This kind of collection method is innocuous, just sending an email to remind you that the effect of such collection is estimated to be no good, and Lao Lai just doesn't read the email at most. A friend was 20 days overdue and received several reminders, but he didn't receive a phone call. After full repayment, the flower buds can still be used normally.

Level 2: Call relatives and friends.

After all, telephone collection should be a classic, and everyone has seen it in many TV movies. This is a common method when there is less debt and the overdue time is not long. For a borrower with face and dignity, it is still a shame if all his relatives and friends know that he owes hundreds of dollars and doesn't pay back thousands. Many small loan companies, when the arrears are not paid back, the metropolis chooses to collect them.

The third level: leave a stain on the credit information.

Personal credit investigation is very important for individuals now. If Lao Lai, who generally owes money, does not pay back the money, then the bank loan will not be approved, and it will also restrict going abroad and taking the high-speed train. At present, overdue bank loans and credit cards will be recorded in personal credit information; Online loans on platforms such as ant lending and atomic lending are overdue and will also be included in personal credit information.

In some cities in the south of China, some businessmen have more money business dealings and a greater demand for loans, but their trade dealings are uncertain, which leads to their inability to repay in time, thus affecting them. Therefore, in public transportation places such as subways and buses in the south, it is sometimes very common to play the list of people who have been executed in bad faith on the big screen.

The fourth level: go through legal procedures.

In the face of borrowers who owe a large amount of money and are unable or unwilling to repay, lending companies are likely to take judicial procedures. If the borrower is sued in court, the court will decide to pay back the money. According to the provisions of the Criminal Law, if the borrower is able to repay the loan without repayment, the court may sentence him to fixed-term imprisonment of not more than seven years.

Money owed to JD Finance will be collected by phone. If the amount is large and refuses to repay after collection, the borrower will be brought to court and bear corresponding legal responsibilities.

The fifth level: violent collection

Even under the harmless means of email and telephone, it still doesn't work, that is, violent collection, and some debt collection companies go home to make trouble and go to the company to block Lao Lai, making Lao Lai fidgety. For example: usury.

Collection is something that no one wants to encounter, whether it is a borrower or a lender. In order not to cause trouble, it is better to repay in time.