Bai Hua received a letter from a lawyer after the deadline, was he prosecuted?

1. Is it true that you were sued after receiving SMS and lawyer's letter?

Dunning letters, warning letters and various dunning messages have no legal effect. They are reminders of repayment as soon as possible, and only play a role of supervision. For example, these messages are not necessarily true, especially at the end of the message: unsubscribe from T, so don't reply, let alone reply to T. If you reply, you won't unsubscribe, but there will be more calls and messages in the future. These are the tricks of collection. On the one hand, they put pressure on us, on the other hand, they are also testing whether we are still using this mobile phone number.

Second, what should I do if I am worried that I will really be sued?

You can check whether a judgment has been made in the official account of the Supreme People's Court WeChat, select the judgment document network to check whether a lawsuit has been filed, select the process information disclosure network to check whether it has been executed, select the execution information disclosure network, and then enter personal information to check.

If we receive a short message from 12368, or a short message ending with 12368 saying that our case has been prosecuted, it is true, because this is the official number of the judicial service, and it is impossible to forge it.

Third, how can we not be confiscated and prosecuted?

First of all, let me tell you clearly that there is no other way to avoid being sued except normal repayment, one-time repayment and negotiation with financial institutions to reach a new repayment plan.

Most people don't have the conditions to settle the repayment in one lump sum, so we can choose to negotiate, do the installment and postpone.

Credit cards can be divided into stages, up to 60 periods. Online loans can be extended, generally 1 to 3 years. For example, the transportation card is divided into 60 installments of 30,000 yuan, which can be returned to 500 yuan every month. Alipay can postpone repayment 1 to 3 years, and micro-loans can be repaid in installments. After the negotiation is successful, we don't have to pay it back for the time being, so that we have enough time to make money and repay it, and the pressure is much less. Interest and liquidated damages have been avoided and collection has stopped. There is no need to waste money to support the loan. Every penny returned every month can reduce the principal owed. Not all banks' credit cards and online loans can be negotiated, nor can we negotiate ourselves, or just find an institution and legal affairs to help us negotiate. We need to keep our eyes open.