What should I do if the overdue loan collector comes to the door?

If the online loan is temporarily overdue, it may be collected at home. At present, online loan collection is carried out by a third-party company. If the other party is violent, you can call the police. If the overdue amount of online loans is large, it is recommended to confess to your family as soon as possible. Regarding whether the online loan is temporarily overdue, the following is a detailed answer from the online editor. First, the online loan is overdue and will not be collected at home for the time being. Generally, it will not be collected directly at home. Whether the online loan is overdue or not depends on the overdue time of the online loan, the amount owed and the work style of the online loan platform. In addition, if the general collector makes frequent calls and text messages to collect letters from lawyers, and when all the available collection methods are basically used, the collector finally says that he will come to collect them, then in this case, he may not scare the borrower, and may actually come to collect them, so he will borrow money. Second, there are many ways to collect online loans: 1. SMS notification is generally used for short overdue days, no more than one week. 2. Tell me by phone and start calling yourself to ask how long it will take to repay. 3. Contact the list in the address book. Here is a reminder that all the apps on the online lending platform will read your address book or upload your own mobile phone service password. They can only choose some people you often contact. 4. Start short message bombing and abuse debtors in online forums such as Post Bar. 5. Intimidate and threaten borrowers. 6. Send a lawyer's letter or reminder letter to your address. 7. Court summons. Third, how to properly handle door-to-door collection of online loans 1. Don't directly return the money to the collection staff. Repayment must be made through the online loan platform, and after repayment, the platform is required to cancel the account. 2. Pay attention to collecting evidence of the other party's crime. It is not ruled out that there will be some black debt collection. If this happens, the personal safety of the borrower may be hurt. Therefore, when the collection infringes on the legitimate rights and interests, it is necessary to keep relevant evidence as much as possible, such as secretly taking photos and recording with mobile phones. The situation is wrong, we should call the police in time. 3. Consult with each other as much as possible to avoid conflicts. The purpose of collection is to make you pay back the money. If you have a good attitude, the other party should not take you for granted. If there is really no money to pay back, we must strive for the opportunity to negotiate. At the same time, the attitude should be gentle, and it is best not to have verbal or physical conflicts. 4. Call the online lending platform in person to negotiate. At present, most online lending platforms outsource collection to third-party collection companies. Different from online lending platforms, the collection methods they use may be more threatening and usually not easy to negotiate. If you really encounter a door-to-door collection, directly call the platform customer service phone to negotiate, maybe the other party will agree. The above is the related content compiled by Bian Xiao. When lending online, it is generally necessary to sign a loan agreement with the platform. Lenders need to repay on time. If the repayment amount on time is not large, the other party may entrust a third-party company to collect it at home. If you have other needs, please do one-on-one legal consultation online.

Legal objectivity:

Article 243 of the Civil Procedure Law: The parties must perform legally effective civil judgments and orders. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution. Mediation and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution. Article 245 If one party fails to perform the creditor's rights document which has been given compulsory enforcement effect by the notary office according to law, the other party may apply to the people's court with jurisdiction for enforcement, and the people's court applying for enforcement shall enforce it. If the notarized creditor's rights document is indeed wrong, the people's court shall rule that it will not be executed, and serve the ruling on both parties and the notary office.