How about Tik Tok's online loan dunning?

If you are urged to repay overdue loans, I suggest you take the following measures:

1. Stay calm and don't panic or make false promises.

2. Contact the borrowing platform or borrowing company in time, explain your repayment difficulties, and ask for an extension or installment payment and other negotiation schemes.

3. If you receive threatening or threatening phone calls or text messages, you can complain and report to relevant departments.

4. Avoid using high-interest online lending platforms, and carefully choose credible legal institutions to borrow money, so as not to fall into unbearable repayment pressure.