Will the collection of foreign visits really come to the door?

It is generally true that online loans are overdue for foreign customers to come to the door, but only legal and compliant home collection is protected by law. In other words, if the loan debtor is overdue, the online lending platform can collect the loan debtor within the scope permitted by law, usually by telephone.

We can't generalize. If it is the arrears of compliant financial institutions, such as credit cards and legal online loans, the collection personnel will still have foreign visits, but the requirements must be legal and compliant.

After credit cards and online loans are overdue, they often receive calls or text messages, saying that foreign visitors entrusted by a credit card or online loan platform are going to visit their homes abroad and ask when to stay at home for reception. This is usually a means for the collection staff to put pressure on the debtor, and may not be notified when actually visiting abroad.

First of all, financial institutions come to the door, usually two people. Before entering the door, they will show relevant certificates and audio and video equipment to explain their purpose. If it is a third party entrusted by a financial institution, the debtor may require the other party to issue entrustment documents to confirm the identity and qualification of the visitors. If you are a regular overseas releaser who has received relevant training, your behavior will be more standardized. The purpose of foreign visits is generally to understand the actual situation of the debtor and negotiate repayment, so debtors who meet the above conditions need not be afraid. Since they really owe money, face-to-face communication is not a bad thing.

Secondly, in the process of communicating with foreign visitors, the debtor himself should record and video the whole process, and clearly inform the other party to avoid affecting the validity of evidence in the future. The other party will also pay attention to his words and deeds, and foreign visitors also have their own work processes. In the process of communication, don't be nervous, don't feel guilty, fully explain your difficulties and express your willingness to repay. Repayment takes time, and they will explain the debtor's arrears in detail. And inform the consequences of not repaying in time, as well as the measures that financial institutions may take in the future, such as debt collection through litigation and dishonesty. As for the content mentioned, the debtor should have his own judgment ability.

Thirdly, don't promise the repayment time easily because you are afraid or want to get rid of the entanglement of collection as soon as possible, otherwise it will bring you more trouble. If a foreign visitor asks the debtor to sign the document, he should ask the other party if he can not sign it when the debtor is uncertain. If the other party asks for signature, the debtor can show the document in front of the camera, stating that he signed involuntarily, so as to safeguard his rights and interests.

Besides, most foreign tourists will ask if their families are at home. Does the family know about the debtor's arrears? The debtor can emphasize that the debt caused by the debtor's own reasons has nothing to do with his family, and at the same time he has the conditions to bear the responsibility independently. If the debtor is not at home, his family can refuse to accept it. Foreign tourists can only know the situation, have no right to investigate, and their families have no obligation to cooperate.

After a detailed understanding of the situation, visitors from other places will sort out the materials and feed them back to financial institutions to judge whether the debtor really has difficulties in repayment or wants to default, so it is not so terrible to come to the door, but he must not lose his subjective judgment for fear of being visited. It is not a bad thing to face objective treatment calmly. Only by appeasing your family, adjusting your mentality and making money hard can you pay off your debts as soon as possible.

Door-to-door collection is actually aimed at loan debtors with serious overdue conditions. Ordinary loan debtors will only be called or sent text messages for collection. If the debtor is seriously overdue, the loan debtor can choose to actively negotiate with the online lending platform, but the loan platform can choose to directly file a lawsuit with the people's court.