SMS Ant 12368

Alipay will receive a lawyer's letter from Beijing Lu Wei Law Firm after the deadline.

When you receive this so-called lawyer's letter, whether it is a paper version or sent through this information connection, it is just a notice, which is the same as the reminder message that you usually receive to force you to repay. I won't sue you right away. Put your heart back in your stomach, don't be afraid! Anyway, I received more than a dozen letters from lawyers when I was overdue.

My unified approach: burn them all and burn them casually in the countryside. It seems that the firm you sent has no funds and has not done enough drama. I'll send you a paper version and send you a short message. You don't have to read it, just delete it!

Here, I want to tell you something about this lawyer's letter and being sued after debt.

First: Who sent the lawyer's letter? One thing we need to find out is who sent you this so-called lawyer letter? Although it is said to be a firm, whether it is true or not, the rest are sent to you by a third-party courier company. Here is another interesting thing to share with you.

Do you know that there are two kinds of people in this world who least want you to be sued?

One is your parents, lover and relatives.

The other is a small reminder.

Has it refreshed your three views?

Then why doesn't Xiao Reminder want you to be prosecuted? Let me analyze it for you.

More formal loans such as Alipay, online commercial loans or credit cards.

At the beginning of your overdue, you were the official customer service staff, and you called the robot for collection. The tone of this collection is relatively mild.

After about 1 month, the formal collection will be invalid, and your debt collection will be transferred to a third-party collection company.

Even other online lending companies collected money from their own customer service in the early days and then transferred it to third-party companies.

Alipay is overdue. Have you received the lawyer's letter from Beijing Lu Wei Law Firm?

After the third party collects the money, I don't need to say more about this payment method. Everybody knows!

After the third-party collection, the focus came. In the process of third-party collection, if you really pay back the money after collection during this period, there is a commission for the small reminder. No matter how much or how little you are, it is a small reminder.

Therefore, Xiao Cui doesn't want your debt to be transferred to the lawsuit, because when the lawsuit is filed, it means that your creditor will no longer hand over your bill to the collection company for follow-up treatment, and bring it back for legal reminder, that is, sue you! Therefore, as long as Xiao Cui tells you to sue you, it's just a bluff!

Second: Does the collection company have the right to sue you?

There are two situations:

The first case: if your creditor's rights are not transferred and sold to the collection company, you will be sued on the grounds that you have no right. No matter whether you usually call you, send a collection message or send a lawyer's letter, it is by threatening people. Anyway, if you can scare the repayment, you will earn a commission.

The second case: if your creditor's rights are transferred and indeed sold to this third-party company, you really have the right to sue you. However, this situation rarely occurs among Alipay debtors. Generally, Alipay sues itself, and they all sue in batches, and will not sue you alone. Therefore, it can be said that the collection company is bluffing when it says it will sue you!

Regarding the transfer of creditor's rights, you can inquire and call the official service of the platform and card bank you owe. If you are really sued, you will not be informed in advance, nor will you kindly remind you to prepare this material. You wouldn't have been sued for those materials before. This is all routine.

Instead, you will receive a short message from 12368 and a court summons from postal EMS.

Third: should I check whether I have been sued?

If you are really afraid of being sued, you are afraid of insomnia and dreaming, I can't listen to what I told you before. Well, then, teach an official a plan to find out whether he is being sued or not, and keep it for personal use!

Fourth, make rational use of platform policies to avoid prosecution risks and collect harassment.

As we all know, the official platform of Alipay has a clear policy of delaying for two years after the deadline, whether it is flowers, loans or online goods. This policy can be said to be very friendly to debtors. After two years, it is entirely possible to stop pressing charges, and I can also have a safe money-making environment and have time to make money and repay the debts I owe. It can be said that a good policy is coming. It is better not to be used in vain than to be scared when you receive a call or see a short message every day.

Here, as a friendly reminder, I would like to remind you of some changes and precautions in the recent Alipay negotiations:

1, the threshold has also increased a lot. It is more difficult to get the window to submit the certificate. Some fans said that after calling many times, they still refused to give the window.

2. Submitting certificates such as "proof of difficulty, proof of unemployment, proof of no income and proof of poverty" will not give an extension policy, but during the negotiation, the customer service will not tell you and will still ask you to provide them. However, after uploading, the 95 188 callback notice will not be approved. At this time, it is equivalent to wasting the only opportunity to postpone. Yes, this is the only chance.

At present, the postponement policy is only open to two kinds of people, one is caused by serious diseases, and the other is caused by natural disasters.

Key reminder:

1. At present, the negotiation of Alipay is different from any time in the past, and the difficulty and threshold have increased several times. Remind those who have the conditions to postpone it to be cautious. Because once the information is submitted and not approved, there is no opportunity for extension.

If you want to be smart, please ask those so-called "license issuing" personnel to open one casually, and don't do such stupid things. Those so-called "issuing certificates" usually have only one template, one for A and the other for B. But the customer service staff will not tell you clearly when they call you back to tell you the result, which is equivalent to wasting the only negotiation opportunity.