Can you not repay the money borrowed if the installment company goes bankrupt

No, this is a lending relationship, which will not disappear because of the collapse of the platform, because as long as the creditor has the right to demand that the debtor pay back. Even if the online lending platform goes bankrupt, as long as it is taken over and merged by another company, the creditor's rights relationship will automatically be transferred to the receiver company. Therefore, if you can't pay it back, there will still be people who will collect debts.

Regardless of whether a formal and legal online loan company adjusts its business or goes bankrupt due to poor operation, the loan contract is still valid, and the debtor has the responsibility to continue to perform the repayment obligation, and the debtor must not default on the loan.

Dark online loan companies are generally small in scale, and generally a few people buy a set of review systems, and then make up a few million, and outsource an app to call themselves "online loan companies". The relationship between this type of company is simple, that is, the relationship between the black platform and the debtor, but the platform's means are all extreme, such as ultra-high interest rates, violent collection, verbal intimidation, and beheading interest. This kind of company was investigated, because the amount of a single loan is small, the customers are small and scattered, so in fact, the significance of recovery is not great, and the investigation is mainly focused on the investigation of illegal acts of black platforms, such as illegal lending, violent collection, etc.

However, this does not mean that the debtor can escape the debt, the debtor can still report the black platform, repay the repayment, report the black platform for leaking personal information, verbal attack, and even file a lawsuit for its illegal acts.

No debt can be avoided, but you don't have to pay a penny more, and you can fulfill your repayment obligations within the framework of legal compliance.

According to the provisions of the Enterprise Bankruptcy Law:

Effective June 1, 2007) Article 113:

The bankruptcy estate shall be paid off in the following order after the bankruptcy expenses and common debts have been paid off first:

1) The wages and medical treatment, disability allowance, and bereavement expenses owed by the bankrupt person to the employees, the basic endowment insurance and basic medical insurance expenses that should be transferred to the personal accounts of the employees, and the compensation that shall be paid to the employees according to laws and administrative regulations;

2) the social insurance premiums owed by the bankrupt person other than those provided for in the preceding paragraph and the taxes owed by the bankrupt person;

3) Ordinary bankruptcy creditor's rights.

If the bankruptcy estate is insufficient to satisfy the claims in the same order, it shall be distributed proportionately.

The salaries of directors, supervisors, and senior managers of a bankrupt enterprise shall be calculated on the basis of the average wages of the employees of the enterprise.

Under normal circumstances, financial institutions related to lending are subject to the supervision of the Banking Regulatory Commission. Generally, the loan company will deal with the creditor's rights before going bankrupt, and may negotiate with the borrower on the repayment method, and if necessary, the relevant institutions will intervene to deal with the creditor's rights. If it does not affect your personal credit, although your loan is borrowed from the loan company, but your loan information and personal information are all on the credit system, once overdue or non-repayment, it will affect your credit record, and the credit information system will not be affected by whether any enterprise is bankrupt.

As long as it is a real borrowing project, no matter what problems arise on the platform, the borrower is obliged to continue to repay the principal and interest of the loan to the investor on time and in full in accordance with the loan agreement. Otherwise, the investor has the right to take necessary legal measures to pursue the legal liability of the borrower in accordance with the provisions of the loan contract.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

If you have not paid the useful installment arrears, you still need to repay it, because the useful installment has gone out of business, you can wait for them to contact you.

This type of repayment will generally contact the user first, rather than suing the user directly, because if the prosecution process will be a little more troublesome, it is also necessary to provide clues about the debtor's property. Therefore, when the other party gets in touch with you, after verifying and confirming the identity of the other party, you can negotiate with the other party on repayment matters first, including the repayment amount and repayment method, and then pay off the arrears as agreed.

As of March 17, 2020, according to the query information of the National Enterprise Credit Information Publicity System, the useful installment has not gone bankrupt. Shenzhen Useful Installment Financial Services **** was established on September 28, 2015, and the legal representative is Zhang Zhengxing. The registered capital is 50 million RMB.

The business scope includes financial information consulting, providing financial intermediary services, and accepting financial outsourcing services entrusted by financial institutions. Business information consulting, enterprise management consulting, economic information consulting, marketing planning (all of the above do not include restricted items), software development, data processing, leasing of computer software and hardware equipment (excluding financial leasing business).

It is better to use the big four banks, and the state will not let the big four banks fail.

The more installments you go out of business, the greater the loss of funds.

Haven't met it, haven't heard of it!

Tianyan check, browse more major forums to confirm.

If it is an installment payment for a loan from a bank, it will be repaid; If the company agrees to pay you in installments, even if the company is bankrupt, the claim against you still exists, and the company can recover from you according to the law.

When the company goes bankrupt, the employees will basically be disbanded, and the money that is basically lent to you may be the money invested by some investors in the company, that is, financial management. The company collapsed, and now all this money is a bad debt.

However, if your installment is overdue, you still need to pay it back in time.

If the overdue repayment will first affect your personal credit and affect your future life and work, and the longer the overdue time, the higher the overdue fee will be, and the greater the burden.

If the overdue is serious, you will be prosecuted, so you still have to pay the arrears in time.

Repayment is required, and asset appraisal is required after bankruptcy.

As of September 2020, the existing installment company has not gone bankrupt. Shenzhen has a phased information technology **** on May 15, 2020 to complete the annual inspection of the enterprise.

Shenzhen Instant Installment Information Technology Co., Ltd. was registered and established in Shenzhen Municipal Administration for Market Regulation on July 18, 2016.

The registered capital is 10 million yuan, the registration authority is the Shenzhen Municipal Administration for Market Regulation, and the administrative division is Longhua District, Shenzhen, Guangdong Province. The nature of the company is a limited liability company (sole proprietorship of a legal person invested or controlled by a natural person).

On May 15, 2020, the company changed its name to Shenzhen Pusu Information Technology.

The headquarters of the existing installment must not have closed down, and the branches in other regions do not know, if everyone owes more money, pay attention to be psychologically prepared to be collected.

It's really going out of business. Now you can't borrow anything you want. I'm not going to pay it back anyway.

That is, the general trend of staging is gone! Employee salaries were not paid, many employees left, and many employees were laid off. To pay it back or not, the benevolent will see the benevolent and the wise will see the wise!

Even if there is an installment bankruptcy, the money does not have to be repaid, don't be scared.

The existing installment market has now all withdrawn to Guangdong, and it seems that they have been challenged a lot, and the number of people has been reduced by more than half.

That is, there is no market for phases, and the dawn of the day of bankruptcy has arrived.

Now the share of the existing installment market is getting smaller and smaller, and many people have not repaid the existing installments.

The existing installment is now lifting a stone to shoot itself in the foot, and when it comes to bankruptcy, I think it should be soon.

I borrowed 3,000 yuan from the company, I didn't expect to pay back 5,842 yuan, I paid it back for 3 months, I didn't pay it back, I thought about it, I couldn't get it, the fuck was higher than the high interest, and I always beat me ** to scold me in the past two days, I said you came to sue me, he still scolded me and said I sued you why I did so much money, I still have their text messages to scold me, and he doesn't take his company ** to scold people, I don't pay it back now and look at it.

I've heard that subsidiaries in many places are going out of business, but their headquarters shouldn't be going out of business that soon.

Now there is so much negative information about the existing periodization, and many people don't believe in the existing periodization, and it is really not far from bankruptcy to see that this situation is really not far away.

If you feel that the interest rate is high, you can apply for early repayment, and if you don't want to repay, you can say that the interest is high......It's a little reluctant......If you borrow money from others, and if you don't want to repay, you will say that the interest is high, so why lend you no interest.

According to the current impression of the existing phases, they are close to going out of business.

There are installments of 10,000 I borrowed, 10 installments of 12 installments, and 5 installments have not been repaid I don't want to pay it back, I call ** address book ** every day, it doesn't matter if I don't pay it back.

I borrowed 11,000, showing the bill 13,200, I can't use any ** credit volume, I didn't pay it back, divided into 24 installments, 798 per month, and paid back 5 installments, I didn't pay it back, and I didn't plan to pay it back, the lawyer's letter sent a few letters, ignored it, and told them directly that I was in **, and let them come over and didn't see it, so that the whole town in my hometown knew that I didn't pay it back, and said that they would kill me, let alone pay it back, and I hated to threaten me the most.

I really wanted to be deceived, and the application was successful, but the loan was never released, but I was urged to repay! Will it affect credit reporting?

Now that so many people are unwilling to pay back, it seems that it will not last long.

I borrowed 10,000 9 in 18 years and was fooled into installments for 24 months, and now I have repaid it to 13 installments, do I have to pay it back later? The monthly interest is almost 700, will it affect the credit investigation?

I also borrowed 15,000 points and repaid 24 installments, and each installment repaid 1174 and repaid 18 installments, and the interest plus principal together 28176 pit me, and I checked 7044 today and didn't pay it back, and I was struggling to pay it back, and I didn't want to pay back the principal and 6132 more, I don't know if something will happen.

Even if there is an installment, it is a fucking loan shark company, and it is no wonder that this company does not go bankrupt.

That is, there is an installment company is an authentic deceptive company, I have a loan of 3,000 yuan in 17 years, and after I pay it back, I now receive the ** and information that I am still short of more than 5,000 yuan, everyone think about the principal of 3,000, how much is the interest? Now it is said that there is a installment company that has changed its name.

I borrowed 15,000 to repay more than 13,000 What is this, call ** to call me to collect the money, I asked their company to help me deal with it, and I will repay it. But as soon as they heard these words, they either asked me to call ** to customer service or hang up ** myself.

I borrowed 21,000, repaid more than 1,500 in one phase, repaid 6 installments, and still has 26,000 unpaid, and I was killed.

They scolded the talent for being first-class, and there were Bai Qian.

This is obviously a routine loan, and it is hoped that the relevant departments will crack down on it severely.

It's too pitiful: scared to death: I hope it will go out of business sooner

I borrowed 8800 installments in 24 months, and I didn't want to pay back 21 installments, which is too tricky.

Summary. In recent years, many people have been urged because they owe money to the microfinance platform, and some people have even suffered violent demands, fortunately, because of the increase in supervision, many microloan platforms have been banned, but some people are happy and some people are sad, happy that the money does not have to be repaid after the bankruptcy, and the sad thing is that the principal cannot be withdrawn after the investor invests, so the microfinance platform is bankrupt, will not repay the money affect the credit investigation?

If the installment company goes bankrupt, will it affect the credit investigation if it does not pay back?

In recent years, many people have been urged because they owe money to the microfinance platform, and some people have even suffered violent demands, fortunately, because of the increase in supervision, many microcredit platforms have been banned, but some people are happy and envious and some people are sad, happy that they think that the money will not have to be repaid after the bankruptcy, and the sad thing is that the principal cannot be withdrawn after the investor invests.

In fact, for many people, since the money is bankrupt, it is natural that there is no need to pay it back, and the money has not been repaid, and no one laughs at it, knowing that there will definitely be no problems with the credit information, of course, if you encounter a non-compliant platform, then the money does not have to be repaid, and it will not affect the credit of Zhengliang, if you meet a compliant platform and go to the court to sue the debtor after the compliance platform goes out of business?

At this time, it is necessary to pay back, the credit will affect the credit of the arrears after going through the judicial process, compared to the short sale, this is the debtor did not notice the credit caused by the formal small loan platform, of course, we must know how to repay the debt, but we must also know not to be subject to the routine of the small platform.

Need. The Enterprise Bankruptcy Law of the People's Republic of China has corresponding provisions on it:

Article 45 After accepting a bankruptcy application, the people's court shall determine the time limit for creditors to declare their creditor's rights. The time limit for declaration of creditor's rights shall be calculated from the date on which the people's court issues the announcement of acceptance of the bankruptcy application, and shall not be less than 30 days.

The maximum shall not exceed three months, and the unexpired creditor's rights shall be deemed to be due when the bankruptcy application is accepted. Interest accrual shall cease to accrue on interest-bearing claims from the time of acceptance of the bankruptcy application.