A few days overdue, I received a message saying that the materials had been sent to the judicial department.

The online loan is overdue for some time. I received a short message tonight, saying that I had mailed the prosecution information. Is it true?/You don't say.

If you don't pay it back within the time limit, you may be sued. You are generally a dunning routine, but don't underestimate it, because they will affect your life and work through more dunning methods, so you should solve the overdue problem as soon as possible.

Overdue can be handled by professional lawyers or institutions. If you are confused now and want to get out of the current predicament, you must look at the following national personal debt overdue processing center to solve the debt problem as soon as possible. Friends who have difficulties can also apply for fees after handling first, and hurry ashore!

The consequences of overdue generally have the following points:

Generate penalty interest

When a lender signs a loan contract with a lending institution, there are usually relevant clauses about loans overdue in the contract. Generally speaking, overdue loans will generate additional penalty interest, each lending institution is different, and the amount of penalty interest and the interest generated are also different. Loans will have corresponding interest and expenses, and loans overdue will lead to additional expenses, which is very uneconomical.

It is difficult to enjoy the preferential loan interest rate.

We all know that when a borrower applies for a loan in a bank, the bank will adjust the loan interest rate according to the borrower's credit record and qualification. Generally speaking, high-quality borrowers with good credit are more likely to get loans with lower interest rates. If borrowers suffer credit damage due to loans overdue, even if they get a bank loan, it is difficult to get a lower loan interest rate.

The bank sent a lawyer's letter and went to court to sue.

If you haven't paid the bill for more than 3 months, it's very serious! If the loan bank collects the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.

So how can loans overdue judge whether he has stopped suing?

Whether to prosecute really depends on the court summons or the short message notice of 12368, which has the specific time and place of the court session. If you are really uneasy, you can call 12368 to inquire, or you can search "China trial process information disclosure network" on the Internet and enter your ID number.

So under what circumstances will you go to jail after the deadline?

1, the single card amount should exceed 50,000 yuan, excluding interest and liquidated damages; (Necessary condition)

2. It conforms to the subjective intention of malicious overdraft. For example, after applying for a credit card, it will be polished once and never used again; Or if you don't have proper employment, apply other people's professional information or call the company to defraud the credit card, set it up at one time, and you won't need it if you don't repay it. (Optional condition)

3. It must be in line with "illegal possession", such as evading bank collection by hiding or changing contact information after overdraft; Withdraw and transfer funds; Gambling, whoring and other criminal activities with overdraft; (Optional condition)

4. If the bank can't prove the real use of the funds after the credit card is cashed out after the lawsuit. (Optional condition)

Among the above four points, if you continue to meet any of points 2, 3 and 4 after meeting point 1, you may be suspected of credit card fraud. If point 1 is not met, according to the regulations, credit card disputes are involved at most, which is a civil case.

The best way to overdue is to pay back the money:

1. Confess to your family and borrow money from friends and friends through IOUs.

2. Make a list of your debts and make a repayment plan.

3. Open source and reduce expenditure, increase income and rational consumption.

4. Adjust the mentality, remain optimistic and actively respond to overdue.

If it is difficult for you to repay the loan now, or you can't handle it yourself! You can go to the national overdue processing center or find a lawyer to apply for handling. You can make personalized repayment for up to 5 years according to your personal situation, and solve your problem in one week at the earliest, and you can also apply for a fee to help you land successfully after successful treatment!

The problem of overdue should not be underestimated, but there is no need to worry too much. As long as you find a reasonable solution and work hard to make money, you can always land successfully.