When the online loan is overdue, the lawyer's letter is sent to the village Committee. What should I do?

If the online loan is overdue and you receive a lawyer's letter, you can discuss with the other party, apply for an extension, and talk about your repayment plan. Tell the other party that you are actively raising money and let the other party give a certain grace period. It's really no good. The comprehensive capital cost of online lending platform, including interest, handling fee and service fee, is very high.

First of all, it must be clear that it is useless to notify the village Committee of the overdue online loan, because the village Committee has no right to deal with the borrower's personal economic disputes. If the online loan platform collector announces the borrower's overdue matters in the village Committee and asks the village Committee to make economic deductions for the borrower, the borrower can choose to call the police directly.

If the collection of the online loan platform has seriously affected the daily life of the borrower, the borrower can choose to sue the collection personnel or the online loan platform. You can also negotiate with the online loan platform through the collection personnel, first inform the other party of their current economic situation, and then go to the village Committee to show a stamped proof of economic difficulties.

With the proof of financial difficulties, the online lending platform cannot force the borrower to return it within XX time. Both parties can sit down and negotiate amicably and renegotiate a repayment plan according to the borrower's current income. Borrowers can ask the online lending platform to reduce or exempt certain interest, but their own amount needs to be repaid in strict accordance with the repayment plan.

In addition, if the collection personnel come to collect the money privately, the borrower can also choose to record the whole process and then report to the local public security organ. The door-to-door collection should not exceed two people, and there should be no excessive behavior, otherwise it is illegal.

Legal basis:

Article 32 of the General Rules for Loans in People's Republic of China (PRC):

The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract.

The lender shall issue a notice of repayment of principal and interest to the borrower three weeks before the short-term loan expires and 1 month before the medium-and long-term loan expires; The borrower shall prepare funds in time and repay the principal and interest on schedule.

The Lender shall timely issue the overdue loan collection notice and do a good job in the collection of the loan principal and interest.

Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit.

The borrower shall negotiate with the lender when repaying the loan in advance. 《