If loans overdue 15 days, you should take your ID card to the neighborhood committee to sign it.

Loans overdue is the fault of the borrower. If you take your ID card to the neighborhood committee to sign it, it should be a means of collecting accounts and intimidating you. If you don't continue, it is very likely that you will really be collected, so in order not to affect your life, you must pay off the loan as soon as possible.

I. Consequences of loans overdue

1. There will be high penalty interest and liquidated damages in loans overdue. If the money is not paid by the repayment date, there will be high penalty interest and liquidated damages in addition to the loan interest.

2. The consequence of loans overdue's failure to repay personal credit is not only to pay high penalty interest and liquidated damages, but also to affect personal credit, which will be uploaded to the central bank's credit information system. Once loans overdue, there will be overdue records, at this time, personal credit will show bad results. If the overdue loan is not repaid for 90 consecutive days, it will be difficult for the lender to apply for a credit card or loan within 5 years.

You will be threatened to be confiscated. Every day, if loans overdue doesn't pay back the banks and lending institutions, it will send short messages to collect them first. If not, they will call your family and friends and even threaten to pay you back.

You will be taken to court by a complaint, even if you still don't pay back the money through various means, banks and loan opportunities will not take you to court. Once the case is finalized, you will go to jail.

Second, the common collection methods

1, telephone and SMS reminder. Telephone and SMS reminders are relatively normal collection methods, and most collectors realize the purpose of collection through telephone harassment, which is also the most commonly used means.

2, P pictures are sent in groups. When the collection staff bursts your address book and it doesn't work for you, the collection staff will choose the city mode of mass sending P pictures to put pressure on you, so as to achieve the purpose of collection, edit your personal information, attach your photos, increase your financial pressure on your friends in the address book, and let you take the initiative to repay.

3. Forge a lawyer's letter and pretend to be a court official for collection. If the illegal platform collectors dare not enter the court, they will forge a lawyer's letter to collect.

4. Third-party organizations collect money. Not all home visits are legal. If you come to the door just to ask you to pay back the money, it is legal without infringing your personal rights and interests. However, if the abuse is exported or even solved by force, it will leave evidence of violence to the other party and call the police directly.

5, handed over to the court. Collection is a legal industry, and violent collection is an illegal platform. In the face of customers who don't pay back the money, they will be handed over to the court through litigation.