After your online loan is overdue, what should you do if you are bombarded with collection calls every day?

The New Deal has just come out, and many platforms are carrying out compliance rectifications. Recovering loans as soon as possible in a short period of time is the first choice of most platforms. In order to achieve this goal, it is expected that the collection force will be excessive.

Negotiate and resolve the problem peacefully

The ultimate demand for debt collection must be to recover funds. The borrower only needs to keep this in mind, express his willingness to repay, or give a clear repayment time, or repay part of the money within his ability. In short, let the other party believe that he will repay the money, and that he will repay it in full. At some point in the near future. If negotiation fails, report it

You can report it to the media. Under normal circumstances, platforms that do have violations will restrain themselves after being exposed by the media. Media exposure will also attract the attention of relevant departments and even directly investigate and deal with it. You can also report to the China Internet Financial Reporting Information Platform.

Call the police and submit clues

You can call the police directly and submit relevant clues and information such as SMS WeChat screenshots and phone recordings to the police to assist the public security organs in solving the case as early as possible. This can maximize the to protect the borrower’s personal safety.

These folk solutions are not advisable

Replying violence with violence

This approach will only create a vicious circle. You retaliate against me, and I retaliate against you. If people gather together in gangs to fight with each other, causing public order to be destroyed, both parties may be convicted of affray. If revenge fails, he will be punished.

Disappeared

Block collection agents, change mobile phone numbers, move away from home, and disappear. This is simply not a solution to the problem. If the circumstances are serious, the borrower will be taken to court. If the borrower still fails to fulfill his repayment obligations after the verdict is pronounced, he may be included in the list of dishonest persons subject to execution, thus affecting his normal life.

Friendly reminder

We need to remind everyone that even if the platform or third-party organization is guilty of violent collection, it does not mean that the debt cannot be repaid.

We must be good at using the law to protect ourselves, and we should not miss a share of the money we should pay back to others. If you come to collect the amount that exceeds the legal limit, I will have reason not to pay you back.