What should I do if I have debts and no money? Popular topics and solutions on the Internet in the past 10 days
Recently, keywords such as "debt", "online loan overdue" and "inability to repay" have soared in popularity on major social platforms and news websites, reflecting the financial difficulties of many people under economic pressure. This article will combine the hot content of the past 10 days across the Internet to provide structured analysis and practical suggestions for debtors.
1. Data statistics on popular debt-related topics in the past 10 days
| Topic keywords | Search volume (10,000 times) | Main discussion platform |
|---|---|---|
| Online loan overdue negotiation | 28.5 | Zhihu, Douyin |
| Credit card minimum payment | 19.2 | Weibo, Baidu |
| debt restructuring | 15.7 | WeChat public account |
| personal bankruptcy law | 12.3 | headlines |
2. Solutions to deal with debts and no money to repay them
1. Debt sorting and evaluation
• Prepare detailed debt list (principal/interest/overdue charges)
• Prioritize: credit card > bank loan > formal online loan > private loan
• Calculate available monthly repayments
2. Negotiate a repayment plan
| Creditor type | Negotiation success rate | Common solutions |
|---|---|---|
| bank credit card | 78% | Suspension of interest/60 installments |
| Licensed online loan | 65% | Penalty interest reduction/deferment for 3-6 months |
| private lending | 30% | Principal installment payment |
3. Ways to increase income
• Recommended side jobs: food delivery riders (average daily income of 200-400 yuan), short video delivery (requires skill accumulation)
• Monetizing skills: online tutoring, copywriting and other remote jobs
• Asset disposal: resale of second-hand items, rental of idle properties
3. Warning on recent hot cases
1. A post-90s generation had a debt of 800,000 yuan due to "loans to support loans", and finally paid it off in 5 years through a debt restructuring plan
2. "Anti-collection" fraud gangs have appeared in many places, charging high fees and then disappearing (the police have been involved in the investigation)
3. In the first year of implementation of Shenzhen’s personal bankruptcy regulations, 23 people successfully applied for debt exemption
4. Suggestions from professional organizations
• Legal aid: 12348 judicial hotline provides free consultation
• Credit report repair: The People’s Bank of China explicitly prohibits charging for credit laundering
• Psychological counseling: National psychological assistance hotline 400-161-9995
Important reminder:Do not believe advertisements such as "quick debt settlement" or "credit repair" to avoid being deceived again. According to Article 680 of the Civil Code, the portion with an annual interest rate exceeding four times the LPR is not protected by law.
In the face of a debt crisis, staying calm and taking legal and compliant response measures is key. Most debt problems can be solved through proper planning, proactive negotiation, and increased income.
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