How to report overdue loan materials in JD.COM after they are submitted to the judicial department?

Submit these overdue materials and wait for the notice of the judicial department. With the emergence of consumer loans, some young people like the lifestyle of "spending first and then repaying", which eventually leads to heavy debts. Due to economic turnover problems, they are unable to repay overdue loans on the platform. So I don't know what to do. The following is the treatment method.

1, don't refuse to answer the phone. You know, the flower buds and loan buds of Jingdong Finance and Alipay are different. The flower buds and loan buds on Alipay may not receive credit information, but Jingdong Finance will definitely receive credit information, which is related to the operating modes of the two companies. This consumer loan business has been given a certain grace period, during which it will not be overdue. If it is overdue, it means that "this overdue record" will be used for credit investigation. So, if you are overdue, you will have no luck. Even if you have no money to pay back, don't refuse the other party's mobile phone. The other party claims that you objectively explained the status quo that you are willing to repay and expressed it.

2. Find a way to pay back the money. According to the result of my consultation with Jingdong Financial Customer Service, I will definitely go to the credit bureau after the deadline, but there is no "dead mouse feels no cold" mentality. Jingdong Finance is not an illegal or high-profit enterprise. Renren loan shall be carried out in accordance with relevant national laws and regulations. If you have the idea of "not returning", once people ask for it through official procedures, it will have a greater impact on yourself. If the amount involved is large, it may constitute "financial fraud". Therefore, the only way to solve this problem is to find a way to pay back the money.

3. Negotiate the repayment method. The rules are dead, and people are still alive. For these formal institutions, if you really don't pay back the money, or if you don't have money in return, the other party will lose the money in vain.

However, if you are willing to pay back, or want to pay back, then your attitude and nature will change. Their prosecution or debt collection is only a means to recover and reduce losses, and the actual purpose is to expect us to pay back the money. As long as they can repay part of the funds regularly and explain their current situation to each other clearly, most organizations will agree and even provide relief for the extra expenses.