1. Can a lawyer handle the loan arrears?
You can entrust a lawyer to handle it, and you should repay it as soon as possible to avoid legal responsibility. If it fails to pay back within the time limit or fails to pay back after two reminders, the parties concerned will be prosecuted. First of all, after repeated dunning, if the parties still do not repay, they will file a civil lawsuit with the court. After the people's court hears the case, if the parties still fail to repay the loan, they can transfer the case to the public security organ for investigation and formally establish it as a criminal case.
After the online loan is overdue, you must pay off the arrears as soon as possible, because many online loans have high interest rates, and once overdue, it may cause high overdue fees. Moreover, some online loan products were collected at the meeting or cooperated with Sesame Credit, so overdue affected personal credit. Therefore, after overdue, those with repayment ability should repay as soon as possible to avoid affecting personal credit or generating high penalty interest.
When the online loan is overdue and the borrower's repayment ability is insufficient, he can call the customer service phone of the institution to explain his situation to the lending institution, apply for extension and extend the repayment time. Generally speaking, online lending institutions will not allow borrowers to postpone repayment, but if borrowers can produce some proof of financial difficulties and their monthly income is relatively stable, there is still room for discussion.
Second, how long will online loans give up collection?
Most online loans will give up collection after half a year's overdue, but some may still be collecting for a year or more, but the intensity of collection will be relatively weakened. Online loan collection is usually divided into two stages:
1, telephone collection.
From the very beginning, the borrower will be called or sent a text message for collection. When the overdue period exceeds 10, the platform will call the borrower's relatives and friends, including the reserved emergency contact number. It may also search the telephone number of the user's work unit and the government department where the household registration is located online, call to understand the user's situation, and entrust a text message to urge the borrower to repay.
2, door-to-door collection.
If it is overdue for more than 3 months, the platform will hand over the user contract to the staff for collection, and the door-to-door collection will go to the borrower's domicile, work place and current address. If there is no one at home in the household registration area, you can also leave a letter to the government department of the household registration area. Family collection usually lasts for 3 months.
Money that can't be paid after half a year may be given up, but it doesn't mean it doesn't have to be paid back. Contracts with a large amount may be recovered through legal proceedings, and overdue settlement will always affect users' credit information.
After loans overdue, you can entrust a lawyer to handle such problems. If loans overdue is caused by the lender's unemployment, you need to express your willingness to repay to the lender and negotiate with the lender for repayment. At this time, the repayment method and time can be renegotiated; If the lending institution does not agree to negotiate, the lender can also increase its economic income, reduce unnecessary daily expenses, and pay off its debts as soon as possible.