Is it true that online legal counsel negotiate a deferral of repayment?

Online help to negotiate repayment is basically unreliable, in fact, except for banks, almost no lending institutions accept negotiated repayment. If the borrower applies for a loan from an auto financial institution or a private small loan, after the deadline, the lender will only collect the loan and will not accept the negotiation at all.

Because the funds of private microfinance institutions are relatively tight, there are many lending companies that provide financial support behind them. If a loan is not recovered within the specified time, it is equivalent to a loss for the lender. Therefore, the collection methods of many small loan institutions are relatively violent, which also makes many borrowers miserable.

If the borrower is applying for a bank loan and wants to negotiate, he does not need to go through the hands of the intermediary, and can find a way to contact the bank and appeal. As long as the borrower can express his strong willingness to repay the loan and can come up with a feasible repayment plan acceptable to the bank, the purpose of negotiated repayment can actually be achieved.

The method adopted by many intermediaries is to ask the borrower to go to the hospital to issue a serious illness certificate, etc., and then go to the bank to apply for a non-malicious overdue certificate, and then negotiate repayment. Once found by the lender, not only will the bill need to be returned immediately, but the borrower may also be sued in court. Overdue bills are generally civil cases, and if the borrower seeks these intermediaries to maliciously deceive financial institutions, it may become a criminal case, and the consequences are very serious.

It is often accompanied by problems such as online false information, remote detection, etc., resulting in losses, or evidence of defrauding the victim of money through fraudulent means.

Therefore, once you realize that you have been defrauded, many criminals illegally obtained property, cross-border gambling and other methods to commit fraud in order to publicize the audience, and provide the transfer record as evidence to ** as a clue.

Legal negotiation: This industry really exists, and its job is for the debtor to negotiate with the bank or online loan company on the repayment issue.

Generally speaking, each bank will charge a certain amount of interest for overdue repayment, which is different from bank to bank, and is generally 5/10,000 of the interest. However, the interest start date is calculated from the date on which the consumption is incurred, not after the last date of repayment. It is recommended that if you do not repay all the limit, you can repay the minimum payment first, which will not affect the credit limit.

At the same time, there will also be a buffer period, so that the bank can keep abreast of the flow of funds in your account and will not freeze the account! When the credit card (credit card) holder chooses the minimum repayment method or uses the card in excess of the credit limit approved by the issuing bank, he or she will no longer enjoy the interest-free repayment period and shall pay the overdraft interest calculated at the prescribed interest rate from the date of bank accounting.

Related information

There are two concepts for credit cards: the bill date and the repayment date (also known as the last payment date). A billing date is the day on which transactions within a billing cycle are settled, and the repayment date is a repayment period. Because it is impossible to restore the situation of your contact with the customer service, it cannot be ruled out that you have misunderstood the explanation of the customer service staff or the customer service staff has made unclear or even incorrect statements.

The main function of the repayment date is used by the bank to determine whether the cardholder has a malicious tendency to overdraw, as well as to judge the cardholder's financial situation. Therefore, repayment after the last repayment date will inevitably result in an overdue record, and whether this record can be changed from the central bank requires further negotiation with the card issuer.

If it is really difficult to let the village committee report the difficulty certificate, contact the overdue platform or bank to apply for negotiation, as long as there is difficulty to prove active communication, you can basically negotiate successfully.

Question: Is it credible for legal counsel to negotiate repayment?

Not credible. You also need to pay a fee through this, and the fee is relatively high, so it is better to pay more money to the platform if you have this money.

Questioned, he said it could be extended for 1 to 3 years.

This kind of basically helps you drag hard.

Don't trust, negotiate with the platform yourself, be patient.

Question: Such a hard drag?

It's the kind of one that doesn't pay attention to anything and doesn't care about what kind of mail is mailed.

They can't help you with anything, it's just that it's not them who are overdue, so their psychological quality is better than yours.

To ask the question is to say that this method is completely useless.

If you are in difficulty, you can contact the platform to negotiate well, repay the money as much as you can, and provide proof of difficulty.

Question Okay, thank you.

It's best not to postpone this, because even if the application for an extension is successful, there will be a rate hike.

Regardless of whether it is overdue or not. If it is really overdue, it will have a bad credit record, and it will be affected to take out a loan to buy a car or a house in the future.

It is useless to apply for an extension to the online loan company, and to apply to the court. If you owe an online loan, you have to find a way to repay it as soon as possible. Don't leave anything to chance.

If you want to find a way to repay the money, you can work on your own to earn money to pay off your debts. Don't take out loans to support loans, otherwise you will fall deeper and deeper. If you really don't have the money to pay it back, I have the following suggestions:

1.It's good to apply for an extension, and it's good to take the initiative and not force it too hard, at least this attitude is correct.

2.Find a friend to borrow and repay the online loan first, and then repay theirs, so that there are no overdue fees. It's a little better.

3.Improve your money-making skills, and if your money-making skills go up, you can pay off your debts little by little.

4.Finally, and most importantly. Be sure to develop good financial habits. The fundamental reason why you owe so much money is that you don't have good financial habits. As long as you have good financial habits, I am afraid that no matter how little you earn, you will not be in debt.

Hello, for your service, I am asking: a small and micro teacher of finance, with 6 years of experience in finance and economics. Professionally handle credit cards, online loan overdue issues, is replying to the content, please be patient.

It is true that the legal negotiation of overdue repayment of online loans is credible.

I can handle that for you too.

Ask about the fee standard.

Five points of the amount owed.

How much is your overdue amount? How long is it overdue? On which platform did you borrow money from?

The questions are not overdue.

If you are unable to repay, you can apply for a deferral of repayment, which can be deferred for 1 to 3 years If the amount owed is large, there are also corresponding preferential questions here, well, if necessary, you can click on my avatar, follow me, and contact me by private message, more 9 messages.

Summary. Thirdly, there are some third-party negotiators that are reliable, but most of them are unreliable. Some third-party agencies will charge relatively high negotiation fees, and they will opt for the means of forging certificates.

If the bank finds out at this point that it is basically impossible to negotiate in the future, the bank will stop negotiating with the cardholder altogether. Of course, there are some institutions that are reasonable and can help cardholders negotiate successfully. After all, they are professionals.

Therefore, when negotiating, it still depends on your own situation. If you have the conditions to negotiate, you can negotiate with the bank, but if you don't have experience in negotiating, it's better to find a professional agency.

Thirdly, there are some third-party negotiators that are reliable, but most of them are unreliable. Some third-party agencies will charge relatively high negotiation fees, and they will opt for the means of forging certificates. If the bank finds out at this time that it is basically impossible to negotiate in the future, the bank will stop negotiating with the envy cardholder altogether.

Of course, there are some institutions that are reasonable and can help the holder of the cave wide card negotiate successfully. After all, they are professionals. Therefore, it still depends on your own situation when negotiating.

It is advisable to compare more because you don't know much about the industry. No matter which company you choose, this public wisdom company is divided into three, six, nine and so on. There are a lot of legal lawyers out there, but you have to think about it carefully.

Many newly formed companies do not have a lot of experience. The company went out of business after working for a while, and many expenses were ignored. These are all things you need to consider, and you must have a lot of experience to help you negotiate better.

Not very credible. Generally speaking, legal negotiations are not credible, but through observation, most of them negotiate directly with the funder. Then negotiate a plan with the platform.

Generally, the financial platform has a limited time to entrust a third-party collection company, and when it expires, it will transfer your order to another collection company. So during the period of time that your list is in the hands of the collector, he has the absolute initiative to fight ** or not. As long as you pay the commission, you are in a passive situation.

Description of features: The negotiation legal affairs on the market are all required to send ** cards, the purpose is because the financial institution opposes the intervention of a third party, and to negotiate the repayment, you can only negotiate in person. So if they want to help you negotiate, they can only use your ** card and pretend to be your identity to negotiate.

It is necessary to take the initiative to apply to the bank many times, and when the new repayment plan comes down, the bank will also take the initiative to notify the **card.

1.Legal companies that specialize in solving overdue credit cards for online loans are generally fraudulent, so it is recommended that you do not believe them easily. There is no such company, and if there is a business information that can query this company, it will generally be exposed.

The interest rate of online loans is generally higher than the normal interest, and the calculation of late fees and liquidated damages after overdue is also very different from Zhengsen Sungui loan products, and timely repayment is far away from illegal online loans.

2.Because the so-called companies like Chang Du and the so-called installment business are illegal! Spend appropriately, don't overspend, repay on time, work hard, life will get better and better, and your reputation will get better and better!

In case of ups and downs and can't repay the money on time, you should also communicate with the official customer service of the bank as soon as possible, apply for a delay in repayment, and the official customer service will record it and apply to the superior, once approved, you can proceed in accordance with the new agreed way, so that it will not affect the credit investigation! That's the right way to do it. This swift chain.

Summary. In general, online lending platforms prohibit third-party intervention, which means that legal firms are not allowed to negotiate repayments. They can't negotiate repayment with you openly.

They can only negotiate on your behalf. That's a problem. Pretending to be someone else negotiating repayment violates the platform's rules, so it is not credible for the legal company to negotiate repayment.

The consequences of overdue loans are relatively severe. If you want to get ashore as soon as possible, the best thing to do is to pay it back. Otherwise, the lending platform will always contact the debtor, friends and relatives around the debtor to urge them to repay.

Hello (* kiss unreliable" Most of them are unreliable, with a flickering nature, exaggerated in speech, and the charge is higher and higher. ”

This kind of company has been passed by CCTV **, don't believe it, it's all illegal companies.

In general, online lending platforms prohibit third-party intervention, which means that legal firms are not allowed to negotiate repayments. They can't negotiate repayment with you openly. They can only negotiate on your behalf.

This is a purely hypothetical problem. Pretending to be someone else negotiating repayment violates the platform's rules, so it is not credible for the legal company to negotiate repayment. The consequences of overdue loans are relatively severe.

If you want to get ashore as soon as possible, the best way to do it is to pay it back. If not, the lending platform will always contact the debtor, friends and relatives around the debtor to urge them to repay. ”

Is there a reliable legal company?

The vast majority of them are fake, they collect money, and then give you a set of scripts, let you say this, and in the end, the effect is not good, and they also want your information, and then use it to sell it, and then make a sum of money from the reputation of Yanzhou jujubes.

What should I do if I have already given my personal information to a legal firm?

They also said that they had intervened to deal with it.

In this way, everything on the market is unreliable.

Your information has now been given to you, so even if someone returns it to you, in fact, he has it.

The legal firms on the market are not reliable, and you can contact reliable legal firms there.

Regular legal firms do not have this business.

That's what a regular company is.

Is Jiangxi Qianyang Legal Consulting **** formal?

This company is a formal enterprise imitation and only Tongye industry and commerce has been registered, but the scale of this enterprise is very small, 1 million company, the shareholders are two people, one 60%, one 40%, from the structural point of view, this company belongs to small and micro enterprises, at present, there are no complaints, bad reviews, etc.

Jiangxi Qianyang Legal Consulting **** was established on February 15, 2017, and its registered place is located in 1702, Block B, Huawang Qirun Building, No. 8, Xinleadsui Ganzhou Avenue, Zhanggong District, Ganzhou City, Jiangxi Province, and the legal representative is Tan Yiming.

Can you trust them to negotiate a deferred repayment?

I can't say 100 percent, but they don't have a lot of bad reviews, and besides, you've commissioned it, right?

If they charge high, I recommend not to.