Is it illegal to send and receive text messages to your family in a hurry?

It is illegal, and personal online loans cannot implicate others. However, if there is an emergency contact person when handling the loan, the online lending platform can send a text message or make a phone call to the emergency contact person, which can be considered reasonable and legal.

1. Is it legal to send text messages to your family after the online loan is overdue?

It is illegal to send text messages to family members after the online loan is overdue.

After the online loan is overdue, it is unreasonable for the loan company and the third party to urge the company to send text messages and call relatives, which is suspected of infringing on personal privacy. They can collect evidence to make complaints and reports. My online loan is overdue and has nothing to do with others. If it is the telephone number of the emergency contact registered by the borrower when handling the loan, you can dial it or send a reminder message. You can't dial if you don't have an appointment.

Second, what are the consequences of overdue online loans?

1, and bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high.

2. Undertake the collection of the platform in various ways.

3. Facing the crisis of national trust.

Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other.

The credit report of China People's Bank is tainted.

At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains.

The defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, the online lending platform may bring a lawsuit to the court and demand a judgment for repayment.

Third, what should I do if I can't afford the credit card online loan?

If neither the credit card nor the online loan can be repaid, the parties concerned can handle it in the following ways:

1. Apply for installment or extension.

Compared with the risk of not paying back at all, it shows a good willingness to repay, and it is also negotiable to apply to the lending institution for installment or extension.

2. Ask relatives for help.

If you really can't afford it, you can ask your relatives and friends for help. After all, this kind of thing is not fun. I believe yamen can understand and lend a helping hand to solve their temporary difficulties.

3. You can use the credit card flexibly to repay.

If the repayment amount you owe is not very high, you can choose to repay by credit card, try to repay with the funds in your usual living expenses, and try to use credit card for your usual consumption, which is equivalent to paying back money indirectly by credit card.

Find a friend to pay the bill.

This is the time to fight for character. Talking about money hurts feelings. If you really have no money to pay back, you can ask your relatives and friends to pay back, but this friend or relative must be willing to help himself and remember to pay back the money. It's better to write an iou, and don't be a person without credit.

5. Try a mortgage.

If you owe too much and can't borrow money, you want to avoid the trouble of urging loans. If you have a house and a car, you can consider taking a mortgage loan, which can help you in an emergency. Generally, you can get a mortgage loan quickly and get a lot of loans, but it also depends on the value of your collateral.

If the credit card is overdue, it will be collected. Generally, it will be collected by SMS or telephone. If the phone number of the emergency contact is reserved, a text message will be sent to the contact. Therefore, whether it is legal for online lending institutions to send text messages to their families depends on whether there are reserved telephones. If not, the existing treatment is illegal.