希望重新做人應怎樣清還債務最實際

First of all,I'm sorry I am not able to type in Chinese.Hopefully someone who have great english reading level can help you.

Let me answer your question and concern okay.First I would suggest you sit down and review the total debt you have now,including any amount of debt you are not sure.From there you need to know how much is your income every month and how much is your expense?And how much you need to save for an emergency.Cut off any expense is not necessary such as cable tv etc.Once you know how much you can afford to pay back the creditors,call them and ask them you want to schedule an appointment with them to discuss about the debt you have with them.Please don't affraid to talk to them.In these days most creditors are willing to find a best soultion with you.All the want is you can pay back what you owe them.If you're serious about it,I don't see the reason why they would reject you?Whenever is your appointment with them,bring these following with you.
Proof of your income,your household expense,monthly statment from your bank.Let say you only have one thousands to pay a month to these 2 creditors,okay pay this amount than.I want to let you know,ond of my friend he owe ten thouands us dollars which is almost eighty thousands hk dollars.He can get out of it,but I want to let you know the road is long and difficult,but one of these days you can get out of it too.Only timing matters,do not think you cnan cheat or using short cut on it.It will only make it worse.

I hope this info can help you and I wish you well and your situatuion is getting better sometime soon.Try to do it soon as you can,if the creditors is declare bankrupt against you,it would be too late.Remember as long as you show your sincere and comittment to them,in most case they are willing to work with you too.

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