For many users whose online loans are overdue, online loan users will receive a reminder call on the overdue 1 day, if the overdue time is too long. Even got the so-called lawyer's letter. However, this is not the case. More than 90% of lawyers' letters are just forged content, which is just their trick.
First, you need to identify yourself as a lawyer.
Strictly speaking, if the lawyer of the other company wants to sue you, the other party needs to provide information that can prove his identity. If the other party only sends you a so-called lawyer's letter through a private number, then this lawyer's letter is 100% fake. For those users who have never been exposed to such content, their financial knowledge and legal awareness are relatively weak, so they are easily frightened by this so-called lawyer's letter.
Second, you need to be clear about the amount and time you owe.
Under normal circumstances, if the amount you owe is less than 6,543,800 yuan and the overdue time is less than three months, the bank or lending institution will not initiate a lawsuit against you. There is a simple reason. It takes cost and time to sue users. Instead of spending a lot of money to sue a person, try to negotiate repayment with this person. For users, don't think that the other party won't sue you in the future, so there is no need to repay. This idea is terrible.
Third, users also need to actively repay.
Because almost all online loans are accessed by the central bank, this means that a person's overdue records will seriously affect a person's personal life. And overdue affects a person's credit information. If a person is maliciously overdue, the relevant lending institution will formally initiate a lawsuit against you. At that time, it will not only be a question of repayment, but also you need to pay a high penalty, and your credit life will be affected from now on.