The installment music is out of date. Text me and say to send me a lawyer's letter.

If many online loans are overdue, they will be collected, which is basically the explosion of the address book and the threat of text messages. Faced with this,

1, the message said that the notice of hearing had been sent to the hearing.

Many people in this category are also very scared, so I just said that the summons shall prevail, and everyone should ignore it until they receive it. At least there's a subpoena. Even if the number is changed and the place is changed, it can be found as long as it is not isolated by the power of the public security law. Don't worry about not getting a subpoena, even if you don't get your loved ones! Therefore, the summons shall prevail, and other lawyers' letters and notices shall be ignored! Said to go to the police station, ignore, he dare not go to the police station.

Text messages and phone calls informing of prosecution or trial are false. The court will only give you a subpoena by express delivery. Before you receive a subpoena, the court will not inform you of the prosecution and the court session by SMS, phone call or WeChat, so before you receive a subpoena, all the text messages and phone calls are fake, just a means of collection.

2. Urge to send and receive a lawyer's letter saying that he will sue.

Lawyers' letters, prosecution letters, notification letters, circular letters, collection letters and other letters have no legal effect. They are just a means for a third party to take over the company. The purpose is to make you afraid. These letters have nothing to do with the prosecution. Don't worry. If you get a call from the courier, you can return it directly and reject it.

This kind of question asks me the most, saying that there is a lawyer's letter in the message, or receiving a paper lawyer's letter, asking if I want to be sued!

Actually, the answer is simple. Basically, most of the online loan interest is not very compliant, and the contract is also tricky. It is a loss to sue them. If the lawsuit has been filed, this is one of the reasons why they would rather accept it than prosecute.

To say the least, it is their right to sue. If they sue, the judge will calculate a more reliable interest. Paying back money is not a bad thing, but a good thing. But ordinary online loans will not sue. You can look online and basically ask if you will sue, but few of them are prosecuted. They have the right to sue, so if they have money, they'd better return it. If they think the interest is illegal, they can collect evidence and complain to the CBRC, which is successful.

3. Suddenly, the mobile phone receives the court verification code and various verification codes. What happened?

It's just a means of collection. You deliberately log in to the court website with your mobile phone number, so that you can receive the verification code. The purpose is to make you afraid.

4, urge to send and receive information that you want to come to the door.

This kind of thing is basically fake, and it won't come to the door. It's mainly to scare people. If you accept it, you just ignore it. If you are harassed, keep the recording of evidence and complain to the CBRC!

The general routine is to arrive at your home in 2 hours, or send a position to say that you will arrive at your home immediately and so on. Don't be afraid, don't be afraid, if you want the bill, I won't tell you that you are here, just wait. This is illogical, so it's just to scare people. Don't be afraid!

To say the least, even if he comes, he will politely tell you when you will pay back the money you owe, and dare not do anything! Because the door must need the proof of the local police station, they certainly don't have it. You can totally stop them from coming in. If you insist on coming in, calling 1 10 is enough for him to drink a pot.

5. Collection means visiting.

This kind of information is basically the information that the credit card is overdue and urged to send and receive. This kind of information is to scare people. The only legal way for credit cards is to sue in court (there is also a malicious arrears of more than 50,000 yuan. I won't talk about it here. You can search online. They have no right to visit and so on, so they are basically scaring people. If you are harassed, you can call the CBRC to complain, or go directly to the bank with evidence to complain about them!

6. The reminder says to call the village committee to visit.

Don't be afraid of such people, because the village Committee doesn't care about it. The village committee is responsible for the affairs in the village. As for whether you owe money or not, people don't care, just forget it.

7. Urge to send and receive information that the police have arrested people for violating the criminal law.

This category is basically ignored. Everyone knows that online lending is a civil liability. The only legal way is to sue in court. At present, the debt is 700 million, which is 300 million overdue. The court simply does not accept online loan prosecutions. Don't worry. Another point is that owing money has nothing to do with criminal law.

8. Urge to send and receive messages saying that you want to be on the list of untrustworthy people.

This category is also the most frequently asked, in fact, it is to scare people. The list of people who can't be trusted is ... it will really affect the high-speed rail and children's attendance at aristocratic schools. By the way, nine-year compulsory education does not affect, that is, private schools that cannot go to high consumption.

9, urge to send and receive information to say hello to parents, burst the address book, P picture.

Not to mention this, it usually happens in daily loan collection. Formal online loans dare not be blatant, because violent collection is illegal, soft violence, and you can call the police. If there is a formal platform for violent collection, you can collect evidence and complain to the CBRC! Or call the police!

10. Suddenly there was no collection call for a day or two. Is it necessary to sue?

Don't worry at all. There are several situations. First, your number may be transferred to a third-party collection company on the platform. Second, the collection staff will change a batch number every month. Third, the number between collection companies will change. These three points need a little time.

1 1. Many people ask when the online loan broke the address book.

First of all, everyone has a wrong understanding of the address book. They collect debts from hundreds of numbers a month, and each number has hundreds of address books. He can't call all the address books, so he draws a few from them to contact. The time to get through the message record is different for each platform. The informal platform may call the next day after the deadline, and the formal platform may be handed over to a third party for collection, and will call several times in about three months. So don't worry about the explosion of the address book at all.

12. Will participating in the credit investigation affect children's schooling?

Under normal circumstances, there are bad credit behaviors in personal credit reports, such as credit cards and loans overdue, which will only affect individuals or families to apply for mortgages, car loans and credit cards, and will not affect their children's schooling. Because the problem of the credit report is generally a personal problem of parents, children should not be deprived of the right to go to school.

However, if the personal credit report is so bad that it is included in the list of people who have lost their trust and is on the list of court announcements, it is often heard by everyone. Then, it will affect children's schooling. At this time, the court will make many regulations and restrictions on those people, and especially require that their children should not be allowed to study abroad or attend high-priced private schools, which makes many parents who want to send their children to "noble" schools lose the opportunity. At this level, it still has a certain impact on children's schooling.

13. After the online loan credit card is overdue for three months, will it affect flying and high-speed rail? Will YHK be frozen?

If the online loan and credit card are overdue, the credit report will only affect the inability to borrow money to buy a house or a car, and nothing else will affect it. Unless they sue the court, the court will decide how long it will take you to pay off, and if you don't pay off within the specified time, the court will judge you as. It will affect the flying high-speed rail and the court's decision that you are ... Now the court will not accept the online loan lawsuit at all. Since we can't sue, it won't affect it.

14. What should I do if I don't answer the phone and I'm afraid of being cheated?

Fraud refers to the act of defrauding a large amount of public or private property by fabricating facts or concealing the truth for the purpose of illegal possession.

Debt, overdue, just because of various circumstances, money has not been paid back, and illegal possession, fictional facts, concealing the truth are two different things, there is no fraud, there is no need to worry at all. This is just a collection method. It is said that losing contact and fraud make you afraid, and you have to answer the phone to have a chance to intimidate you.