Is online loan collection really terrible? What are the means?

What I want to tell you today is one thing that every brother will encounter-collection.

Of course, if you always pay on time and never overdue, you will have no chance to deal with this group (which must be a good thing).

When it comes to collection, the collection method of each peer-to-peer lending platform is different. At present, the collection methods are mostly telephone bombing, SMS bombing and violent collection. I believe many borrowers have encountered or are facing the threat of such collection.

So if you owe thousands of dollars, will the online loan collection really come to visit?

First of all, if it is seriously overdue, it is not impossible for the family to collect money. But there are several characteristics:

The quantity is generally not too small.

There is no communication or bad relationship during dunning.

The expiration date is too long.

Therefore, if the overdue debt is only one or two thousand, the basic collection will call, send text messages and send WeChat to urge you to pay back the money every day. Don't ignore it at this time, and keep good communication!

At a certain moment, if the communication atmosphere is ok, negotiate with him, and maybe you can apply for repayment concessions, such as appropriate interest reduction, which is absolutely good for you. (Don't believe that it is impossible to write off the account only by paying back the principal), but the probability will be very small.

The real door-to-door collection is basically not the staff of online lending institutions. If you really come to the door later, it means that your loan information has been transferred to the "third-party collection company".

At this time, the wisest thing to do is to show your willingness to repay first, not to overdraw maliciously, but to be unable to repay. This is very important.

Besides, even if you do come, don't be too afraid. As long as he has any illegal behavior, you can call the police to protect the rights and interests of yourself and your family! Of course, you must never take the initiative to provoke contradictions. You can talk as well as possible. Any impulsive action is negative for yourself and your family.