当一个人负债累累，无力偿还该怎么办?
What should I do when a person is in debt and unable to repay it?
建议从以下这几点做起：
It is suggested to start from the following points:
1、制定还款计划：
1. Make repayment plan:
根据自己的收入和支出情况，制定合理的还款计划，将债务分期偿还。
According to your income and expenditure, make a reasonable repayment plan and repay the debt in installments.
如果有多笔债务，可以优先偿还高利率或逾期较长的债务。
If there are more than one debt, the debt with high interest rate or long overdue can be repaid first.
2、寻求贷款和债务重组：
2. Seek loan and debt restructuring:
如果自己无法还清债务，可以考虑向银行或其他机构申请贷款或者债务重组。
If you can’t pay off your debts, you can consider applying to banks or other institutions for loans or debt restructuring.
贷款和债务重组可以降低利率、减轻还款压力，但需要谨慎选择机构和方案，以避免进一步陷入负债陷阱。
Loan and debt restructuring can reduce interest rates and reduce repayment pressure, but institutions and programs need to be carefully selected to avoid further falling into the debt trap.
3、寻求咨询和帮助：
3. Seek advice and help:
如果自己无法应对债务问题，可以寻求专业咨询和帮助，例如财务规划师、律师或债务咨询机构等。
If you can’t deal with debt problems, you can seek professional advice and help, such as financial planners, lawyers or debt advisory agencies.
这些专业人士可以提供合理的建议和解决方案，帮助自己走出困境。
These professionals can provide reasonable suggestions and solutions to help themselves out of difficulties.
4、减少支出和增加收入：
4. Reduce expenditure and increase income:
除了以上方法外，自己也可以采取措施减少支出或增加收入，例如削减不必要的开支、寻找兼职或者加班等。
In addition to the above methods, you can also take measures to reduce expenses or increase income, such as reducing unnecessary expenses, finding part-time jobs or working overtime.
这些措施可以提高自己的收入和还款能力，减轻负债压力。
These measures can improve their income and repayment ability and reduce the pressure of debt.
当一个人负债累累无力偿还的时候，应该及时采取措施，避免债务进一步累积，同时谨慎选择解决方案，寻求专业帮助和支持。
When a person is heavily in debt and unable to repay it, he/she should take timely measures to avoid further accumulation of debt, carefully select solutions and seek professional help and support.
在未来，也需要加强理财知识和技能，规划好自己的财务，避免再次陷入负债困境。
In the future, we also need to strengthen our financial management knowledge and skills, plan our own finances well, and avoid falling into debt again.
