Alipay was overdue and received a lawyer's letter from Beijing Lu Wei Law Firm.

Alipay will receive a lawyer's letter from Beijing Lu Wei Law Firm after the deadline.

When you receive this so-called lawyer's letter, whether it is a paper version or this information connection, it is just a notice, which is the same as the dunning message you usually receive, forcing you to repay. I won't sue you right away. Put your heart back in your stomach, don't be afraid! Anyway, I received more than a dozen letters from lawyers when I was overdue.

My unified approach: burn them all and burn them casually in the countryside. It seems that the firm you sent has no funds and the play is not done enough. I will send you a paper version and send you a text message. Don't look, just delete it!

Here, I want to tell you about this lawyer's letter and the debt after being sued.

First: Who sent the lawyer's letter? One thing we need to find out is who sent you this so-called lawyer's letter? Although it is said to be a firm, whether it is true or not, the rest are sent to you by a third-party courier company. Here is another interesting thing to share with you.

Do you know that there are two kinds of people in this world who least want you to be sued?

One is your parents, lover and relatives.

The other is a small reminder.

Has it refreshed your three views?

Then why doesn't Xiao Reminder want you to be prosecuted? Let me analyze it for you.

More formal loans such as Alipay, online business loans, or credit cards.

At the beginning of your overdue period, you were the official customer service staff, and you called the robot for collection. This kind of collection has a mild tone.

After about 1 month, the formal collection will be invalid, and your debt collection will be transferred to a third-party collection company.

Even other online lending companies collected it by their own customer service in the early stage and then transferred it to a third-party company.

Alipay is overdue. Have you received the lawyer's letter from Beijing Lu Wei Law Firm?

After the third-party collection, I don't need to say more about this collection method. Everybody knows!

After the third-party collection, the focus came. In the process of third-party collection, if you really pay back the money after collection during this period, there is a commission for the small reminder. And no matter how much or how little you are, it is a small reminder.

Therefore, Xiao Cui doesn't want your debt to be transferred to prosecution, because when it comes to prosecution, it means that your creditor will no longer give you this bill to the collection company for follow-up, and bring it back for legal reminder, that is, sue you! So, as long as Xiao Cui lets you sue you, it's just a bluff!

Second: Does the collection company have the right to sue you?

There are two situations:

In the first case, if your creditor's rights are not transferred or sold to a collection company, you will be sued on the grounds that you have no right. Whether calling you at ordinary times, sending a collection message or sending a lawyer's letter, it is a means to scare people. Anyway, if you can scare the repayment, you will earn a commission.

The second case: if your creditor's rights are transferred and indeed sold to this third-party company, you really have the right to sue you. However, this situation rarely occurs among Alipay debtors. Generally, Alipay does all the prosecutions by itself, and they are all in batches, and will not sue you alone. Therefore, it can be said that the collection company is bluffing when it says it will sue you!

Regarding the transfer of creditor's rights, you can inquire and call the official service of the platform and card bank you owe. If you are really sued, you will not be informed in advance, and you will not be kindly reminded to prepare this material. You wouldn't have been sued for those materials before. Those are all collection routines.

Instead, you will receive a short message from 12368 and a court summons from postal EMS.

Third: should I check whether I have been prosecuted?

If you're really afraid of being sued, and you're afraid of insomnia and dreams, what I told you earlier won't listen. Well, teach an official a plan, find out whether he has been prosecuted or not, and keep it for your own use!

Fourth, make rational use of platform policies to avoid prosecution risks and collect harassment.

As we all know, the official platform of Alipay has a clear policy of delaying for two years after the deadline, whether it is flowers, loans or online goods. This policy can be said to be very friendly to debtors. In another two years, I can no longer rush the lawsuit, and I can also have a stable environment to make money and have time to make money and pay off the debts I owe. It can be said that the good policy is here. It is better to receive a collection call or see a collection message every day than to be scared and not to be used in vain.

Here, as a friendly reminder, I would like to remind you of some changes and precautions in the recent Alipay negotiations:

1, the threshold has also increased a lot. It is more difficult to get the window submission certificate. Some fans said that they still refused to give the window after making a lot of calls.

2. There will be no extension policy for submitting "proof of difficulty, proof of unemployment, proof of no income, proof of poverty", but during the negotiation, the customer service will not tell you and will still ask you to provide it. However, after uploading, the 95 188 callback notice will not be approved. At this time, it is equivalent to wasting the only opportunity to postpone. Yes, this is the only chance.

At present, the postponement policy is only open to two kinds of people, one is caused by serious illness and the other is caused by natural disasters.

Key reminder:

1. At present, the negotiation of Alipay is different from any time in the past, and the difficulty and threshold have increased several times. Remind you to be cautious if you have the conditions to postpone. Because once the information is submitted and fails to pass the examination, there is no chance of extension.

2. If you want to be smart, just ask those so-called "certification" people to open one, don't do such stupid things. Those so-called "issuing certificates" usually have only one template, one for A and one for B, but the customer service staff will not tell you clearly when they call you back to tell you the results, which is equivalent to wasting the only negotiation opportunity.