If the online loan is not returned, will my wife's bank account be frozen?

1. The online loan company will collect money from you in its own way, such as calling and texting you, calling and texting your family, relatives and friends, or telling your company your information. If the amount is not large, they will continue to use this gentle collection method. If the amount is large, you may face violent collection. It is only natural to pay back debts. If you can't pay back the money on time, the online loan company may eventually take you to court, and the court will decide that you must return it. So try to pay it back. In the future, staying away from online loans is usury, and you can't afford interest.

2. Bank accounts can't be frozen even if they want to. It must be clear that the bank is not opened by anyone, and whoever goes to the bank to close the account will not be closed. It must be decided after a court hearing. Banks will be frozen according to the judgment, not because a company is looking for a bank, nor because creditors are looking for a bank, because you owe people money. It must be decided by the court. Just like China Merchants Bank recently applied to freeze the assets of LeTV and Jia Yueting, it has to go through the court.

Online loans are overdue to the court. Generally, civil disputes are prosecuted, so they will not bear criminal responsibility. However, after being sued, the consequences of refusing to repay are more serious. Don't take any chances, you still have to bear the money you owe. After the court makes a judgment and the judgment takes effect, the borrower still fails to fulfill the repayment obligation as required in the judgment. Lending institutions will apply to the court for enforcement. In this case, all the property in the borrower's name (not just bank accounts, real estate, vehicles, etc.). ) will be seized and frozen.

Husband and wife debt refers to the debt owed by both parties or one party to meet the needs of life or fulfill the obligation of raising, supporting and supporting. Article 24 of the Interpretation of Marriage Law (XXII) stipulates that the following situations do not belong to the same debt of husband and wife:

Debts agreed by both husband and wife to be borne by individuals according to law;

Debts incurred by one spouse due to unreasonable personal expenses;

Other debts that should be borne by individuals according to law, such as debts incurred by one party due to illegal and criminal acts or torts.