtor may face, but as long as you grasp a little, you have fallen to the bottom, and you can still be unlucky?
Secondly, debt is also a demon mirror, which can not only see how many pounds and taels you have, but also see clearly the warmth and sinister hearts of relatives and friends, as well as the society!
Finally, after going into debt, you must have an open mind, have the spirit of not being able to die, and be afraid of the tiger and the wolf, not only will you be forced into a desperate situation, but you will also drag your family into the whirlpool!
Therefore, the first step in resolving the debt is to release the fear in your heart!
The last sentence: Don't you owe money, and you won't die, what's the big deal?