How to prevent the collection from freezing WeChat?

Collectors can freeze your WeChat by freezing it for friends, so it's best not to add favorite WeChat, but to communicate by phone. Tencent will not use official means to help third-party collectors freeze users' WeChat. However, what we are talking about here is the normal chat function of WeChat. However, if your micro-loan is overdue, WeChat will directly deduct it as long as there is a collection or bank card.

1, it's best not to collect WeChat, just communicate by phone, and don't panic if you've been recruited, just unfreeze it.

2. Know your current situation first. If you have the money to repay the loan, of course you can communicate and negotiate. The longer the overdue period, the easier it is for you to reach an agreement with the other party to pay the principal and reduce it in one lump sum. If it is a credit card, you can negotiate a 3-5 year installment repayment agreement with the bank on the premise of stable monthly income. After the agreement comes into effect, the repayment can be made on time every month, so that the collection stops and the penalty interest stops, and the stop loss is really achieved in time!

Online lending is essentially private lending, and the state has some strict regulations on the interest of private lending. Only the part with an annual interest rate below 24% is protected, and it is illegal to exceed 36%, which means usury. However, the actual situation is that in order to obtain higher interest and profits, online lending platforms increase the interest of borrowers in various forms. For example, beheading interest, membership fees, handling fees, deposits and even deliberately let borrowers overdue, thus charging high overdue fees. When the online loan is overdue, we can take the following measures:

First of all, immediately stop raising loans with loans. When many online loan users are unable to repay their debts, they will go to the road of raising loans with loans. The loan needs to pay interest. If you support loans with loans, it will only make everyone farther and farther away from the shore. Therefore, if there is a situation of supporting loans with loans, it must be stopped immediately.

Second, sort out your debts. General online lending platforms will provide microfinance services. If borrowers owe more than they can pay, most of them will borrow from multiple lending platforms. In this case of multiple debts, borrowers need to sort out their debts. In order to avoid more loan interest expenses, it is suggested to pay off the debts with higher loan interest first.

Third, negotiate with lending institutions to make a scientific repayment plan. When it is difficult to repay the debt, the borrower should take the initiative to contact the lending institution, and then consult with the institution to see if it can apply for extension or reduction of part of the loan interest fee, and then the user can repay the debt on time according to the negotiated treaty.