Sergei (35), editor.
Before the crisis, I worked in one well-known and very respected publication. At that time, loans could be taken very easily and without any red tape. In addition, in addition to the main work, I worked as freelance - writing articles in other publications. So I decided to buy a good laptop on credit. The loan was also taken in a solid bank. Money paid regularly, every month, even with a small overpayment. But an economic crisis broke out, and our magazine, despite its fame and a long history, was closed down. I, like many colleagues, were left without work. I had to repay the loan within the next three months. I could not find a job, so now my main source of income is freelancing. Money is barely enough for life - it is natural that there is no way to pay the loan yet. So for several months my debt to the bank grew from 3000 thousand dollars to 5000 thousand.
Of course, they call me from the bank, and now from the bank's security service. I honestly say that I do not have any money yet, let them take any measures, but I do not have to take them anywhere. It's good that I got a good bank. His services in an attempt to get their money do not pass a certain line of politeness. And I know the credit history of debtors, in which various services of other banks call not only the immediate debtor, but in every possible way spoil the life of his entire family.
Psychologist's comment.
The need to borrow is a mental illness. The desire to seem rich at any cost. If we talk about this story, then we see an ordinary adequate person who, like most people, plans to spend his money. He just really did not earn at some point
Ekaterina (35), assistant marketer.
We would not have thought about taking loans, if there had been no misfortune in our family. My older brother was hit by a car. The vertebral was damaged. The choice was between being permanently disabled and doing expensive surgery. We live not richly, from all values, yes, that moment was - a two-room apartment and a shed machine of a dozen. I recently graduated from the institute, my salary was barely enough for clothes and food. My brother worked as a security guard at a private enterprise. To pay him the first operation, we sold my father's car. Then, the recovering drugs were left with the money that my brother put off to buy his car. But the damage was plural, and one operation was not enough. And the question arose where to get money. On the security of the apartment, the parents took the necessary money from the bank - they registered for me. Did my brother two operations. Have passed a course of recovery. And it turned out that we had to bank a huge pile of money. We can not immediately translate money. We pay back the debt and now we simply exist.
Psychologist's comment.
Here is a difficult situation, a disaster. And I would not talk about any psychological characteristics of the heroine. Because her actions are dictated not by human psychology, but by tragedy in the family.
Alexey (30), a journalist.
I took loans for a living. Rags, equipment, cafes. A year and a half regularly paid the bills. I am a designer by nature. With the onset of the crisis, the flow of work has sharply declined. In the end, I had to bank about 1000 dollars. There is some work. I have enough for life, but there is no money to pay off the debt. At first I was talking about the postponement of the week. Then they phoned me and insulted me, threatened me with some visiting brigade. In court, the bank does not want to file. It is not profitable for them, suddenly their claims will not be satisfied, and red tape is much, it is better to terrorize so more profitable.
Specialist's comment.
In my opinion, the young man considers the guilty all but himself. Such people often consciously go on deceiving creditors, from the very beginning already knowing that they are unlikely to be able to give money, or simply do not think about how they will return them