I suddenly stopped calling for collection. Do I want to sue?

What should I do if I owe dozens of online loans? What should I do if my online loan suddenly stops calling?

I owe dozens of online loans, what should I do? What should I do if my online loan suddenly stops calling?

What should I do if I owe dozens of online loans?

Currently, the issue of online lending has attracted much attention. Some people have benefited from online lending platforms, some have gained convenience from online lending platforms, but some have fallen into the abyss of debt because of online lending platforms.

There are online loan users who owe dozens of online loans. So what should borrowers do in this situation?

Repaying debt is a matter of course. Faced with this situation, borrowers must face it actively. Avoiding will not solve the problem. As long as you think of a way, it can always be solved.

Never think about running away, let alone feel that you cannot bear the financial pressure and choose suicide. You must bear it bravely.

If the arrears on each loan platform are not large, you can try to negotiate with the platform staff for repayment, and then work hard to pay off the arrears.

If the user owes a large amount, it is recommended to borrow money from relatives and friends. First pay off the debt on the online loan platform, and then repay the money to relatives and friends. After all, you can borrow money from relatives and friends. No interest payment required.

The borrowing interest on online loan platforms is not a small fee, which allows borrowers to pay off their debts as soon as possible and then live a normal life.

What to do if an online loan suddenly stops calling to collect debt?

Generally speaking, if an online loan suddenly stops calling to collect debt, it is not because the platform has given up on recovering the money, but because of debt collection. This method does not allow the platform to achieve the purpose of recovering arrears, so the online loan platform may have changed its collection strategy.

The platform may outsource the collection work to a specialized collection company, so the borrower may face more frequent phone calls or even door-to-door collections. When the loan platform outsources the collection work to a collection company, It is not ruled out that collection companies will violently collect debts from borrowers.

If the platform stops making collection calls, another possibility is that the platform is preparing to sue the borrower. If the user's overdue amount is large, the debt has been owed for a long time, and the debt has not been recovered after repeated collections by the platform. If the loan is made, the platform may sue the borrower.

Therefore, the platform suddenly stopped calling. It is very likely that the platform is preparing to collect relevant information to sue users who owe money. Therefore, it is recommended that borrowers take the initiative to contact the loan platform, explain the situation, and repay the debt. Will a lawsuit be filed if collection calls are stopped?

Legal analysis: Stopping collection does not mean that a lawsuit will be filed. There are many possible reasons.

For example, the platform has given up collection and plans to treat the debt as bad debt; the platform outsources the debt to a third party, and the outsourcing company will subsequently collect it; the debt is reimbursed by the insurance company, etc.

But at the same time, it should be noted that once the platform sues a user who owes money, and the court determines that the user intentionally failed to pay back the debt within the time limit, he will be listed as a breach of trust person. Not only cannot you apply for credit finance, it will also have a negative impact on your daily life.

Legal basis: Article 293-1 of the Criminal Law of the People's Republic of China Fixed-term imprisonment of not more than 10 years, criminal detention or surveillance, and concurrently or solely a fine:

(1) Using violence or coercion;

(2) Restricting the personal freedom of others or invading others Residential;

(3) Intimidating, stalking, and harassing others. The loan is overdue and the collector suddenly stopped collecting it. Why? Do you still need to pay back the money?

The lack of collection calls may be due to the transfer of debt, changing to another collection company, entering the litigation stage, etc. Of course, the money still needs to be repaid. After some people borrow money, it may be overdue due to various reasons. At this time, we will face various calls and text messages for collection, and even relatives and friends will be affected.

But suddenly one day, my current friends found that all kinds of collections were gone, as if they didn't owe money, and they even felt a little uncomfortable.

First of all, the disappearance of collection may be due to the transfer of the debt. Many online loan platforms also have certain insurances. If the debt cannot be recovered for a long time, the insurance will repay it on your behalf. This is equivalent to transferring the debt to the insurance company, so you will not receive collections for a long time in the future. News, this is very normal. But this does not mean that you don’t have to pay back the money you owe. You must know that it is natural to pay back the money now. The other party will definitely use other methods to try to get you to pay back the money. It is just a matter of time.

Secondly, it may be that another collection company has been changed. You must know that these debt collectors rotate on time. Don't think that they are all from the same company. If the money owed is not returned after a long time, they will change to another company and continue to work. It's just that due to the handover, the collection work may temporarily stagnate, but it won't be long before these harassing collection messages will come again, even more violent than before, so you still have to be mentally prepared.

Finally, this account may enter the litigation stage. When the bank believes that the other party cannot repay the money and the overdue time is too long, they will select some accounts to start litigation procedures, and naturally there will be no need to continue to collect collection. We may receive a lawyer's letter from the court in the following period. If we still fail to repay the debt, we will be forcibly blacklisted and so on. But no matter what, we should not give up repaying the money just because there is no collection information. We should still work harder to repay the money as soon as possible.