Do you want to reply to the message? Distinguish whether these can be returned.

Once loans overdue fails to repay the loan, the lender will often receive a collection message from the lending institution. Some people may forget to pay it back, and some people may not be able to pay it back. For whatever reason, should they reply to the reminder message? You can look at the reasons for your overdue and the content of the other party's short message, and then give you a simple analysis.

Do you want to reply to the message?

1. I forgot to return it after the deadline. No need to reply.

In this case, it's not that I have no repayment ability, but that I accidentally forgot and missed the repayment date. So I just need to log on to the loan platform at the first time and pay off the debt quickly. Then the other party's collection message can be regarded as achieving the purpose, and naturally there is no need to reply, which is equivalent to a reminder.

2 overdue unable to repay, you can reply.

Generally speaking, in addition to informing the overdue situation, the content of the collection message will also write a sentence "If you need help, please call * * *" at the end, which means that it can provide an opportunity for negotiation, so you can reply. According to their own economic conditions and repayment ability, explain the special circumstances and reasons, strive for a grace period and agree on the repayment time.

3. The content of the collection message is illegal, so there is no need to reply.

Illegal content means that the personal safety and reputation of the lender are affected by intimidation, threats, abuse and other violent collection methods, so such short messages can be used as evidence, fed back to the relevant departments, or directly reported to the police. It is more important to protect your rights and interests first, and don't make any compromise reply.

The above is about "Do you want to reply to the text message". You should know that SMS reply is not mandatory, and the final decision is up to you.