Mired in credits. Took the following on the repayment of the previous ones. Interest high. Sometimes despair comes. I do not see the exit. Mired in credits: what to do? Credit insoluction goes around the country mirro on credits No work What to do

Mired in credits.
I do not even know how it all started. I live with my son in removable apartment. There is not anyone. Always worked a lot, and always lacked anything. Apartment -Pol earnings, the rest on food, on a growing child, - always wanted him to feel worse than others.
Loans in our country are easy. If you work, there are no debts and convictions ...
Now my debts are excavated. If you pay properly, you need to give two salaries per month. More loans do not give me - delay. And not everyone spent. Who knows what I'm talking about - took the previous ones for the repayment of the previous ones. Interest high.
Sometimes despair comes. I'm angry with your own stupidity. But I do not see the exit. No. And I'm afraid. Every day more and more.
How to get out? What to do? Nerves to the limit. Sleep bad. I'm afraid to break and go crazy.
I do not write details. Letters will never be able to transfer feelings. But if someone can advise something real, please write.
Support Website:

Katya. , Age: 36/27/2013

Responses:

Hello, Katya.
I do not know what to tell you in your very difficult situation. Only I can ask you not to despair and remember always that God will not leave you. Pray, ask .. God loves everyone.
The main thing is that you have a son. For the mother, it is like anchor, which does not allow you to regret yourself and break into the abyss.
On this site I read the story of one woman who survived in a similar to your situation.
This is a link to her letter.

Maybe it will help you.
Keep you and your son Lord.

Peace, age: 45/27/2013

Katyusha, it is difficult to advise when the storm 12 points. But! You have a son - it means there is something to fight! You have a roof over your head - it means there is where there is and sleep. You have a pure conscience - the desire to give debts! God does not send us the tests in excess of what we can take out. You are just tired. This is normal. But as they say, the wedge wedge is embroodble. Go to the temple, put the candle for health and fulfill all your desires! Talk to the priest, perhaps more than two times. Your soul you need a small way, but relief. You will see, everything will come back, and the joy and awareness of life. I also want to add a prayer here. But you already look after your faith. God to help you and all the best!

Katya, Age: 43 / 17.11.2013

Katya, B. legal issues Lack. But I feel your condition myself in a similar situation. I hope you will tell you what to do. But I know that the hands can not be omitted. At such a moment, support is important even moral and faith, which is all overcome. My girlfriend advised to me just support the body to have forces. And calmed down, and the nerves are ridiculously, and the body has become stronger and sleep. Week passed, I began to look for a decision and found a better job. Slowly I will pay, I can fine. What you wish you.

Margarita, Age: 42 / 17.11.2013

Katyushka, what to do? First, bring the nervous system at least into relative order: to achieve normal sleep, allocate at least half an hour for a walk. Secondly, stop borrowing. Thirdly, consult with smart people, how to "freeze" interest in banks. The people even somehow wrote here that the debtor is even profitable if the bank filed it to the court - the score "frozen". But at the same time, again, the people advise themselves somewhere somewhere at least a little debt - "they say that I can - I give, I am going to extinguish them." In short, you must consult with an intelligent lawyer. Looking history on the forum (on the left at the top). There were many similar. In the end, people somehow came out of the position. What you wish you. Hold on, dear! Break away!

Elena, Age: 56 / 17.11.2013

Hello! How is this no one? And son?
Not everyone has such happiness. Many just dream about it.
Children suffer from not the lack of money, but from the lack of love. We spend a lot of extra, on what you can do without. Recover costs, twist them to a minimum, sell everything too much. Is it possible to move temporarily to parents? If you certainly have good relations with your parents. You can find a job with the provision of housing, such as a teacher of student hostel. Yes, the salary is small, but there are no costs for housing and can be combined with another work, there is free time. Consider expenses, everything can save on.
Set up for a long debt repayment process. Perhaps a few years will be held. But it is better to live in this way, rejoicing the life of your child, looking into his eyes and seeing his smile than not to live in any way, to throw this little one and obrace him to suffer.
Read the site and forum, look for similar stories where people solved loan payments problems.
And be sure to swim well - the morning of the evening is wiser. With God blessing.

Margarita, Age: 28 / 17.11.2013

There are free websites about loans on the Internet, there are free mailing and you can ask a question a lawyer, another newspaper for the debtor. I learned a lot with my debts every time it is very bad, I read and calm down.

Tatiana, Age: 26 / 18.11.2013

For debts - correctly advised about the freezing of loans. I came across working with debtors in banks - and saw that the bank is more profitable to agree with the client so that he pays "slowly" what the debt is completely written off, so how do you need to dumb, so that the debt is frozen and pay for a longer period. If you draw yourself a clear plan on the return of debt and you will adhere to it - be sure everything will decide with time.

I could never put my finances in order until the book read one book and did not meet a guy who taught me correctly to the money applies. And then I realized that with the right approach, it is absolutely with any salaries you can save. And if you also have the goals to put on the acquisition (my homework, Khalurka there is somehow) - I must appear something and everything that you will have planned to be implemented!

Eleanora1980, age: 33/21/14/2013

Katyusha, what?!? I am an experienced lawyer, and I will say honestly, nothing terrible happened. This is not the end of life, I understand that it gives you to you, but believe me, it's not so terrible to hell like his little. I will advise you for free on your problem and you will see that not everything is so bad. Moreover, you can fight with banks))) Not deep))

Sophia, age: 29/25/12/2013

Question to a psychologist:

Good day. Here is my story. We will be repelled from the possible root of problems. The beginning of him lies, as it seems to me, at the end of July the month. I worked as a waiter in the restaurant. Was getting middle salary in the city (about 40,000). Everything seemed to be good. Fell in love with a colleague. Then, at the end of the month, I no longer remember for what reasons, we all together (employees) wrote an application for dismissal. We left one day. What to do next I did not have the idea. Meets with a friend. He told me that he had 300,000 in 2 weeks and he did not know where to invest. Well, we sat down, thought and decided to start the Internet business. They thought out everything like to the smallest detail. Agreed. After 2 weeks, he comes, I ranks 65 thousand on a laptop and distribution of debts. We started work. Worked somewhere 2 weeks. Everything was fine, flew to the mountain. She flew so quickly ... What crashed. One day, at the end of August. I stayed without money, the project fell away, the girl left me (returned to young manWith which 3 years was together ... not a very story). Funding a friend suspended, and that's it. I am without money, without work in the mountain, and the like. Debts began. Well, to eat something, look for work. I was looking for work until the beginning of October. I did not find anything. Last 2 weeks by all possible methods Get a loan to more or less deal with debts, find accommodation, get a job and start everything from the beginning. Today I had a refusal in the last bank, in which I made a loan through a black broker. Let's summarize. Debts for 100,000, microloans, the ability to give which I do not have, respectively, RIP credit history. No money, even on food. After 3 days I need to move. For help contact not to whom. During these 2 months, it became very associating and doried with everyone. Parents will not help. So for 2 months I shrew everything that could only. I can not get out of bed. I cried for the first time in 4 years. For 4 years, nor tears. And here. The thoughts that the simplest and rational solution is the speedy conversion of my body into a cool piece of meat fly in the head every minute. Help me some. It looks like The End. I can't live on the street either, since it is Peter, and now at night already minus.

The question is answered by the psychologist Litvinenko Lilia Viktorovna.

Hello, Julian

I hope that from the moment of writing a letter until my answer to it, you still could find a way out of the "dark room" towards the light. And I hope that before The End you still are far away, because the street is minus already :)

Your letter does not sound the question: what do you want to help you experts: finance, advice or support? ... I know you very hard. But if I come with the accordion, and you need a piece of sausages and a blanket, you can hardly be glad to me.

And still I will assume ....

So, you found yourself "painted in the corner" with your own hands and no strength to get out of bed, because there is no way out! For several months you have confused your life ... Well, or at least you think so .... you wondered the money and lost your girlfriend .... On the other aspects of your life you do not write anything. It is not clear what relationship with parents, why will they not help you? Do you have friends who have previously supported you? Where did you live before you got to removable accommodation? What made you cry 4 years ago?

From your letter I understand that you supposedly "hit the flow" and 4 years "went up", as you thought .... Just relying in case. Moreover, the case in which shines brighter. And they did not think that there, where brightly shines, it could be fast.

Now you are in darkness and you are scared.

Start over.......

1. Breathe ..... Just breathe ......

Deep ... inhale .... exhale ..... breath ..... exhale .....

Wherever you are ... just inhale ..... exhale ...... slower ... deeper .... all the breasts .....

2. Yes! You are painted in the corner! And there is no way out!

There is no way out where you are looking for it ....

But he is in another place .....

3. If you already breathe smoothly, let's start disassembling the ruins ..... You are not in the position to talk about new loans and loans. You are in Well .... E (I apologize for Slang). And there are not given loans .... you, I apologize, I have nothing to do and live now.

4.Fast promise 2 0 options for finding a place in which you can "live" to wait for this twist moment of your life. And at the same time, and bring your thoughts in order. Your condition is now deeply minus - depressed. There is no way out there. With the energy minus you can not even come up with nothing about money. Hysterical attempts will only aggravate the situation. Your task is now to go out into the zero state. At least neutral.

5. Look for work just for food and accommodation. And quickly. This is not ashamed. You are 21. In my youth, it is notistic to work as a janitor, learning at the university. Because you just start your way and mistakes help you understand the boundaries of your weak and strong Parties. It can be ashamed to be in 40 when I did nothing and even in the wipers ....

6. Survival options are looking for any, even the most unreal. Just register them without thinking about their reality.

7. From 20 prescribed options, find the 5 most realistic, even if they are not 100% satisfied.

8. Of the 5 options, what will give you the opportunity to stay not on the street, eat and think?

Your case is a variant of the world's rich people. All of them first passed the steps of falls. And only after that they included their "brains" for great cases.

I know even a couple of businessmen who artificially created the conditions of non-kindness to "include" brains ".

Of course, I do not know your potential that you are capable. But everyone can just survive.

But take off - it already depends on your ability to get up after the fall and move on.

Do you think everyone gets right ????

Have you ever read the history of the great world of this? Read ..... trouble is not how many times you fell. The trouble then when you could not climb.

I hope you find the strength to climb and move even in the dark. If it were light and easily, we would be in paradise. ..... :) But this, I think it would be boring :)

You have potential ... After all, they found how to come up with an Internet business. There was a problem in the fact that you missed something. Or could not be flexible and on time to react to new conditions. Maybe a niche in business was not proven or business brand new. I do not know your situation.

Take off, perhaps well. But there are people for whom it is better to climb the steps, step by step, checking every step on strength.

Good luck.

I hope that you got out of bed and breathe, at least for starters :)

If possible, you can write to the mail.

4.375 Rating 4.38 (4 votes)

In a conversation with a taxi driver on a new solaris, I learned that he has big debts and only work in a taxi. From his words, his monthly payments on loans and credit cards he has 45 thousand rubles. I did not go into details - this is only the most executed loans or the whole family. But in any case, 45 thousand rubles of monthly payments are 540 thousand rubles of payments per year.

Perhaps in Moscow standards it is not so much. But for the city, in which a salary of 25 thousand rubles is considered good - it is catastrophically! Credits are firmly entered into our lives and have already begun to destroy the lives of people. The most difficult situation is waiting for those who fall into the credit loop and can no longer reduce the credit burden. The situation is also aggravated by the fact that often buckwaxes give loans for very high interest. I personally saw credit contractin which it was about a loan under 100 percent percent per annum.

So, the loss of people who did not count their forces multiplied by the greed of banks who know only one way to earn - it brazenly shaking their customers and leave them without pants. Plus marketers that we treat all the time that we are all chmoshnik, if we do not have an iPhone, a mortgage, an expensive car that can not be pocket. And the hit of the season, if you did not bought a purebred dog on credit, then you completely dragged, because a dog loan, what can better describe the current situation? And now let's add the most difficult economic situation across the country and now you understand why banks have almost ceased to lend the population. Bankers grow nonvices. And many people are brought to despair.

Mired in credits: what to do?

I advise not to panic. Your credit dog bailiffs It is not for sure. Start with the fact that write down the dimensions of your debts. Stop making new loans to repay old loans. And trying with all the might that every month the size of your total debt is reduced. Credit cards It is advisable to destroy physically. And if the amount of debt fails to be reduced, the law on bankruptcy can come to the aid individualswhich comes into force from the summer of 2015. But the most important thing you should know that loans in their mass is evil. And their necessity is very controversial. Take a big loan - it means to speak healthy motivation to achievements at work. Stand ahead and pull it on me instead of sitting on her and go. Such a credit lifestyle and is more difficult financially and not motivated. Consumer itch? I assure that there are much more inexpensive and pleasant joys in life than the credit BWM X5, which stands as an apartment and is not available in the usual maintenance of the overwhelming majority of office plankton.

Today it is very easy to get a loan: banks are ready to issue them even without references and guarantors. It attracts more customers ready to take a cash loan. Unfortunately, in a short time, the moment of paying for his rampant actions comes, and citizens begin to search for all possible optionsTo repay loans. However, it is not necessary to go to the bank. Passion to occupy money from friends and acquaintances also does not pass without a trace for family budget. About how to get out of debts will be told in this article.

We estimate the situation

First of all, when the issue of debt arises, it is necessary to competently assess the situation. Depending on who you occupied - from the bank or from relatives, and further actions will depend. For example, in the case of debt to close or familiar problems, it is much easier to solve. By requesting a delay of payment, you can find a part-time job and pay in the near future.

If the debt appeared in front of the lender, then it is necessary to act immediately. For example, issued a loan, a person is counting on its strength and opportunities, but unforeseen situations can always happen, and at the most inopportune moment. That is why, facing financial difficultiesOne should immediately contact the bank asking for a delay of payment. As a rule, credit organizations go to meet and do not charge a fine for a slight delay.

Where to wait for help?

Having wondered how to get out of debts and loans, "the debtor should know that he can always help him. For example, in the case of debt to friends or relatives, you can always seek help to someone in the third, reload money and return debt. Of course, such a step is an extreme measure, because in any case it does not solve the problem. You still remain in financial addiction.

If the creditor is the bank, the guarantors can come to the aid. Most often, the financial institutions insure issued loans and issued loans only if the guarantor's borrower has. This, of course, relates to large sums, and not small consumer loans. In this case, the guarantor is now now the main solvent face and repudits the debt for the main credit consumption.

In addition to these options, you can often see ads: "I will help get out of debts." In the role of assistants here are private individuals or microcredit organizations that, extinguishing your debt, will issue a new one, only under huge interest. The real bothery service. That is why it is better to avoid such assistance.

Action plan

First of all, it is necessary to get rid of small loans. So, extinguished small debts, it will be easier to focus on larger ones. To make it easier to make decisions, it is necessary to go into financial affairs. Exactly that the home accounting reigns full chaos, and appear credit debts. Thus, taking control of all its income and expenses, it will be possible to further navigate, in which direction to move. If the income level allows you to pay bills on time, but some budget articles do not allow this, it will be best to remove them from the list of necessary on time.

Next, understanding in their financial opportunities, You can go to action. In that situation when money is clearly not enough, and credit limit exceeded, you should look for new sources of earnings. It may be an additional part-time job the new kind Business, or you need to take overtime. But in no case cannot make a new cash loan.

Having distributed money for a month, you can go to the planning of the following. So you will see where there are still problems, and therefore it will be possible to move to their solution.

Ways to pay off debt

Most the best way How to become free from debts to a person is to abandon them in the future. That is, after the repayment of all debts, you should avoid the temptation to acquire any thing on credit.

Having a debt to the bank, you can ask him to reduce the interest rate or achieve restructuring. At first glance, it seems too complicated, because financial organizations Do not intend to just lose your profits. But in fact, the creditors are interested in at least return the money issued: it is better than to recognize the debut debroms and lose all your funds. That is why, by contacting the manager with a request to change payments, you can get a chance to settle with debts in a more convenient form for you.

If this method does not help, then an insolvent citizen may ask for a delay. In order, which the bank or lender will allocate not to pay debt, the debtor must put his financial position in order.

How to quickly get out of debts

If there is no opportunity or desire to wait long and constantly worry about your financial situation, then there are two options. In the first case - to sell mortgaged property And pay off debt. Then the lender will immediately write it, and the borrower will not have credit obligations. If the cash loan was taken not credit organization, and friends or acquaintances, you can also sell any valuable thing. Celebrated money will go to the return of the loan.

The second version of the answer to the question "How to get out of debt" is to recognize yourself with bankrupt. This is an extreme measure leading to the fact that in the near future, a person will not have the opportunity to take loans anymore. The court recognizes an insolvent citizen bankrupt and writes off his debt to the bank.

How to get out of credit debts

In the event that the borrower does not want to appear in the blacklist banking organizations, You can try some more options for solving the problem. For example, some faces are issued several loans at once. In this situation, a good way out will be asked to delay payments in banks with lower interest rates. Thus, the debt extinguished money before the organization with high percentThe borrower relies itself from more urgent obligations. After that, in order (also completely) repay other loans. When one debt remains, it will be possible to pay it in normal mode or if circumstances allow, close completely.

Magic to help

Once in a challenging financial situation, people begin to look for non-traditional ways to solve the problem. For example, those who believe in magic are trying to read a plot. To get out of debts in this way is unlikely to succeed, but will help to instill confidence in your strength and will give hope. Folk signsrelating to moneycan also help. There is a superstition that it is impossible to carry garbage from the house for the night, and then money will stop working. Perhaps someone checked this way for himself, he really helped and answering the question of how to get out of debts. However, the whole thing here is not in magic, but in revising the relationship of man to its income and expenses. Financial discipline and increased performance are able to create real wonders.

Many citizens who take loans do not even read the terms of the contract. And in vain! There are several ways to save and not pay extra. For example, for early repayment You can save not one thousand rubles, but when using bank cards, on the contrary, spend extra money.

Some debtors sometimes hope to miracle. There is an opinion that there are rich Muscovites helping to get out of debts. Of course, theoretically you can imagine a situation where good uncle decides to pay off your credit. However, what will he require in return? Vleet B. new duty? Or to work out in the enterprise? Before you look for information about such solutions to the problem, think: do you need it? As practice shows, it is better not to believe rumors and various non-bailies, but try to pay off your debt yourself.

Let's summarize

The reasons leading us to the debt pit may be the most different. Sometimes really the only chance to get out of a difficult situation is to design a bank loan. Then to inspire yourself, you should contact the help of guarantors. Thoughtless and unreasonable design of loans in a short time can turn into a problem, and then it will be necessary to solve a different question: how to get out of debts? Prayer in this situation does not help much. One can only strengthen the faith in a quick solution to the problem, but in reality only the attraction of additional income and reduction of costs is required. In order not to become the hostage of eternal obligations, it is necessary to stop using light loans.

I can not so much. I am a miring in debt, I can not return now, and I need money very much. I started drinking a lot, I always do at work so that colleagues could understand without me.
I gave up, I can't stand it anymore. Every day the thought of death is stronger and stronger. I want to fall asleep and not wake up. And no one will be sad for me, will not forget very quickly ...
Support Website:

Danil, Age: 29/12/06/2014

Responses:

Danil! Debts can be given, you need to understand how. You can in parts, you can cut down, you can earn, in the end it is possible to play in the lottery. Work supports you, support and you, do not despair it, you have legs, hands, head on my shoulders, you think and means exist. And I will be sad because there is a person, he is bad and he will lead herself into the abyss of despair. Be concentrated, gather, think over your plan, look for an output, it is. Vodka is not very best friend, it is only worse. You are my hello and support, fight for life, you will see that you can overcome difficulties and become stronger and wiser.

Rada, Age: 46/12/06/2014

Danil all that this is the combination of what was formed by us and circumstances, unfortunately we are not subject to money. The money and even more so if it is a very big amount for you .. this is of course a heavy situation and sometimes apparent hopeless Possible options to exit it. Subject of life. Introduce if it is possible to work on a higher paid. You have to ask for someone who you should, enter your very difficult position and wait a little more. Continuate with a lawyer. , acquaintances and in the end of God, even if you don't believe it or, on the contrary, it is very offended at him ... through the power .. your teeth ..-headed sincerely. The whole of being the exit Danil I know incredibly difficult and unbearable situations. I do not know what a debt. I myself am 6 years ago by stupidity and weakness, I became a guarantor of one dishonest person. And the result is still hanging "ladies fishing sword ". Suamm is about 500,000 rubles there. For these years, I didn't change anymundly for these years, I also decided to reduce the scores with life very many times. But all the same, it was already fixed and I live further with the hope that everything in the end is formed. Strong living and Work in the measure. I do not tell you, do not despair, despair does not ask us about when you visit us, and I ask you do not go round it, do not immerse yourself without a balance. Yes, you.

Zhenya, Age: 36/12/06/2014

Daniel, well, if this is how to argue: can you change something in a situation? Well, if there is no money, then they are not. Well then will be, and give. Why checked yourself so much. No need to worry about it. Without money, creditors will survive somehow. Wait a little, nothing terrible. This is not a fatal case at all.
Not such things, because of which you need to kill yourself. This horror is only in our mind. In fact, everything is much better and easier. How many people cannot return the debt to banks - you will look at the statistics for this year. This is a colossal figure. And what do you think everyone gathered everyone? Banks themselves are to blame for loans without proper provision. You can ask for debt restructuring. And if they occupied familiar to know, they ask for a delay. And you need to stop drinking. And it will be even worse. It is better for a sober head to think what to do. Look, it may take some kind of part-time, or some other decisions will come to mind.

Olya, Age: 42 / 12.06.2014

Danil, if you have a mom or dad, then at least for the sake of them should not be done. You wonder so think that they will forget very quickly, the TC will never forget .. Mom your will get up every morning and sleep to go to bed with the thought of you ..
Debts are now very many in Russia, the TC Recession. You need a plan to sketch, as with debts pay and when. In order for you every month you saw how closer you are to the objective of debts. You say that you have work, it means and debts will be sooner or later to give.
And it would be possible to learn to spend less, humble to be and content with the fact that there is so far. And if something wanted - it is better to save money, and not to climb into the future and yourself to rob in the future.
Also, Danil, do not let these thoughts in yourself. These are not your thoughts, it is chipping them. It must be very firmly understood. Here articles are on the site on the topic where these thoughts come from, read if it is possible. You are a young, healthy, working guy, and the country (sorry, I know that a little pathetic sounds, but this is true) people need such people. You can also get married, kids to gear. And this is all temporary, coming-go, all the more all that is connected with the money - today there are no them tomorrow. Do not give in to these evil pieces, know what you need that for someone you can become the most beloved man, and for someone the most favorite dad.

Marina, Age: 33/12/06/2014

Danil, the hell is much worse and hopeless.
And no one will nap, because there is no money, no store, no light, only crying and crushing the teeth, and darkness is pitch.

There is always a way out.
On the forum, read the stories like your.

If you are tired of drinking, listen to the plot of support.