How long will it take for the online loan collection bombardment to stop?

How long will it last for online loans to explode the address book? After this long, the collection will stop!

; Exploding address books is a very bad collection method. No matter what the reason is for overdue payment, many online loans will always use the method of exploding address books and bombarding with phone calls, making it difficult for people to guard against it. Being harassed by phone calls will also bring your reputation into disrepute. So how long will the address book explosion last? How long will it take for it to stop being urged? Since the collection mechanism of each online loan platform is different, there will be differences in collection intensity and time:

1. The collection duration is related to the loan amount and online loan scale. Generally speaking, the larger the loan amount, the larger the loan amount. , the longer the collection time, after all, the salary performance of collection personnel is related to the collection rate. The larger the overdue amount, the higher the profit, so in order to allow you to repay, we will not hesitate to spend a lot of energy and time on you. In addition, the bigger the online loan company is, the more collection personnel there are, and the institutionalized management means that everyone who is overdue will be collected, and they will be called constantly. Summary: Exploding your address book has nothing to do with changing your phone number or turning off your phone. It will continue to harass your family and friends. It has something to do with the above factors.

2. Exploding the address book is related to the debt collection process. The first three months are when the debt collection intensity is the strongest. As long as you can withstand these months, the debt collection will be less in the future, so you can discuss it with your family in advance. , friends say hello and requests are ignored. There will be almost no collection calls after half a year. It is estimated that some anti-aircraft artillery platforms have closed down, not to mention there are so many overdue people. It is impossible for debt collectors to stare at you every day for such a long time. Moreover, people who have not repaid for more than half a year will Basically, there will be no repayment, and this account can only be included in bad debts. Therefore, the duration of blasting the address book is very short. If calling family and friends has no effect, the blast will not continue because it involves too many areas. If there are complaints and reports, the company will probably go bankrupt. As long as everyone can withstand the front After three months there were no problems. How long does it usually take to collect online loans

1. Positive answer

As for the collection of online loans, each platform has different regulations.

2. Specific analysis

When an overdue situation occurs, most platforms will start collections that last for three to five months. If the repayment continues for more than six months, some platforms will The collection may be outsourced to a specialized third-party collection company, and the collection company is expected to continue for about half a year.

If there is no response after continuous collection for more than a year, as the arrears become longer and longer, some platforms may stop collection and treat the arrears as bad debts if they see that they cannot collect the money. Bad debt processing; and if the amount of debt owed is large, some platforms may eventually sue in order to recover the money and use legal channels to get the repayment as soon as possible.

After receiving a reminder call or text message, you should immediately find a way to pay off the overdue debt. After the payment is completed, there will naturally be no further collection.

If you can't repay the debt at the moment, you can proactively contact the platform for negotiation, try to apply for an extension of the repayment period, and repay the debt in installments. Do not directly avoid repayment.

If you are not sure about your online loan application, you can try to get a big data report on "Xiaoqixincha", check your detailed loan records, and then confirm that it is you. For borrowing money, you should pay off all the arrears at this time and then contact the customer service of the corresponding platform and let them handle it to see if the online loan blacklist can be eliminated.

3. How long does it take for small loans to stop collection?

If the borrower is overdue for less than six months, it is the peak period of collection. During this period, online loans will use various methods to collect, but this period is still within the platform's internal collection.

If the collection exceeds half a year, online loans will hand over the collection work to outsourcing agencies.

Many small loans do not have that much financial and material resources, so online loan collections generally persist for half a year, and collections will generally stop after half a year.

Of course, stopping collection does not mean that you do not want to repay the money. Online lending institutions will use other means to make the borrower repay the money.

Regular lending institutions will upload overdue records to the People's Bank of China credit report and online credit report. This will affect the borrower's credit and make it difficult to obtain loans in the future.

There are also some special circumstances, such as if the debtor has a certain repayment ability, small loan institutions will not give up collection.

For example, if you have a stable job and have a lot of property in your name; the information on the debtor is relatively detailed, and financial institutions can easily contact the debtor, etc.

In general, small loan platforms will not easily give up debt collection for their own interests.

Therefore, it is better to pay off the debt as soon as possible.

If you are taken to court by a financial institution, the trouble will be even greater. How long does it take for anti-aircraft artillery to stop collection?

A cruel fact is that unless the following three situations occur, collection will not stop in the short term.

1. Repay the money

If the borrower pays off the debt in time, then there will be no further collection. After all, it is natural to pay back the debt.

2. Can’t find anyone

This is for people who are forced to go ashore. They change their mobile phone numbers, jobs, rental locations, and even friends. They are different from everyone. If you have been contacted, if the anti-aircraft gun platform cannot find you, it will basically stop collecting money. After all, we don’t have the energy to keep looking for the disappeared person, unless there is a channel to obtain your new number.

3. The time is too long

If the borrower is really patient, then withstand the pressure, whether it is bombarding with phone calls or deleting the address book, or beating him to death without repaying the money, generally Collection will stop after half a year. There may be a few sporadic calls, but the impact will not be great.

There are several other situations that may also cause collection to stop: 1. Anti-aircraft guns go bankrupt. A large number of online loan platforms go bankrupt in the market every year. If it happens to be the one you borrowed from, then not only will the collection stop, but the money will no longer need to be repaid.

2. Investigated. Now the China Banking Regulatory Commission is rectifying cash loans. Maybe the anti-aircraft gun you borrowed has been reported by other users or investigated. The company may be shut down and collections will stop. How long will it take for online loan collections to stop? After reading this, you will know how long it will take!

;? In the online loan industry, there have always been overdue loans. After the loan becomes overdue, the online loan platform will begin to collect the debt. For those who fail to repay their debts, facing online loan collections can be very painful. So, how long will it take for online loan collection to stop? When will the nightmare of debtors end? Let’s take a look at these together!

According to what we have learned, it is generally difficult to stop online loan collections until the borrower pays off the debt. After all, formal loans must be repaid, and breach of trust should be severely punished. Judging from the collection situation of major platforms, the peak period for online loan collection is within six months after the borrower is overdue. During this period, online loan platforms often use various means to vigorously collect debts. After being overdue for six months, online lending platforms will often outsource bad debts to third-party institutions or solve the problem through legal means. Therefore, after defaulting on an online loan, it is difficult for the debtor to solve the debt problem by consuming time. It is a wise choice to pay off the debt as much as possible. Although the debt is not still wrong, online loan collection is not always reasonable and legal. Everyone should pay attention to these two points when being collected:

1. Whether the amount collected is reasonable and legal. When everyone is being collected by an online loan platform, you should pay attention to whether the amount collected by the other party is reasonable and legal. If in addition to the loan principal, other loan interest charges exceed 36% of the loan principal, then it is a usurious loan and you do not need to repay it. In addition, the interest and charges exceeding 24% of the principal amount are also repayable or not.

2. Are the collection methods reasonable and legal? Although the law allows online loan platforms to collect debts, the collection methods must be reasonable and legal. Collection methods such as exfiltrating address books without permission, door-to-door harassment, intimidation and threats, beating and coercion are all illegal, and you can call the police directly. In general, online loan collection will not stop easily. It is the right thing for everyone to pay off their debts as soon as possible.

However, there is no need to accept unreasonable and legal online loan collections, and everyone should pay attention to safeguarding their own rights and interests.