Is it true that you sent me a text message telling me that my finances are one year overdue?

Of course it's true. Now many online loans will be sued, so at this time, you should pay back the arrears as soon as possible, and don't bring yourself some unnecessary trouble.

After the overdue period, call the mother's financial customer service center to find out the reasons, difficulties and monthly repayment ability. It is generally no problem to negotiate several times at a time. Monthly repayment can be negotiated between 500- 1000. If it is confirmed that the amount owed exceeds the repayment ability and the debtor is still willing to repay, the lender can negotiate with the debtor on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement is 5 years and 60 months, which can reduce the repayment pressure, stop the increase of monthly penalty interest, stop the collection and exemption from litigation, and return to normal work and life!

What are the consequences of overdue?

1, the credit report is tainted, and it is impossible to apply for bank mortgage and car loan in the future. Even regular financial companies will shut you out, that is to say, if your credit report is broken, banks or loan companies will basically ignore you in the future.

2. Work may be affected. At present, civil servants, enterprises and institutions and other institutions that work well will check personal credit information. If there is something wrong with your credit information, it will undoubtedly be affected. (Ordinary work, nothing, no one checks you)

3. There will be crazy collections. If the debt is not repaid, the bank will entrust a collection company to collect it. In addition to bombing you with high-frequency phones, the collection company may also send staff to your home, and so on, which will have a very bad impact on your life and work, as well as on your family and friends.

You may be sued. If the amount is too large, it may be sued by the bank. People often say nothing on the internet. Here I tell you responsibly that it may be true that you are all right. I believe that more than 99% of credit card arrears cases will not be prosecuted (I will explain why they are not prosecuted later), but not prosecuting you does not mean that banks are not qualified to sue you. This possibility exists.

5. It may be that Lao Lai is restricted from doing high-speed rail. If he is sued by the bank, he still can't repay the loan. He may be included in the "list of people who have lost their trust" and become an old lai, unable to take the high-speed train, unable to stay in the hotel and restricted from leaving the country.

To sum up, to sum up briefly, there are three main consequences of overdue credit cards: 1, credit stain, 2, crazy collection, and 3, possible prosecution.