Ask professionals, online, etc. about whether the notice of the auction of loans is true.

First, the collection notice. This kind of notice will usually be sent to you in the name of the company or law firm, urging you to repay as soon as possible, and there will be no consequences. These reminders, like telephone reminders, simply tell you that you should repay.

Coping strategy: be able to repay as soon as possible, but not in time. Try to negotiate. If negotiation fails, you can ignore it.

2. Notice of litigation (lawyer's letter). This kind of document is usually sent to you in the name of a law firm, telling you that you will face litigation if you don't repay. In fact, if the amount of debt is not large, most of it is forged. After all, lawyers charge a lot. If the amount is large, some may be forged and some may be true.

Coping strategy: you can log on to the lawyer's website or the law firm that signed the bill to inquire about the specific situation and distinguish whether the lawsuit notice is true or not. If it is false, it can be ignored. If it's true, I suggest you negotiate repayment with creditors. You really have no repayment ability, so you can only wait to be sued.

Third, the report notice. Have you ever seen the public security department file a case and told the parties that I want to file a case, giving you a chance to run away or destroy the evidence? Once a case is actually reported or put on file, you will not be notified, and you will only be contacted if you need to assist in the investigation, and the people who contact you are generally people from the public security department.

Coping strategy: just scare you. 100% is false, just ignore it.

4. Notice of hearing (court summons). If you are really sued, the court will definitely send you a paper summons stamped with a red stamp, and at the same time, it will contact you by phone in advance and deliver it directly. If the journey is far away, it will also communicate with you by phone first, and then deliver it by express delivery of China Post.

Coping strategy: This notice of hearing can also be called a summons. Remember that the court will contact you first and then deliver it. It is fake to use any means such as WeChat or email. And it also has the contact information of the court. You can consult according to the contact information, or you can log in to the court in official website to find the contact information for consultation, so that you can distinguish between true and false. If it is false, you can report it to the local authorities by swindling. If it is true, I suggest you appear in court to explain the reasons for overdue and negotiate repayment. Especially in the case of disputes over the amount of arrears, you must appear in court to safeguard your rights and interests.

Article 279 of the Criminal Law: Whoever impersonates a functionary of a state organ to swindle and swindle shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or deprivation of political rights; If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years. Whoever impersonates the people's police to swindle and cheat shall be given a heavier punishment in accordance with the provisions of the preceding paragraph. "As long as the perpetrator pretends to be a staff member of a state organ to cheat, it should be treated as a crime in principle.