Joke Collection Website - Blessing messages - The collection information does not indicate what institution it is.

The collection information does not indicate what institution it is.

It is illegal to receive text messages.

Some collection companies still contact by telephone, mainly to remind, urge and negotiate. Some collectors' behaviors are still illegal, such as intimidation, abuse, putting up posters, throwing paint and illegal detention.

1. In case of collection, you should take the initiative to pay the arrears of principal and interest, and take the initiative to call to explain that you are not malicious. Overdue due to reasons other than your own, but caused by a third-party institution, such as the annual fee generated by the inactive credit card, can let the bank issue a non-malicious overdue certificate. With this certificate, the loan application and bid will not be affected; Some banks have their own time tolerance policies. If you can pay the arrears and overdue fines within 1-3 natural days, these overdue payments will not be recorded in the credit information;

2. However, different banks have different regulations on time repayment, so Weizhen still advises you not to take this risk; If it is an overdue record generated by a credit card, don't cancel the card immediately, but continue to use it. The reason is that credit card repayment will show the rolling record of the last 24 months in the credit report. If you continue to use it, the overdue period of 24 months ago will be cleared, and once the card is cancelled, it will be kept there for a long time.

legal ground

People's Republic of China (PRC) Civil Procedure Law

Article 101 If an interested party fails to apply for preservation immediately due to an emergency, which will cause irreparable damage to his legitimate rights and interests, he may apply to the people's court where the property to be preserved is located, where the respondent has his domicile or has jurisdiction for preservation measures before bringing a lawsuit or applying for arbitration. The applicant shall provide a guarantee. If no guarantee is provided, the application will be rejected. After accepting the application, the people's court must make a ruling within 48 hours; Those ordered to take protective measures shall be executed immediately. If the applicant fails to bring a lawsuit or apply for arbitration according to law within 30 days after the people's court takes the preservation measures, the people's court shall lift the preservation.