How to explosion-proof the address book when the online loan is overdue

1. Learn to negotiate with online loan companies. Negotiation is skillful. First of all, you have to repeatedly show your willingness to repay, so that the other party can rest assured that you are not the kind of person who grabs "Lao Lai". But it is really unable to repay at present. After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company determines that you are willing to repay, it will give you accommodation time.

2. There are many professional anti-harassment mobile phone software, which can be installed for friends and relatives. In addition, we should communicate more and strive for others' understanding. In short, we must learn to protect our rights and interests by legal means.

First, what should I do if I encounter a door-to-door collection?

1. The door-to-door collection is entrusted to a third-party company, including all kinds of people. After the door-to-door collection, try not to have direct conflict with the collection personnel, and try to negotiate repayment with them.

It is suggested to use recording equipment when being called to collect money. People in this field are very experienced. They won't insult you, but they will irritate you. Don't get angry at this time. Once you start first, you will lose. You can use a tape recorder to record some sound data.

3. When collecting money at home, don't give the money to the collection staff and repay it directly on the online loan platform. Many collectors may put the repayment in their pockets when they receive it, so don't give it to them directly to avoid unnecessary trouble.

Second, the influence of loans overdue:

First, late payment will affect personal credit. If a lender borrows money from a bank and fails to repay it within the time limit, his personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.

Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue staff member should be prepared and try to pay off the money at the first time before solving it.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be sued by financial institutions. After the lawsuit is accepted, the assets of the lender may be sealed up after the court pronounced a sentence. This is the "repayment reward" that the lender must implement, otherwise the court will seal up the property and other assets under your name according to law to repay the arrears with the proceeds from the auction.

Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil disputes and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the court will also investigate the criminal responsibility of the borrower according to the circumstances, and even go to jail if the circumstances are serious.