My dad's credit card debt of 654.38 million+is overdue. Now I have received a short message from the Economic Investigation Brigade. What should I do?

Your father owes a credit card account100000 yuan. It is best to actively communicate with the bank staff (collection department or legal department) of the credit card center of the issuing bank to reach a settlement.

If you keep dodging, refusing to answer the phone call from the bank and not paying back, and your father's credit card debt has exceeded 50 thousand yuan,

Once the bank reports the case, your father will be summoned by the economic crime investigation department of the public security organ for investigation and handling on suspicion of "credit card fraud" in Article 196 of the Criminal Law of People's Republic of China (PRC).

However, when the economic crime investigation department of the public security organ summons the criminal suspect suspected of credit card fraud according to law,

Will take the following ways;

One; For verbal summons by telephone, the police in the economic investigation department will call your father. First of all, the police will tell your father his surname, telephone number, the unit and department he belongs to, briefly explain the problems your father is involved in, and inform your father to go to the public security organ to cooperate with the investigation at the specified time. If your father refuses to answer the phone or the phone stops, the police can also call his family and ask them to inform him on his behalf. Now is the era of smart public security big data. The police obtained the contact information of the suspect's family through your father's ID card information and the public security big data system. Every minute,

Second; House-to-house summons,

Generally, more than two policemen (or a policeman and an auxiliary policeman) from the case-handling department summon the suspect to the suspect's house with a summons card issued by the legal department of the public security organ.

Third; Search warrant,

The public security organ may forcibly summon a suspect who refuses to be summoned orally by telephone or comes to the door with a summons card, that is, compulsory summons.

More than two policemen in the case-handling department came to the door with a summons card, handcuffed the suspects involved in the case who refused to be summoned and forcibly brought them back to the public security organs for investigation.

The public security organ will not inform and discuss the specific case in detail with the criminal suspect or his family members on the phone, and will not send text messages to his family members.

Therefore, the short message you received from the Economic Investigation Department was sent to you by a third-party collection company in the name of posing as the people's police of the public security organ. You should keep the SMS evidence and report the case to the public security organ in time.

To tell you clearly, the economic investigation will not call you, nor will it send a text message. It is just a means of collection. Prepare the evidence and counterclaim the collector. I've never heard of police telling each other before arresting people.

Don't be afraid, it's a short message from the collection. SMS screenshots leave evidence. If the fixed amount of a single card exceeds 5 W, it may be sued by the bank.

What should you do? All you have to do is tell your dad to make sure it's really a phone call from the economic investigation.

If not, keep the relevant evidence and call the police to tell the bank to pose as an identity and threaten you. If so, the bank has reported your father's malicious credit card fraud to the Public Security Bureau and summoned your father to explain the situation.

At this time, you must go to the public security bureau to explain your overdue situation and put forward your repayment opinions. If ignored, the public security will transfer the case to the procuratorate for prosecution. This is a criminal case, and you will be sentenced to jail.

If it really comes to this, there is no need to panic. At this time, you must ask a lawyer to defend you. Mainly around several aspects of credit card malicious overdraft defense. First, there is no forgery of credit cards, and second, there is no credit card that overdraws cash knowing that it is unable to repay. Third, there is no case where the bank deliberately fails to answer the phone and loses contact when collecting money. The fourth is to issue personal debt, no source of income, poverty certificate, unemployment certificate or poverty certificate due to sudden illness. Fifth, we must express it strongly and fully. No matter what we talk about now, we must fulfill our repayment obligations and hope to reach a repayment agreement through consultation with the bank.

The key and skill of communication is that when your father talks with the court of public security procuratorate, he must make them give enough sympathy and understanding to your father's present situation. The consequence of this is that they will communicate with the court more from your point of view and maximize the negotiation between your father and the bank. For judges, prosecutors and police, the pre-trial reconciliation of cases is the best of their job evaluation indicators. Besides, the bank told your father that the ultimate goal is to repay the debt, and he is willing to negotiate, so the result reached through negotiation is most beneficial to your father. The whole thing is not good, as long as you pay the principal and then pay a very small part of the interest, and the number of installments is still the longest 60.

Anyway, the police summoned your father to check the situation. It must be that the bank reported the case to the public security organ, and your father's credit card fraud request was filed, and the bank must also grasp and provide relevant evidence. If your father understands one or two of these things, he will take the initiative to defend you. As you, be yourself, give your father some pertinent and benign advice, say less negative words and temper that don't solve the problem, and encourage him to face the problem bravely. Debt is not terrible, and the poorest thing is begging. As long as people are willing to work hard before they die, the debt will be paid off one day.

You can keep all this evidence. I was in the same situation. My wife really took me to the Economic Investigation Brigade, and we also met the case handlers. The police directly said that we both had problems. If we want to arrest you, do you think we will inform you in advance? Tell you to run? You call this bank directly and tell him that you want to sue. Their tactics belong to intimidation.

If you are a good father, you might as well share it with him silently. Don't panic. If you are an incompetent father, take care of your life, believe in cause and effect, and everyone is responsible for his actions.

Find the old man alone to confirm whether it is true or not. If not, don't worry. If the debt is confirmed, let your old man tell the truth. It is estimated that the pit is more than 65438+ 10,000, so be prepared.

My dad's credit card debt of 654.38 million+is overdue. Now I have received a short message from the Economic Investigation Brigade. What should I do?

First of all, we must understand whether it is a real economic investigation notice or a routine of a collection agency. Generally speaking, the economic investigation will not inform the parties by SMS, nor by personal mobile phone, but by the office landline of the economic investigation. Therefore, if it is a SMS notification, the high probability is the flicker of the collector.

If it is really a notice of investigation, it is speculated that most of the parties are qualified to file a case for credit card fraud.

1. The conditions for filing the crime of credit card fraud are: the credit card is overdrawn, the single card is more than 50,000 yuan, and the card issuer refuses to repay the money after more than two effective collections, which constitutes the crime of credit card fraud. Generally, it is fixed-term imprisonment of less than five years.

credit card

2. Interpret the above provisions in a popular way. First, the overdraft amount exceeds 50,000; The second bank repeatedly urged money, but the parties ignored it; Third, it has been some time.

3, understand the above content, the rest is easy to say.

First, don't think that credit cards can be overdrawn at will. If the amount is large and refuses to repay, the bank will never let it go.

Second, after the credit card is overdrawn, don't think that hiding will be fine. Instead, it will create conditions for you to be investigated for criminal responsibility. For example, refusing to answer the phone, changing residence without informing the bank, and not paying the principal and interest for a long time.

Third, as far as the current situation is concerned, it is suggested that the parties concerned should negotiate with the issuing bank in time to solve problems, such as installment repayment, and so on. If the parties have the sincerity to return part of it first and the rest will be settled through consultation, the bank will agree in most cases.

Fourth, as long as the two sides reach an agreement, the bank can withdraw the lawsuit, and whether to pursue criminal responsibility depends mainly on the attitude of the bank. Therefore, the parties concerned should not stick to their own opinions and take action to solve the problem as soon as possible, otherwise, it is not impossible to go to prison for several years.

Don't be afraid, as long as the money is used for normal consumption, there is no problem of going to jail. Actively cooperate. They just want to know the situation. At best, they advised your father to pay back the money as soon as possible. Of course, you have to pay back the money. No money, nothing to do. Just make it clear. Pay back if you have money, and it's no big deal to sue. At most, you will be sentenced to pay back the money, and then the court will apply for enforcement for two years. The most important thing to remember is not to lose contact and change the phone, so as not to be accused by the bank of "suspected credit card fraud". Some people are bad, and then face it positively. As long as you have an optimistic and positive attitude, you can tide over the difficulties.