What is an explosive address book? It's just expired and I haven't experienced it. Can it explode if all the phones are deleted?

I am also a debtor, and I have been trying to pay my debts. I can share some experiences:

1. The so-called address book explosion of the collector is generally intimidation, and it is not excluded that some bad online lending companies really dare to do so. As far as I know, Doudou's money and repayment seem to be violent, and he will call the emergency contact three times a day. If you use mobile, directly ask the contact to send KTFSR to 10086, and you will receive fewer calls (SMS reminder).

2, the address book has been extracted and copied when you use the APP, so it is the same whether you delete it or not.

3. It is suggested to be frank with your family, or at least contact them urgently, so that they can understand the situation clearly so as not to worry. My dad was worried when he first called my dad. Later, I asked him to speak local dialect or not answer the phone, so as not to worry. In addition, it is recommended to install a camera at home, and 200 yuan is enough. This is used to scare the person who comes to the door and ask him to record the whole process.

4. People who borrow online loans have three anxiety hurdles and are prone to collapse. The first stage: the credit information is spent, so I borrowed and borrowed. In the end, the endless cycle, the more I owe, the more I owe, so I simply thunder, and one is not afraid of two flowers. The second stage: telephone collection, afraid of shame. In the early stage, it was basically an insider who called politely. It is recommended to call the customer service hotline actively (not many). If you want to pay back the economic repayment, you must reduce the interest rate by stages. You basically disagree. Record the evidence. In the third stage, address books and home visits are mainly for fear of shame. This is calm, and the general amount will not come to the door. The cost is too high. I have at least 50,000 platforms, and I haven't come to the door for the time being, and the number of calls is getting less and less. You can complain if you make too many phone calls, which will generally have a certain effect.

Debt is not terrible. What I am afraid of is that my mind has collapsed and I want to commit suicide. You can consider credit cards first, then WeChat Alipay, and finally online loans. You still have to return it. You must confess to your family, or you will really collapse.

You want to laugh me to death. As the joke said, I owe Alipay money, but I can't afford it. Did I uninstall Alipay, so others couldn't find me? Do you think it's possible? As soon as you borrow money, it is estimated that people will back up your address book as soon as possible.

People who are overdue for the first time often worry about all kinds of things, such as eating and sleeping badly, being under great mental pressure and feeling that they have nothing to be cute about. This is the beginning, because they haven't been exploded yet, so they are very worried, afraid of losing face when everyone knows. After more collection times, the address book is broken, you will find yourself impeccable, and even threaten you by phone, in turn, you dare to threaten others. Therefore, debt is just a process.

Breaking the address book is just to call or send messages to people you often contact and ask them to urge you to repay. If you still don't pay it back, send text messages, all kinds of lawsuits and threats. If it is not a formal big company with a central bank, such as credit card, WeChat, Alipay and so on, other small loans and so on are mostly gimmicks to scare people. Moreover, the amount of large companies is not large, and they will not come to the door, not exceeding 30,000 to 50,000. As long as people call for payment, you should negotiate well, answer positively and explain the reasons. It's usually nothing. It's unlikely to blow up all the contacts.

Delete the phone now, it's too late! ! ! It's late! ! ! !

When you apply, when you apply for a loan, you have read the address book in your mobile phone. They have copied it and deleted it after the deadline. It is too late.

If there is money to pay back, who wants to overdue? No one wants to be overdue, and anyone can repay on time. This is natural, but sometimes it is really overdue. CS dares to do anything for dunning, and blasting the address book is their favorite and the most effective means of dunning.

What is an explosive address book? Call or send text messages to people in your address book, ask them to tell you to urge you to repay the loan, and tell everyone in your address book or people you often contact about your debt. Return as soon as possible if you can. After all, even if the address book is broken, you should return it. If the address book is exploded, evidence can be obtained. It's best to communicate with friends and relatives in advance and let them record it and send it to you. Then you can complain that they illegally collect personal information and collect it violently! Usually you can stop for a few days.

We are still too young, like some experienced great gods, register a new number, and then save some numbers at will and keep them for more than half a year before borrowing them. It doesn't matter if the address book is exploded, because it is full of people we don't know, and we are all true friends and relatives.

So, if you want to keep the address book, you should return the money as soon as possible. If you really don't move, you can't keep it. Adjust your mentality. First solve the problem of food and shelter, first ensure that you are alive, and there is hope when you are alive. Adjust your mood, try to pay off your debts, and pay them off one by one. Don't let yourself rely on loans to support loans, which will only get deeper and deeper. I wish you an early landing. * * * Encourage.

The answer must be painful. Let me talk about my own experience.

/kloc-in 0/7, I borrowed 20 w's from the internet for business turnover, and the installment cost was more than 9000 yuan a month. I can handle it at first, but the goods were not sold at the end of last year, and it will be overdue for a day or two at first. I'll communicate with you in a civilized way these two days, but he won't be able to get in later, and he hasn't leaked the address book. This can only be done in a day or two.

In 18, there was no business at first, and the goods could not be returned. When the repayment date comes, I'm as anxious as a cat on hot bricks. I have to call me more than a dozen times a day, but I can't help answering it. It was really painful that day. After receiving the phone call, I began to borrow money from my friends. I call 10 times a day, but few friends really lend you money. At that time, it was a happy thing to watch the phone not ring at night. Sometimes I can still get a call after 9 pm, and I can only pretend that my grandson is not available today and must go back tomorrow. It's been about half a year.

Business has been sluggish in the second half of the year, and another repayment date has arrived. I was really helpless at that time. When I received the first call, I said I couldn't return it now, it would take some time, and then I asked how long it would take to receive it. I said a week later, but he didn't say it was impossible. I'll give you two days to deal with it yourself. I said there was nothing I could do these two days, so he hung up. Until the third day, I was still curious why I didn't rush. I was followed by phone calls from relatives, family, friends and customers, saying that I borrowed money there and didn't pay it back. Now, this call has been sent to them. Maybe at this time, you will feel that you are really a failure and completely lose face in front of relatives and friends. I will feel embarrassed when I see you in the future, and I feel a little lower than others.

Many people will say how to know the phone number inside. That's because when you borrow money, they have copied your address book, so they all know whose name and phone number are saved. The above one is a little more civilized, and there is a kind of violent collection, which is even more terrible. There are all short messages that scold your family, and they are all sent to your family's mobile phone. At this time, I think everyone who has just experienced it will collapse.

There is also a suggestion that the landlord delete the phone number. What you're doing now is a little mysterious. It's no use deleting them now, because they copied those numbers when you borrowed money. Even if you restore your mobile phone, they still have these numbers. Another is that they will look at your phone records, and they will harass those people as long as you call that number, so don't think so.

Now the state uses violent means to promote income into the criminal law, and the collection will not be as violent as before. Because there are many cases of death caused by violence, the state is also regulating management, but the real source is ourselves, and it is only natural to pay back debts. After answering the phone, we can't afford to give them time, and then we can only negotiate with them to repay the principal. When we have an idea, we can solve it once and for all, and we can't hide it.

Finally, talk about rational consumption. Don't touch things you shouldn't touch. You can earn and spend as much as you want. Online lending will only get deeper and deeper, and there are many examples of broken families and separated wives.

Copy all the numbers when you fill in the information, so don't be afraid of overdue. Face it bravely, you can't pay back without money. Don't cry to the collector, it's no use. Collectors are inhuman. You can answer the phone if you want, and it doesn't matter if you don't. I'm 200 days overdue now, so my phone is turned off. Whatever you like. Civil disputes. Living is the most important thing. Yes, the final prosecution is also a negotiation. Those companies want you to pay back the money. I don't want to do anything to you.

Let's go Hold on.

When you fill in the information, it has been read. It's no use deleting it now. Want to save face, can't wait to find a hole to put it in. If you have nothing to read, shameless, the address book is very interesting.

I really regret that I didn't delete the address book when I applied for online loan. The number should be fake. Now I'm afraid I'm overdue and others will find out and harass others.

Because when you borrow money, the platform has copied your address book, and when you delete all the calls, it is too late. The only way is to change all the address books, then borrow them and cover them with fake address books. Alipay will find an emergency contact through big data sorting, so you should be prepared.

It's no use deleting it. He will search your phone records for the past three months ... take your ID card to the business hall and ask to stop any behavior that can access the address book. These are all authorized when I usually install some software.

1. First of all, how is the address book known to the collection? Before lending money to you, online loan companies must plan out what means they should use to ask you for money in case you don't pay it back. After all, online loans are not like bank loans, but also need mortgages or guarantees. Banks are not afraid that you will not pay them back.

However, online lending is completely different. They don't have a particularly effective dunning channel, so blasting the address book is the most effective means. Generally, when you start downloading the online loan APP, it will ask to read your address book, that is to say, all the contacts in your mobile phone address book are available to the other party, and even through your authorized communication operator, they can know which contacts you have contacted, contact times, time, call frequency and so on. After lending you money, it's no use deleting all your mobile phone contacts, because the other party has downloaded your address book before that. Then some people will ask: is it not good to delete the address book before the loan? This will not work. The other party will lend you money only when they know your address book. Remember, what you buy will never sell!

2. So, how terrible is it to explode the address book? When your online loan is overdue, you will usually contact yourself at the beginning of collection, or to put it mildly, you will be consulted. But if you say that you have no repayment ability, his tone will get worse and worse, asking you to repay immediately or limiting you to pay it off in a few days.

If you haven't paid it back after the deadline he gave you, then you can wait for the storm.

They usually contact your immediate family members first, such as your father, mother, brothers and sisters, who are close to you. After all, it is best for these people to help you pay back the money. They will threaten your family, and if they don't repay, they will join the blacklist of credit information (in fact, most online loans will not check personal credit information after they are overdue). Most of the older generation pay more attention to credit. If the family here can pay you back the money, everything will be fine.

If you can't get in touch with your family, the collection staff will start calling people who are in close contact with you, that is, people who talk to you frequently. These people are usually colleagues, classmates, friends or leaders. The collection quality is high or low. When we meet someone with low quality, we pick up the phone and scold each other before we start to say that our friends owe us money. Do you think your friend is angry? Will your friends contact you? Is it enough for a friend to answer several such calls a day? Call them, then they call you. You can't give up all your friends, can you?

Business partners, leaders or colleagues may also be involved in the address book, so they are likely to lose their jobs.

At that time, it was not just the relationship between family, relatives and friends. It is likely to be squeezed out by business partners.

In addition, many debtors' mentality is hit, their will is suppressed, they suffer from depression, and suicide cases are common.

3. How to prevent the address book from being exploded? It is actually very difficult to really prevent the address book from being exploded, but it is not without methods. Some people say yes after trying, others say no, and everyone can adjust according to their own situation.

Call the collection, be sure to answer it, and let the collection know that you are willing to repay, not want to breach the contract.

When overdue or just overdue, please actively seek the loan platform to negotiate and make a new repayment plan. In this way, the platform will no longer accept you, and naturally it will not explode the address book.

Inform your relatives and friends in advance

The so-called first strike is strong. Before breaking the address book, tell the relatives and friends about it, make it clear, and then let them ignore it. Even if the address book bursts, it won't have much impact.

As for the realization of explosion-proof address book through technical means, the possibility is almost zero.