Is it useful to ask the legal department to handle overdue cases?

First of all, handing it over to the legal department is a false question. After the arrears are overdue, all calls, text messages, letters, emails and other purposes are reminders, and it doesn't matter what the content is. So it doesn't matter whether there is this legal department or not and what will happen if it is handed over to the legal department. Of course, the arrears must be paid back, and you can't be complacent just because you have seen through something, and you can't get involved with the collectors. If so, I'd rather believe that the creditors who are handed over to the legal department for legal proceedings are real and they have the right to do so. Therefore, I hope readers can understand this. The original intention of my sharing is to make the debtor as unaffected as possible by such incoming calls and text messages, so as to have a good attitude to work and pay off debts as soon as possible.

Secondly, what legal responsibility will the debtor bear after the deadline?

1, the creditor sued the court on the grounds of debt dispute, and the result was definitely that the debtor lost the case, and then negotiated repayment or was executed; 2. If malicious overdraft is involved, creditors will sue the court for credit card fraud, and if they lose, they will go to jail (of course, everyone basically uses credit cards for normal consumption, and it is very rare to be sentenced to jail for overdue debts)

Finally, whether the Legal Department is prosecuted or not, which you are worried about, depends on whether you have received the SMS of 12368 or the court EMS summons. You can also call 12368 directly to check whether you have been prosecuted.

Summary: If the negotiation is really not good, it can be solved through legal channels and an installment repayment agreement can be effectively reached. Don't let the arrears drag on and make your life worse.

Legal basis: Article 585 of the Civil Code, the parties may agree that one party shall pay a certain amount of liquidated damages to the other party according to the situation of breach of contract, and may also agree on the calculation method of the amount of compensation for losses caused by breach of contract.

If the agreed liquidated damages are lower than the losses caused, the people's court or arbitration institution may increase the liquidated damages at the request of the parties; If the agreed liquidated damages are excessively higher than the losses caused, the people's court or arbitration institution may appropriately reduce them at the request of the parties.