What happens if a person owes millions to banks, online loans and personal loans?

Hello, friends! At the end of the year, the creditors are coming out again! There are about three kinds of debts in the title: 1, bank loan or credit card! 2, online loan! 3. Private lending! The amount is huge!

Let's look at the consequences of owing to the bank! Bank loans that are overdue are likely to be blacklisted. This is the first step, and the second step is to collect them and then sue! The situation of bank loans is relatively simple. In the stages of judgment, pre-judgment, intermediate judgment and post-judgment, we can also negotiate with the bank to reduce part of the interest and repay it in installments ... If we can't reach a settlement, we will enter into compulsory ... asset auction? Lao lai restrictions? If you hide your property and don't cooperate … then you will bear certain criminal responsibility if you refuse to commit a crime …

Look at online loans again! Regular and bank are basically the same! Irregular, unable to obtain credit information, such as beheading loans, usury, all kinds of collection are inevitable ... If you can't stand it, jail is actually a safe place ... If you can stand it, the dark clouds will disperse!

Private lending depends first on interest rates. If it exceeds the annual interest rate of 36%, that is, the monthly interest rate is three points, then there is some room, because it is not protected by law ... If it is lower than three points and higher than two points, the interest can be negotiated, and it is not illegal to repay this part! But the principal and the dichotomy should be paid off! Otherwise, I will definitely ask you for it every day, which is inevitable. People from nearby, even relatives and friends! If you can't repay it, you may be sued in the end!

Comprehensive analysis shows that there are many kinds of arrears and the amount is huge, so we should strive for negotiation. On the basis of reducing the delay in installment, pay back the bank and regular money first, so as to avoid serious long-term impact on future finance, other activities and families! It may even affect children's employment and schooling ... So are online loans and private loans! Try to negotiate if you can, and if the other party violates the law, it can also be resolved through justice. In short, the types of arrears are complex and the amount is large. Consultation is the best way, and judicial channels are the last way! At the same time, it is recommended to do personal safety protection …

Owe the bank:

Malicious overdraft of credit cards, involving more than 50,000 yuan in criminal law, can be sentenced to fixed-term imprisonment and fined.

Debt, collateral in Taobao judicial auction.

Black households with credit information are prohibited from excessive consumption, and their children are not allowed to attend private schools with high fees.

Owe online loans:

Please refer to all kinds of wonderful news on the internet, but the annual interest rate higher than 36% is "usury", and the higher part has no national legal support.

Owe relatives and friends:

I have been taught all my life, and I usually leave my hometown when the hole is big.

Especially in small places, after Lao Lai ran away, many people came back outside, but the old scores of their hometown were never mentioned and never paid back. So every year when I go home on holiday, I leave in a hurry.

Thank you for your invitation.

It is worrying to see this situation. How did such a big debt come into being? I guess I'm going to jail. The people who went to the credit bureau hurt myself and my family!

Banks and online loans will be divided into two modes.

1, on the credit information system. For example, credit cards are loans usually approved by banks. Some online loans are also on the credit information system. If you don't return this, blackie. In other words, it becomes the so-called Lao Lai. If you don't pay back the money, or the credit card amount is huge, you will be sued. Will be sentenced. Suspected of credit card fraud, if there is really no money, the credit card limit will not exceed 65,438+10,000 (single sheet). But before the black households ran away, the bank came to you. Repayment can be negotiated. There is no interest, only the principal. Of course, this is really a situation where there is no money to run.

2, not on the credit system. What no bank can afford is basically online loans or micro-credit loans. Most of these will be outsourced to dunning companies, who will take the trouble to call you and all the contacts in your address book. It is also varied, swearing, threats, SMS bombing, phone bombing. Various means to urge the company to pay.

There are two kinds of money owed to individuals.

1. There is an overdue debt. Will sue you directly. You can apply for compulsory execution if you have property.

2. No debt. May come to your house to make trouble. This is hard to say.

I personally know so much. I hope I can help you. Besides, live a good life and don't get into debt. When you are in debt, try to make money. Come on!

20 19 is a year of frequent debt crises, and even Wang Sicong is restricted from spending because of its non-payment of debts. I think there must be many such people.

In fact, whether you owe tens of thousands, hundreds of thousands or millions. First of all, see how you face this problem. Do you want to make money and continue to repay, or do you want to drag it directly into bad debts? The most important thing is to see what consequences you can or are willing to bear.

The worst result of not paying back the arrears is to bear criminal responsibility, that is, to go to jail!

If you don't even worry about going to jail, I don't think there will be any consequences. Change your mobile phone and it will be played. Then spend the money earned, wait for the bank or online lending platform to sue, and the court will open the court and then enforce it. If the debtor escapes maliciously, the court may put the debtor in prison.

And remember a key question: you can't pay your debts in prison! ! I often hear many friends say that it's okay. If you can't afford it, you can go to jail and go to jail to earn money. But now the relevant laws should have changed. No matter how much money you owe or how many years you spend in prison, the debt can't be offset. Even if you go to jail, the creditor still has the right to recover from the debtor after you come out. Never return it, never get it back. So I don't understand that jail can pay off debts.

If you can't afford to go to jail, then you need to take a series of correct countermeasures.

1. Actively negotiate with creditors and maintain a proactive repayment attitude.

In fact, due to the supervision of the relevant state departments, both banks and platforms have standardized a lot of debt collection, and there is no so-called violent collection. It is also possible to negotiate repayment. Of course, if the negotiation fails, don't worry. Because whether it is a bank or an online lending platform. They will use a third party to collect the company's collection first. As long as this collection period is over, there is basically room for discussion. Even if the bank wants to sue, there is only a civil lawsuit, and there is no so-called criminal lawsuit. The biggest problem facing the debtor is to be included in the list of people who have lost their trust. Just like Luo Yonghao and Wang Sicong.

2. Pay back the money, no matter how much, so that the creditors can see sincerity in their actions.

Of course, although there is a repayment attitude. But we should also keep up with the action and pay a little more every month, whether it is a few dollars, dozens or hundreds. Always keep a repayment behavior in action. Let the bank feel your sincerity, so as not to let the bank take extreme actions.

3. Keep a positive attitude.

When you are in deep debt crisis, it is not easy to really keep a positive attitude. People's sense of frustration, confusion and helplessness is always full of brains. This is also my personal experience. But you should know that there is only one word difference between positive and negative. But it is destined to have a different life and future. Negative face, the future will only be beyond redemption, you will be trapped in the cage of debt for life, and you will never turn over; If you face it positively, think more ways, try more and work harder, whether you will succeed in the future may be inconclusive, but at least it will increase the possibility of success.

In short, the current debt problem is not a case, so in the face of debt, friends don't have to be so desperate. Every stage of life experience is always an experience. Good and bad need us to taste. Life is not so smooth sailing, ups and downs are the real life.

Hello, I'm glad to answer your question. What happens if a person owes millions to banks, online loans and personal loans? The consequences are very serious. You will certainly be accused and prosecuted. If it is serious, you will go to jail and bear legal responsibility. Let's talk about it below.

I. Collection

If the loan is not repaid, it will definitely be collected, and the bank will only collect it through formal channels, and there will be no excessive behavior. Online loan collection is different. Using violent collection will make you fidget and seriously affect your work and life. Not only that, it will also affect your family and friends, making it impossible for you to gain a foothold in society.

Second, litigation.

If the loan owed to the bank is not repaid, the bank will file a lawsuit and resort to the court. The consequences after the lawsuit are: first, becoming a faithless person; Second, seal up, freeze and preserve all assets, including houses and bank cards; Third, sell assets and dispose of realizable assets. The fourth is detention and sentencing.

In short, if you don't repay the loan, the consequences will be very serious. You should repay the loan according to your own ability, which is a matter of course, and you should not borrow blindly. If you have the ability to borrow money, you will be irresponsible to yourself and your family, which will not only be a financial loss, but also damage your reputation and suffer from jail. Loans are risky and need to be carefully lent.

That's my answer. I hope I can help you.

bank

If the bank owes millions to the bank, it will usually go to court to sue. At this time, a civil lawsuit is needed. The court will enforce it at most, and there will be no criminal responsibility. When the court enforces it, don't refuse to enforce it. Those who have the ability to repay refuse to implement it. Article 313 of the Criminal Law: Whoever is capable of executing a judgment or written order shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also be fined. However, if it involves fraudulent loans, it will bear criminal responsibility.

Summary: As long as you don't cheat the loan and the court enforces it, don't refuse to enforce it. Without solvency, there is no criminal responsibility. But as long as the overdue banks are all individuals at the meeting, it is a stain on personal credit.

Online loan

Online lending institutions are not qualified to send credit information to others when borrowers are overdue. The High Court also clarified the applicable law of disputes in peer-to-peer lending, which is applicable to private lending, and is limited to 36% usury. More than 36% of the courts will not accept it, and the comprehensive interest rate of online loans basically exceeds 36%.

Summary: overdue online loans will basically not be used for credit reporting and will not affect personal credit. But remember one thing. Look at who gave you the loan on the loan contract. Some online lending institutions will jointly lend with financial institutions. If it is a loan issued by a formal financial institution, be cautious. In addition, online loans are subject to civil law and there will be no criminal responsibility.

personal loan

If you don't pay it back within the time limit, you won't get credit information and it won't affect your personal credit information. Lending disputes are governed by civil law, and there will be no criminal responsibility.

Whether a person owes a bank, an online loan or a personal loan, a creditor-debtor relationship is formed in essence. The principal owed and the interest in accordance with the law must be paid back. There is not an old saying that "it is only natural to pay back debts". If for various reasons, banks, online loans and personal loans are only handled differently.

After the bank loans overdue, the account manager made a collection first, but the collection was fruitless and the loan was bad. From the loan manager and account manager inside the bank to the risk management department (some banks are all asset insurance departments with different names, and they are all specialized departments for handling non-performing assets inside the bank), banks generally start litigation procedures. Then the debtor, guarantor and collateral are executed. The most important thing is that it will be recorded in personal credit information. If it is serious, it will affect the borrower's consumption and even the children's enrollment will be affected.

After the online loan is in arrears, it will be unbearable and even violently collected.

After a personal loan is not repaid, the other party will generally resort to law.

Haven't you seen the dense fine print on the credit card application form when you apply for a credit card at the bank? There is a description in the middle, which probably means that you are responsible for your lending behavior and bear unlimited joint liability.

In other words, the bank has the right to ask you to repay the money and file a lawsuit if necessary. In order to let you repay, the court will usually give you a grace period, and when the grace period is up, if you haven't repaid, you will be registered in the list of people who have broken your trust again, which is commonly known as Lao Lai. Many behaviors will be restricted.

If the bank requires enforcement, your property may also be frozen by compulsory deduction.

Just a few months ago, credit cards were punished for long-term non-repayment.