If it is overdue, it may be prosecuted. You are generally a dunning routine, but don't underestimate it, because they will affect your life and work through more dunning methods, so you should solve the overdue problem as soon as possible.
Overdue can be handled by professional lawyers or institutions. If you are confused now and want to get out of the current predicament, you must look at the following national personal debt overdue processing center to solve the debt problem as soon as possible. Friends who have difficulties can also apply for fees after handling first, and hurry ashore!
The consequences of overdue generally have the following points:
Generate penalty interest
When a lender signs a loan contract with a lending institution, there are usually relevant provisions of loans overdue in the contract. Generally speaking, overdue loans will generate additional penalty interest, each lending institution is different, and the amount of penalty interest and the interest generated are also different. Loans will have corresponding interest and expenses, and overdue loans will lead to additional expenses, which is very uneconomical.
It is difficult to enjoy the preferential loan interest rate.
We all know that when a borrower applies for a loan in a bank, the bank will adjust the interest rate of the loan according to the borrower's credit record and qualification. Generally speaking, high-quality borrowers with good credit are more likely to get loans with lower interest rates. If the borrower suffers credit damage due to loans overdue, even if he gets a bank loan, it is difficult to achieve a lower loan interest rate.
The bank sent a lawyer's letter and went to court to sue.
If you don't pay the bill for more than 3 months, it will be very serious! If the loan bank collects the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.
So how does loans overdue judge whether he has prosecuted or not?
Whether to prosecute really depends on the court summons or the short message notice of 12368, which has the specific time and place of the court session. If you really don't feel at ease, you can call 12368 to inquire, or you can search "China trial process information disclosure network" on the Internet and enter your ID number.
So under what circumstances will you go to jail after the deadline?
1, the amount of a single card should exceed 50,000 yuan, excluding interest and liquidated damages; (Necessary condition)
2. It conforms to the subjective intention of malicious overdraft. For example, after applying for a credit card, it will be polished once and never used again; Or if you don't have a proper job, apply other people's professional information or call the company to defraud the credit card, set it up at one time and don't use it without repayment. (Optional condition)
3. It must conform to "illegal possession", such as evading bank collection by hiding or changing contact information after overdraft; Withdraw and transfer funds; Gambling, whoring and other criminal activities with overdrawn money; (Optional condition)
4. If the bank can't prove the real use of the funds after the credit card is cashed out after the lawsuit. (Optional condition)
Among the above four points, if you continue to meet any of points 2, 3 and 4 after meeting point 1, you may be suspected of credit card fraud. If it does not meet 1 point, according to the regulations, it involves credit card disputes at most, which is a civil case.
The best way to overdue is to pay back the money:
1. Confess to your family and borrow money from your friends in the form of IOUs.
2. Make your own debt list and make a repayment plan.
3. Open source and reduce expenditure, increase income and rational consumption.
4. Adjust the mentality, remain optimistic and actively respond to overdue.
If you have difficulty repaying the loan now, or you can't handle it yourself! You can go to the national overdue treatment center or find a lawyer to apply for treatment. You can make personalized repayment for up to 5 years according to your personal situation, solve your problem in the fastest week, and apply for a fee after successful treatment to help you land successfully!
The problem of overdue should not be underestimated, but there is no need to worry too much. As long as you find a reasonable solution and work hard to make money, you will always succeed.