Consumer Finance loans overdue has sent a lawyer's letter to file a lawsuit for nearly half a year. Is it true?/You don't say. What should I do?

Real. Immediately, if the finance is overdue for a long time, it will be urged by means of prosecution. The debt should be repaid, and if the creditor refuses to repay after being urged, the court will make a judgment of compulsory repayment. If the debtor is temporarily unable to repay for free, both parties may negotiate to repay by installments.

Generally, loans overdue will send a short message to inform the borrower to repay the loan in time in a day or a short time. In addition, the address book will be exploded, and friends and relatives in the address book will be notified by phone message to urge repayment. At the same time, they will be notified by phone, and financial institutions can immediately file lawsuits and arbitration with the court, collect loans through judicial procedures, or force repayment through the court.

1, actively negotiate. If the borrower encounters repayment difficulties, don't evade the debt, which will only make everyone's debt more and more. It is suggested to actively contact the lending institutions, tell them about their actual difficulties, tell them that they are willing to repay, and see if the platform can bend the rules, extend the repayment period and ease the current repayment pressure.

2. Clear up the finances and make repayment plans. Be sure to know how much money you owe. Many borrowers don't know how many platforms they borrowed and how much money they owed. Therefore, if you want to go ashore, you must sort out your debts and choose the most suitable way according to your actual arrears.

3. Ask your family for help. Once caught in the whirlpool of online loans, it will inevitably involve family members and be easily exposed to the address book. At this time, you should take the initiative to contact them and seek a solution. Don't run away In this case, it is important to get help and support from family members. Most borrowers are caught in online loans because of face problems. At this time, don't care about the so-called face. Only when we get ashore can we help you.

4. Work hard. It is absolutely impossible without income. Working hard to make money is the best way. You must find ways to make more money, you must not lose your usual job, or you can find ways to do some part-time jobs.

Immediately Consumer Finance Co., Ltd. was established on June 20 15 15, and its business scope includes personal consumption loans.

Personal consumption loans refer to personal loans issued by banks to borrowers who apply for purchasing "reasonably used consumer goods or services". Personal comprehensive consumption loans refer to RMB-guaranteed loans issued by banks to borrowers who do not have specific consumption purposes. Customers apply for loans from banks in the form of "consumer goods or services for reasonable purposes", mainly including personal housing, automobiles, general student loans and other consumer personal loans. The longest loan period is no more than 20 years (taking personal housing mortgage loans as an example, the longest term of commercial loans is generally 20 years); At the same time, it is necessary to provide property mortgage, pledge or third-party guarantee recognized by the loan bank (some banks only accept mortgage or pledge) as loan guarantee conditions.