1. How much is the overdue online loan to consult with a lawyer?
This should be decided by the debtor and the lawyer through consultation. There is no uniform law on the lawyer's fee standard, which is generally around several thousand yuan.
The following main factors shall be considered when a law firm negotiates the fees for lawyer services with its clients:
Working hours spent;
(two) the difficulty of legal affairs;
(3) the client's affordability;
(4) Risks and responsibilities that lawyers may bear;
(5) The lawyer's social reputation and working level.
Second, what should I do if I can't afford the loan temporarily?
1. Explain yourself to the lending institution, apply for extension, and extend the repayment time;
2. Find another lending institution to apply for loan funds, and use the funds to repay the loan first to avoid overdue;
3. If the remaining repayment amount is not large, you can borrow money from relatives and friends for turnover and then pay it back.
3. What are the consequences of overdue online loans?
1, penalty interest and liquidated damages
If the loan is not repaid, the first thing you will encounter is high interest and corresponding liquidated damages. If you don't want to get yourself into a loan quagmire, you'd better develop good repayment habits.
2. Credit will be damaged.
Whether it is money borrowed from banks or money from online lending platforms, if it is overdue, it will be much more difficult to apply for credit cards or loans in the future. Some people think that overdue online loans have no effect on their credit information. In fact, this idea is wrong. At present, there is an interconnected encryption system between the online lending platform and the central bank. On the online lending platform, there will also be a "blacklist" system, and your credit can be found in minutes.
If the circumstances are serious, people will go to jail.
Usually, this kind of non-repayment of money is a civil dispute and has not risen to the criminal level. However, if the borrower refuses to perform or has the ability to repay, and insists on default, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail.
Online loans are overdue and must be handled in time. You can negotiate with the online lending platform. If negotiation fails, you can ask a lawyer for help, but only if you need to pay the lawyer's fee. Only after the two parties have negotiated, the lawyer will negotiate for himself and help the debtor negotiate a repayment method that can be borne by the individual.