The debt is overdue, and many fans and friends are facing such a thing for the first time, and they don't know how to deal with it at all, and they are really physically and mentally exhausted in the face of pressure from all directions.
Whether it's borrowing or repaying the loan, you only need to understand these eight things at this stage, and I believe that it can basically help you solve many problems:
First, most of the arrears are only civil liability, not criminal cases, and they will not be caught or imprisoned, so the only way to increase their income is to seize the time.
Second, if you owe money to the platform or to the bank, you only need to remember how much the principal is, and you don't need to care about the interest liquidated damages, etc., when you have the ability to repay, you can choose to settle it at once, and most of the unreasonable interest and penalty interest can be reduced.
Third, if you have a certain ability to repay the loan now, you can negotiate with the bank on an equal footing, re-installment, and reach a personalized installment repayment agreement, which can be repaid in 60 installments over five years.
Fourth, if the collection call says that you will go to your home village committee or neighborhood committee to investigate, you should know that the village committee and neighborhood committee are not obligated to cooperate with them in the investigation, and it is recommended that you keep the recording.
Fifth, if the other party has sued you, don't be afraid, call the 12368 national court service number to verify whether it is true or false.
Sixth, if you find that you have really been sued and want to ask a lawyer for help, but you are not on hand, you can call the 12348 Legal Aid Center hotline, which can not only provide free consultation, but also help you fight a lawsuit for free if the conditions are met.
Seventh, don't evade the arrears, don't lose contact, take the initiative to contact each platform or card issuer, explain the situation truthfully, and answer the collection phone occasionally.
Eighth, if you have been subjected to violent collection at this stage, the collection has exploded your address book, contact your relatives and friends, do not panic, you can report to the online loan complaint platform of the Internet Finance Association of China.
The current society is a country that pays attention to human rights, and as long as it is not a matter of principle, then it can be resolved through consultation.
If you are now facing a debt that is about to be overdue or has been overdue, and you don't know how to deal with it, send me a private message, and I will give you the best plan to take you ashore as soon as possible.