No, after the online loan is overdue, if the arrears cannot be paid off for a long time, the lending institution can bring a lawsuit to the court and apply for court enforcement. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, and he will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. If it is in loans overdue, or if the lending institution is not standardized, the family information will be transferred by the lending company, and there will be endless telephone harassment. Your information may be used by others, and family and friends, even relatives and friends of your family, may be harassed or cheated. There are countless ways for informal loan companies to obtain family information. The simplest thing is, according to the household registration information, go home directly and write four big red letters on the door, "Pay off the debt". Or, knock on the door politely and have a friendly chat with your family. Be more private, check your family information through your mobile phone number, check the most frequently contacted phone number in your call record, and then get through this phone number, and all the information will be exposed. Or go directly to your unit to find your leader or something. In many ways you can't imagine. Therefore, family data management is a very important management content in modern families. Making good use of family information will make family life in a more civilized, scientific and orderly state and greatly improve the internal quality of family life. Due to the different conditions of each family, family members' occupations, work nature, social status, hobbies, wealth, pursuit of goals, etc., the types of family information are also very different.

Legal basis:

People's Republic of China (PRC) Archives Law

Article 10 Materials that should be filed according to the provisions of the state must be regularly handed over to the archival institutions or archivists of their own units for centralized management, and no individual may keep them for himself.