Is it true that Big Feiyun sent an IOU saying that the lawyer's letter was sent to his domicile?

Generally, such information is threatening. If you want to send a lawyer's letter, send it to yourself. You shouldn't disturb your family. This is illegal.

Nowadays, online loan products are widely used for credit reporting. If we don't pay back, it will be shown on the credit record. If we don't repay the loan once, it will affect the loan or apply for a credit card. If illegal households are caused, we will not be able to apply for loans or credit cards within five years. So once we stage it, we must remember to repay it in time, so as not to affect future credit.

Take the bank as an example, if you get the bank installment but don't repay it, you will be investigated for legal responsibility.

1. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being urged twice by the issuing bank, it can be considered as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

Those who maliciously overdraw 654.38+million to 654.38+million yuan shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; Malicious overdraft of 6,543,800 yuan to 6,543,800 yuan can be punished with fixed-term imprisonment of more than 5 years and less than 654,38+00 years, and a fine of more than 50,000 yuan and less than 500,000 yuan.

2. Credit cards have a certain deferred repayment period, during which the repayment is not overdue. But every bank is different in this period.

3. The minimum repayment amount by credit card is not overdue. There is a minimum repayment amount after the credit card bill comes out. The so-called minimum repayment amount means that the cardholder can't repay in full and deposit the minimum repayment amount. The bank regards the cardholder as having no breach of contract, which does not affect the credit investigation.

4. Temporary quota and cash withdrawal must be repaid in full and on time. Temporary line and withdrawal cannot be repaid in installments or at the minimum. If there is, you must repay in full to avoid insufficient repayment due to this negligence.

Article 201 of the Contract Law Where the person liable for loan breach fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, he shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.