Loans overdue received a text message for no reason.

1. Negotiate with the overdue platform to extend the use of the extension time to raise repayment funds.

2. Tell your family the truth. In this case, only your family can help you for free and borrow money from your friends to make up for the debt.

3. Mortgage the assets on hand to repay the loan, and reduce the credit and property losses caused by overdue.

4. Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Article 26 If the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

5. The interest agreement between the borrower and the borrower that the interest rate exceeds the annual interest rate of 36 is invalid. The people's court shall support the borrower's request to the lender to return the interest paid in excess of 36% per annum.

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1. Is it legal to send malicious short messages through online loans?

1. In the process of collection, some collectors' behaviors are still illegal, and these abusive and threatening behaviors still exist. Intimidation, verbal abuse, posting posters, painting and illegal detention are absolutely unacceptable. In the process of collection, it is illegal to disclose the debtor's loan information or other information to a third party at will.

2. Secondly, how to correctly use the law to protect the legitimate rights and interests of collectives and individuals in the process of expropriation. The nature of P2P loan service platform and small loan company is different, and the law on which the legal judgment is based is also different when the overdue person files a lawsuit.

3. If the money borrowed through the P2P loan service platform violates the loan agreement with the lender, the legal basis for bringing a lawsuit is Article 224 of the Criminal Law: for the purpose of illegal possession, in the process of signing and performing a contract, fraudulent means such as fictional facts or concealing the truth are adopted to defraud the parties' property, and the behavior with a large amount is called "contract fraud".

Second, the consequences of malicious non-repayment of online loans:

Bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.