How long will the overdue loan of Zhilian come for dunning?

There is no fixed door-to-door time for Zhaolian Finance. Generally, you will not come to the door immediately after the deadline. Zhaolian Finance will call or SMS for collection first. If you can't get in touch, call your relatives and friends. If you still can't get in touch, Zhaolian Finance is likely to come to the door for collection. Generally speaking, door-to-door collection needs to meet the following conditions:

1. Long overdue time.

2. The overdue amount is large.

3. Malicious breach of contract or non-repayment.

Consumer finance companies are different from private cash loans. They are set up by banks and other financial institutions, and the CBRC will set strict supervision standards. Therefore, the audit is very strict, and every user's credit information will be checked. If loans overdue, will certainly be credit.

Take a firm stand when you receive a collection call, and you will definitely pay back the overdue debts, but don't harass or explode the address book by phone, otherwise you won't pay back a penny. You can negotiate a certain repayment time with them, so that the other party may not be harassed by phone again. If you are dealing with usury products, you can calculate comprehensive rates such as interest and handling fees. If the fees, platform fees and membership fees add up to far more than the statutory interest, you can send relevant contracts, agreements, chat records and harassment screenshots to the CBRC for complaints. If you encounter phone abuse threats, bomb the address book, and send pictures in groups, you can keep the recording and text screenshots and report to the police station; If the overdue fee of usury is too high, you can choose to sue in court, and the court will calculate it. You don't need to pay more interest than the national regulations, and you can also ask for a refund.

After the overdue period exceeds 60 days, Zhaolian Finance will inform the debtor that he may be sued. As for when to formally prosecute, it depends on everyone's specific situation, some later, some earlier, and some not to prosecute. So it is more dangerous for everyone to be overdue for more than 60 days.

In order to prevent Zhaolian Finance from suing, we use reasonable methods to solve the problem, rather than delaying it. A more reasonable method is: when being collected by the financial department, everyone should actively communicate with the staff to explain their actual situation and apply for an extension of repayment of arrears; Explain your actual situation to the other party and provide evidence that you are unable to repay; After the two sides negotiate a new repayment plan, don't go back on our word, and pay back in strict accordance with the agreed plan.

Judging from past experience, if you can communicate honestly with Zhaolian Finance, the probability of being sued is still relatively small. So, learn to deal with it in the right way.