What should I do if I owe online loans overdue?

If the debt is overdue and the other party comes to recover it, it is necessary to explain the actual situation of the individual and not to intensify the contradiction. It is necessary to explain the personal situation to the other party, discuss the repayment plan and solve the problem rationally. Tell the best repayment plan according to your own ability and see if the other party can accept it. If the other party is in a routine loan, which leads to deep trouble, you should call the police for help at the first time.

First, many online loans are not reliable.

Judging from the information collected on the Internet, many online loans are routine loans, and people unconsciously fall into them, often hollowed out by high interest rates, and finally their families are ruined, homeless and jailed. Even some conventional loans will use excessive behavior when urging repayment. If there is a violent collection or verbal threat during dunning, you should call the police at the first time to protect your own safety.

Second, discuss the repayment agreement with each other as soon as possible.

The repayment plan needs to be calculated according to the actual total loan amount of the other party and the market standard interest. After the repayment plan is determined, discuss with the other party. The general purpose of the collector is only to urge the money back. If the repayment plan is acceptable to the other party, then everyone will be happy. If the other party needs to charge high interest on the actual loan amount, or charge loan fees or other miscellaneous fees, it may fall into a routine loan. In this case, it is necessary to call the police for help immediately, and the police should intervene in the investigation.

Three, the rational use of loans, the use of formal channels of loans.

In our daily life, we always encounter economic difficulties. If you need a loan, you should find a formal bank or a legal institution for a loan. It is easy for us to fall into routine loans or usury. Formal borrowing is easy and the interest is reasonable, and there will be no violent collection or telephone harassment. When collecting repayment, formal institutions will also make various repayment installment concessions according to the individual's repayment ability to consider personal life. When using loans, we should reasonably consume and spend, and we should not blindly consume, which will lead to repayment difficulties and affect credit reporting.