I have an installment payment that has been overdue for two years, and I suddenly received a message saying that I would come to my door. Is this true?

Legal analysis: Depending on the degree of overdue payment, the platform will send you a text message or notify you by phone when the installment is overdue. As time passes, interest will be charged for the overdue period. If you still don't pay the fees, you will be charged, which will affect your credit and even sue you. 1. Bear high overdue fees. For overdue fees, different online loan platforms have different names and charging standards. Whether it’s called overdue penalty interest, overdue management, or other various names, the charging standards are very high. Therefore, if you are able to repay your loan on time, do not overdue it. 2. Accept the platform’s fancy debt collection methods. Debt collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service MM will whisper and warmly remind you that it is overdue, please repay on time; the second stage, the overdue period is longer, the platform customer service will be serious Warning, if the threat is overdue, serious consequences will be faced; in the third stage, if the deadline is overdue for a long time, the platform will no longer persuade with good words and start to take practical actions. There are many types of practical actions, for example: the platform will push your debt information to your relatives and friends, making you lose face in your circle of friends; the platform will arrange for dedicated collection personnel to come to collect collections, communicate face-to-face to collect accounts, etc. Of course, these are relatively mild. Some platforms outsource debt collection and let specialized debt collection companies handle the debt collection. I believe borrowers are not willing to encounter the "violent debt collection" scandals reported some time ago by debt collection companies. 3. Facing a national crisis of trust. Now all online lending platforms have established a blacklist system, and the blacklist platforms have begun to communicate with each other. If you fail to repay a loan on one platform overdue, it will be very difficult to borrow again on other platforms. In addition, online lending platforms will publicize the blacklist through their own online channels such as WeChat and Weibo, and even on large screens at train stations and airports. Let the people across the country know that these "old people" borrow money and refuse to repay it! Of course, except for those who owe money maliciously, ordinary borrowers will not go to this step.

Legal basis: "People's Republic of China and Civil Code"

Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop Issue loans, withdraw loans early or terminate the contract.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.