Next month is the sixth month. In fact, in the sixth month, violent collection will have no effect. If I could pay back the money, I would have paid it back six months ago. At this time, collectors will also change their collection methods and their level and ability will be improved. If you still find collectors with little ability, the probability of successful collection will be very low. To put it bluntly, six months is equivalent to the turning point of the online loan platform, not the turning point of the debtor, because they have to change the collection person or even the collection company.
In the ninth month, the debtor also began to become smart. If you are not careful, you will be caught by the debtor, then complain and be fined. These things often happen, and collectors will act according to circumstances and will not collect them violently easily. When they meet people who are willing to pay back the money, they will also analyze it from their perspective. It's just that the debtor can't contact your relatives and friends. When you can only contact the debtor, of course, you won't easily annoy the debtor. To put it bluntly, collectors began to play "emotional cards."
At the end of one year, debts will basically become bad debts, and creditor's rights may be transferred. But at this time, the acquisition will not stop, but the frequency will decrease. Finally, it is two years overdue. If it is overdue for more than two years, you can say that as long as you return the contact information, the money basically has nothing to do with you. It's a little harsh, but it is. Do you have any better views on this?
Related Questions and Answers: Related Questions and Answers: What should I do if the online loan is overdue? Relevant stakeholders came to answer the question of reducing interest through negotiation.
I am a lawyer in Beijing now. A few years ago, I worked in the non-performing loan collection management department of the head office of a national joint-stock bank, and now I keep close business contact with my colleagues in the bank. The main responsibility of this department is to manage the non-performing loans generated by our bank in a unified way, including but not limited to litigation, subcontracting collection, packaging or single transfer, debtor negotiation, etc. I personally managed the disposal of thousands of personal overdue loans. Generally speaking, some people owe money to the bank, and within a certain period of time, usually three months, it will be handed over to our department for unified handling, so I still have a profound understanding and experience about what to do if loans overdue doesn't pay it back.
This article does not tell stories, but only talks about dry goods, and shares many years of practical experience of front-line personnel in banks. If you have any related questions, you can exchange and appreciate them in private after the article.
As far as my personal experience in handling thousands of cases in banks is concerned, such cases require lawyers or other professionals to explain the bank's policies, bottom line and internal processes to the parties (the bank is inconvenient or unwilling to explain them to you thoroughly), and the parties and the bank negotiate, without involving lawyers' deep involvement in agency. On the contrary, if the bank knows that the customer has hired a lawyer, it will think that the customer has the ability to repay (it costs money to hire a lawyer), but it will raise expectations and is not conducive to solving the problem.
The above is the background
First of all, we classify non-performing loans, and we have a clear concept. Because non-performing loans can basically be divided into two categories, one is corporate loans (which can be roughly understood as corporate loans with a general principal of more than 654.38 million), and the other is retail loans (which can be roughly understood as personal loans with a general principal of less than 500,000, which is a variety that ordinary people involved in this paper can meet), and the two are handled in different ways. This article mainly answers the latter category, and friends who are interested in the former category can also trust me privately.
1. What should I do if I feel loans overdue or overdue?
If the loan is not repaid, be careful not to repay the bank or other institutions alone. At this time, a single repayment cannot help you solve the problem as a whole!
Banks (and other institutions) can reduce the interest on overdue loans. If only the interest is reduced, the internal approval of banks will be quick. According to my past experience, if it goes well, it only takes 1-2 days from project initiation to approval. In fact, anyone can cut interest rates after the deadline, and there is no real difficulty in examination and approval (I have personally examined and approved thousands of interest rate reduction cases). In the case of defaulting on loans from many institutions, once you assess your financial ability, you can't repay all the loans, and repayment to one institution alone can't solve the problems of other institutions. Sue as much as you should, and charge as much as you want, and don't return any of them.
The correct way is:
Stop a single repayment and calculate the total amount of principal owed by each family (interest is ignored, as explained above) and the funds that can be raised. First, negotiate according to the plan of reducing interest and only repaying principal. For example, you owe a total of 500 thousand principal, and there may be hundreds of thousands of interest. At this time, if you can raise 500,000 yuan, you can negotiate with the lending institution to reduce interest and only repay the principal. If you can't raise money at one time, you can also negotiate by stages.
If it is really impossible to repay all the principal and meet the relevant conditions for the bank to reduce the principal (reducing the principal needs to meet many substantive conditions, and the difficulty and process are far greater than reducing the interest), you can also communicate and negotiate with the institution according to the overall principal repayment ratio.
For example, if you owe money to four or five institutions, the total principal is 500,000 (interest may be hundreds of thousands), and you can borrow 400,000 (usually borrowed by your parents or relatives and friends) within your current ability, then you need to negotiate with various institutions and ask for repayment of 8 costs before you can smooth out the loan. Why do I take the 8-cost fund as an example? It is because some banks can accept the 8-cost fund repayment plan (different banks have different degrees of acceptance). Of course, at the beginning, the bank staff (in fact, you are directly negotiating with the outsourcing collection agency of the bank, and the bank staff manages thousands of cases and has no time to communicate with you one by one) will tell you that the interest can be reduced and the principal cannot be reduced. However, if it is really unable to repay all the principal, the repayment bank with a 20% discount on the principal may also agree. You must understand the bank's mechanism and bottom line before you can negotiate with the bank. If you can't repay the 8-cost payment in one lump sum, you can also negotiate with the bank to repay it in installments. Generally speaking, it is acceptable to repay by installments within six months. Under a few special circumstances, the bank can accept the installment repayment plan within 1-2 years.
But it's best to pay back in one lump sum or within half a year, because the collection agency and the manager of the direct selling bank get the bonus and commission according to your actual payment. If the time is extended to 1-2 years, their motivation to report to the bank for approval will be weakened, and we need to know how to put ourselves in each other's shoes.
Regrettably, in the thousands of cases I have handled, few people can clearly know the bank's rescue policy, and they have not taken reasonable and legal measures, or even taken various extreme measures, which has caused banks and individuals to be annoyed, lose each other and have no ideal results.
The above is what you can consider when you completely lose the ability to repay the loan, but you still have some repayment ability, which generally refers to the ability to repay more than 80% of the principal.
There is another situation, you are penniless and owe a lot of debts, and no one wants to lend you money to pay off your debts. What should I do?
There are some ways. Although it is mentioned above that although banks (and other institutions) generally only accept repayment schemes with costs above 8 yuan, if there are special circumstances, a lower principal discount repayment scheme can actually be realized.
In this case, you need to be prepared for a protracted war. You need to fully prove that your repayment ability is insufficient and show your willingness to solve the problem, fully communicate with the bank staff, actively provide various supporting materials to prove your difficulties, and apply for a large proportion of relief from the bank. There are also many cases where my approved principal is less than 20%.
Here, some friends may ask, then I can't even get a 20% discount. Is there any other way?
In fact, you can't say no, but if the previous principal and the principal are 20% off, which is a regular play, this situation is relatively rare. This article only talks about general cases, and rare cases can be exchanged by interested friends.