Is it really true that there is a stage of door-to-door collection?

It may not be true. Installment payment for installment music is 20 days overdue. Called to cancel the staging and submit it to the household registration for evidence investigation. Under normal circumstances, banks adopt the principle of "three consecutive days, six consecutive days" to deal with overdue credit cards. If it is overdue for three months or six months in a row, the bank will carefully consider this personal loan application, and generally will not issue loans easily. If it fails to reach this range within the time limit, the loan can still be successfully approved as long as a reasonable explanation is given and other personal credit certificates are provided for the bank to re-evaluate personal credit.

If the credit card is overdue, don't cancel it in a hurry. You should continue to use it and repay it according to the regulations. After the last overdue record is more than 2 years, the cardholder's credit report will not show that it is overdue again. If you don't want to use this card then, you can cancel it.

After the cardholder owes money, the bank will generally make dunning by SMS reminder, telephone collection, and sending a lawyer's letter. After all the above methods fail, the bank will entrust the dunning company to intervene. Therefore, dunning companies often face debtors who have lost contact, or cardholders who "don't pay back the money anyway".

First, the installment payment of mobile phones has not been paid off. As long as it is not illegal possession by illegal means such as fictional facts, it is a civil dispute, which does not constitute fraud and will not go to jail. Buying a mobile phone by installment is a civil legal act. If it is unable to repay, the seller may sue for payment or termination of the contract, and demand payment of the use fee according to the proportion of the unpaid amount to the total amount. Article 159 of the Contract Law stipulates that the buyer shall pay the price in accordance with the agreed amount. Where there is no agreement or the agreement is unclear, the provisions of Article 61 and Item 2 of Article 62 of this Law shall apply.

Second, prepare a recording pen. If it is an online loan outsourcing local collection company, people who come to the door are generally rude. At this time, borrowers need to be vigilant. You'd better prepare a recording pen. The collection staff can come to the door, which shows that his psychological quality is relatively strong. They have a thorough study of the law and often force borrowers to repay their loans through verbal stimulation, but they will not do it easily. At this time, if you have mastered the evidence of the other party's swearing, you can choose to call the police. Look at the attitude of the collection staff. If the collector has a good attitude, then both parties can sit down and discuss and make a repayment plan. If the opponent kicks and punches, then don't show weakness and call the police at the first time. In addition, some media reported that the borrower was not at home before, and after collection, the borrower's mother was found at home. The borrower's mother didn't want to lose face in front of her neighbors, so she was forced to hand over her savings for many years to the collection staff in cash. As a result, the money went into the private pockets of the collection staff and has never been repaid successfully.