What should I do if I owe a lot of money for online loans, and what should I do if I owe a lot of on

You can call the police yourself, just say that you can't afford it, and if you are threatened, you will generally accept it.

I have roughly summarized that if you owe money to the online loan company, there will be the following consequences:

1. Penalty interest and liquidated damages.

If you don't want to get caught up in the loan quagmire and can't extricate yourself, you still need to develop good repayment habits.

2. Damaged credit.

If you borrow money from an online loan platform and fail to repay it within the time limit, your credit report will be stained, and it will be even more difficult to apply for a credit card or loan in the future. Because of small profits, missing out on one's credit wealth is actually very much worth the loss. Some people say that the loans I took online loans, these will not be counted in the credit investigation of the central bank.

Not to mention, now that online lending and the central bank are more closely interconnected, even in the online lending circle, there is also a shared "blacklist" system, and if one does not repay, it will be difficult to approve other loans.

3. Collected by various means.

Whether it is a bank or an online loan, it has its own collection system. The primary ones will send you text messages, call ** reminders, and more serious ones, there will even be collectors 24 hours a day, seriously disrupting your work and life, and ordinary people can't stand this kind of "mental oppression".

4. If you are sued, your assets may be seized.

Maybe you have a strong ability to "resist pressure" and feel that the consequences mentioned above are all drizzle, then the financial institutions will not be polite to you, toast and don't eat and drink, then they can only take out the secret of "court" and arm themselves with the law. Once the court has pronounced the verdict, you must enforce the "repayment award" even if you are 100 reluctant, otherwise, the court will seize the property in your name according to the law and use the auction proceeds to pay off the arrears.

5. If the circumstances are serious, you will be imprisoned.

Generally speaking, such incidents as non-repayment of borrowed money are civil disputes and will not escalate to the criminal level. However, if the borrower refuses to enforce the law, he is determined to be a liar, and would rather run away than repay the money, and the circumstances are very bad, the court will also investigate the criminal responsibility of the borrower, and if it is too serious, the online lender will be imprisoned.

Cool crooked! People talk to you every day, and I'm talking to you.

How to solve the problem of owing a lot of online loans.

Everyone is playing to the end of the way out or in debt when they know that they regret, only to wake up, but regret is useless, and then you will think that you were so stupid to touch these at the beginning, and now the debt is pressing you every day, ** text message reminds you, some people even think about suicide, this is really stupid, you may be gone, but what about your family, have you considered for your family, no matter how you owe the debt you have to bear to solve, I've met a girl who has also lost a lot, you can go to the post bar and swoop there if you have time Cheng Zhiqiang, you go and see how people deal with it, If you can keep it, try to keep it, after all, it's not easy for two people to walk together, or it's good for everyone if you get divorced.

Online loans can indeed solve the urgent need, but if you don't control yourself well, you are a bottomless abyss. If you owe a lot of money now, don't check the east wall to make up for the west wall, this will only make you owe more and more, the best way is to confess to your family or increase your income, how much you can repay, check the credit first, and pay back the credit and low interest. Leave the high interest rate alone, and have their own laws to punish them.

If there is nothing the family can do or you are unwilling to confess, then you can only earn more and save less to solve the problem, and repayment is naturally not a problem. I was the same as you before, I owed more than 200,000 yuan, and I had no way out, and then I made a project to solve all the problems, so there must be a road before the car to the mountain, w Xi a hope n you g can 2 early 0 day 9 on 9 shore 2

1. Confess to your parents and family, admit your mistakes, and ask them to return them for the time being. If you don't pay it back, the consequences will be serious.

2. Take the initiative to communicate with the loan platform, handle deferred repayment, extend the repayment period as much as possible, and alleviate the current pressure of relaxation. Generally speaking, formal platforms are still negotiable. After all, financial institutions are also worried that borrowers will not pay their debts completely.

3. If the consequence of caution is to buy a large number of valuables through borrowing, then everyone should take these valuables to the online or second-hand trading market to sell, and then use the realized money to repay.

The best way to deal with the excessive debt of online loans is to return the online loans on the credit report first, and then return the credit report. Personal credit will not be damaged. As for loans that are not subject to credit reporting, users can repay them slowly according to their repayment ability.

In short, no matter how much you owe about the online loan, you must remember the repayment, if you can't cover it, you can also choose the minimum repayment method, but you must not be overdue, or overdue, try to minimize the consequences of your overdue, so that the impact on future loans is also small.

At present, most online lending platforms have not yet been connected to the credit information system, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on credit will affect actual life, if you want to buy a house, you can't borrow, you can't get a mortgage if you want to buy a car, and so on.

1. The best way to deal with too much online loan is as follows:

1. Organize in time.

When owing multiple online loans, borrowers need to face their debts bravely, be sure to know their debts clearly, pay attention when sorting out debts, repay the arrears with high interest and credit sources in advance, and formulate a repayment plan. At the same time, pay attention to whether the loan platform has any non-compliant interest and early situation, if there is illegal and non-compliant interest, then the borrower can refuse to repay.

2. Negotiate repayment.

In the case of a large amount of arrears, if the borrower is unable to repay the arrears within the specified time limit, then you can try to negotiate with the lending institution to postpone the repayment, or reduce part of the loan interest.

3. Ask for help from friends and family.

If you can't pay off the arrears in a short period of time by yourself, then it is best to borrow money from relatives and friends around you to pay off the arrears on the online loan platform, and then slowly repay the money to relatives and friends, and pay off as soon as possible to avoid more loan interest charges.

If you owe a lot of online loans, here are some tips to deal with the situation:

Sort out your debts: First of all, you will sort out all your online loan debts, including the amount borrowed, interest rate, repayment period and other information. Understanding the specifics of each debt can help you plan your payments and prioritize overdue debts.

Make a repayment plan: Create a reasonable repayment plan based on your financial situation and debt situation. Prioritize high-interest, long-overdue debts while making sure you make on-time payments each month to avoid falling past again.

Lifestyle and expenses: Evaluate your lifestyle and expenses to see if you can cut back on some unnecessary expenses to free up more money for repayments. You may need to adjust your spending habits for a while to save money and focus on paying off your debts.

Negotiate with creditors: If you are unable to make your payments on time, you can try to negotiate with your creditors to request a moratorium, a partial fee waiver, or an installment plan. Some creditors may be willing to work with you to reduce losses for both parties.

Seek professional help: If you feel that you are unable to cope with the debt problem, you can consult a professional debt counseling agency or lawyer. They can help you assess your debt, provide a suitable solution, and negotiate with creditors.

The important thing is to be erect, not to run away from debt problems, and to be proactive in facing and solving them. At the same time, avoid borrowing again or overspending to avoid falling into deeper debt trouble.

1.Priority is given to repayment of credit loans. Online loans are divided into those that are on credit and those that are not on credit information, and loans that are on credit should naturally be paid more attention.

2.Ask family, friends, and all resources you can for help.

3.Make a reasonable repayment plan. First of all, we must list all the online loans that we owe money, and the interest rate from high to low. Regardless of the amount, the interest rate is higher first.

Extended information: 1. What should I do if I owe a lot of online loans and can't pay them back?

1.Online loans are divided into those that are on the credit report and those that are not on the credit report, and the repayment priority is given to the loans that are on the credit report. If you go to the credit bureau and owe a credit card, you will negotiate a fixed amount of repayment with the staff to ensure that you will repay it, and the whole process will be recorded.

2.If you don't have a credit report, people won't be so free to sue you, the annual interest rate of more than 24% is usury, which is not legal, if you sue you, the final result is to negotiate to repay the principal.

3.When negotiating repayment with banks and loan companies, the other party will pick up **, come to you and see him, don't not pick up**, and don't hide from anyone, otherwise the other party will call the police and be characterized as a fraud, and it is really possible to go to jail.

4.Finally, I would like to advise everyone here, don't do it if you can, and live an ordinary life! Let's pay the arrears, don't think about not paying back.

Don't listen to the kind of black account loan who ruins your life. If you want to repay the loan, don't get into loan sharks! No matter how urgent the other party urges, don't touch the loan shark.

5.If you encounter banks and collection companies that collect money, try to be tactful in your attitude, tell them to try not to disturb their families, and do not do some intimidating words and behaviors, so as not to frighten their family members, and tell them to pay it back slowly, and record or record the whole process as evidence.

Second, there are no consequences if you owe a lot of online loans.

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

2. 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.

3. If the lender has no property in his name that can be used for enforcement 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.

4. In the case of refusal to enforce the judgment or ruling despite having the ability, it is suspected of the crime of refusing to enforce the judgment or ruling.

I owe a lot of online loans, and when the whole family can't afford it, I can only ask my relatives and friends for help. Don't give up borrowing money from friends and relatives because you're embarrassed, you must know that the overdue interest and late fees of online loan platforms are very high, and if you drag it out, you will only accumulate more high debts. Seek help from reliable friends and family, borrow money at the bank's interest, and be sure they'll be willing to lend a helping hand when you're in trouble.

Extended information] online lending, the foreign name is Internet lending, P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

Introduction: The essence of Internet finance is still finance, and the characteristics of financial risks have not changed, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance.

At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

The supervision of online lending platforms has increased from 5,000 or 6,000 at the peak to only 29 by the end of June, and the special rectification work may be basically completed by the end of the year and transferred to regular supervision.