The online loan company I borrowed money from has gone bankrupt, do I still have to pay it back?

Now is an era when online loans are prevalent, and there are many, many post-80s and post-90s generations who have taken out loans online, and then they will be overdue because they can't afford to pay it back, resulting in poor credit reporting. Nowadays, there are more and more such things in this society, and many people can't stop themselves from borrowing. <>

There are countless kinds of loan software on the Internet, and there are thousands of loan software that are true and fake, some are really reliable, and some are fake online loan companies that make you irreversible. So every time we run into these online loan companies, things will become very troublesome, if you can pay back the money, if you can't pay back, you will suffer a lot of things that you don't want.

With the country's vigorous crackdown on these online loan companies, many online loan platforms have failed to hold up and have gone bankrupt, and many people have to ask at this time, then my loan companies have collapsed, do I still need to repay the money? Isn't there a need to return people? Because his company has already gone out of business, who am I going to pay back?

In fact, this kind of thinking is not correct, the company platform you borrowed from has gone bankrupt, it does not mean that the debt you borrowed has been cleared. <>

Because after the platform you borrowed from goes bankrupt, then the platform will involve a liquidation problem, and he will have a very complete procedure. For example, if the platform goes bankrupt because of some debt problems or because of poor management, then he will enter the liquidation process, and will make accounts for some creditors and debts and assets on the platform, including fixed assets, intangible assets and other projects, and then prepare to accept liquidation. At this time, the amount you are lending is real, but your creditors may have changed, and the person who is collecting money from you has also changed.

So, after your platform goes out of business, he may just change a group of people, like you continue to ask for money, but it doesn't mean that you don't have to pay back the money, don't think about such a beautiful thing, let's make money and pay back the money in a down-to-earth manner.

Loans that explode the address book and irregular and illegal routine loans do not need to be repaid.

It is necessary to repay the money, because the money will eventually be recovered by the bank, and if we do not repay it, it is easy to get on the credit list, which will have a serious impact on our future lives.

Yes, this is because it is a natural thing to repay debts, and the bankruptcy of the other company's company does not mean that the current relationship between the two of you is over.

Generally speaking, there is no need to repay it for the time being, because the company has gone bankrupt, and the current debts do not need to be repaid, but in the later general inventory, these waste debts will still be found and still need to be repaid.

Legal analysis: Many platforms seem to have gone bankrupt, but in fact, the platform itself has just changed its "shell" or sold to other investors. The debt relationship between you and the investor has not been dissolved, and the investor still has the right to recover the loan.

In other words, although the online lending platform has collapsed, the debt relationship between borrowers borrowing from investors through the platform will not disappear. Another point worth noting is that the failure of the online loan platform does not mean that you will not be able to report credit after the deadline. Although many online loans are not on credit now, there will be online loan credit databases and online loan credit blacklists, and once a bad record is left in these credit systems, it is very difficult to borrow on other platforms.

However, if the platform goes bankrupt, some fees can not be repaid, and if the online loan platform goes bankrupt, the online loan platform will not be able to continue to provide intermediary services, and some intermediary fees, service fees, excess interest, etc., which exceed the statutory annualized rate of 24%, can not be repaid.

Legal basis: Article 207 of the Civil Code of the People's Republic of China If the borrower fails to return the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

Legal Analysis: Still Have to Pay Back. Because the debt contract is still valid. When applying for a loan, you should have signed a loan contract and have an obligation to fulfill the contract.

Legal basis: Article 675 of the Civil Code of the People's Republic of China The borrower shall repay the loan within the agreed time limit. If there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return the loan within a reasonable period of time.

Legal Analysis: The borrower is obliged to continue to repay the principal and interest of the borrower 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.

The relevant person in charge of the company, Min Zhen, can keep the relevant evidence (such as contracts, emails, mobile phone text messages, recordings, remittance records, etc.), and promptly sue the debtor to repay the money.

Legal basis: Article 676 of the Civil Code of the People's Republic of China provides that if the borrower fails to return the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.

The money borrowed from the online loan company will not disappear because of the bankruptcy of the online loan company, and the lending relationship between the borrower and the online loan company still exists, and the lending relationship will end only when the borrower pays off the money.

Definitely, as long as it's not the bank's money, you don't have to pay it back.

That's right, you don't have to pay it back, hurry up and pray that the online loan company will go out of business.

As long as there is a repayment channel, it must be repaid. It is only natural to repay debts. Don't keep thinking about escaping, 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.

After 15, the regulatory authorities have intensified the rectification of the online loan market, and all kinds of messy P2P online loans have frequently thundered! Don't you have to pay it back?