What does it mean to send a text message saying that the law firm prevents the transfer after the consumer finance is overdue?

"Sealed and handed over" means to seal up your personal files and hand them over to the next department, either to the public security organ or to other institutions. However, if this information is sent to you by the loan platform, be careful. This may be a way for them to scare you, in order to make you pay back the money as soon as possible. If the other party insists that what he says is true, then you should ask the other party to show relevant documents, otherwise don't believe what the other party says easily. Even if the other party shows their certificates, you should identify the authenticity.

No matter what the other party's purpose is, if you really owe money, I suggest you raise money to repay it as soon as possible, otherwise the consequences will be very serious. The specific consequences are as follows:

1. First of all, the loan will not generate bad credit records, which will affect other credit businesses in the future.

2. Lending institutions will charge overdue penalty interest and liquidated damages. The longer the overdue time, the more money you need to pay.

3. If the overdue period is long and the amount is large, it may be sued by the lending institution. If the court still refuses to repay the loan after the judgment, it will be included in the "list of untrustworthy executors" and may not take high-speed trains or planes.

If you don't have enough money to repay at present, I suggest you negotiate with the other party to repay by installments. You can refer to the following communication skills:

1, take the initiative to contact the other party to negotiate, to show that they are not maliciously in arrears, but there is really no way at present. Tell each other your difficulties and be sincere;

2. Make an installment repayment plan. According to their own financial situation and future income, digest the remaining arrears by stages. For example, 12 installment, how much does it cost per installment? Only when the plan can be implemented can the other party agree with your plan.

3. Sign the repayment agreement, both in paper version and electronic version. After consultation, repayment must be made on time. If it is not returned on time, the other party may come to collect it again.