It's hard to tell whether the text message of Jinshan Express Loan is true or false.

This situation is likely to be that the online loan company is scaring you to collect money!

Once the online loan is overdue, the online loan company must collect it. Generally speaking, you need:

1. Keep calling yourself to collect money.

2. Constantly harass yourself and relatives, friends, colleagues and leaders in the address book by means of violent address book, insult, abuse, threatening to come to the door, etc.

3. Send false information to threaten you. If you don't pay back, go to the public security organ to handle the case, or go to court to sue.

Pretend that you will send you a lawyer's letter, or threaten to sue in court, and limit when you can go to court to get a subpoena.

5. If a lawsuit is filed, the court will inform you to go to a certain court by telephone or directly serve you with the responding materials and a summons stamped with the court seal, with the contact information of the court staff on it, so that you can directly verify the truth from the specific court.

6. Under normal circumstances, due to the insufficient qualifications of online lending companies and the illegal behavior of usury, they will not choose to go to court to solve the problem. However, some online lending companies are more formal and fully qualified, and there will be corresponding legal advisers. Once the online loan is overdue and the amount is large, it cannot be recovered by general collection. It is not excluded to send a lawyer's letter or sue the people's court to recover the loan.

Finally, I advise you that online lending is too risky. Once you enter, you will be routine. If you are deeply involved in online lending, you can't solve it yourself. You must solve the problem through formal channels such as courts and other state organs.