If the online loan is overdue, a letter will be sent to the household registration village Committee.

Legal analysis: they have no right to do this in civil disputes, and the court will not support them if the interest rate is too high.

Legal basis: Article 32 of People's Republic of China (PRC) General Rules on Loans;

The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract.

The lender shall issue a notice of repayment of principal and interest to the borrower three weeks before the short-term loan expires and 1 month before the medium-and long-term loan expires; The borrower shall prepare funds in time and repay the principal and interest on schedule.

The Lender shall timely issue the overdue loan collection notice and do a good job in the collection of the loan principal and interest.

Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit.

The borrower shall negotiate with the lender when repaying the loan in advance.

When you receive a letter from a lawyer, you can consider negotiating with the other party or prepare for a lawsuit. A lawyer's letter is a kind of advance notice, indicating that the other party is ready to file a lawsuit against the current dispute. If you don't want to go to court, discuss with the other party how to solve it after receiving the lawyer's letter. If you think you have no problem and are not afraid of being sued, then you don't need to worry about the lawyer's letter.

The lawyer's letter itself will not have legal consequences, just a warning. Lawyer's letter is generally regarded as a threat of litigation, which may be that the parties put pressure on the other party to make peace on their own initiative in order to gain the advantage of negotiation; It is also possible that the parties lose confidence in conflict resolution and issue a lawsuit warning. Of course, it may also include the purpose of the parties or lawyers spying on each other and tempting information.

Receiving a lawyer's letter does not mean that you will bear the risks mentioned in the lawyer's letter, nor does it rule out the possibility that the parties can make up for it, let alone the judgment of a non-owned court! So you don't have to be confused and act rashly because of the lawyer's letter. You can keep silent and follow the development of the situation, or you can hire a lawyer to discuss countermeasures, or you can send a tit-for-tat lawyer letter to the other party in turn.