How to go through the process of overdue prosecution?

Legal analysis: 1, telephone, SMS reminder

Within one week after everyone is overdue, 360 IOUs will remind everyone to repay in time by phone or SMS. During this time, various tips are actually not collections, just reminders.

2. Officially enter the collection stage.

After everyone is overdue for 1 week, more and more calls and text messages will be received, which marks the official entry into the collection stage. If the borrower solves communication during the collection period, or even plays "out of thin air", then 360 IOUs will contact the borrower's family and friends to find the borrower's whereabouts for collection.

3. Prosecution stage

For those who have the ability to repay, but refuse to repay, 360 IOUs will consider suing. Once the court decides that the borrower repays the loan according to the contract, the 360 IOU can apply to the court for enforcement.

To sum up, 360 IOUs will not easily bring a lawsuit to the court. If everyone can actively cooperate with the repayment, then they can avoid being sued.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 119 A 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.

Article 120 A complaint shall be submitted to the people's court, and copies shall be submitted according to the number of defendants.

If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.