Will you sue if Dou's installment payment is overdue?

If the installment is overdue for more than three months, it will be deemed as malicious overdue. At this time, regardless of the overdue amount, there is a possibility of prosecution. There is also a special case where the overdue amount is large. When the overdue amount is large, the right to sue can still be reserved according to the provisions of the contract if it is less than 3 months. Therefore, it is recommended that users should not be overdue for more than three months. If the user still fails to repay the debt after receiving a collection text message or phone call, the service provider will send a collection notice letter. Usually, when this happens, they are preparing for future prosecution. Please develop good repayment habits and repay on time to avoid being sued overdue.

Tricks for negotiating overdue repayment, three steps for negotiating interest-free installments:

1. Prepare your materials, proof of your liabilities and income, and give them to the bank or Online loan platforms generally provide credit reports, income certificates issued by companies or units, etc. to prove that you have stable repayment ability.

2. What kind of repayment plan do you give to the bank or online loan platform? For example, if you want to pay in 12 installments, 24 installments, 30 installments, 48 ??installments, 60 installments, the maximum is 60 installments. How much is the one-term repayment? It must be specific to the detailed figures. This plan must be reasonable and acceptable to you and acceptable to banks or online loan platforms. If you owe 40,000 yuan, you can pay it in 20 interest-free installments with a monthly repayment of 2,000 yuan. This is It's just reasonable.

3. Banks, online lending institutions or collection companies have already engaged in illegal collection activities, so you can use it as a favorable basis for negotiation. In the end, you must make good money, as permitted by law. , try every means to make money, and the prerequisite for repayment is that you have the ability to repay, otherwise everything will be in vain.

Legal Basis

"People's Republic of China and Civil Code"

Article 667 A loan contract is a loan from the borrower to the lender. A contract to repay borrowed money at maturity with interest.

Article 668: A loan contract shall be in written form, unless otherwise agreed on the loan between natural persons.

The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.