How long does the harassment of loan text messages last?

The time varies from one or two days to half a year, depending on the specific situation.

1. Before repayment: In order to reduce the internal bad debt rate, the online lending platform will let internal employees inform you by SMS or telephone before the final repayment date, which will last for 2-3 days.

2. Within one week overdue: During this week, the debtor will be bombarded by various online lending platforms. If he refuses to communicate all the time, the insiders will stop being polite and directly bomb your address book to inform your family and friends around you, so that people around you know that you are a person who owes money, and even send out some dirty pictures, which can be said to be "public punishment".

Overdue for three months: At this time, you have become a "stubborn and loyal" in the eyes of online lending platforms, so serial suspension is not feasible. At this time, the personal information originally filled in by the debtor will come in handy. The collection staff will expose your personal information in major media and send it to various post bars and QQ groups in groups. The collection at this stage usually lasts for 2 weeks.

The legal payment methods are as follows

1, reconciliation

When the creditor's right expires or is about to expire, if the debtor is temporarily unable to repay the debt but has the sincerity to repay it, the creditor may negotiate with the debtor on the time limit, method and amount of debt performance, and urge the debtor to fulfill the debt or sign a repayment agreement.

If the creditor's rights are secured by mortgage or provided by a third party, the creditor can negotiate with the mortgagor or guarantor, or ask the third party to "match the bridge" so that the mortgagor can pay off the debts in full with the mortgaged assets, or the guarantor can pay off the debts.

2. Ask the debtor to provide a guarantee.

The guarantee is a credit guarantee, which requires the debtor to provide the credit guarantee of relevant companies acceptable to the Bank and issue a written guarantee. When a lawsuit is filed, the guarantor may be listed as a co-defendant, and the guarantor shall be jointly and severally liable for the debtor's debts. It can be mortgaged or pledged. What is secured by real estate is called mortgage; It is called pledge to guarantee with movable property or rights. Once a lawsuit is filed in the future, the creditor may apply to the court for sealing up, auctioning or selling the mortgaged (pledged) property and get priority compensation. Even if the debtor goes bankrupt, the creditor who accepts the mortgage (pledge) guarantee still has the priority to be paid for the mortgaged (pledged) thing over other ordinary creditors.

3. Find out the debtor's industrial and commercial registration, assets and property protection.

Industrial and commercial registration is a true record of the establishment, change and termination of an enterprise. The debtor's assets should be identified and investigated in various ways and means in order to submit them to the court for seizure and freezing in litigation. To collect debts at home, you should remember the debtor's license plate number, office address and dormitory number, verify the ownership and mortgage of the debtor's vehicles and real estate at the vehicle management, land and real estate departments, and inquire about the subordinate enterprises operated by the debtor at the Industrial and Commercial Bureau.

Do a good job in property preservation measures. It is also based on the above-mentioned identification of the debtor's assets. Generally speaking, the seizure of the debtor's assets before the judgment will often put pressure on the debtor, forcing the debtor to take the initiative to repay or settle, because if the debtor's assets are disposed of by auction in the execution procedure, the debtor will suffer greater losses.