What should I do if I am collected by an online loan? What should I do if I receive a call from an o

1. Be strong and don't be knocked down by threats or actions of violence. If you encounter violence, you must first find out whether the other party's online lending platform is illegal. If it is determined that the online lending platform is illegal, then even if the other party sues the court, the court will not support the loan shark, and the law will definitely be on the borrower's side.

2. Be firm in yourself and don't be afraid of violent and illegal collection. Some online loan platforms that use violence to collect money use all kinds of violent language to constantly threaten you, making you feel scared and repay the loan. If the collector says that you are a fraud, then you can make it clear that all your information is true and valid.

If you don't repay the loan, you only need to repay the principal of the loan and the interest prescribed by the state.

3. Collect evidence and complain to the CBRC with evidence of high interest. Although many online lending platforms clearly indicate that the repayment interest on the Internet is lower than the prescribed standard, in fact, these online lending platforms will charge various fees such as handling fees, platform fees, membership fees, etc. If you add up all these fees, the interest of any online lending platform far exceeds the national legal interest.

Nowadays, the state has cracked down on violent collection.

4. Report the case collectively, collect evidence of profiteering and collect it to return your peace. The most common way to collect violently is to **abusive threats, bombing the address book, P map** and other behaviors. And this kind of behavior has actually seriously violated our personal privacy and reputation rights.

When you encounter this situation, collect as much evidence as possible, and then report to the police station where the other party's company is located, and claim compensation according to the degree of harm caused to you by the other party's violent collection.

1. Explain the situation to the contact person in your address book before the deadline, and be mentally prepared to be collected, otherwise you will be at a loss and resentful when you receive **. So, instead of letting the collector say it, it's better to confess it yourself, and of course you can also say that you leaked your information. In short, be sure to inform them in advance, so that they can insist that they don't know themselves when they receive **, which may reduce the harassment they receive to a certain extent.

2. If you don't owe much, confess it to your family. Don't feel embarrassed to save face, you must know that the later you confess, the greater the impact, and you may have to pay back an extra day if you delay it for a day. So confess to your family and try to get their understanding.

Although they may beat you and scold you, I believe that they will face and bear it with you in the end.

3. Search on WeChat, know the data early, get a credit report, check your overdue records, and classify your online loans, regular and informal, on credit and not on credit. If you want to repay the money but the funds are not enough, then negotiate with the online loan platform and give priority to the repayment of the formal credit report to minimize the impact on yourself.

4. If you feel that your family can't help you, and you don't want your family to help you repay the money, then there is only one last way to go, and that is to force you to go ashore. Forced ashore does not mean that all online loans will not be repaid, and the money still has to be repaid, but it is just a question of how, when and how much to repay. Since you really can't repay the loan for the time being, it's better to stop paying it all for the time being, and let yourself return to normal life and work hard.

Otherwise, if you keep taking out loans to support your loans, you can't even pay the most basic interest, so how can you go ashore? "

If you are collected, it means that you are overdue, and it is true to repay the loan as soon as possible.

If you encounter a fancy collection of the debtor on the day of overdue, you will not only send text messages and make phone calls, but also explode the address book, so that your relatives and friends around you know your online loan arrears. These behaviors belong to "violent collection", and we must learn to collect evidence and take up the law to protect our rights and interests.

You can try to conduct a credit test on WeChat-"Early Know Data" to find out your online loan records, and then take the initiative to get in touch with the online loan institution, and both parties can formulate a reasonable repayment plan, and then ask family members or friends to help pay off the fees as soon as possible and eliminate the negative records that are overdue.

The intensive collection of the vast majority of online loan platforms will be concentrated within half a year, and more than half a year will be an insurmountable object, but the consequences of overdue online loans can not only be violent collection, but also cause the borrower's credit to be damaged, unable to enjoy basic credit services, and in the future, when encountering urgent capital turnover again, it is impossible to obtain credit products with good personal credit.

Therefore, it is recommended that within half a year of overdue, it is best to find a way to negotiate repayment with the platform, after all, people who are more constrained have a smaller chance of being ruthless, that is, the borrower is less likely to be hurt because of this. Sort out a loan application details in the central bank or a public platform such as "shocking data", and return those products that are checked for credit information, formal and large amounts, and those platforms with "poor reputation" should not borrow again. At the same time, it is reminded that when facing violent collection, remember to keep relevant evidence, complain and report to the relevant departments in a timely manner, and reasonably protect your legitimate rights and interests.

If you collect it, you will pay it back, borrow it from a friend, borrow it from a family member, or borrow it from someone else.

1. In the face of the pressure exerted by the collector after the credit card and online loan is overdue, just ignore it, which is the most effective way to avoid the collector from causing mental harm to himself, if you are indifferent to him, he will not be able to hurt you. After expiration, it is important to maintain a good attitude, so that you can face the debt crisis with a peaceful heart.

2. If this type of online loan is overdue for non-compliance, it will have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Find from WeChat: Blue Ice Data, check your online loan history, online loan overdue details, debt situation, dishonesty information and online loan blacklist and other information, just find this public platform.

3. Among them, you can distinguish whether you belong to a black household based on the Internet black index.

In addition, the hit risk reminder can better help users find their own shortcomings and improve the pass rate of online loan approval.

The endangered chicks are stubborn, the fat is sluggish, the throat is ambiguous, the throat is sneering, the memory is stubborn, the memory is slandered, the scorn is not good.

Turn on the TV (other sounds can also be made), the sound is turned up, when the collection dog comes, put the mobile phone dialogue hole next to the speaker, click to answer, shock the collection dogs, answer for ten seconds, and hang up, I tried for half a year and didn't dare to play.

After the credit card online loan is overdue, how to collect **?

When you receive a collection, the first thing to do is to maintain a good attitude and actively communicate with the collector. If you've been refusing to answer collections**, or verbally attacking collectors, it's easy to turn things really bad.

2. Show attitude.

After receiving the collection, you must show your attitude to the other party, whether you are willing to repay or unwilling to repay. Generally speaking, you should first explain to the other party the reason for your overdue date and obtain the other party's consent. After that, everyone should show each other that they are willing to repay the loan as soon as possible.

3. Agree on a repayment plan.

If you can agree on a repayment plan with the collector, it will be much easier to solve the problem. Therefore, you can negotiate a new repayment plan with the other party based on your actual repayment ability.

No matter what the loan is, it needs to be repaid on time.

There will be no consequences for the loan money:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

Tell your family and the family, the longer you delay, the more you owe, and don't borrow it after paying it back early.

You can borrow some relatives and friends to repay it first, otherwise the online loan will only accumulate more and more.

How to solve the problem of violent collection of overdue online loans!

Faced with a serious situation of online loan collection, you can take the following measures to solve the problem:

1. Understand laws and regulations: First of all, you need to understand the relevant laws and regulations, including the Contract Law of the People's Republic of China, the Civil Procedure Law of the People's Republic of China, etc. This will help you understand your rights and obligations, as well as the scope of the collector's legal operations.

2. Communicate with the collector: Active communication with the collector is the key to solving the problem. You can negotiate a reasonable repayment plan with your collector or request a payment extension. At the same time, maintain a good communication attitude and try to avoid conflicts and disputes.

3. Seek professional help: If you feel that you are unable to deal with the collection problem, you can seek professional legal advice or help from financial institutions. They can provide you with specific solutions and help you defend your rights.

4. Reasonable financial planning: In the face of the problem of online loan dispersion and indiscriminate collection, reasonable financial planning is very important. You can create a detailed financial plan that aligns your income and expenses to ensure that you can make timely payments.

At the same time, try to avoid falling into debt again and avoid over-borrowing.

5. Maintain personal credit: Timely repayment is the key to maintaining personal credit. Whether it is an online loan or other borrowing methods, it is important to repay the loan on time to avoid overdue. A good personal credit history will help you in your future borrowing and financial activities.

In short, in the face of serious online loan collection, you can solve the problem by understanding laws and regulations, communicating with the collector, seeking professional help, reasonably planning your finances and maintaining your personal credit. Hope the above information is helpful to you.

Generally, everyone uses the central bank's credit records to leave traces of inquiry, which is more unfavorable for borrowing friends, and most of the online loans are not on the credit report, so the credit can not find the specific online loan information, but now you can also understand your personal data through the "hundred and three numbers of Changhu evidence", and you can learn more about online loan overdue information, application records, dishonesty information, online loan blacklist and other information at the same time without query records.