As a member of the army in debt, I feel particularly deeply about this problem.
Debts began in 20 19, broke out in March 2020, completely overdue, and rose again in May of the same year.
In the two months from March to May, I experienced a serious collection. All kinds of phones kept ringing all day, which blew up my address book, and then all kinds of news, threats, court summons and other information that was difficult to distinguish between true and false flew all over the sky. I was cheated at that time, and no one had experienced such an experience. Every day, the whole person is like a fool, depressed, depressed, irritable, taciturn, inferior and autistic.
Of course, at this time, I am like a dreamer every day, dreaming unrealistic dreams and often thinking, if I win 5 million in the lottery, will my debt be paid off? If the online loan company goes bankrupt or the boss runs away, do I not have to pay it back? If a friend can lend me tens of thousands, will I tide over the difficulties? If the country introduces a one-size-fits-all policy of online lending, will I be in debt? And so on, imagine repeating it in your mind every day, but it is impossible. Debt or debt, collection or ringing.
The turning point came when my mother was ill and accompanied her to the hospital. I don't know why, but I suddenly woke up a lot. Putting aside those negative emotions and fantasies, I thought of a practical problem. That's it. There's no savings and no job. What should parents do if they get a serious illness involving life and death? Especially because there is nothing to do without money. This idea is like a pot of cold water pouring down, which makes the whole person awake.
Next, I began to take the initiative to negotiate with the bank's customer service, took the initiative to call and expressed my willingness to repay, and explained my situation. Then I communicate and negotiate to stop payment or stop installment and so on. As for the online loan, I put it aside for the first time and paid it back when I saved enough money to settle the account. I changed my phone and the phone at the outlet began not to answer.
Then I went out to find a job, took a part-time job, and worked hard to make money every day. Up to now, I have lost nearly 300 thousand.
In fact, it is quite simple to want to come over, that is, stand up on your own initiative, don't be depressed, don't have unrealistic fantasies, and have concrete actions. No matter what you do or how you do it, you must do it first, and then have a stable job and income.
He tried his best to listen to his fate, but he must try his best to get a better fate.
Ask yourself when you look in the mirror, is there a way out? If not, it's over. I have no choice.