The online loan is overdue. He sends me some messages and makes many phone calls every day. What should I do?

If there is no money to pay back now, block all online loan calls. Ignore the information, it's all a threat to fool you, concentrate on your work and make money, and negotiate interest-free repayment after you have money. Online loans are mostly usury, and beheading is also ill-gotten gains. If you really have no money, you will settle down to online loans and usury, ask for money and die. I hope you are satisfied. Come on [praise]

At present, the debt is 200,000 yuan, including loans from Bai, Jingdong Finance, 360 IOUs, Baidu Money, Xiaohua Wallet, Xiaomi Loan, micro-loan loan160,000 yuan, and loans from relatives and friends of 50,000 yuan.

I was afraid of exposing the address book, but I was robbing Peter to pay Paul. From the initial tens of thousands to the current 1.6 million online loan, I finally couldn't hold on and began to fully overdue. After the deadline, it must be collected. There are hundreds of calls a day.

1. Can I not receive the call? What should I do if I don't want to answer the online loan phone?

It's okay not to answer the phone. The job of collection is to call. He can call you all day. You can't answer the phone all day. Do you want to work or live? So don't answer the phone in a hurry, arrange your life and work first.

Occasionally answer the phone calls from credit cards and banks. Tell me yourself directly, and don't listen to him. Say that finish your situation and you will die.

Online loan calls can be intercepted, and mobile phones have interception functions, which can intercept some of them. Then turn on mobile high-frequency harassment interception, which can intercept a large part. Call in a few times occasionally, depending on the time, whether to answer it or not, even if you answer it, it shows your identity, which means you can hang up now. Don't say too much, be careful with the information.

2. Will you be prosecuted if you don't answer the phone?

It depends. If the credit card amount is particularly large (more than 50,000), there is a risk of being sued.

Online lending only involves civil liability, and at most it is only a prosecution, and it will not go to jail. Don't be frightened by the collection.

Moreover, due to the epidemic situation, 2020 and 202 1 were overdue in a large area and could not be fully prosecuted. Nearly 600 million people in the country are in debt. The total outstanding loans of credit cards for half a year alone will reach 90.6638 billion, and online loans will only increase. So the number of overdue people is definitely not small. If the case is fully prosecuted, the national courts will not need to be officers, and they will settle accounts every day.

Moreover, most overdue people really have no money, and it is useless to sue. Most people will be overdue only if they really have no money. Even if they have food and no food, how can they pay their debts? Banks and financial institutions are also aware of this situation and cannot get their money back for prosecution. What's the point of suing?

There is still a charge for prosecution, and this fee structure has to be paid by itself, so it is more cost-effective to collect it. If you can't bear it, you will be happy to pay back the money pit of your relatives and friends, which is another commission.

Third, putting down the burden and making money hard is king.

The purpose of collection is to ask for money, and if you have money, you will not be overdue. Whether it calls or sues, it's useless to say anything without money. Therefore, only making money hard is the only king.

The days of being in debt are very difficult and extremely torturous. Work hard to make money, and wish you and I an early landing. I'm Jiang Lang.

There is a picture that says that a law firm has been entrusted to start litigation at the place of residence. In fact, it is a good thing to really enter the proceedings, because if you don't sue, you will always call and send text messages for collection, which may actually cause harassment to the borrower. If you just call me, that's good. After all, it is only natural to pay back debts. But it is also possible to call other relatives and friends in the address book, which will have a considerable impact on me. Many borrowers are troubled by the behavior of collecting money from people other than themselves. Really entering the lawsuit can be said to have ended the loan, and it may be beneficial to the borrower. Because the interest on online loans may be very high, on the surface, the interest is in compliance, but with the service fee and other things, the interest may exceed the annual interest rate of 24%. Going to court will only support 24%. It is equivalent to reducing the burden on borrowers. So it is a good thing to really enter the proceedings.

My online loan and credit card are all overdue, which has been more than three years. Please tell me how I did it.

Mine is more than three years overdue. I still have my phone number and the information has been sent. This is inevitable. I haven't changed my phone number, even if I did, it would be useless. Some collection companies can still find you. I started to answer the phone when it was overdue, but now I don't want to answer it. It is so boring. No money. I don't know what to say when I answer. But now the collection is much better, and I dare not threaten it. Before threatening me, I sent my photos in groups.

To sum up, if you have no money to pay back now, just answer the phone and tell others. If you don't answer, he keeps calling. This is their job. You really have no money. They won't embarrass you. The most important thing is that you can work with peace of mind and pay back money as soon as possible. After all, you still have to pay back the money you owe. Don't be greedy and cheap, you will suffer big losses in the future, and you will regret it then. A person doesn't even have credit. Who can respect you?

This is my answer, I hope I can help you. Come on, my friend, I wish you, pay off your debts as soon as possible and embrace the sunshine. Normal life.

You are also welcome to discuss, leave a message and support. Thank you.

How much debt do you have? If it is not much, try to pay it back. If there is really nothing you can do and the amount you owe is not much, just leave him alone and love him.

Let me tell you something about my experience. I have been overdue since May last year, including credit card, online loan and bank loan. I owe a total of more than 654.38+0 million. I think my life is over. I was at a loss when I was overdue for the first time. I never stop calling and texting, but I never answer the phone because I have no money to pay back. Most importantly. So I didn't manage it well. Anyway, the worst result is jail. Of course, this is just my situation. If the amount is not large, it will be blacklisted at most. Let me give you some advice based on my own experience.

1, overdue online loans are the most annoying because these collections are heartless. All they have to do is call the money back, and they won't care if you live or die. They can do anything, such as destroying the address book, calling their parents, threatening and so on. If you don't care about this, you won't care.

2. Try to make money. Since it is overdue, it is useless to think too much. What you should do now is to increase revenue and reduce expenditure, work hard, solve your own food and clothing problem first, and then pay it back when you earn money. The present society is very fair. As long as you are willing to make money hard, there are still many opportunities. For example, media, WeChat business, e-commerce and other channels are all sideline businesses you can engage in. I don't owe much, and I'll be ashore soon.

3. Confess to your family. Because you are overdue, you will contact your family sooner or later, so confess to your family as soon as possible. At this time, don't take care of face. If the family conditions are good, I can help you share. If the family conditions are not good, at least let the family prepare in advance. We just owe money, not murder and arson. Don't be afraid.

The above is my advice to you. I hope it helps you. Work hard, migrant workers!

Don't be afraid, I also have four or five overdue online loans. If I can't solve it, I'll live well first. The worst result is that it is impossible to sue you if the online loan amount is less than 20 thousand. If the amount of online loans is large, it is also necessary to negotiate repayment. Many online loans are illegal and legal, and the cost of prosecution is also high. When you are free and in the mood, you can selectively answer the phone and text messages directly. Don't be afraid. It's all fake. Re-apply for bank cards to prevent automatic deduction of online loans. Try to make money. If you have a credit card, consult the bank for repayment first. If it is a small loan, pay less attention first. It is best to negotiate that only the principal can be repaid, and some interest can be given appropriately. Don't listen to the collection, see your willingness to repay. Let's live well first, and then talk about it after the New Year. Let's have a good attitude and come on together. We can finally get through this dark time. What you don't understand can be discussed together.

Communicate the repayment plan truthfully according to your actual situation.

If it is not a high-interest loan, it can actually be negotiated in time. There is no need to delay, explain the current situation and put forward your own repayment plan and scheme. If the amount is too much, you need to plan well and negotiate with your family, because you will definitely contact your relatives and friends in the future, so let everyone be prepared, know what the specific situation is, and find a way together, without too much pressure, just take your time.

If the online loan is overdue, don't raise the loan by loan, but raise the card by card. In the end, you must be unable to repay it. The best way at this time is to negotiate with the platform.

Don't worry too much about being called to collect money every day. First of all, you should make it clear that it is natural to pay back debts. You have the right to borrow money, and people have the right to accept it. As long as the platform is legal and the interest is within the scope stipulated by the state, it will definitely be repaid after the deadline. As for the call for collection, if you have a good attitude, the frequency of calling is not high. This kind of call is normal. You should answer it. Just tell yourself the truth.

If the collection calls are made very frequently, and there are violent collection and some illegal acts, then you need to use the law to protect your legitimate rights and interests.

Finally, to negotiate with the platform to maximize the benefits, it is best to reduce the principal by stages or stop interest.

Once the online loan is overdue, it will inevitably face collection. Telephone harassment is the most basic, and small platforms still adopt a relatively bad way.

However, it is precisely because of the irregular online loans, high interest rates and illegal collection that we have more negotiation opportunities.

After the online loan is overdue, the penalty interest penalty incurred can be reduced through negotiation.

In the face of collection, it is also necessary to collect evidence by audio and video, which is the card of negotiation.

Face it calmly and make money hard!