How to deal with consumer finance collection SMS?

Verify the content of the message, keep calm, reply in time, communicate with financial institutions, make repayment plans, protect personal information, seek professional help, pay attention to personal credit records, collect evidence and report.

1, verify the message content. Read the short message carefully to understand the specific situation of overdue and repayment requirements.

2. Stay calm. When you receive the reminder, keep calm and don't panic or get emotional.

3. Respond in time. After confirming the arrears, reply to the collection message in time, explaining the repayment plan or reason.

4. Communicate with financial institutions. Communicate with the collection staff, express the willingness and difficulties of repayment, and seek suitable grace period or help.

5. Make a repayment plan. If you can't pay off in one lump sum, discuss with the collection staff to make a reasonable installment repayment plan.

6. Protect personal information. Pay attention to protect personal information security when communicating and avoid revealing sensitive information.

7. Seek professional help. If you can't handle the collection problem effectively, you can consult a professional lawyer or a debt consulting agency.

8. Pay attention to personal credit records. Repay the arrears in time to avoid the adverse impact of overdue repayment on credit records.

9. Collect evidence and report it. If consumer financial institutions are found to have sent wrong information or other improper behaviors, they shall collect evidence and report to the relevant departments in time. The above measures can help you effectively deal with short message collection of consumer finance, and maintain your capital security and credit status.