I was born in 1985, and I will be 37 years old after the end of this year. I am heavily in debt, which has dragged down the whole family and failed to live up to my parents&; expectations. Without mortgage and car loan and a monthly salary of more than 7,000 yuan, I have no savings and a debt of more than 1.8 million. The specific details are: 300,000 local rural commercial banks, 300,000 postal savings banks, 350,000 house mortgages, 100,000 bank credit cards, 50,000 Minsheng Bank credit cards, 12,000 Shanghai Pudong Development Bank credit cards, 28,000 Industrial Bank, 11,000 Agricultural Bank, 30,000 Guangfa Bank, 50,000 Nanjing Bank, 130,000 friends, 200,000 Suzhou Bank, 200,000 Postal Savings Credit Cards, 36,000 Micro- Current living conditions: 1. Mother, crying every day, is now working at the construction site to pay my debts. 2. Father, he took out his and my mother&;s pension money and hard-earned money totaling 400,000 yuan, and paid off a part of it for me first, and then borrowed money from relatives every day. The stronger father used to be begged by relatives to do things, but now he begged others humbly, suffering from coldness. When he didn&;t borrow money that day and was scolded by individual relatives, he came back to call me and cried bitterly. I never grew up. He is so disappointed in me that he is still trying his best to find a way when he is unable to help me. My father is not only encouraging me to cheer up, but also comforting my mother&;s mood. He is more depressed than me every day. 3. Sister and brother-in-law: They have their own families, and the monthly mortgage payment is more than 5,000 yuan. The children have to go to school and attend training classes. They must be very angry, but they are also comforting their parents and helping to find a way. First of all, she and my brother-in-law give me 10,000 yuan to pay back the money in installments, and they are trying to raise money to pay off the high interest first. 4. Relatives: My uncle&;s sister and uncle have been helping me, and took 50,000 yuan first. My aunt, my father&;s sister, said that I was bottomless and didn&;t pay a penny. My uncle directly asked my father to give up me, but he didn&;t pay a penny. His son, my brother, took out 40,000 yuan, and another uncle gave me 50,000 yuan when he owed others. There are several other relatives who have not said no, and they are also very concerned, but they have no money yet. 5. There is already no way out, and some people are looting in the fire. My relatives asked me to reduce the price of my house by 150 thousand, which was 20% lower than the market price. I&;m already short of money, and I still encounter this. It turns out that family ties are worthless in front of money and interests. Because of debt, my father is actively trying to borrow money from his relatives. This relative said that his family would buy a house, so my father said that I would sell my house to you, and then my relatives said this. If your house is sold for 600,000 yuan, then I will buy it. This relative has also sponsored in my family before. Some time ago, when I didn&;t confess this debt to my family, his family wanted to buy a house and asked my dad to borrow money. My dad said that you.Look after the house, wait until it is confirmed, see how much money it still needs, and then fund it. I didn&;t expect my business to come out in a few days, but I borrowed money from him. At that time, my first thought was to ask him if he wanted to buy my house, but he refused. It&;s been two months now, and the price of the house he looked at is 7,000 yuan per square meter. Because of the good location in my community, the average price is 7,500 yuan per square meter now. In October, people offered a price of 780,000 yuan. I wanted the buyer to add a little more, but it didn&;t work out. I missed this opportunity, and now the property market is bleak, and basically no one has asked, so my family is also in a hurry. After all, I have to pay interest on the money I owe. Although the property market is bleak, there are basically no sellers who want to make a low-priced transaction. This relative is also talking about a minimum of 7,000 square meters. Yesterday, this relative asked my dad to sell it to him at the price of 600,000 yuan. For my relative, you just need to buy a house, and you originally wanted to buy it. I can sell it to you at a lower price than the market price, but it is too much for you to press it on the floor like this. Taking advantage of your illness to kill you, this is usually said by an enemy. As a relative who has been sponsored by my family, you don&;t help us, but you also rob us in troubled waters. Can your conscience be safe? No matter how much the price of my house is reduced, it is impossible to sell it to such people. If it is sold to others at a low price, they will thank you and sell it to such a heartless person. In the future, they will say that they will take over your house when you are in trouble, making themselves seem great. Through these things, my father was also hit hard. Think about what they got in return for their heartfelt help in the past. My old father was also full of tears, and when he came back, he gave me another scolding … The main reason for his debt was that he died himself, and after he lost money in stock trading, he used loans to support loans and roll profits, which led to a total collapse. I started with 150,000 yuan, and then I went to stock market. In 2015, when the market was crazy, I made five times of capital allocation. As a result, when the stock market crashed, I was forced to be flat and penniless. If I had stopped in time, my life would have been easy now, but I was unwilling and didn&;t tell my family that I wanted to get this money out. If I didn&;t have any money, I went to the bank for a loan. At first, I borrowed 300,000 yuan, but I was not satisfied with the slow increase. I began to learn other people&;s leading tactics and board tactics online, and frequently changed positions and exchanged shares. As a result, I soon lost 60%. At this time, I was anxious again, and I had to pay interest every month. At this time, I continued to borrow from the bank, and then I borrowed another 300,000 yuan. Then I plunged into it again. I was still studying technology every day, constantly changing positions and changing stocks for trial and error. As a result, I still repeated yesterday&;s story, facing the interest of 3,000 yuan per month, and the principal was reduced by half. At this time, other banks began to borrow online loans because of their high debts, and the interest was very high. But there was no way, they could only support loans by loans. Finally, the cycle could not go on, and they secretly. Because there is a high interest to pay back every month, people become particularly impetuous, changing positions and shares is more troublesome, and the speed of losses is faster. Finally, in August this year, they can&;t hold on, they can only be overdue, and there is no way but to confess with their families. I have changed all the collections I have experienced, and my relatives know me anyway.Debt, also not afraid of shame! 1. Bank of Suzhou. I applied for a credit loan of 200,000 yuan at Suzhou Bank, paying interest every month, and paying the principal once a year. The loan was due on March 19th this year, and the monthly money was still delayed. There was no rush in the middle. It was not until April 25th that I received the loan from the bank, saying that my loan was due and I needed to pay back the money. I said I was trying to make up the money, so they said yes, just to let you know, and I didn&;t say anything more when I got the money back as soon as possible. On May 1st, a few days after the holiday, the bank began to urge me to pay back as much money as I could, otherwise the penalty interest was very heavy. I said I knew it, but I had no money and I couldn&;t pay it at all. Later, after two weeks of urging, the staff of our local branch contacted me, saying that the head office had handed this list to them for urging, and it was necessary to take photos at home to coordinate the scene and make a staging. I said it was ok, but as a result, they could only make three staging, and if they didn&;t sign it, they would immediately sue. I had no choice but to sign it in order to delay the time. It was signed on May 21st. There is no suspense. I didn&;t pay back a penny. Later, no one contacted me until September. On September 14, I suddenly received a subpoena saying that I was being sued. I was scared at that time, but it was useless. I could only live one day at a time. Later, on September 29, the court in Suzhou came and asked if you wanted to negotiate this case out of court. If it can be negotiated, there is no need to hold a court session, and I gave a bank lawyer&;s number. I called according to the number, and after negotiation, I reduced some penalty interest, but it can only be done in installments for one year. There is no way, I can only continue to agree. 2. Postal Savings Bank. I handled this bank in installments of 200,000 yuan in five years, and it was still 3,990 yuan per month. In October, I started to run out of money, so I didn&;t pay it back. At the beginning of a few days, I made a dunning call, and later I stopped calling. As a result, I didn&;t pay back the money in November, and the bank also said that I didn&;t contact me, so I didn&;t care. Then on November 26th, they sent my company a notice of arrears, and my wife and father asked me to advance it. My family began to know about my situation, so did my company, and then I called every day for the next few days. Later, my father pooled money to return this to me first, and then he said that I had a penalty of 5,000 yuan. I was angry directly. I couldn&;t pay this money. At first, they asked me to repay in advance, and then I called the customer service. The customer service said there was no way, either you continued to use this card or you paid the liquidated damages in advance, so I made a complaint directly. A week later, I handed it over to our local bank and still asked me to pay this penalty. I answered them very strongly. I have all the recordings of your dunning. If you don&;t give me a waiver, I will continue to complain, including going to the People&;s Bank of China and going to court. Later, a few days later, they were also afraid. They brought a small gift to my house and said that they would give me a full waiver and told me not to complain again. This matter was solved. 3. Jiufu Wanka and Zhongyuan Consumer Finance. Jiufuwanka and Zhongyuan Consumer Finance are one, but now I haveI returned it. At that time, I called me directly if I didn&;t return it on the same day. I said I would return it tomorrow, but they didn&;t agree. The next day, when I was just about to pay back the money, my father&;s came and said that someone had called him. I was really angry at that time. One day, they started to call the staff of the company. The mobile phone number left at that time was not owned by the company, but because it was handled online, the address book must have been taken by them. 4. Other online loans. I won&;t name the specific ones. There are several others, which have very high interest rates, and the loans still have service fees. The collection is direct and violent. Since I handled the postal bank, I have had experience. Every time he made a violent collection, I recorded and left evidence. Later, I consulted a lawyer. Many of them were unreasonable. Now, according to the laws of the country, my principal and interest have basically been returned, and there is no need to pay it back. During this time, there have been platforms to contact me and negotiate actively. Originally, they didn&;t violently collect money, and I could still pay him back. He broke my address book and harassed my family. Anyway, his family, Qi Xin, worked together to study how to deal with them, leaving them without a penny and paying legal responsibility. Some people have accepted the mediation of the court. Relatives are my hope. As a husband, I should be responsible, and as a father of children, I should be responsible. Because both of our salaries are ok, I am trading stocks, and my wife knows that every time I tell my wife, I always report good news instead of bad news, saying that the stock market has been making money, and then she never asked me for money and covered all the family expenses. Just because I said that I make money and my salary is not low, she has no restraint in family expenses. She thinks that I am her strong backing, and the children are also better fed and clothed. She has also signed up for many training courses, and her salary is basically the same with her relatives and friends, but I let her down. She was surprised that the debt was completely exposed, and she couldn&;t accept it, but my wife didn&;t divorce like others, and she didn&;t argue with me. She just told me to sell one house and find another way. However, she is also unable to bear these responsibilities. She is responsible for the family expenses and the growth of the children. She also needs to save some money for the future of the children. In fact, I have wronged her a lot, and I don&;t expect her to help me. After all, she has always been supporting me, and I am very sorry for her. Be ashamed of your elderly parents. My parents raised me from a young age, reluctant to eat and wear, and saved money for my school. My father had a job in the national system because he wanted to have me, which violated the family planning policy and lost his job. He could have lived a decent life, and because of my existence, he has been farming in the countryside, facing the loess and facing the sky all his life. Seeing that I grew up, I was admitted to the university, and I got a good job with a salary of more than 100 thousand a year. They also bought me a house and a car. But I didn&;t repay them.Anything is just a debt. I really let them down. So if I don&;t hold on, I&;m even more sorry for my parents, and I can&;t hurt them again and again. So I must summon up courage and face it bravely. Plan the debt and get rid of it as soon as possible. 1. Clear up the debt situation and make a repayment plan. Make a good inventory of all debts, sort out the priorities, how much each sum is, how much interest is, and the repayment date, so as to be aware of it. It has been sorted out at present. 2. Actively sell houses to raise funds. Now the house can&;t be saved, but it&;s not easy to sell now, and it must be sold at a low price. Even if it is sold at a low price, it is definitely better than dragging it, because the high interest rate will be solved earlier, and the remaining money will be more than the house price reduction, which is more cost-effective. 3. Redouble efforts to make money and carry forward the style of hardship. After work at night, I can take delivery part-time and make money on weekends. After all, I am in debt and I have to work harder than others. There are also self-media creations on headlines, and learning slowly will also be profitable. I am also studying headlines every day, hoping to gain something from this. I hope my story can alert you, and I also hope that comrades who are still in debt and dare not confess will be brave and solve this stubborn disease as soon as possible. Don&;t wait until you can&;t hide it any longer. In the end, you and your family will be out of control. Although the process is painful, we must face it positively, and there is still hope.