Will Yin Bao be prosecuted for overdue consumer finance?

Legal analysis: After the platform you borrowed goes bankrupt, all the assets and liabilities of the platform will be packaged and transferred to another company to take over, but for you, it is only a creditor, so you still have to face the problem of repayment. Of course, if you really can't afford it, you can only pay it for the time being, but you should be prepared to deal with the collection and bombing. If you can't keep up with this kind of trouble, it is also worth considering to entrust the debt directly to a professional third party. On the one hand, it can help you deal with the collection problem and relieve the trouble, on the other hand, it can avoid the legal risk of being sued. You can put it down and make money with peace of mind When you earn enough principal owed to the platform, your entrusted agent will help you negotiate to replace the principal and reduce the penalty interest. This is an effective way to deal with the debt problem, so as to avoid shortage. I hope it helps you.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC), the prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.