Is it true that online loans come to collect debts?

195 is it true that the assembly said it would come to the door?

195 assembly said it was true that it would come to the door. The online loan called to inform the family that there would be a collection staff coming to the door to collect debts. This will happen. The user's location is the location of the collection agency, and it will be collected at home. Loans overdue will receive a reminder call.

The online loan is overdue. Is it true that you called to open the door?

First of all, answer directly.

Whether online loans will be collected at home needs to be discussed in different situations:

Second, the specific analysis

1. If the amount of arrears is relatively large, the overdue time is long, and there are fewer overdue people in the company, then it may be home collection;

2. If the amount owed is small and the company owes many people, it may not be able to collect them one by one;

3. At present, online loans are rarely collected at home, and serious overdue cases are generally solved through litigation.

Now many online loans are on credit, so even if you don't accept them at home, you should repay them as soon as possible, otherwise your credit will be affected.

Third, what should I do if the online loan is overdue?

1. Pay off the debt as soon as possible.

After the online loan is overdue, you must pay off the arrears as soon as possible, because many online loans have high interest rates, and once overdue, it may cause high overdue fees. Moreover, some online loan products were collected at the meeting, or cooperated with Beijian Kuaicha, so overdue affected personal credit. Therefore, after overdue, those with repayment ability should repay as soon as possible to avoid affecting personal credit or generating high penalty interest.

2. borrow money from friends and relatives.

If the deadline is not met temporarily, you can choose to borrow money from relatives and friends to solve the urgent need. After all, the cost of overdue online loans is higher than borrowing money from friends.

3. Collect evidence.

If the online loan is violently collected or threatened after it is overdue, it is necessary to collect evidence and report it to the relevant departments when necessary.

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

First of all, answer directly.

Whether overdue loans are collected at home depends on the specific situation.

Second, the specific analysis

1. If it is overdue for only a short time, it will not come directly to the door, and the dunning is mainly to send a text message or call.

If the borrower pays off the debt in time after receiving the dunning text message or phone call, the collection will naturally stop.

2. If the overdue period is long, the loan platform does not respond to its repeated dunning, and some of them may be outsourced to a special dunning company for collection, and the dunning company is likely to come to the door.

In particular, we need to pay attention to the fact that there are many informal loan sharks, and it is very likely that loan sharks come to collect money. At that time, daily life will inevitably be disturbed.

3. Regular licensed loan platforms generally don't take the way of door-to-door collection, but if the borrower is overdue for a long time and the amount of arrears is relatively high, then the borrower can't be contacted and may contact his emergency contact person. In order to recover the money, he may even bring a lawsuit to the court and urge the borrower to repay through legal channels.

You can check your online loan big data information in Winnie Hsin. The database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate and comprehensive.

Third, did the online loan not pay off the credit union loan?

The online loan has not been paid off. As long as there is no overdue record and there is not much debt to pay off, it will not affect users' subsequent application for credit union loans.

There is no overdue record, indicating that the user's personal credit information has not been affected, and the small amount of debt indicates that the personal debt ratio is not high, and the user can apply for other loan business normally.

After users record credit information on the online loan record, they must pay attention to repayment on time. Failure to repay on time will lead to overdue records, which will directly affect the subsequent application for loans.

Is it true that online loans are collected at home?

What they said is false. Everything he said in the message was to scare the children.

There are very few online loan prosecutions, and there are even fewer door-to-door collections. What you should be wary of is illegal telecommunication collection methods, which have exploded the address book.

Let me talk about the issue of prosecution in different places. For example, your household registration is in Wenling, and people live in Hangzhou for a long time. If you want to sue, you must be in one of these two places; If that company sues in the north, Guangzhou and Shenzhen, the court has no jurisdiction. However, if there is an agreement in your loan contract where to sue in case of a dispute, you can sue in a different place according to the contract.

But under normal circumstances, creditors will not really go to court to sue because the cost is relatively high. If there is no agreement on the jurisdiction of the court in the contract, you will basically not go across Qian Shan to the court with jurisdiction in your domicile or permanent residence. Even if there is a lawyer and the lawsuit has to go to court many times, the cost and time and energy cost of prosecution in different places are also high.

And objectively, most of these loan companies outsource the collection work to specialized collection companies. What you really need to guard against is not the prosecution in different places, nor the door-to-door collection, but the collection methods such as their explosion of address books.

If the creditor sends you a message that you are being sued, it is basically false. Such as third-party telecom collection, telephone calls, etc. There is no good way; But if the other party comes to collect money, you can call the police directly. As for the trial in different places, as mentioned above, it depends on whether there is an agreement in the contract.