The online loan was sued. What should I do? What preparations and materials need to be made?

The borrower received a lawyer's letter, a wanted order and a notice of hearing, and threatened to go to jail if he did not pay back the money. So what is the real situation? Will you go to jail for refusing to repay the loan shark? What will the court decide?

First of all, 99.99999% of the so-called lawyer's letters, wanted orders, court notices, etc. It's all fake! Almost all of them are fake.

Because there will always be such violations in the matching process of the current platform, and the cost of suing this matter is high, and the platform is risky, naturally it will not really sue you.

Also, as an intermediary platform for matchmaking, the platform is not a creditor, so strictly speaking, there is no right to sue you.

So what if some students say that they have received the trial notice? Don't worry, of course it's fake.

What if you are really sued? Will you go to jail?

Don't worry if you are really sued. First of all, this is a civil dispute, not a criminal dispute. The court will only order you to repay, and there is nothing the court can do if you have no money to repay. This situation is definitely not going to jail. Finally, repayment must be negotiated.

Others say that the collection meeting will be blacklisted and the executor will be broken, which will affect the future life and children's education.

It's not good that this kind of dishonesty is carried out. Since you can't pay back, you can't be on this list.

Of course, if you really want to get rid of this situation, you have to make money by yourself, negotiate repayment, be light of debt, and remember this lesson, spend rationally and stay away from online loans.

The online loan was sued. What should I do? What preparations and materials need to be made? First of all, we must find out whether it is a real lawsuit or the other party's bluff.

Generally speaking, if you are really sued, the court will use the office landline to call the party's mobile phone and tell you to get a subpoena from the court, or send the court summons through the court express (a type of EMS) of the post office. And those notified by mobile phones, using ordinary letters and private letters, are mostly fake, so beware of being fooled.

Secondly, if it has been confirmed that it is really being sued, then it is necessary to seriously prepare for responding. What you need to prepare is nothing more than evidence to prove the repayment amount of your loan, such as bank receipts and the other party's payment notice. All the evidence that can prove the repayment amount of your loan should be collected. The more evidence, the better for you.

Third, during the trial, the judge can agree to ask for advice on whether to mediate, and then say that his income is limited this year, and strive to solve the problem by stages with no interest or low interest. If the other party has a tough attitude and doesn't agree to mediation, then you should also say that you can pay the interest below 24% per year at most according to the law, including all so-called handling fees, late fees, liquidated damages, penalty interest and so on. If the court decides, the maximum support will generally be 24% per annum.

Fourth, if you find that the other party is involved in illegal activities such as routine loans, you can call the police in time.

The above answers are for reference.

Because the online loan is sued, first of all, it is necessary to know whether you are really being sued, that is, whether you have received the information source being sued, whether it is a phone call or a text message sent by a mobile phone number. Such charges are false.

To judge whether it is really prosecuted, the materials received will generally have a notice of prosecution and the case number. More importantly, this notice must be signed by myself, and it is issued by the post, or the ID card of the registered signatory. Other couriers are fake.

There is a more important chapter that belongs to the court. No one dares to fake it, just like the one in the picture. Like those who go to court, it can be said that they are all false.

Moreover, only real cases can be found on the China Document Network or the local court network, so you should first judge whether you have really been sued.

As for what to prepare after you are really sued, I will attend on time, but this attendance basically asks whether your debt exists and whether you admit to borrowing or using it. What is the current income, how to repay it and so on.

Just follow the answer he asked you. Of course, if you are prepared, it depends on whether you have other real estate. If not, just say so. If yes, explain how to handle the repayment through the change. These are definitely involved.

If it is an online loan, I believe there is still beheading interest. You can make comments and need to search the records yourself. But I believe that the general online loan inspection is provided, otherwise they can't prove that the money has arrived in your account. All the money in your account has been used anyway. Prosecution may be an end. If no assets can be found after the prosecution, the number of collections will be significantly reduced. So on the other hand, you really can't afford it, as long as you appear in court yourself.

Being sued is a good thing in a sense, and the benefits are generally less than yourself. Because of the loans of online lending platforms, the comprehensive interest rate is generally above 24% and between 36%. If you pay by yourself, you can't just pay 24%, and the online lending platform doesn't necessarily agree to negotiate relief. However, when it comes to the court, only 24% will be guaranteed in one year, which is beyond the scope of support. Moreover, you can also see if you have been beheaded. How much money did you receive from the loan at the beginning was calculated according to the principal, not according to the algorithm of the online loan platform.

Therefore, being sued by online loans is much better than being collected by online loans all day after the deadline. how much is it? Judge according to law. Prepare the evidence of the original payment, the amount of repayment, and the calculation of interest at the court session. If the defense exceeds the statutory annual interest rate of 24%, some courts will not support it.

Online loan prosecution is actually a good thing, and the court will judge us to repay the principal and reasonable interest. Moreover, online lending belongs to private lending, which is a civil dispute and has nothing to do with criminal cases.

In fact, unless it is a summons from the court, the situation mentioned by the landlord can only be considered as being really prosecuted. Other lawyers' letters, dunning letters, etc. It's all fake, just a means.

You must remember that you should talk to people who have borrowed money from you. Other law firms can answer the phone to collect money, but to make a good recording, first ask the other party, work unit, name and work number, and they will definitely not say, I'm sorry, tell them that there is a recording, and the arrears will only be discussed with the platform, and nothing else will be discussed!

I hope I can help you!

First of all, it depends on whether the prosecution is true. According to my years of work experience, the third-party collection company is largely a routine, not necessarily true. Then the first step is to verify the authenticity of the prosecution, which is much simpler. Whether the indictment is stamped with the official seal and which court it belongs to, just call the court directly and ask. Then call the official customer service of the online loan company directly, write down the other party's work number and let them confirm the authenticity. Remember, all inquiries and phone calls from the other party should be recorded.

If it is true, you should actively respond to the lawsuit and don't be afraid. Because lending is a civil liability, it will not be sentenced. The most is to pay back the money. Online loan companies will negotiate. They know very well that the longer they delay, the greater the loss. Litigation is not free, so much manpower and material resources. Online lending companies use customers' ignorance and unfamiliarity with relevant legal knowledge and processes, and use customers' fear as a lever to achieve the goal of recovering funds as soon as possible.

Litigation is definitely a good thing for you, because even if you don't go to court, the credit information has been destroyed, which is an indisputable fact. The annualized interest rate supported by the court is clearly defined. It must be lower than your loan interest rate, which means it must be lower than your voluntary repayment and penalty interest (in the case of no agreement in the early stage). You can also settle out of court, repay the principal without interest and reduce the penalty interest. That depends on how you talk about it. You need to submit your past proof of repayment, running water and other proof materials to explain the real situation and difficulties of your non-repayment. As long as you have no repayment ability, you can basically reach a state of reconciliation. After all, the online loan quota is relatively low. I've lost my money for a long time. It's good. If there were no branches, would they go to court thousands of miles or thousands of miles away? No one will do anything thankless. Online lending companies are all for profit, not charities! The staff also get a commission, but it's hard to say that the money they get back is not enough, and no one will do that. Unless it is your own reason, let the online loan company reach the point where it can't tolerate and forgive you, even if it loses money, it will toss you.

It will be much easier if it is confirmed that it is a false accusation. Your loan is a civil liability and will not be sentenced. Malicious collection and violent collection are all criminal responsibilities, which can be serious for three years. You only need to collect relevant evidence and telephone recordings, which can be used as an auxiliary basis for your settlement in the future and as a weight for negotiating with online loan companies. Of course, if the harassment is too serious, you can choose to call the police directly and take up legal weapons to safeguard your rights and interests.

Finally, a word of advice, don't support loans with loans, it will always be a dead end. Making money and paying back the money is the last word. Don't break the contract maliciously. It is only natural to borrow money and pay back the money. It is your responsibility to borrow money and pay it back. Wish you an early landing and a healthy life. @80 with or without it

The online loan is prepared to be sued as follows:

Check first to confirm who the plaintiff is and in which court the lawsuit was filed. All this information is in the notice of responding to the lawsuit, and then call the court or go to the court to confirm whether it is true or not. If it is true, actively respond to the lawsuit and ignore it.

Second, being sued shows that online lending companies are more formal, and you should be prepared with evidence of how much money you have collected and evidence of paying back the money. The bank has the best running water to prove that although you are overdue, how much money you paid back, how much money you paid back, what was the interest agreed in the online loan contract at the beginning, and how much interest you have generated so far. You should calculate well and be self-aware.

Third, check laws and regulations. How much do you think you should repay? There is a legal basis, including interest, penalty interest, compound interest, handling fees, guarantee fees and so on. These are all ready.

Then according to the above calculation results, compare the other party's prosecution requirements and write a defense, thinking that the other party's appeal is inappropriate.

You don't need to prepare anything, just bring the indictment. There are too many people in charge now. Courts all over the country hold sessions in batches, and there is no court defense link at all, so debtors are bound to lose. Now, from the trial to the judgment, the fastest time is one month. If it is a serious illness, just bring the discharge summary.

First of all, we should judge the authenticity of the prosecution information. At present, it is very unlikely to file a lawsuit against online lending. A few years ago, some large online lending platforms did sue overdue borrowers, such as X letter, X payment and X faction. But this is basically not the case now. Generally speaking, receiving relevant information is a routine of collection.

The amount of online loans is small, and the prosecution is not worth the loss. Moreover, many online loans have their own problems, such as rate violations, beheading, etc., and generally do not expose relevant information to the court.

Since the second half of 20 18, with the soaring bad debt rate, some online loans really want to solve overdue debt disputes through litigation. I understand that some online loans have also applied to the court for filing, but they are generally not established. First, the court itself has a heavy workload, and second, the actual trend of online lending is still unclear.

If you receive a court summons, you can go to the court official website to check the case number at the first time, and you can only confirm the prosecution if you have relevant public information.

Secondly, there is no need to panic when being sued, which is not necessarily a bad thing. To be clear, the debt problem is a civil lawsuit, and there is no risk of imprisonment. Don't worry too much.

Moreover, at this stage of the court, the online lending platform is likely to advocate calculating the principal and interest of the annualized 24% interest rate according to the actual amount, and voluntarily exempting unreasonable interest charges, otherwise the court will not support it.

Once online loans choose to go to court for prosecution, they will generally stop collecting money. In fact, for the debtor, a reasonable response is much better than being violently collected every day.

Prepare evidence such as online loan agreement, loan and repayment flow, and platform violence collection, and actively respond to the lawsuit. Online loans are generally held in batches, and there is no trial defense link.

However, relevant evidence should be prepared for responding to the lawsuit. If the demand for online loans is unreasonable, you can submit relevant evidence to the court to safeguard your rights and interests.

Generally speaking, it is impossible to sue online loans at this stage, which is unhealthy. Their requirements are generally the principal and reasonable interest within 24%.

There is no doubt about the court's decision, and creditors' compliance demands must be supported. The debtor may execute it according to the judgment of the court. After all, it is not worthwhile to become a "untrustworthy executor" for tens of thousands of dollars.

Pay attention to the big fish saying debt, and update your answers every day.

Let's start with the debt problem, the solution, and the things behind the choice.

The online loan was sued. What should I do? What preparations and materials need to be made?

The simplest and rudest material: RMB [I want to be quiet]