The online loan is overdue, and the debt collection is called to ask for the smallest amount to be paid first. Is this repayment method feasible?

I feel like I am about to collapse. I really can't afford to repay the online loan, and if the business goes bankrupt, I won't have any income to repay the money. However, they are pressed for payment or pursued relentlessly to force themselves to repay the loan. He said it would be fine to pay back the smallest amount first, but he didn't have the money to pay back the smallest amount. Then he was asked how much money he had now, and the netizen said it was two hundred yuan. The reminder immediately says you need to pay back 200 yuan.

You owe hundreds of thousands of dollars in online loans, but what’s the use of these few hundred dollars? Even the loan interest is not enough, let alone overdue interest, which will not help your debt at all. It is equivalent to a drop of water in a river. If you want to pay it back, just pay it off in one lump sum, at least 50% of the capital. Only in this way will all your debts be helped. When the principal is repaid, your loan interest will also be reduced. If you pay back one or two hundred points each time, it will have no effect. That may just be a big bag that will never come back. The daily loan interest plus contract penalty and overdue interest will most likely cost one or two hundred. If you pay off the loan interest today, you may still be subject to liquidated damages for overdue interest and contract damages tomorrow. That can never be repaid.

As for you, if you really have that much money and can pay it off in one lump sum or 50% of the principal, you won’t be able to overdue your loan. All online loans are overdue because you have no other way out. At least for the time being, I don’t have the ability to repay my current online loan liabilities. What do you think is the use of asking you to pay 3500 as a reminder? You paid back three hundred and five hundred today, but what about tomorrow and the day after tomorrow? As long as you repay the principal, the overdue interest on your loan will continue to be calculated. That’s until you pay off the principal, or apply for a deferment of repayment, suspension of interest payments, and exemption of overdue interest on the loan.

Netizens said it would be bad if he didn't pay back the money, and basically kept calling him to press him for payment. No matter what, you have to pay it back first. If he doesn't pay back a sum first, he will open his cell phone address book and call his family. Could it be said that you will be rich if your mobile phone address book is depleted when the debt is collected? If the debt collection and giving your relatives' mobile phones can make a person rich and repay the loan, then he can just call him. The fundamental reason is that you have no money to repay the loan, not who to call for payment collection.

Don’t panic when encountering this kind of thing, let alone be afraid of reminders. The collector is only responsible for reminding you that the loan is overdue, please pay it back as soon as possible. All other intimidation and threats are expressly prohibited. The right thing for you to do at this time is to maintain a good attitude and actively negotiate for overdue repayment. Then work hard and work hard to maximize your profits as soon as possible. Only when your income increases can you successfully pay off your online loan.

Finally summarize. First, don't worry about what the reminder says, because no matter what the reminder says to make you stressed, it can't change the fact that you have no money. If the debt collection is excessively harassing, you can audio-record the relevant evidence and report him for debt collection. You can just not answer the phone or block collection calls. This person is a third party. The money you owe has nothing to do with him, and you have no obligation to answer his call. Adjust your mentality, do business and work well to proactively improve and increase your profits. The other is to actively negotiate repayment. In this way, you can resolve online loans as soon as possible and succeed as soon as possible.

As the saying goes, tempering requires hardening oneself, and the path is chosen and walked by oneself. Don't expect others during the low period of life, only rely on yourself. You have to rely on yourself at all times to be imprisoned. Be diligent, young man. As long as you don't give up, you will definitely overcome this hurdle. The future is not a dream.

So what do you think about this matter? Welcome to express your opinions and ideas! Is it credible that online loan collection claims can be settled by repaying 50% of the principal?

Is it credible that online loan collection claims that settlement can be settled by repaying 50% of the principal? According to the query of relevant public information, there is the possibility of illegal collection of payments by online loans, which will cause consumers to fall into financial difficulties. Therefore, they should be vigilant when collecting payments. Any illegal collection behavior will not be accepted under any circumstances, that is, online loan collection means repaying the principal. Fifty percent of the gold can settle the untrustworthy situation. Jingdong Gold Bar called and asked to repay part of the money first and said that he was willing to repay.

Currently, whether it is a credit card or an online loan, during collection, if the debtor is unable to repay in full, he will ask When they propose "partial repayment as a sign of sincerity", for them, on the one hand, the internal performance of the company will not be ugly, and on the other hand, there will also be a certain amount of commissions available. It's not illegal to cheat. Once the money has been received, it's impossible to get it back.

Many debtors accept this "earnest money" in the hope that:

Don't get sued

Don't be judged as malicious evasion by the other party

Don’t let the other party explode your address book or harass you maliciously

Unfortunately, no matter how sincere you express your sincerity, there is no guarantee that the other party will not do the above three points, and if you cannot catch them I'll disgust you. Especially the third point, they will use various words and methods to test you to see if you are afraid of this. Once you show some concern, the other person will definitely seize on it and lash out.

The demand for collection is simple: pay back the money. In this way, it would make sense for him to make phone calls and endure scoldings from customers and team leaders all day long.

The only thing that can ensure that you completely solve this problem is to save enough principal and negotiate with the institution to settle the debt.