If you sign for the mail, you will bear the consequences.

For the creditor's rights that have exceeded the limitation of action, the creditor sends a debt collection letter to the debtor. Although the debtor has signed the debt collection letter, it only means that the debt collection letter has been received, and the legal consequences of reconfirming the original debt cannot occur.

If you don't repay in time after receiving the overdue collection letter of online loan, you will be sued by the online loan platform. After the online loan is overdue, the collection methods of the online loan platform include:

1. SMS notification: for borrowers who are overdue for less than one week;

2. Telephone inquiry: If the overdue period is about one week, those who are overdue will receive a collection call;

3. Door-to-door collection: This collection method is costly, and is generally aimed at debtors with large loan amount and long overdue time;

4. Send a lawyer's letter or dunning notice to the borrower's residence;

5. Send a court summons for prosecution.

What are the legal consequences of overdue online loans?

1, debt collection. The online lending platform will entrust relevant institutions to collect debts from debtors;

2. Being included in the list of untrustworthy persons.

3. Property is frozen or seized. Bank deposits will be frozen and their houses and cars will be seized.

4. Bear high interest. Online loans have been overdue, which will only lead to higher and higher interest, and finally bear high interest.

3. How to sue for refusing to repay the online loan after receiving the dunning letter?

1, write a civil complaint with name, gender, age, nationality, occupation, work unit, address, contact information and other information;

2. Prepare copies of the original and defendant's ID cards;

3. Prepare relevant evidence materials to prove the existence of the dispute;

4, to the people's court with jurisdiction.

4. Under what circumstances are you suspected of refusing to repay the online loan?

(1) Refusing to report or falsely report property, violating the people's court's order to restrict high consumption and related consumption, and refusing to implement it after taking compulsory measures such as fines and detention;

(2) Forging or destroying important evidence about the performance ability of the person subjected to execution, preventing others from testifying or instigating, buying or coercing others to commit perjury by means of violence, threat or bribery, and preventing the people's court from finding out the property of the person subjected to execution, so that the judgment or ruling cannot be executed;

(3) refusing to deliver the property and tickets determined by legal documents, or refusing to move out of the house or land, which makes the judgment or ruling unenforceable;

(four) collusion with others, through false litigation, false arbitration, false reconciliation and other means to hinder the execution, resulting in the judgment or ruling can not be executed;

(5) Obstructing the execution personnel from entering the execution site by violence or threat, or gathering people to make trouble or impact the execution site, so that the execution work cannot be carried out;

(6) Insulting, besieging, detaining or beating the enforcement personnel, which makes execution impossible;

(7) Damaging or robbing the data of execution cases, execution vehicles and other execution equipment, clothes of execution personnel, and official certificates, which makes execution impossible;

(8) Refusing to execute the judgment or ruling of the court, thus causing heavy losses to creditors.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis: the Supreme People's Court's Reply on the Legal Effect of the Borrower's Signature or Seal on the Dunning Notice during the Limitation Period stipulates:

"Over the period of limitation of action, the credit cooperative issued a loan notice to the borrower, and the debtor signed or sealed the notice, which was regarded as a reaffirmation of the original debt, and the relationship between creditor's rights and debts was protected by law.

"This reply confirms the legal effect of the debtor's signature (signature or seal) on the creditor's dunning notice after the expiration of the limitation period, that is, the debtor's signature behavior is a reconfirmation of the original debt." Re-confirmation of the original debt "refers to:

(1) The dunning notice sent by the creditor to the debtor clearly includes the content of debt collection during the dunning period;

(2) The debtor signs or seals the dunning notice, not just the dunning notice;

(3) The debtor has the subjective desire or objective behavior to continue to perform the debt.

Creditors send debt collection letters to debtors for claims beyond the limitation of action. Although the debtor has signed the dunning letter, it only represents that the dunning letter has been received, and it has no other legal significance.

It is completely different from the debtor's signature or seal on the dunning notice in the above reply, so it cannot be inferred that the debtor has the intention to repay the debt with limitation of action, and the legal consequences of reconfirming the original debt cannot occur.