What should I do if I receive a collect call?

There are several ways to handle collection calls.

1. As soon as the collect call came in, I asked when you would pay it back, but I just saidno. They might lend money to someone who would let you find relatives, friends and colleagues. You can say to them: I can borrow money from my relatives, friends and colleagues, and I won't lend you such usury.

2. Collectors will bomb the address book to scare you. You must not be afraid (in general, they will do the same). Just say: you can fry if you like. After the bombing, my relatives, friends and colleagues all know about my borrowing money, and they will not lend it to me again, and your money will not be paid back. But you disturb the normal life and work of others, and I can't care if others report the case.

3, if he wants to move out of any credit information that affects the loan to buy a house and so on. Just say I can't even give your company thousands of dollars. Do you think it is possible for me to afford a house? If any court sues this kind of thing, leave him alone and let him sue at once (their purpose is to ask for money). As for putting you in prison, it's a bluff. In short, don't be afraid to answer the call, but since you borrowed it, you must find a way to return it in time.

4. Letter from the police lawyer. The person who collects the money may tell you or send you an alarm letter or something. At this time you tell them that although I owe money, I have reported your threat to the police station.

I received a phone call from home asking for money. Just tell them: it's not easy for everyone, and you help people collect debts. You threaten my personal safety, and I can defend myself at any time. At that time, if anything happens to me, you will have to go to jail; What did you do to me? It's really not worth it.

6. Take the initiative to contact the company in arrears. The above is only a temporary solution, not a permanent cure. After figuring out the money owed and the money returned. Call the staff in the financial department to negotiate the amount to be returned and the way to pay back the money. People still have to pay back when they exchange money.

After the online loan is overdue, what should I do in the face of collection calls?

First of all, answer directly.

If the online loan is overdue, you must communicate with the lending institution in time to see if you can apply for deferred repayment or reduce some penalty interest, and you need to actively communicate with the platform.

Second, the specific analysis

Of course, you can also borrow money from relatives and friends, and pay back the overdue loan first, so as to avoid further expansion of overdue influence.

After the online loan is overdue, you need to bear the following consequences.

1, credit will be hurt.

2. It will be collected by the platform.

3. Penalty interest will be calculated.

4. The loan amount will be reduced.

5. The loan amount may be frozen.

6. Affect other loan applications.

7. Occupation is affected by credit information damage.

8. Will be blacklisted.

9. Affect children's further education.

10, unable to enjoy preferential loan policy.

It can be seen that loans overdue has a great influence on loans. After the loan application is successful, you should still remember to repay it on time.

Don't pin your hopes on deferred repayment or negotiated repayment, because some lending institutions don't support it.

Before formally applying for online loans, you need to carefully consider your own economic strength and borrow reasonably on the premise that your income can cover your loan expenses.

You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

Third, how to negotiate if the online loan is unable to repay after the deadline?

If the online loan cannot be repaid within the time limit, it is recommended to take the initiative to explain to the platform customer service that you are temporarily unable to repay, and prepare relevant materials to prove that you did not intentionally repay, and then try to apply for an extension of the repayment period and repayment by installments.

The platform should be considered as appropriate. If it finally agrees, it can negotiate a new repayment plan with the platform, and then repay in installments on time according to the new plan.

However, the platform may also refuse. If negotiation fails, we can only find another way, such as trying to borrow money from family and friends around us.

What everyone needs to pay attention to is that some online loans are informal and may be deliberately charging high interest. Once you find that your online loan has reached the standard of usury, you can actually choose not to pay back the fees beyond a reasonable range.

If the platform keeps dunning, it can also collect relevant evidence and report it to the local CBRC or China Internet Finance Association.

How to solve the problem that the collection phone keeps calling? Three ways to deal with collection calls easily

There are more and more platforms that can provide loans to people in the market. Many borrowers have accumulated a lot of debts because of impulsive consumption or habitual consumption in advance, which eventually leads to their inability to repay. Finally, loans overdue. After loans overdue, you will receive a reminder call. How to solve the problem that the collection phone keeps calling? Three ways to make it easy for everyone to deal with collection calls!

How to solve the problem that the collection phone keeps calling?

1, active communication

When the borrower receives a collection call, he must not blindly avoid it, which will only make more and more collection calls. What matters is the borrower's repayment attitude and willingness. The borrower can choose to contact the collector actively to show his current situation and then inform the collector of his current income.

It is best to make a more detailed repayment plan and negotiate with the collection staff. After all, the original intention of the collectors is to recover the arrears. As long as the borrower has a good repayment attitude, the collection staff will not increase the difficulty.

Step 2 be sued

If the borrower really doesn't want to be harassed by the collector, he can let the lender sue himself. When the borrower is sued, the court will organize the borrower to negotiate with the lender, and can also talk about applying for extension or interest reduction. Moreover, after being sued, the court will make corresponding adjustment measures according to the borrower's economic situation.

3. Prosecute the payee

If the collection staff keeps calling the borrower's phone, or even frequently contacts the borrower's family, friends or units, it is equivalent to "soft violence collection". Soft violence collection has been punished, and the borrower can choose recording, short message screenshot, etc. After collecting relevant evidence, he can directly sue the collector.

The above is the related content sharing of "How to solve the problem of non-stop collection", I hope it will help everyone!

How to deal with the collection call? Teach you three tricks to deal with collectors

As the party that loans overdue doesn't pay back, he basically receives debt collection messages or debt collection calls from debt collectors every day. In the face of a large number of collection calls, many borrowers directly choose to change their cards and lose contact, but this is not correct. How to deal with the collection call? Teach you three tricks to correctly handle collection calls!

How to deal with the collection call?

When you encounter a large number of collection calls, you must not escape or lose contact. You should do the following three steps.

1, calmly deal with it

After receiving the call, the borrower must answer it. No matter how bad the collector's attitude is, the borrower must keep calm and calmly deal with it. First of all, you need to express your willingness to repay, and then tell the other party about your current economic situation and ask if you can negotiate repayment. If necessary, you can record the call.

Step 2 verify each other's information

After receiving the call, the borrower must "verify the identity of the other party". Ask the other party to provide name, work number, work card, power of attorney for payment (drawer's agreement) and other payment authorization certificates. If the other party can't provide it, it is an "invalid collection". Just reply: "Since you can't prove your identity, I have no obligation to answer any of your questions".

3. Communicate with relatives and friends in advance

After loans overdue, the collection staff will probably call friends in the borrower's address book. The borrower shall communicate with relatives and friends in advance to explain the situation. If relatives and friends are harassed by telephone, they can collect evidence and choose to call the police. According to the regulations, only the debtor himself and his guarantor can be collected, and no third party unrelated to the debt can be collected.

The above is the sharing of "how to handle the collection phone", I hope it will help everyone!