This article is from WeChat official account:Prism (ID: lengjing_qqfinance), author: Qin sub Vatican, Zhou Chunzai, editor: Yang pudding, the original title: “from million to repay debt,” shore “, he once again took over the debt counselor identity 8000 case | prism” , Source of header image: Visual China
The 2020 epidemic has changed everyone’s life. For those young people who rely on online loans for their livelihoods, the epidemic has caused the debt crisis to break out in advance, and the topic of young people’s debt once rushed into hot searches.
The author of this article was once one of them: because of business failure, he was in debt of more than 1 million yuan, and he became a “Three Harmony God” in order to avoid debts and stay away from home. But unlike other debtors, he made efforts to “go ashore” again, and because he shared his wandering and debt repayment experience online, he attracted a large number of fans; he began to give debt counseling to young people in debt and took over. Nearly 8,000 cases were reported.
He concluded through the case that gambling and pre-consumption are the two main reasons that young people are in debt, and the rise of online loans has contributed to this. Borrowing money is easy, but debt repayment is too difficult. Only a few people can pay off their loans on their own.
The following is his own account, the editor has repeatedly confirmed its authenticity.
This is a story that sounds magical, but is actually happening. It is a story about a young man in a small town who dreams of breaking into a multi-millionaire, owes a debt, and leaves his hometown away from his family. The story of eating leftovers to gradually paying off debts, and then becoming a man who pointed the way to a large number of debt-ridden people.
Huang Liang Yimeng: From “the richest man in the county” to millions of debts
After graduating from college, I took the money I earned from working part-time in a bar during my college years, and partnered with someone to open a small bar near a university in my hometown. Since this is the first local clean bar, I made my first 300,000 in my life without much effort.
Among the frequent guests, old K admires me very much. He told me one night that he had a government project on hand, and he made a steady profit without losing money., Asked me if I wanted to join and make a fortune. Taking advantage of the wine’s strength and youthfulness, as well as the reliability and this excellent opportunity presented by him, I immediately nodded in response.
What happened later was far beyond my expectation. In just six months, my 300,000 funds rolled to 600,000, and the snowball is still getting bigger and bigger.
Looking at the increasing balance in the account, I felt like I was going to float. I began to frequent various entertainment venues. Because I was generous and often took the consumer champion of the bar, I made a large number of people who love to drink and have a little spare money, and soon became famous in the small county. All kinds of rumors added fuel to it, saying that I had seven zeros if I had less assets, and I was only in my early twenties.
Gradually, more and more people came to inquire and climb friends. Everyone was curious about how I changed from a poor boy to a rich man. As for the brothers, I still unreservedly “get rich first and then get rich”. Many people have made money from this investment project. The news of making money spread like wildfire, and more and more people come here to find me for investment.
By mid-2015, my 300,000 principal had already rolled to more than 3 million. I decided to squeeze all my assets and borrow some money to earn him 10 million in one step. The temptation to become a multi-millionaire before the age of twenty-five is too great.
But good luck ends here. Suddenly one day, the mobile phone of the contact person for that project was turned off, and they couldn’t be reached. This bad news was like a bolt from the blue, and it stunned me. I have invested all of my more than three million yuan in funds, and only two to three thousand yuan is left. I didn’t want to believe it, but the subsequent collectors made me have to accept this fact.
In this investment, I not only invested my entire net worth, but also borrowed part of the money from some local private lending institutions to make the snowball bigger, totaling more than 1 million yuan. Not only that, some friends who participated in the investment also turned their faces and asked me for money. Although these are not my debts, I have made it clear before investing that I do not guarantee them, but people who have no money have become anxious and come to my house to stop me and threaten me regardless. The collectors were so powerful that they even smashed the door and glass with stones. The family members were overwhelmed and had to move to relatives.
During this period, I also tried to do some business to repay the debts, but no matter which supplier I went to discuss purchase matters or rent a shop, someone would point me back and ask me whether Want to swallow other people’s money. This matter can only be left behind.
After owing money, 99% of my friends disappeared. I am very decadent and can only numb my body and brain with alcohol, avoiding the pressure of reality. chaoticMy routine and tremendous mental pressure finally crushed me. I was seriously ill. I stayed in the hospital for seven or eight days. None of my former friends showed up. When it came time to pay the bill, I found that my money was not enough. In the end, my father took leave from the work unit and paid me the bill.
Seeing the exhausted figure of my father, I finally couldn’t help crying. This is the first time I shed tears after the incident.
Later, I had a long conversation with my parents all night. My father tentatively asked me if I should sell the house I live in to pay off the debt. After this incident, my parents became a lot older at once, and I was really unhappy in my heart. The money I earned didn’t give my parents much enjoyment, but now they want them to sell the house they have bought for half a lifetime to pay off their debts. I really can’t accept it.
We made two decisions that night: Because so many people come to collect debts every day, I let my father move to my grandmother’s house temporarily, and say that the house has been sold to avoid constant searching The door-to-door debt collector; my second decision is to leave my hometown, go to Beijing to make a break, and pay the debt after making money.
Crashing in Beijing: Sleeping on the road and eating leftovers, and finally paying off the debt
With the 1,000 yuan my grandma gave me, I went to Beijing alone.
The train ticket and meal cost me 400 yuan, and I only had less than 600 yuan in my pocket the night I arrived in Beijing. The cheapest hotel in Beijing also costs 100 yuan a night. That night I spent the night in front of a dumpling shop near the train station.
I searched on my mobile phone for a long time that night and found a house near a certain cancer hospital in Beijing. Almost all the patients’ families lived there, and it only cost 50 yuan a day. The place is very dark and humid, with no sunlight, the room is in the basement, and the toilets and toilets are shared. Because I was so tired, I fell asleep the night I found the house, and it was already the next afternoon when I got up. After waking up, I was in a daze for a long time. The past month was like a dream, but now I wake up from the dream.
Because of continuing to share his “landing” experience on Zhihu, the author has gained 150,000 fans
For sympathy or other reasons, many people with certain financial conditions come to the bar to patronize my business, drink and chat with me and ask me how I got here during this time. Speaking of this experience, the biggest gain for me is: no matter how bad the situation is, you must be strong and cannot be defeated by yourself. As long as you hold on, there will be a turning point in the future.
In the second half of 2018, I seized an opportunity. Relying on my previous contacts and the contacts I accumulated during my part-time job, I made some investments and finally paid off the debt. This also provides hope for more debtors. I turned more energy to debt consulting and withdrew from the bar industry.
Transformation consulting: 8,000 cases, gambling and pre-consumption the most
From June 2019 to June 2020, the number of inquiries I received has entered a peak period. Without a studio, I will handle all consultations by myself. So far, I have taken over nearly 8,000 case consultations. Some are owed to banks, some are owed to private individuals, some are borrowed from the Internet, and some are borrowed from the private sector… Among them, because online loans and credit cards owe the most debts, and only a minority of them fail to do business and start a business.
The number of paid consultations by the author on Zhihu. More cases are conducted through WeChat chat
After I contacted more people, I found that gambling and pre-consumption are the two major causes of debt.I took my daughter and worked day and night every day, doing several jobs, and finally paid off the loan from 2017 to September 2020.
On the day when the last amount owed was paid, she specifically found me and said that she thanked me for encouraging her, and I was really happy for her. Even if it is an ordinary family, when the husband and wife work together, it is very difficult for a family to save 200,000 yuan a year, let alone such a single mother, who probably only knows how much suffering she has suffered.
It’s too difficult to pay off debts: very few people pay off on their own
When most of my friends who are in debt find me, they are almost in the rhythm of a crash. Few people stop their losses in time and take the initiative to break off their loans, because they generally have a mentality to borrow the money in front of them. Later, I will be able to catch a good opportunity to make a lot of money to pay off the debt. Sadly, they underestimated the difficulty of making money.
I will provide these debtors with some basic legal knowledge and debt knowledge, what penalties and prospects they will face, comprehensively analyze the status, earning ability and personality of their native families, and point out the best The right path.
I must say one thing here. I have been doing debt consultation for so many years, and I have also tracked the repayment status of a large number of debtors. I don’t rely on illegal methods, parents and relatives to come forward, and I don’t rely on land occupation, demolition, etc. Few people work hard and make money to pay off their debts. Why is it so difficult to pay debts?
First of all, debtors have to face the challenge of collection, which will interfere with their normal work. For debtors with credit problems, many companies will not hire them, and their employment channels are relatively narrow; secondly, the reputation of debtors has been greatly affected, and relatives and friends no longer trust them, and it is difficult for them to obtain The initial financial support for starting a business or other aspects of trust; again, they are anxious, worried, inferior, self-blaming, afraid of facing acquaintances, and not very fond of communicating with strangers, and gradually autistic.
The debtors here have a bad mentality. They don’t like slow money, and they generally focus on fast money. For example, if a person owes a million in debt, if you give him a salary of 10,000 yuan a month, he will not be very satisfied, because he feels that it will take at least ten years to pay off if he doesn’t eat or drink. In fact, they have solidified their thinking. Taking ten thousand now does not mean that they will continue to receive ten thousand in the future. There will be a chance to get a higher salary later. However, their mentality is generally blunt under the pressure of debt and can’t settle down to do things.
My advice to debtors is that they must forget everything in the past, don’t think about how much they owe, they haveJust do it, don’t dream, don’t fantasize, do whatever you want, it’s better than nothing. But in reality, many debtors have a broken mentality, doing nothing all day long, immersed in regret, and there are quite a few people who do nothing. They seem to be waiting for the pie from the sky.
Opportunities are reserved for those who are prepared and doing things, and those who wishful thinking and don’t want to work hard, often just sink in, burdened with debt, and more and more. At this time, the probability of their sinking is very high.
We can imagine a little boy and girl in their early twenties who owe five to six hundred thousand yuan. They have to pay back this money in a short time, otherwise it will affect their studies or career. They have no choice but to make quick money and go to some shameless and less legal gray industries.
As far as I know of some gray industries, there are a large number of people with debt backgrounds, such as the overseas gaming industry that we are familiar with, and the domestic night market industry. This is relatively safe and secure for the bottom debtors. A quick way to repay.
I have been in contact with too many people in debt counseling over the years, and everyone who has debts is equally confused. But the road after that took people in different directions: some people shrank behind their parents and let their parents help themselves; some people chose to run away and live again in a place no one knew, even at the expense of their wives. Abandoned sons; even more people put their personal credibility out of their bodies, go out of any platform, they will borrow money, the money on the platform will not be repaid, they live on the loan; only a very small number of people can rely on their own efforts The money is paid. Regardless of the reason they borrowed money in the first place, these prodigal sons who turn back and are determined to take it for themselves deserve respect.
I summarized, there are several important steps to solve the debt problem:
First, seek truth from facts to understand your own problems, don’t evade, don’t fantasize, don’t be afraid to take responsibility, don’t be afraid of being known, don’t keep thinking about it, you can tell your family to find a solution together;
Second, you must adjust your mentality, don’t regret it all the time, don’t blame yourself, don’t languish, keep yourself optimistic and rational, and have confidence in the future; p>
Thirdly, you must have a certain basic knowledge of debt knowledge and laws and regulations, make a repayment plan based on the actual situation, and strive to make money, save expenses, and increase revenue and reduce expenditure.
In middle age, looking back at dusk, the forests are like Nanke Yimeng;
I want to be a fledgling person back then, and I am more eager to have a bright future.
Xi Ronghua is just right, but I hate impermanence again;
Looking open, throwing away all family business and hometown.
Gold and silver are foreign objects, so why bother in vain!
If the wealth of the world comes in a hurry, it will disappear without a trace.
Persuade the judge, don’t be blinded, cherish what is in front of you, life is a dream.
This article is from WeChat official account:Prism (ID: lengjing_qqfinance), author: Qin sub Vatican, Zhou Chunzi, editor: Yang pudding