The online loan is overdue. What should I do if someone sends a text message to my home now?

The online loan is overdue. Now, if someone sends a text message to pick it up at home, first of all, everyone should stay calm. Compared with us, we didn't steal or rob, but the online loan was overdue. This is a civil dispute. Just negotiate repayment.

If the online loan is overdue, don't refuse to answer the phone call of the dunner, explain the actual situation and agree on the repayment date. If you don't answer the phone, they will bomb your family and friends, look down on you when they meet in the future, and then come to collect it. Sometimes it happens that there are guests at home and the collection comes to the door. It was embarrassing. So it's best to negotiate with it.

Don't be afraid when you come to collect money. Don't take the initiative to find fault, as long as they have done anything illegal, and give the whole video and evidence to the police in time. Now it is a society ruled by law, and no one dares to openly run amok. Door-to-door collection is also a collection method. As soon as many people hear that they are coming to the door, they are immediately scared and overwhelmed. When it comes to things, we must treat them calmly. Everything has a solution.

Door-to-door collection is risky, because they don't know whether the borrower is at home or not, and they don't know the borrower's situation, such as whether the borrower's quality is low, whether there will be an overreaction, and the borrower's physical health. In the process of collection, three people usually go together, one to take photos, one to ask and one to record. The main purpose is to find out the reasons for loans overdue and negotiate repayment. Be gentle, don't worry too much. However, there are exceptions to everything, and it is also possible to meet collectors with bad temper. However, no matter what kind of collector wants to come to the door, everyone should take several measures:

1, take self-protection measures in advance.

You should install monitoring equipment at home in advance and prepare audio and video recordings, so that if malicious collectors take some violent measures, you can defend yourself in the form of self-protection, and if there is a fight, you can call the police.

Step 2 show your attitude

Judging from the current situation, although the relevant departments have stepped up supervision of the online loan market, some platforms still have problems such as usury, beheading and violent collection. At the same time, if the other party's violent collection seriously damages its own economic interests, it requires the other party to apologize and compensate.

3. Prepare a recording pen. If it is an online loan outsourcing local collection company, people who come to the door are generally rude. At this time, borrowers need to be vigilant. You'd better prepare a recording pen. They often force borrowers to repay their loans through verbal stimulation, but they will not do it easily. At this time, if you have mastered the evidence of the other party's swearing, you can choose to call the police.