On October 8, 2021, after National Day, I finally waited for news from a card friend who was in debt of 2 million yuan. I saw that he was sued for execution and frozen his bank card, and his life was unsustainable. I had been lying flat at home and relying on my parents' relief. Even a pack of cigarettes was worried, I also had an inexplicable worry about my future. Because of investing in stocks, I added five times the leverage to lose my position, as well as the futures and the digital currency . At the highest, I owe 10 million. After selling the house and the car, I still owe about 2 million.
1. The old man who has returned to the right track said: "From the decadence at the beginning to the peace of mind now, I have been open to it. I have finished my work. I have paid 60,000 yuan to now, but I haven't sued me. Let me reply in a unified way. When I was executed before, some bank cards were frozen. However, the cards that have no money and have not been frozen, and it happens to be the current salary bank."
First look at my brother's debts as follows. Of these, 1 million are relatives, and 1 million are friends. It is estimated that there are still about 100,000 yuan for small loans and online loans. The four credit cards were overdue for two and a half years and had not been paid back. Alipay has more than 60,000 yuan, and the micro loans for credit reporting are more than 50,000 yuan, friends and colleagues have more than 1 million yuan, and relatives have more than 1 million yuan. In October last year, two colleagues sued and enforced the case. In May 2021, the bank card was still frozen. Credit cards, investment promotion, CCB , Huaxia , Xingye , CITIC , Pufa , Shanghai all have overdue for more than 500 days, but none of them exceed 500.
2, how to face collection:
changed his mobile phone number, no longer used, shutdown state, that mobile phone number owed more than 1,000 phone bills, all kinds of micro loans (including those who report credit, such as Baidu , gold bars, Jiebei) have not been paid back, and the address book is definitely explosive. I have received many lawyer letters, but it is fake if there is no subpoena. At present, these micro loans have basically rarely called, and it has been overdue for about two years.
basically lost contact with the phone and occasionally answered the phone. Because there is no single credit card with a limit of more than 50,000, it doesn’t matter. Then, because private loans have been enforced, it doesn’t matter.
is right. The third party of the bank has visited the bank three times, including Huaxia, Construction, and Xingye. Except for Xingye's attitude, the other two are fine. After seeing the situation where I was lying flat at home, I left without saying anything. The debt collection of Xingye is very tough. I told him directly that you sued me and then closed the door.
3, court enforcement status:
1, November 7, 2020, currently only the most used , Agricultural Bank of China , has been frozen after the debt outbreak. WeChat is also available, but other bank cards have never had money. I don't know if it has been frozen. It's really not possible without a card. I didn't even have any change to go out in Shanghai. Alas, I won't be able to live. Currently, owes 2 million yuan, and there are no friends. The subject matter to be executed is 500,000 yuan. One of the cases has been declared on October 14 and was frozen in the early morning of this year. It feels like this life is gone. But I don’t want to die either. It’s better to live without a single life than to die.
2. On December 10, 2020, the court sent me an execution notice and asked me to go on the 11th, and I received it on the 12th. Ignore it. I asked yesterday whether to send a property declaration form to go back. Today, the judge of the execution court came to the door. I told me that you didn’t want to pay it back if you said you didn’t have money or you said you wanted to be detained. I said that if you think you have money if you have money, you can detain it. Then the judge said that we will make another appointment and negotiate with the plaintiff. I really don’t understand, there is nothing to negotiate for work?
This court is from my hometown and drove for two hours. There may be few cases of execution, which is indeed very fast, and I even brought a bailiff.
may have notified me to go to the court, but I didn't go. I received the notice sent to me on the 12th. I opened it and asked me to go on the 11th. I was still struggling to send him a property declaration form.
I'm just surprised that other courts enforced it, and I didn't hear that it would be negotiated again. At most, the height limit will be awarded, and the card will be frozen, and there will be no negotiations if there is no money.
3, I found out on the execution disclosure website that I was already a dishonest debtor. The key is that I have been executed for only one month, and I will only be converted to a dishonest debtor after six months. And I really don't have any property in my name.You should not be directly judged as a dishonest debtor.
4, I have three cases that have been executed now. The amounts of the case are 50,000, 110,000, and 180,000, respectively.
The subject of the first case was executed, but it was executed and went to the court to declare property. The court did not even freeze the account.
The second case execution even had the execution notice and property declaration. I was frozen directly from the person subject to execution to the person subject to execution, and I was judged to be able to refuse to perform.
The third case also quickly blocked my unblocked WeChat account and directly converted it into a dishonest debtor. These execution information can be found online. My question is, why did I become a dishonest person so quickly? I really have no property. I have long given up on myself if I owe so much.
5, bank card, Alipay and WeChat are all frozen. Now I heard that I will not be given living expenses. In my case, I guess there is no place to ask for it, not only to be executed. Once social security is paid, the credit card will probably start suing again. Very confused.
This is the money in the card. Some say that you can apply for the necessary living expenses, while others say that you can't apply. The two cards only have 1,465 yuan and I have frozen them. There is no execution notice and I have not asked me to declare my property. The execution judge's phone number will never be reached, I am really convinced.
sold all the ones that should be sold, but there were still about 200 left. The target of 150,000 has been executed. I am very confused. What would you do if it was you?
4. Netizens’ suggestions on compulsory execution:
1. Don’t take the initiative to go to the court. It doesn’t matter if the court goes to your house. Anyway, you will lose face if you lose the lawsuit. When the court goes to the door twice and still can’t find you, the execution procedure will be terminated. If you take the initiative, the execution bureau will send you a judicial detention notice on the spot. Don’t ignore the execution strength of the Jiangsu, Zhejiang and Shanghai District Courts. I am here in Jiangsu. Court Execution Bureau every day calls people from the Judicial Bureau to go out to assist in execution, and call it the Judicial Bureau to manage the community and assist in execution.
2. If you do not cooperate with the execution bureau or the execution bureau cannot contact you, it will easily lead you into the dishonest debtor. Actively cooperate with the Executive Board. Take the initiative to declare property. At most, you will be restricted to high consumption.
3, freezing an account is only the first step. Next, you will be summoned. If you don't cooperate during the execution. If you can't contact me for a long time, I will give you a breach of trust. My brother remembered that he didn't pay attention to answering the phone. Maybe this is why he was listed as a list of dishonest debtors.
5, Brother’s daily payment turnover problem:
November 26, 2020, I don’t know about my Alipay and I owe Alipay tens of thousands of dollars, so I will definitely not use it. WeChat is normal at present, but it doesn't work. I have no expenses at the moment when using my mother’s Alipay. I eat and live at home every day, and I feel desperate and can’t extricate myself.
I don’t dare to put money on WeChat now. There is only a little living expenses. Haha, I can’t help but force it to death. A pile of meat is worth 3 million.
At first I thought I had only frozen one card, the most commonly used one. I have basically never used other cards. So is WeChat. I'm so afraid of saving it in now, and I'm frozen again, alas. I thought the other card was not frozen, and then I saved the last 700 and went in. As a result, I was so angry that I exploded, but it was frozen by the court.
Now there are a few friends who can borrow some money, but they don’t want to borrow money anymore. The amount of borrowing cannot solve the problem.
6, how to deal with the debts of colleagues and friends:
I have sold a house in Shanghai, a modelx, and I have nothing left. You asked me deep down. At first I tried to repay it, but later I felt guilty, but then it didn't matter.
7, the brother's inner monologue:
May heaven have no stocks and futures, and the gloriousness in the past is now as bad as it is. I haven't talked to anyone for a long time. The brother told us in the jar.
Regarding the problem of making a comeback, my brother said that he should not be able to get up, and everyone ignored me. Now, most of the people on WeChat are still owed money.
Among them, 1 million are relatives, and 1 million are friends, all of which need to be paid back. It is estimated that there are still about 100,000 yuan for small loans and online loans. It must be impossible to pay it back now, and I have no time to pay it back.It has been executed, and I feel helpless!
At the beginning, he was still full of fighting spirit and actively repaying the loan, but he would slowly be defeated by reality one by one. I'm sorry to many friends. Now there is no courage to stand up, and I will eat and wait for death every day. I have also earned
. Otherwise, I wouldn't have gone in so much. At that time, I would have made all the news I gave to others. I was too greedy.
I owe so much debt, and I feel desperate inside, but it is impossible to die. Even if I go to jail, I won’t want to die, so there is no need. It’s better to live without dying. Once a person enters a trough or desperate situation, his ability to make money will basically become worse and worse. Many resources will disappear long ago, and it is basically difficult to turn over.
To be honest, I think this life is over, I don’t know how to get up. Everything is gone. I lived in the applause of flowers every day. Of course, I said that it was not that I could not forget it before, but now there is nothing left. I feel like I can’t make anything. Simply put, I can’t make a breakfast stall.
To be honest, if I just owe 500,000, I can work hard to repay it bit by bit, but if more than 2 million is too much, I basically can't see hope!
actually originally owed 1,000, so I sold a house in Shanghai and a car. Now there is nothing in your name, if there is one, you will definitely be sold and paid off your debt.
Nowadays, there are many lawsuits for private lending. If the bank has a small amount, there is no need to panic. If the lawsuit is filed, it is also a repayment of the principal.
I still have a lot of private loans, and I haven’t sued me for the time being, and I have a credit card, so I won’t have to worry about the debt. To be honest, I have 500,000 now, and I don’t know who to pay back first.
If I have money, I will definitely pay back the private one first and then the credit card. It doesn’t matter if the credit report is reported.
My suggestion is:
1. In fact, it is best to keep three or two credit card cards. After freezing the salary card, you can still use it by binding the credit card to Alipay and WeChat.
2. If you cannot ensure that you go ashore, don’t borrow favors. It is difficult to repay the debt of favor, and once you turn against each other, you will be prosecuted as soon as possible. 3. Of course, it is best to pay off debts first, unless you can get ashore in a short period of time. This is the choice of many brothers after the deadline.
4, bank card dormant account may be used at critical moments.
This is based on my original intention from the card friend forum. I hope everyone can understand it. This compilation and editing process requires reading a large number of posts and sentences within one or two years, which is more time-consuming and laborious than writing an article. I hope everyone likes it. My brother’s current job is programmer, and his income is still good. In fact, after compulsory execution, you can negotiate repayment again, especially after the final payment.
