信用卡上欠了2万多, 老大们指点怎么办

zleyre22

不知道发在这里合不合适, 蛇老大手下留情, 这是我最常来的版面, 知道班上能人多, 请大家指点吧.
过程不想再说, 自打去年10月跟着某为老大做空开始,主要是QQQQ的看跌期权.10月的全部废纸, 11月的割了,换成了12月的也都作废了.又转钱进去买了1-3月的扑. 现在就剩下3月份的大概还剩下1/5的价值,割肉已经没有意义. 也不抱翻身的希望. 一个月里大盘跌1/3看来不大可能. 现在几张信用卡上欠了不少的钱, 我是否应该告诉信用卡公司我没有工作和任何收入来源,有无可能要求它们给一个还债计划,3到5年内还清,只付本金或少量的利息? 如果我停止付款,银行帐户会不会被冻结? 信用卡公司会不会把我告上法庭? 如果我申请破产, 是否就不用还债了?

vfengle

大盘什么时候开始跌？就是把空头逼到绝望的时候，这哥们已经绝望了，应该开始跌了

oldpigwang

回复 1# zleyre22


    你有房子吗？

slovoed

先付每月最小额度的钱, 给自己留出时间.

BTW, 别下注太狠了, 别借钱做, 留下吃饭的钱.....

MM_Wu

看过借码金炒股的，没见过借信用卡炒Option的。这不是跟去Vegas差不多了嘛。

zleyre22

回复  zleyre22


    你有房子吗？
oldpigwang 发表于 2011-2-15 11:02

    没有房子, 也没什么家产. 不相干的贴子, 大家就不要灌了.

ppteam

sorry to hear this.

1. yes, you should have some options for 还债计划, talk to the credit card banks.
2. If you default your credit card debt, I don't know if they will 冻结银行帐户; but your credit score will suffer.
3. I think if you 申请破产, you don't need to 还债. Ask attorney?

good luck!

revolver

Never use borrowed money to gamble!

ppteam

Just like LZ said, right now there's no need to 'educate' him.
he needs information and suggestion now.

oh my, I feel bad for him.

stocksea

申请破产可能是最‘合算’的方法。

lucky99

回复 1# zleyre22

You can settle down with the creditor but you need a real reason such as family financial difficulties, etc.

Usually you need default (no payment) for three months, then they will consider settle down with some cash. Good luck!

colderdown

If you are young and want to stay in US, I think you can work out the deal with your credit card company. Tell them you have no money, and if they don't want a deal, then you go default and they got nothing.

"我申请破产, 是否就不用还债了", yes. But IMHO, I won't go there. Very very sorry to hear this.

livefreakss

Unless you are not gonna to settle or work in US, file 破产 is a very very bad idea, when you look for job, a lot of employers will check your background, if you apply for a job in financial industry, it is even impossible.

Try to negotiate with the credit card company, it is not a lot of money, if it is $2 million, it will be a different story....

ghzchina

2万就破产了？问身边人借得到钱么？或者出了剩下的期权，先用最低还款额顶着。找份工作或者兼职，一年左右就熬出来了

plmt

封股票账户！全力打工，full-time+part-time别让自己闲着。1年还清信用卡，并且还可以让你心态变好---知道钱来的不容易, 以后该怎么花！

胡同儿串子

封股票账户！全力打工，full-time+part-time别让自己闲着。1年还清信用卡，并且还可以让你心态变好---知道钱 ...
plmt 发表于 2011-2-15 09:15

agreed，觉得为两万多申请破产不值

1234

回复 16# plmt


    plmt 老大说的最实在、有用， 照他说的去做的吧！

TECH_LOVER

封股票账户！全力打工，full-time+part-time别让自己闲着。1年还清信用卡，并且还可以让你心态变好---知道钱 ...
plmt 发表于 2011-2-15 12:15

Cannot agree more on this.

shoujie

封股票账户！全力打工，full-time+part-time别让自己闲着。1年还清信用卡，并且还可以让你心态变好---知道钱 ...
plmt 发表于 2011-2-15 12:15

    只要不干违法的事。如果年轻，身体又好，那就玩命的打工吧。。。这点债务不算什么。