Is the collection terrible? After reading this collection process, you are no longer afraid.

I believe that many friends who are about to be overdue or just overdue will have an inexplicable fear of the upcoming collection. When it is just overdue, as long as the phone rings, my heart will tremble and I will be particularly nervous. Because in our impression, collection and violence are always together, and violent collection always feels that collection is violent, so it adds a lot of unnecessary pressure to itself.

Let me use my experience of overdue for more than three months to talk about what kind of collection I have encountered, and also make preparations for my friends who are about to overdue.

1. Repayment reminder: 3 days before the overdue date, the bank or online lending platform will remind you by SMS. For example, the platform I use will remind me to repay three days before the repayment date.

2. Internal collection: At the early stage of overdue, it is all customer service collection within the platform. The customer service of the bank or online lending platform will call you to ask about your situation, and at the same time will urge you to repay quickly. Will say some ugly things, such as:

"Where did the money go?"

"Don't you have to pay back if you have no money?"

"What are you going to do with your arrears?" etc

At this time, the platform will also use the phone robot to collect money from you. For example, the micro-loan I used was called by the robot every day just a few days after it was overdue.

3. Initial stage of external collection: After a period of internal collection, the platform found that the effect was not satisfactory, and we did not repay the loan on time. At this point, the platform will outsource the "case" and hand it over to a third-party collection company for collection. Third party collection companies are more professional and violent. Their collection methods include but are not limited to: SMS, telephone, reminder, lawyer's letter, address book explosion, etc. According to my experience, the first call from the outside is the fiercest, and they will use momentum to contain you from the beginning. At this time, if you don't have a preliminary understanding of the collection routine, it is easy to fall into their trap.

They will collect your personal information by phone:

"Do you have a job and how much is your salary?"

"How many people are there in your family? Does your wife go to work? "

"Do you have a car?"

"Do you have a mortgage?"

They will also question and intimidate you on the phone:

"We have to go to the household registration/unit to verify the situation!"

"This is for the purpose of illegal possession, and you have to bear criminal responsibility!"

"You are raising a loan with a loan, and you have to bear legal responsibility!"

"this is a malicious breach of contract, what will happen ...! "

"Don't you want to return it?"

They will also put pressure on you in other ways:

"We suspect that your funds have been used illegally, please provide bank flow!"

"Did you go to find a friend turnover? You have no willingness to repay! "

"How much money have you raised now?"

For the above problems, friends can think about it first, or they can be psychologically prepared when facing it. Do not know how to answer, you can not answer, you can also answer according to the following logic:

"I have no obligation to answer you."

"I have no obligation to provide it to you."

"I have no money now, and I will pay it back if I have money. Now I have to work, so let's do it first! "

In short, it is better to say less, because there are many mistakes when you talk too much.

4. Late period of external collection: after a series of external collection methods, there is still no repayment. I am afraid that you, like me, really can't get the money. At this time, it will be easy for you to collect, with fewer phone calls and more text messages. I will not only text you every day, but also text your other half every day. Exploding address books is also the most common at this stage. At this point, people who are bored will start to consider negotiating repayment with the platform.

The above is the general process of collection I have experienced. Because it was the first time I was in debt, I stepped on many pits in the face of collection, and I was too scared to do anything. Looking back now, I was really stupid and naive at that time.

It is getting late. In the next issue, I will share with you the pit I stepped on when facing the collection. Welcome attention.

If you have a better idea, welcome to communicate.

Brothers in debt, come on together!