How can I rationalize my repayment plan if I am in debt?

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The Reality About Klarna: Why It’s Harmful to Purchase Now, Pay Later

Many of my friends are often overwhelmed by the pressure exerted by collections after their online loans and credit cards are overdue, and it is difficult to keep a cool head and calmly analyze whether what the collectors say is true or false, let alone how to plan repayment.
Advice 1: Don’t blindly repay your debts
Although you rack your brains to keep paying off your debts, the interest that arises from overdue debts continues to steadily accrue. You pay back a large portion of the money to deduct the high penalty interest and default fees. If you haven’t recognized such a fact and keep paying back blindly, then you are in a state where interest is rolling in. As a result, the loan eventually gets backed up and the debt gets higher and higher.
Advice 2: Stop in time Stop making payments
Many of my friends around me who have credit cards have complained to me that they use their credit cards and loans to support them every month. This monthly cycle is unbearable and eventually comes close to the brink of collapse. This situation is a common problem for most people and adds to the burden of their lives if they are unable to make payments.
Recommendation 3: Avoid delays and negotiate as soon as possible
Since you have lost the ability to repay the debt and cannot pay it back, suspend the payments and stop the loss in time. Plan how much can be left to repay the arrears after monthly living expenses, and then negotiate with the platform to stop and repay the principal in installments or in one lump sum, reducing the interest by up to how much.
Advice 4: Plan wisely to avoid risk
Many of my friends around me will ask to negotiate with the platform to repay only the principal or add a small amount of interest. Will this platform agree? It is perfectly fine, as many debtors have proven its feasibility. In fact it is not difficult to understand, because many platforms themselves have many unreasonable behaviors, such as exploding address books, soft violence, illegal collection, etc. And the cost of suing the court is relatively large, instead of turning the debt into a bad debt, the possibility of recovering the principal is certainly a better option. In fact debt is not terrible, what is terrible is that many people do not know how to plan their debts, thinking into chaos, borrowing money to support the loan, and finally all the money used to pay high penalty interest and default. Plan your debt correctly and wisely, be clear about your repayment philosophy, avoid risks and plan for the future.