How long is it overdue for Bai Hua to call the contact?

The flower buds are overdue for 6~ 12 days, and they have been collected by SMS for more than half a month. A lawyer's letter will be sent over a month to three months. If the debtor fails to repay the loan within three days after receiving the lawyer's letter, the dunner will always contact by phone and repeatedly inform him of the risk of being sued.

Overdue collection can be divided into six stages. The first stage: overdue for half a month, short-term collection. The second stage: one to three months overdue, telephone collection. The third stage: three to six months overdue. Frequent phone calls+letters from lawyers (informing debtors of the risk of being sued). The fourth stage: more than half a year to one year, telephone collection+SMS phone harassment of relatives+door-to-door collection. The fifth stage: more than one year. On the list of malicious arrears, assess the debtor's repayment ability, and the reminder will call to repay every week and a half, and will also throw out preferential repayment conditions. The sixth stage: more than two years. No means can achieve the purpose of repayment. Will directly sue to the court of residence.

Under normal circumstances, if the amount owed is too low, it will not be prosecuted within one year, and there will be a risk of being prosecuted after one year. Whether the phone can be reached is another matter. It's hard to say that the amount is large. After receiving the lawyer's letter normally, there has been no repayment for several months, and the phone can't be contacted. At this time, the reminder will come to the door and warn the debtor that he will be sued if he does not repay. If he finds that the debtor is unable to repay or has limited repayment ability, he will give preferential policies, such as reducing interest. Arrears of more than one year will basically be judged as malicious arrears. At this time, Bai Hua will directly prepare to sue the debtor in the domicile jurisdiction. The collection letter will also contact many times and warn that the case has been prosecuted, requiring the repayment person to repay before the responding period. If the repayment is made, the case will be dismissed.

If it is overdue, the debtor will have many opportunities to repay, even before the prosecution, but this overdue situation will be included in the credit investigation, which will affect other things that need credit investigation, such as buying a house and a car. Everyone's repayment ability and assets are different, and the risk of being sued will be different. Those who have normal repayment ability or temporarily have no repayment ability have a lower risk of being sued.

The use of flower buds will be restricted beyond the time limit and cannot be restored. You need to apply for manual intervention to continue opening them. The generated negative credit records will be directly submitted to Sesame Credit and uploaded to the credit information. Overdue interest will be generated if the repayment period is exceeded, with a daily interest rate of five ten thousandths. If you have no repayment ability for the time being, you can negotiate with Bai Hua to solve it, and you can repay by installments or stop repayment by installments. The risk of being sued is low and will not be included in the credit record of malicious arrears.