The online loan is overdue, will the collection really come to the door? How to deal with it?

According to China's relevant laws and regulations and collection industry practices, overdue collection of online loans may come to the door. The following are suggestions for dealing with overdue online loans:

1. Start communicating with creditors: contact creditors as soon as possible, explain your own situation, try your best to reach an agreement and discuss the repayment plan. Actively cooperating with creditors may help avoid door-to-door collection.

2. Understand collection laws and regulations: "People's Republic of China (PRC) Collection Regulations" and other relevant laws and regulations stipulate the protection of the rights and interests of debtors and creditors and the scope and norms of collection behavior. Know your rights and interests, and be able to handle the collection behavior reasonably.

3. Maintain personal privacy: verify the authenticity of any collection agency and ensure the safety when providing personal information. Avoid sharing sensitive information such as personal loan contracts and account information with strangers.

4. Seek professional legal help: If you encounter disputes in the collection process, it is recommended to consult a professional lawyer to safeguard your legitimate rights and interests.

If users want to check their own credit, but they are worried that too many inquiries will affect their credit information, they can go to Xin Ying Express to get their own big data credit information report, and their inquiry operation will not be displayed on the credit information report, which will not affect the inquirer's loan application. At the same time, you can also check your comprehensive credit score and check the risks in time.

Summary: overdue collection of online loans may come to the door, but overdue debtors can respond by actively communicating with creditors, understanding relevant laws and regulations, maintaining personal privacy, and seeking professional legal help. It is also important to know your credit status in time. On the premise of legal compliance, choose the appropriate way to query the credit report.