Do you have any personal messages to collect car loans?

General car loans will be notified by the staff on the repayment date. Generally, after more than one month, the car will be forcibly detained and it needs to be punished according to the contract.

If it is really unable to repay itself, it shall negotiate with the lending institution to extend the repayment period or repay it in installments. You can negotiate with the bank to pay the expected principal, interest and liquidated damages and return the vehicle.

If the bank sues, the court will inquire about the real estate, vehicles, securities, deposits, etc. under the lender's name according to law when accepting enforcement. If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

According to the relevant provisions of the Contract Law, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue.

The legal payment methods are as follows

1, reconciliation

When the creditor's right expires or is about to expire, if the debtor is temporarily unable to repay the debt but has the sincerity to repay it, the creditor may negotiate with the debtor on the time limit, method and amount of debt performance, and urge the debtor to fulfill the debt or sign a repayment agreement.

If the creditor's rights are secured by mortgage or provided by a third party, the creditor can negotiate with the mortgagor or guarantor, or ask the third party to "match the bridge" so that the mortgagor can pay off the debts in full with the mortgaged assets, or the guarantor can pay off the debts.

2. Ask the debtor to provide a guarantee.

The guarantee is a credit guarantee, which requires the debtor to provide the credit guarantee of relevant companies acceptable to the Bank and issue a written guarantee. When a lawsuit is filed, the guarantor may be listed as a co-defendant, and the guarantor shall be jointly and severally liable for the debtor's debts. It can be mortgaged or pledged. What is secured by real estate is called mortgage; It is called pledge to guarantee with movable property or rights. Once a lawsuit is filed in the future, the creditor may apply to the court for sealing up, auctioning or selling the mortgaged (pledged) property and get priority compensation. Even if the debtor goes bankrupt, the creditor who accepts the mortgage (pledge) guarantee still has the priority to be paid for the mortgaged (pledged) thing over other ordinary creditors.

3. Find out the debtor's industrial and commercial registration, assets and property protection.

Industrial and commercial registration is a true record of the establishment, change and termination of an enterprise. The debtor's assets should be identified and investigated in various ways and means in order to submit them to the court for seizure and freezing in litigation. To collect debts at home, you should remember the debtor's license plate number, office address and dormitory number, verify the ownership and mortgage of the debtor's vehicles and real estate at the vehicle management, land and real estate departments, and inquire about the subordinate enterprises operated by the debtor at the Industrial and Commercial Bureau.

Do a good job in property preservation measures. It is also based on the above-mentioned identification of the debtor's assets. Generally speaking, the seizure of the debtor's assets before the judgment will often put pressure on the debtor, forcing the debtor to take the initiative to repay or settle, because if the debtor's assets are disposed of by auction in the execution procedure, the debtor will suffer greater losses.