If the online loan is overdue or the loan is rejected. Online loan companies generally collect money first. If the phone call fails, they will come to collect it if possible.

If it still doesn't work, the third step is to send a lawyer's letter to warn the other party. If the lawyer's letter doesn't work and the amount of breach of contract is relatively large, the other party will file a civil lawsuit against the remaining online loan and interest.

Now that you have received the package, we should see whether it is a lawyer's letter or litigation materials. If it is the other party's lawsuit, you can prepare evidence and actively respond to the lawsuit. You can also reach a mediation amount with the other party during the trial.

According to the Civil Procedure Law of People's Republic of China (PRC), it is stipulated as follows:

Article 111 If a litigant participant or other person commits one of the following acts, the people's court may impose a fine or detention according to the seriousness of the case; If the case constitutes a crime, criminal responsibility shall be investigated according to law:

(1) Forging or destroying important evidence, which hinders the people's court from hearing a case.

(2) using violence, threats or bribes to prevent witnesses from testifying or instigating, bribing or coercing others to commit perjury.

(3) Concealing, transferring, selling off or destroying the property that has been sealed up or detained, or transferring the property that has been counted and ordered to be kept, or transferring the frozen property.

(4) Insulting, slandering, framing, beating or retaliating against judicial personnel, participants in litigation, witnesses, translators, expert witnesses, inspectors and assisting executors.

(5) obstructing judicial personnel from performing their duties by violence, threats or other means.

(6) Refusing to perform a legally effective judgment or ruling of the people's court.

The people's court may impose a fine or detention on a unit that commits one of the acts listed in the preceding paragraph; If a crime is constituted, criminal responsibility shall be investigated according to law.