How much does Bai Hua owe to be prosecuted? What should I do if I am sued within the time limit?

10000 yuan, Bai Hua owes 10000 yuan to reach the threshold of prosecution, but whether Bai Hua will sue the debtor will also consider whether there is a subjective idea of deliberately not paying back the money. As long as we actively cooperate with the collection and promise to pay off the debts (even a little every month), Bai Hua generally won't sue the borrowers.

1. Overdue flowers are generally collected, and only those with large amounts will be prosecuted.

2. For overdue users, Ant Flower Garden will remind users to pay back within 9- 13 days from the date of repayment by SMS, automatic voice, etc. If the user fails to repay the loan, a manual telephone reminder will be given after 13 days overdue.

3. If User A of "Bai Hua" is overdue for 2 months, the specific information of the loan will be displayed in "Credit Transaction Information Details", including the loan management institution, account opening time, maturity date, loan amount, account status as of a certain point, balance, current overdue time, repayment records in the last 5 years, etc. More importantly, this overdue loan will be shown in A's credit report for five years. A staff member of the central bank's credit information system reminded: "It should be noted that after the arrears are paid off, it will not be shown in the credit information report within five years from the date of repayment.

4. Once overdue, Bai Hua will start to calculate and collect interest on liquidated damages at the agreed interest rate of 1.5 times. The longer the customer is overdue, the more penalty interest will be generated, the more repayment will be made, and the greater the repayment burden will be. Customers are advised to pay off their debts as soon as possible after overdue payment to minimize adverse effects.

5. Applying for online loans many times, even if it is not overdue, will damage the index score of online loan blacklist and be judged as online loan blacklist. Once it becomes a blacklist of online loans, not only will the online loan application fail, but the amount of Huayuan loan will also be reduced, and even it will be shut down seriously.

6. In addition to protecting personal information, borrowers can also learn about their online loan usage through the data of 200. They can find this WeChat applet, including comprehensive scores, application records and other detailed information, as well as personal online loan big data status. If big data has been chaotic, it should be corrected in time to avoid a major impact on personal credit information.

way

1, don't lose contact.

Many people think that after being sued, as long as they hide, the court and Hua Bai can't find themselves, and they will be fine. In fact, after receiving a court summons, you must not lose contact and appear on the court day on time. Because if the user does not appear on the court day and is absent for no reason, the court is likely to directly decide to win the case, and subsequent negotiations will be impossible.

2. Apply for repayment by agreement.

There are generally two solutions to negotiate repayment. The first is to restart the installment, recalculate the existing arrears bill, and then installment. The loan interest may increase a little, but the overdue record will be stopped. The second is to reduce loan interest and reduce repayment pressure.

In general, it is basically a civil lawsuit for Bai Hua to sue users. Before the start of civil litigation, the court may organize users to have private consultation with Bai Hua. Users can seize this opportunity to apply for negotiated repayment through their own efforts and the assistance of the court.

3. Auction or mortgage

If there are more valuable goods under the user name, you can choose to auction them directly. After the auction, the proceeds will be used to repay the arrears.

Even if you can't repay it in one lump sum, you can at least prove to Bai Hua that you are willing to repay it. Because of the repayment of the user, Bai Hua will probably consider withdrawing the lawsuit.

Step 4 ask relatives and friends for help

If the prosecution has been successful and the negotiation fails, the user can only ask family or friends for help. Tell your family or friends the fact that you owe money, and then ask them to borrow some money to pay Bai Hua's bill first.

After that, I will find more part-time jobs, open up new sources and reduce expenditure, and try to pay off the money of my relatives and friends. Once the prosecution and filing are successful, the user is likely to be enforced and listed as the untrustworthy executor, and the consequences are unimaginable.

In addition, we need to remind everyone that there is a three-day grace period for flower buds to repay, so it is not overdue for users to repay within the grace period. If the user fails to repay the loan on the repayment date, it can be settled within the grace period.

At the same time, if users have repayment pressure, they can reduce the pressure through the minimum repayment amount and installment repayment. You can also see if the platform has launched a deferred repayment service. If you buy this service, you can postpone repayment.

legal ground

code of civil law

Article 21 A civil action brought against a citizen shall be under the jurisdiction of the people's court where the defendant has his domicile. If the defendant's domicile is inconsistent with his habitual residence, it shall be under the jurisdiction of the people's court of habitual residence.

A civil lawsuit brought against a legal person or other organization shall be under the jurisdiction of the people's court where the defendant is domiciled. Where the domiciles and habitual residences of several defendants in the same lawsuit are under the jurisdiction of two or more people's courts, they shall be under the jurisdiction of each people's court.

Article 34. The parties to a dispute over a contract or other property rights and interests may, through written agreement, choose a people's court in a place that has a real relationship with the dispute, such as the defendant's domicile, the place where the contract is performed, the place where the contract is signed, the plaintiff's domicile and the place where the subject matter is located, but it shall not violate the provisions of this Law on hierarchical jurisdiction and exclusive jurisdiction.

Article 123 The people's court shall guarantee the right of prosecution enjoyed by the parties according to law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and refuse to accept it; If the plaintiff refuses to accept the ruling, he can appeal.

Article 149 A case tried by the people's court through ordinary procedures shall be concluded within six months from the date of filing the case. If there are special circumstances that need to be extended, it can be extended for six months with the approval of the president of our hospital; If an extension is needed, it shall be reported to the people's court at a higher level for approval.

Article 164 If a party refuses to accept the judgment of first instance of a local people's court, he shall have the right to appeal to the people's court at the next higher level within 15 days from the date when the judgment is served.