If the collection amount is overdue for 60 days and the amount is 15000 yuan, will it be prosecuted by the court and sent a lawyer's letter?

If the borrower is less than three months overdue, Xiaoman Finance has no right to sue.

If the borrower is overdue for more than three months, but the amount owed is not very large, and the customer actively negotiates, although it cannot be paid off at one time, it has not escaped, and Xiaoman Finance generally will not sue.

However, if the borrower fails to pay back for a long time, and the amount owed is not low, or even the borrower can not be contacted, then Xiaoman Finance is likely to bring a lawsuit to the court.

Xiaoman Finance is a formal lending platform. At present, the platform has been connected to the central credit information system. If it is overdue, you will have a bad credit record.

credit record

Bad credit records generally take five years to eliminate. According to the "Regulations on the Management of Credit Information Industry", the retention period of bad information of personal loans is 5 years from the date of loan settlement; Bad information such as overdue credit card records shall be kept for 5 years from the date of settlement of credit card arrears. More than 5 years, should be deleted.

If there is a bad credit record, the overdue loan principal and interest shall be paid first, and the money owed to the bank shall be settled. Only in this way can the expired records stop updating. Then, make a record of repayment. Generally, after 2 years, the overdue will not be shown on the credit report inquired by the bank, but the bad record of the central bank will be kept for 5 years.

Credit information will affect the borrower's loan life in the future. If your credit information is not good, it may bring trouble to your loan, travel and even work.

In addition to credit investigation, overdue penalty interest is calculated in the form of compound interest. So if it is overdue, the debt will be higher and higher. It is suggested to pay off the arrears as soon as possible and borrow reasonably in the future to avoid overdue again.