If the online loan is overdue, SMS will inform the prosecution.

If the online loan informs the borrower by SMS that he should actively respond to the lawsuit, he will give up his right to defend his rights if he does not respond.

First, the first stage, overdue 1 day to 60 days, the head office calls for reminders. Attitude is acceptable, the door is basically closed, the door is threatened, opening the card is a temptation, reduce. This period is the early collection stage, and it is also the most likely time to cause pressure to users. Because of the short time, many people are overdue for the first time, so it is the first time. Many overdue people are afraid at this time. The collection personnel will not collide with each other at this time, but it is not excluded that a small number of online lending platforms will directly start violent collection. If you don't pay back the money at this time, you will enter the second stage.

2. The payment is overdue for 3 1-60 days, and the branch company is local, outsourcing a third-party company. Aggressive attitude, high probability of door-to-door, threat of prosecution and temptation of relief. Customers who are overdue at this stage generally face economic problems. After the initial collection, the collection attitude began to be tough, aggressive and abusive. Regular collection meetings will be held under the threat of door-to-door investigation, legal proceedings and 193. And the law is indiscriminate and universal. If the principal is less than 50 thousand, it must be said that the reserve fund, interest and liquidated damages are also considered as principal. Some collectors even began to pretend to be public security lawyers to collect money. If there is no repayment, it will generally enter the third stage.

3. 6 1- 180 days overdue, outsourcing third-party collection, law firm collection, threatening to file a case, and issuing files. False staging, this time period belongs to the "prime time" of collection, which is what everyone calls "violent collection". If you enter this time period, you will receive countless collection calls, not only yourself, but also people in your address book. Will be affected one after another. In addition, there will be all kinds of fake lawyer's letters and even forged information of various organs. Moreover, this phenomenon of fraud accounts for the majority, and the reason is very simple. Even if your credit card is overdue, you will definitely report the loss. However, many online lending platforms are non-compliant, especially various conventional lending platforms, and they have no authority to let you grant credit. That doesn't mean you don't have to pay back the money. Nevertheless, it is natural to pay back the debts.

Fourth, the overdue time 18 1-360 days, outsourcing companies and feelings complain that many people who owe money will be angry because of the previous collection, and even many people will not pay back because their address books have been "exploded". This is very common. So in the third stage, I began to play "emotional cards" with you slowly. Because of the long time, there will not be too many constraints between the lending company and the collection contracting company. The collection company is like breaking away from the hand and collecting at will, but most of them still have to play the "emotional card".

Five, 360 days overdue, asset package. The formation of bad debts and the transfer of creditor's rights have reached this stage. I believe that the debtor should have no intimate friends. Although this sentence is a bit heavy, it is true. However, it seems that your arrears have also become bad debts. At this time, nearly half of the lending companies will transfer their creditor's rights and let the collection continue. It is equivalent to a two-pronged approach. Remember, once the creditor's rights are transferred, you will pay back the money, which is equivalent to paying it back in vain. There is a simple reason. The original company has nothing to do with this debt. Even if you pay back the money, many platforms will not eliminate the arrears on the APP, nor will they restore your credit, because the creditor's rights no longer belong to the original company. In other words, one's own debts have become bad debts. It's time to filter the collection. As long as the phone is connected, it will become the main collection object, and continue to cycle these four processes. If the phone is disconnected, it will be directly collected and abandoned.