As for what the bank will do after you run away, it depends on the specific situation.

For banks, the borrower's own repayment is the best thing, which saves the bank from doing some unnecessary procedures;

Therefore, after you run away, the credit cooperatives will try their best to contact you in various ways, including but not limited to telephone, SMS, WeChat, door-to-door and so on. If you can't get in touch, you will find you indirectly through relatives and friends, and then they will tell you with emotion and reason, hoping that you can take the initiative to repay the loan, and will also tell you all the consequences of the next overdue, list the legal provisions for you, and even send you a lawyer's letter.

At present, many large loans of credit cooperatives are generally guaranteed or guaranteed. If the main borrower runs away, the credit cooperatives will find a guarantor and ask for repayment on their behalf.

You borrowed 280 thousand. If you have collateral and loans overdue fails to guarantee or repay it for more than three months, the bank will bring a lawsuit to the court and ask the court to auction your collateral. The proceeds from the auction will be used to repay the loans of credit cooperatives, as well as interest and liquidated damages.

If your 280,000 yuan is entirely a personal credit loan or enterprise credit loans, then after you run away, the credit cooperative can bring a lawsuit to the court and ask the law to seal up your bank account and other assets.

After being sealed up, your bank account can only accept money, not money. As soon as the money arrives in the bank account, the court will deduct it to the exclusive account and then use it to repay the debts of the credit union.

In addition to bank accounts, your WeChat wallet, Alipay change, etc. It may also be seized, and then even Alipay and WeChat payment cannot be used.

If all your accounts have no money to execute, the court will consider executing assets that can be sold, such as land, factories, real estate, automobile products and so on. The proceeds from the sale of these assets will first be used to repay the money you owe to the credit union.

If your loan of 280,000 is overdue for more than six months in a row, and there is no repayment opportunity after the credit cooperatives sue the court, the credit cooperatives may outsource your bad debts to a third-party collection company.

Once the third-party collection company takes over, your life will be restless. At present, third-party collection companies have their own collection methods, and some of them are violent. Being harassed day and night if you don't pay back the money.

If you don't pay it back within the time limit, it means that you have become an old lai. Not only will the credit union upload your bad credit record to the personal credit information system of the central bank, but after the credit union files a lawsuit with the court, if you don't execute the judgment, the court will put you on the list of people who have lost their trust.

Once you are blacklisted, you will have a hard time in the future. I suggest you not deliberately escape. You owe 280 thousand, but it's not a lot. You can also return it together. Don't turn yourself into an old lai, because you will be unable to move in society.

First, the bank sued.

Second, the court will hold a hearing (although the borrower can't be contacted, the court can make an announcement in the newspaper ... and then make a judgment by default).

Three, the seizure and preservation of the borrower and the guarantor's real estate or other property (can also be preserved before litigation).

Fourth, enter the implementation stage. The bank applied to execute the property seized by the defendant (borrower and guarantor).

Fifth, the auction stage. The court auctioned the seized defendant's property according to law.

Six, the court will auction the proceeds according to law, after deducting the attachment fee, evaluation fee, auction fee and other expenses, the remaining money will be transferred to the bank to repay the loan principal and interest.

Seven, the bank continues to recover the outstanding loan principal and interest. ...

According to your question, I feel that you may be the guarantor. I suggest that you actively cooperate with the bank to provide the borrower's property information, which will help reduce your losses. ...

If you have run away, that is, the so-called lost contact, then this money has no meaning of negotiation. The bank will sort out all the materials and go to court for prosecution, and the court will make a judgment according to the rules. Generally, there are three results in the end:

(1) You are blacklisted by the bank, and you can't do any business related to bank wealth management from now on;

(2) All assets under the name are frozen and sealed up by the court, and auctioned for repayment of bank loans;

(3) All high-consumption activities are restricted by the court's inclusion in the list of untrustworthy executors.

The above is what happens with normal loans, because this is a civil case dispute and will not involve imprisonment.

But once your original loan contains false materials (such as fabricating false reasons such as introducing funds and projects; Using false economic contracts; Using false documents; Using false property rights certificates as collateral or repeatedly guaranteeing beyond the value of collateral; Other ways to defraud loans, etc. ), then it involves fraud. In this case, it is a criminal case and you will go to jail.

Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. according to Article 175 of the Criminal Law of People's Republic of China (PRC). Whoever defrauds a bank or other financial institution of funds, thus causing heavy losses to the bank or other financial institution or other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

The amount of 280,000 yuan is not large, and it is not a major loss, so even if you go to jail, it should be within 1 year.

It's only 280 thousand, which is not a big amount. I advise you not to avoid debt, because avoiding debt will ruin your life. Whether it is the blacklist of credit information or the untrustworthy person, it will have a great impact on your future work and influence. So I suggest you contact the bank when you come back, and try to get the bank to stop lending and repay the loan in installments, so that a bad credit record will be deleted after five years. On the other hand, if the bank doesn't sue, you won't be included in the blacklist of untrustworthy people, which won't have much impact on your future life and work.

280 thousand, if it is paid back in five years, it will be less than 60 thousand a year. Save money, you should still be able to get it back. If you run away, it will be difficult for you to go home later. It's really unnecessary.

There should be the following ways:

1, home collection, the borrower will go to the borrower's parents, spouses and other relatives to ask for repayment. In fact, it is really bad to overdue debts now, not only for yourself, but also for your family. Children introduced to Lao Lai some time ago will also be affected in school and work.

2. It may be transferred to the collection company for the next stage of collection. In fact, the collection is much more civilized now, but it will always come to you and keep looking.

3. If it is a mortgage loan, it will apply to the court to deal with collateral, such as a house, and auction it.

If there is a guarantor, the bank will ask the guarantor to replace the repayment, which is indicated in the loan contract at that time. If you don't pay back, the bank will usually sue the court.

There is really no way, so the bank will write off the loan by itself.

The bank will sue you in court, the court will seal up the assets under your name and auction them back to the bank, and the bank will blacklist you and put an end to all your loan business from now on.

If you have no assets in your name, you will also go through the above procedures. The court will mediate between you and the bank according to your situation and make an installment repayment plan. As for whether you can repay the loan as scheduled in the future, the bank can only look at your fate.

But the important point is that if the court has evidence of your malicious breach of contract, it will sue you for defrauding state-owned property. This is a criminal case, and you will go to jail. However, it is only a few hundred thousand dollars. If you are really bankrupt, the bank can only make you realize the importance of linking your future development with personal credit information, and let you obey the court's judgment and fulfill the obligation of repayment by installments.

Alas ..... it doesn't matter who comes out to fight, but you should be responsible, pay if you can, communicate with the bank more, and don't answer the phone. No matter what you do, even if you have nothing, as long as you have integrity and confidence to work, the bank is still willing to give you a way out.

Answer your friend's question first, owe the bank money and run away. If the bank can't find you, it will contact your family and all the people around you who have left messages in the bank, because they want to get your latest contact information and actual situation. If you still can't get in touch with yourself through these, then when your overdue times (or months) reach a certain level, you will take judicial procedures, such as bringing a lawsuit to the court.

If you really enter the judicial process, the debtor will be very passive, and the court will blacklist these untrustworthy people, so people who go to airports, railway stations and bus stations in the future will not have to think about it.

It is suggested that if you really encounter difficulties and can't repay in time, you can try to go to the bank directly, explain the situation, and strive for an extension or reorganization and re-staging.

If it is a credit union, it does not pay attention to credibility and does not act according to the confirmed contract. Only some individuals are guaranteed loans from credit cooperatives. Because the funds were not allocated according to the amount, it caused great economic losses to the borrowers. Who will bear the responsibility for failing to make a promise?

The bank will sue, freeze the auction of assets under its name, and join the credit blacklist ... It is not worthwhile to borrow 280,000 yuan to run away! So being blacklisted is a very troublesome thing!

I suggest you don't run away and negotiate with the bank consciously. Credit cooperatives can extend the term, and you can extend it for another year or two. I believe you will have a turn for the better. Running away won't solve the problem, loans overdue. It will affect your credit information, and your credit history will be stained. At the same time, the bank will sue you in court, apply for enforcement, and restrict you from flying and high-speed rail, which will bring you a lot of inconvenience in your future life.