How long will JD.COM be prosecuted for overdue IOUs? The result turned out to be like this!

How long will the IOUs be prosecuted after the deadline? There are two main situations.

1, and the overdue time is within 3 months.

If the overdue time is within 3 months, IOUs will generally not sue users.

At this time, Baitiao can't judge whether the user is maliciously overdue. The overdue situation is not a serious overdue, and Baitiao will not sue the user.

The overdue time is within 3 months, and the arrears are mainly collected by SMS and telephone.

If the long-term collection from the lender is unsuccessful, the collection staff will call the relatives and friends of the user to collect it.

In this way, relatives and friends will be harassed by a large number of collection calls, and at the same time, they will know that the user owes money and does not pay it back, thus affecting the reputation and image of the user among relatives and friends.

3. The overdue time is more than 3 months.

If the IOUs are overdue for 3 months, the platform may sue the users. If the overdue time is more than 3 months, and the user has not made any repayment operation during this period, then Baitiao will think that the user is suspected of maliciously overdue and therefore sue the user to the court.

Continuous overdue for 3 months is a serious overdue. For serious overdue, IOUs will consider suing.

However, because IOUs are small loans, the overdue amount of most users is not high, so even if the overdue time exceeds 3 months, IOUs will not sue users.

Tips: Whether IOUs will sue users mainly depends on whether the overdue situation is serious and whether the overdue amount is high.

If the overdue situation is not serious and the overdue amount is not high, IOUs will not sue users.

Because it takes a certain cost to sue users, when the cost of prosecution is higher than the amount of money recovered, IOUs will not sue users.

If you are facing the problem that online loans are overdue and being collected, I suggest you go to "Beijian Quick Check" to inquire, so as to get a detailed big data report, understand your overdue records, and classify your online loans, so as to distinguish between formal loans with credit information and informal loans without credit information. If you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.

Extended data:

The consequences of overdue IOUs are as follows.

1. Generate negative records: overdue records will be generated after overdue IOUs, which will be uploaded to personal credit information, resulting in poor personal credit information.

At the same time, IOUs belong to online loan products. After overdue, overdue records will be uploaded to online loan big data, which will also lead to problems with user big data.

2. Generate overdue penalty interest: the IOUs charge overdue penalty interest according to the number of overdue days. The longer the overdue days, the more penalty interest will be charged, and a large number of penalty interest will increase the repayment burden of users.

3. Encountered a lot of collection: After the overdue debt, the platform will send a collection message to collect it. When the overdue situation is serious, it will even be collected at home.

Moreover, when the collection from the lender fails, it will also call the relatives and friends of the user for collection.

4. Account restriction: After the IOUs are overdue, users will be restricted from using IOUs, and online and offline payments cannot be made with IOUs during this period.

5. Affect other loans: If the IOUs are overdue, users will not be able to apply for gold bars. At the same time, since the overdue records of IOUs are uploaded to personal credit information and online loan big data at the same time, subsequent users will not be able to handle other credit businesses.

6. Affect daily life: Some users will use white bars to pay for their daily consumption. When the use of white bars is restricted, the daily life of users will also be affected. Secondly, a large number of collections will also affect the daily life of users.

7. IOUs sue users: When IOUs are overdue, IOUs may even sue users. Once sued, the user's personal credit will be further damaged.

8. Require full repayment: After the debt is overdue, the collector may require the user to repay in full, which will increase the repayment burden of the user.

9. List as Risk: If the IOUs generate overdue records, users will be listed as risks, and whether users can continue to use IOUs afterwards depends on the display of the page.

10. Line adjustment: the system will adjust the loan line of IOUs irregularly. When the IOUs are overdue, the system may reduce or even recover the loan amount of IOUs. If the debt is overdue for 3 months, the user may be sued. As for the consequences of overdue IOUs, they are usually serious.