Recently, I often see online loans and credit cards overdue for help in Tik Tok. Is it true?/You don't say.

If you are a person whose online loan and credit card are overdue, you will be annoyed by daily collection calls and text messages! I am afraid that someone will come to me, that I will be sued by the court, and that my friends around me will know that you are in debt and in trouble. At this time, I suddenly saw a message on WeChat or online: Because of the epidemic, many customers are overdue due to insufficient funds, how to be harassed and how to be severely prosecuted. Our debt suspension and debt restructuring business can help customers!

As long as your credit card is overdue, we can provide you with debt restructuring services!

Five highlights of stopping payment:

First: stop violent collection;

Second: stop the growth of interest and liquidated damages;

Third: stop the bank's lawsuit;

Fourth: reduce the interest and liquidated damages related to it.

Fifth, the repayment can be divided into five years and 60 months at the longest.

Then they also provided many successful cases of credit card negotiation and staging, as well as data screenshots. Seeing this, do you think that my online loan and credit card will be saved as long as I find these service providers? Ask quickly what to do! Get rid of these rubbish quickly, so that I can live in peace.

So is it true that online loans and credit cards are overdue to help debt restructuring online? Should I let them handle it?

First of all, most of the companies that provide this service are real, and they have mushroomed in recent years. It is said that it can help you negotiate with the lender or bank to reduce the relevant interest and liquidated damages in view of the pain point of customers' overdue online loans and credit cards and fear of collection and prosecution. In most cases, you only need 12 or 36 installments, or 60 installments for up to 5 years!

Their basis is that Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that once it is overdue, it can be applied, but it must be approved by the issuing bank. Those who refuse to repay the loan for a long time may be suspected of violating the provisions of the criminal law.

According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include:

(a) the balance, structure and currency of the arrears;

(2) the repayment period, method, currency, date and repayment amount of each installment;

(three) whether to charge annual fees, interest and other fees during the repayment period;

(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;

(five) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.

The key point is: the charge is 8%- 10% of the negotiated amount. For example, if the credit card is overdue for 50,000 yuan, they will help you negotiate the repayment 1389 yuan, divided into 36 installments! The charge is 4000 -5000 yuan.

In the words of debt restructuring companies, our efforts have helped you avoid liquidated damages, penalty interests and late fees, so that you no longer worry about being collected and sued.

If your finances have recovered and you have a stable source of income every month, only this credit card is overdue, and you are too lazy to negotiate for yourself. You just want to hire someone to help you negotiate. Then, this choice is the best.

But the truth is, it can't help you solve the debt problem. They just use your fear to get rich.

Reason 1: No matter whether the online loan or credit card is overdue for 2 years, if you don't negotiate with the lender, the lender will send you a message saying that you can only repay the principal and repay it in installments. Otherwise, they will transfer these bad debts to a third party for collection at a price of 2-5 fold.

Reason 2: The premise of installment repayment is that you must have a stable source of income for 3-5 years and have money to repay every month, which is the most critical. After all, this agreement is very fragile. Once it is overdue again, the agreement will be invalid and the charging company will not care about you.

Reason 3: Usually a person's debt has collapsed, so most of the overdue is not a credit card, not a single debt. But many debts, many are overdue. When a ship has many leaks, it is impossible to stop the ship from sinking with all your energy to fill the leaks.

Reason 4: Does the debtor get better financially after paying off these debts as much as possible? No, he's still in the pit. During the three-year negotiation repayment period, the credit investigation of China People's Bank is still overdue. Even if the debt is paid off, it will take five years to automatically eliminate it. During these eight years, you still can't apply for a credit card, get a loan to buy a house or a car. And how many 8 years are there in life?

So, what's the significance of this staging result that cost thousands of dollars? Have you really solved your debt problem? I'm afraid more companies like this use your fear of expropriation and prosecution to reap your IQ tax.

After the online loan and credit card are overdue, the debt must be returned, so what is the correct way to deal with it?

Pay attention to several key points:

1, where does the repayment fund come from?

Paying off the loan with your work income means that you will be a slave to money, year after year. The best repayment funds come from the cash flow income generated by assets or the funds obtained from the purchase of asset mortgage loans. Needless to say, professionals can implement these programs, even if your credit is overdue, blacklisted, or even the court does not trust the executors.

2. What kind of repayment method is used?

One-time repayment and installment repayment are both acceptable. And the risk of one-time repayment is lower and the chips are better!

3. Can I improve my finances and make myself rich during the repayment process?

It is not a good choice to repay with work or career income, because you are only fulfilling your repayment obligations and filling the hole. If you use this money to buy an asset before each repayment, and then use the asset mortgage or the cash flow generated by the asset to pay the repayment. According to the law that people get rich by assets, if you follow this operation, your finances will be improved and you will become richer.

As a company specializing in dealing with personal and family debts, I think we should sort out the overall debts of our customers and work out a reasonable and safe solution to really help them solve their debt problems and achieve their financial goals.

So, in the face of a customer's debt, let's first assess what his worst situation is at present. Is it getting worse, or has it begun to collapse, or has it experienced the storm and started to rebuild its home?

Second, we must arrange a good financial foundation, create assets, and ensure income sources and basic living conditions.

Third, make a financial plan to achieve various goals.

Fourth, repayment arrangements, negotiations and debt restructuring operations.

Fifth, help you improve your finances during each repayment.

To tell the truth, the market for personal and family debt solutions is faced with customers who are heavily in debt and have the least money in the world. Lynch, CEO of Youzu Network, once concluded when his business failed: "You shouldn't make money from a bunch of poor people". For the operation of the company, that is to say, you only stare at the poor, charge at one time, and think about how to make money from the poor, you can't get rich. This is not a good business.

However, there is still great rigid demand in the personal and household debt market. Tens of millions of people in debt are starving, sinking in debt hell, being slaughtered by swindlers and in urgent need of help! There are many so-called companies and institutions dealing with personal and family debts in the market. What is lacking is a conscience company that is ethical, truly professional and committed to helping debtors solve problems.

Charge, charge, charge. Say the important words three times.

If there is no free service, it is generally like this. If you apply for repayment through negotiation, it means that after you are overdue, the penalty interest and other things will stop, and the unpaid money will be phased, provided that you have the money to repay, otherwise the negotiation is meaningless.

These people who want to help you negotiate with institutional banks can call them intermediaries. As for the professional level, here hehe. But tell you, the negotiation channel is smooth, and the credit card customer service phone number is that you don't need an intermediary to negotiate unless you want to spend more money.

How to charge the intermediary? Charging by credit card is not cheap, it depends on how much you owe. For example, a credit card with a limit of 200,000 will cost around 1.5 million.

Remember that there is no such thing as a free lunch, it is only responsible for helping you negotiate. Negotiation time makes you unable to pay your debts at all. They are only responsible for negotiations, and they will charge when the negotiations are completed. I can handle this negotiation by myself. I need them to negotiate. A heartless guy still has the face to live in the world.

Nine times out of ten, it's fake. Instead of taking shortcuts, be honest with your family and try to get rid of them all, or there will be endless repayment trips waiting for you, stranger. Happy New Year!

Nine and a half out of ten cheat, and there is no such thing as a free lunch.

They are waiting for people who are in trouble and blindly need a way out.

Stop loss in time, or you will get deeper and deeper.