Sue online loans, send text messages, drop charges, and call back.

1. What should I do if I receive the prosecution message after the online loan is overdue?

If loans overdue receives the short message of prosecution, it is suggested that the customer pay off the arrears quickly, so that the loan handling bank (lending institution and platform) will naturally withdraw the lawsuit; If no lawsuit has been filed, no lawsuit will be filed.

If the loan cannot be repaid temporarily, customers are also advised to repay as much as possible, so that banks (lending institutions and platforms) can see their positive repayment attitude, and then they can try to negotiate with banks (lending institutions and platforms) to see if they can apply for extending the repayment period and repay the arrears in installments.

As long as the court has not accepted the judgment, most banks (lending institutions and platforms) will consider it as appropriate after receiving the customer's request for extension. As long as an agreement can be reached in the end, the lawsuit will naturally be withdrawn, and the customer will carefully discuss a suitable repayment plan with the other party according to his own economic situation, and then repay the arrears in installments on time according to the new repayment plan.

Of course, it is best for customers to develop the good habit of paying back on time and try to avoid overdue. Usually, we should also carefully consider the economic situation of our repayment ability, and don't blindly borrow too much, which will eventually lead to the inability to repay.

Second, what will happen if the online loan is overdue?

1, telephone and door-to-door reminder

Generally speaking, if the final repayment date is more than three days, the lending institution still fails to wait until the repayment amount appears, and will call the borrower for information. Of course, borrowers can also take this opportunity to tell the truth and play a sympathy card for the grace period of repayment. However, if the arrears are delayed again and again, the lending institutions will no longer have hope. Only when they are disappointed, the next action is likely to be door-to-door collection.

2. Bring a lawsuit to the court

If the collection fails, the lending institution will take out legal weapons to safeguard its rights and interests. Under the way of mortgage loan, the court will advocate the auction of collateral, and the proceeds from the auction will be used to repay the remaining principal and interest, attorney fees, legal fees and other expenses in priority. If there is any surplus, it will be returned to the borrower in full. This is an easy process, but it may not be easy to do. It will take at least three months to cash in the assets. During this period, the borrower can raise funds to win the battle for assets, and use the funds to withdraw the lawsuit from the lending institution. With the convergence of credit loans, borrowers still cannot escape legal sanctions and need to repay loans with assets in their own names.

3. Personal credit is damaged.

Once a borrower has a loan transaction with a bank, all repayment behaviors will be recorded by the central bank's credit information system and truthfully reflected in the credit information report.

If the online loan is overdue for more than three months, you will face the risk of being sued. After receiving the prosecution message, you must pay off the loan in time. Even if it hasn't arrived yet, you need to consult the online lending platform, so as to ensure that your overdue interest will not be too serious and your credit will not be affected. So, you must repay it in time.