There is a debt-ridden father's coping method: making financial plans, cutting expenses, restructuring debts and arranging repayment, increasing income sources and educating debt management skills.

1. Make a financial plan: help my father make a detailed financial plan, including income, expenditure and debt settlement. Make sure he has a clear goal and make a reasonable repayment plan.

2. Cut expenses: review the monthly expenses with my father and find out the expenses that can be cut or eliminated. For example, reduce luxury purchases, change lifestyles, and raise awareness of thrift.

3. Debt restructuring and repayment arrangement: Negotiate debt restructuring with creditors and ensure that a reasonable repayment plan is made. If possible, seek the help of professional debt management institutions or financial consultants to obtain better repayment arrangements and interest rates.

4. Increase sources of income: Encourage fathers to actively seek additional sources of income, such as part-time, sideline or other value-added projects. This will help ease the debt pressure and gradually improve the economic situation.

5. Educate debt management skills: provide knowledge and skills related to debt management to help father manage debt better. Including budget, avoiding high-interest loans and timely repayment.

There is a father in debt. note:

1. Face the reality: face the reality honestly and don't avoid or evade the debt problem. Recognize your debt situation clearly and be prepared for difficulties and challenges.

2. Budget: Establish a detailed budget, define income and expenditure, and ensure that monthly expenditure can cover debt repayment and necessary living expenses. Reasonably plan and control expenses to avoid further liabilities.

3. Seek professional help: consult professional financial consultants or debt management institutions for their advice and guidance. They can provide specific solutions and related resources to help father restructure debts and make repayment plans.

4. Patience and persistence: getting rid of debt is not a one-off event, it takes time and effort. Father should be patient and persistent, and firmly believe that through correct financial management and hard work, he can finally get rid of the predicament.