1, if it still has a certain repayment ability, repayment should be given priority according to its own situation. The debts owed by relatives and friends are all wrapped in feelings, and the most common thing is to borrow money from each other. Out of trust, understanding, help and sympathy for the debtor. Lend money to a debtor without expecting a return. This in itself is the lever of emotion. Get their understanding and trust first, move with emotion, and then pay back when relatives and friends need emergency.
2, the arrears of financial institutions, they are the beneficiaries of interests, they borrow money is an investment, you borrow, but also an investment. There are risks when there is investment, so it is necessary for both parties to share the risks. Without risk, there is no income, and high income has high risk. This is a normal logical problem. After the deadline, resolutely negotiate to repay the principal, so as not to be afraid of debt repayment in the future.
3. The repayment order is mortgage, car loan, credit card first, then the bank's credit products, online loans and small loans for credit investigation. Then use a period of time before the prosecution to handle the RV transfer and return the credit card in time, or return the credit card loan when the house arrives. If the house and car are not handled and other credit cards are loans overdue, it will be difficult to negotiate the repayment of the principal with the bank. After the prosecution, even if the court mediates, some banks will directly refuse to negotiate and demand a judgment. It will be very passive to apply for enforcement after the judgment. If the assets can't be sold, banks or online lending companies will continue to put pressure on the judges of the executive court of the pressure court, and the judges will continue to put pressure on you or freeze your bank card. In the end, it couldn't last. It's best to sell the house and go ashore before the deadline.
4. There is only one kind of debt that cannot be repaid, which involves criminal punishment, that is, credit card owes more than 50,000 principal, false information, and long-term loss and malicious arrears. Of course, if the amount is particularly large, some court decisions will be directly based on the objective imputation principle, and you will be sentenced as long as you don't pay it back, regardless of your subjective willingness to repay, overdraft purpose, credit card use history, etc. Therefore, before the extra-large credit card expires, you can directly contact the introducer at that time and the manager of the credit card center to negotiate the reduction of the principal (there is a successful example, the principal of 100 is reduced by 400,000, and only 640,000 is needed). The problem of refusing to execute the judgment or ruling, even if it is serious, is suspended, and the debt of credit card online loan can be basically ignored.
It's normal that interest and liquidated damages keep rising. The amount in the court's judgment is empty. That's just their bookkeeping method. For the debtor, it is enough to remember the principal. Whether the negotiation before prosecution, mediation in litigation or negotiation after the execution of the judgment, the goal is to repay the principal. Among them, pre-litigation negotiation can be divided into long periods, 12 to 60 periods, and mediation in litigation can only be divided into 3 to 12 periods. Besides, China Merchants Bank and Agricultural Bank of China generally do not give staging after prosecution, and they can be divided into long-term after implementation.
6. Don't waste time explaining and collecting. They are clients of an organization. If the principal is deposited, they must negotiate with the bank and the platform customer service. Although the assembly can also be negotiated, it is easy for them to renege. Even if the negotiation with the collection is successful, they should communicate with the bank's customer service to confirm before making the next step.
7. After the deadline, let go of the credit, face, list of untrustworthy people, etc. Others will respect you if you let go; The less you care, the less you will be affected, and others will look at you differently. Neither the car nor the house is important, but you can still get it if you give up. When you turn over and go ashore, you won't lack them, and you can recover what you lost. Be a strong and purposeful person and move forward silently for the expectations of your family. Let go of the burden, adjust the mentality and live a good life now.
8. When recruiting sentenced persons, (1) using violence or coercion; (2) restricting the personal freedom of others or intruding into others' houses; (3) Threatening, stalking or harassing others. The law doesn't give them much power, they are just a shadow. There used to be some gray means. Now with the standardization of collection in various places, most of them can only run more errands and get used to it.
9. Whether before or after litigation, it is very useful to prepare all kinds of low-income certificates, serious illness certificates, unemployment certificates and other certificates that affect family income. Try to recover the principal by stages, actively respond to the lawsuit, and participate in the court mediation of principal repayment. Make good use of every opportunity.
10, all calls are automatically recorded, clearly informing the other party that they have been recording (failure to inform can not be used as evidence), and counterclaims can be filed as court evidence, so as to obtain court approval and reduce costs.
1 1. Cardholders cash out through POS merchants for the purpose of cash withdrawal, which is generally not treated as a crime; However, if it takes cash through POS merchants for the purpose of illegal possession, it should be convicted and punished for credit card fraud.
12, if the person who has no house or car has no other assets, and the debtor may really be unable to repay it, and it is not deliberately avoided, then at this time, the bank will consider the employer, and it will have to pay its own legal fees for prosecution, and it will need to recover from the debtor later. Therefore, the bank's prosecution is also considered at different levels, and there is no specific standard.
13, so these people without any assets don't have to bear other consequences except being harassed by a third-party collection agency? Will the bank give up these funds and quit? Not necessarily. Banks appoint a third party to collect money for one or two years, and some banks even take three years. When the limit set by the bank is exceeded, the bank will choose to give up the money, package the creditor's rights at a very low price, and then transfer the creditor's rights by bidding. Theoretically, after the transfer of the creditor's rights, you will no longer owe the bank money.
14, the third party mainly plays the role of collection, but some third parties require you to sign some documents, such as a waiver agreement, a repayment commitment letter, and some so-called personalized installment repayment agreements. We don't have to sign it, even if we do, we should read it carefully before signing it.
15, the first collection intensity: transportation, Xingye, Pudong Development, CITIC, Guangfa and Ping An; The second kind of collection efforts: China Merchants, Minsheng, China Everbright, and other private banks; Third, the five state-owned banks, namely Bank of China, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank of China and Postal Service, have the greatest influence. However, the prosecution rate of state-owned banks is particularly high and the prosecution speed is very fast.
16, the most harmonious negotiation attitude is that CCB, Bank of Communications and Shanghai Pudong Development Bank have great difficulties in negotiation, ideal staging scheme, long number of installments and relatively large relief efforts.
Taking advantage of the weakness of human nature, the snowball of debt is getting bigger and bigger in order to rob Peter to pay Paul. Not afraid of credit reports, foreign visits, lawsuits, law enforcement and address books. Find a suitable reason, tell relatives and friends not to trust strangers, stop loss in time, and then tacitly. Water under the bridge. It's no use worrying. You can't pay it back. Just relax。 No big deal. I am strong enough to get out of debt sooner or later.