Pat the loan and send a text message saying that he would come to visit.

1, the loan is collected at home. If the borrower is overdue for too long, more than two or three months,

2. When the loan is auctioned, a collection specialist will be sent to collect it. Door-to-door collection will not only affect yourself, but also have a great impact on the family's reputation and word of mouth. In addition to these, the borrower has to bear a high overdue fee, which will be uploaded to the personal credit report and tarnish your credit. Expansion: Bank loans overdue is about to be sued;

_ 1 Bank loans overdue can bring a lawsuit to the court within 90 days. If the bank loan is not repaid, the bank will usually make three collections first. If it is still unpaid after three collections, the bank can sue in court. The loan owed to the bank is a loan contract dispute. Regardless of the amount, banks can go to court to sue. If the court decides not to repay the loan in the future, the bank may apply to the court for enforcement, including freezing the bank's assets and sealing up the property.

__2 According to Article 33 of the General Principles of Loans in People's Republic of China (PRC), the lender shall establish and improve the loan quality supervision system, and classify, register, evaluate and collect non-performing loans. Article 37 Collection and write-off of non-performing loans: The Credit Department is responsible for the collection of non-performing loans, and the Audit Department is responsible for the collection inspection. The lender shall withdraw the bad debt reserve in accordance with the relevant provisions of the state, and write off the bad debt loans in accordance with the conditions and procedures for writing off bad debts. Without the approval of the State Council, the lender may not waive the loan. Except with the approval of the State Council, no unit or individual may force the lender to waive the loan. Article 255 of the Civil Procedure Law of People's Republic of China (PRC) stipulates that if the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may take or notify the relevant units to assist in taking measures to restrict his exit from the country, record them in the credit information system, and publish the information of non-performance of obligations and other measures stipulated by law through the media.