Can all kinds of software SMS harass the US Mission's living expenses collection staff to sue?

1. Why does the collection say "This is the last negotiation before litigation, and you will be prosecuted if you refuse to return it"? Because it can bring you pressure and make you feel that time is tight, as if "no repayment today, court session tomorrow, compulsory execution the day after tomorrow". You will feel panic, and you will try your best to collect money, even if you borrow black loans and earn high profits, it will be included in your consideration. When you have this idea, the collected psychological tactics come into play. Because the collection knows that most debtors are overdue, it is impossible to turn the money over and repay it in a short time. For example: A Jun is overdue on a certain platform 15000 yuan, and it will take about three months to earn money and pay it off. Mr. B needs to take over the collection of overdue materials from Mr. A within one month. After the timeout, Mr. A's case will be transferred to other collections.

After reading Mr. A's materials, Mr. B knows that it is impossible to urge repayment within one month by conventional means. Because paying off 15000 in one month is beyond the ability of A Jun, so we can only use some "unconventional" ways. For example, send a lawyer's letter, notify before litigation, and send a text message to inform that today is the last negotiation day before 17, otherwise prosecution will be initiated. As for how to collect money beyond your ability after seeing it.

Whether it's borrowing high interest rates, black loans or anything else, Mr. B can't manage it, and he doesn't want to manage it. Anyway, there is only one idea in Mr. B's mind: let Mr. A pay off the debt within one month, and then close the case with commission. So the text messages that parents receive are just their routines. Look at them. If you really do it, you lose. As long as you are willing and able to repay; In the case of collecting the principal, you can negotiate repayment with the platform. Even if it is really sued, it can still be negotiated. Repayment must be paid, after all, this is a mistake made by yourself. However, you need to make reasonable repayment and use your own income to repay. Instead of avoiding the harassment of collection, I chose the wrong way to raise loans with loans.

2. When the debt exceeds your repayment ability, you will often receive various dunning messages. Dunning letters, warning letters and all kinds of dunning messages have no legal effect. They just remind you to repay as soon as possible, and only play a role in urging.

3. If you are really put on file by the public security organ, the public security organ will summon you instead of notifying you of the seizure. As far as personal loans are concerned, as long as there are no fraudulent acts such as forging false certification materials, they cannot be obtained at all. Whether it is online loans or bank loans, whether it is thousands or millions of debts, it will not involve loan fraud.