1. communication solution: contact the loan platform, explain the current economic situation, and seek the possibility of deferred repayment or installment repayment. Try to keep good communication, honestly show your willingness to repay, and put forward a feasible repayment plan.
2. Reasonably arrange funds: give priority to paying overdue online loans to avoid generating more liquidated damages and interest. At the same time, make a reasonable consumption plan to ensure that there are enough funds for daily expenses and other debt repayment.
3. Seek professional help: If you can't pay off your debts by yourself or reach a compromise with the loan platform, you can consult a professional institution or lawyer to understand the relevant legal provisions and ways to protect rights. They can give specific suggestions to help solve such disputes.
Summary: In the face of arrears and debt collection, it is very important to keep communication, make repayment plans and seek professional help to ensure that legitimate rights and interests are protected.
Extended data:
-When communicating with the loan platform, try to record the communication content in writing or email for emergencies.
-If the problem of arrears cannot be solved, the creditor can apply to the court for enforcement through legal channels, such as seizure of property and seizure of deposits. , realize the recovery of creditor's rights. Therefore, it is necessary to communicate with the lending platform in time and seek compromise.
-According to the relevant laws and regulations of our country, the loan contract has contractual effect, and the borrower shall perform the repayment obligation according to the contract. At the same time, the lending platform also has the responsibility to ensure that its business is legal and compliant, and it cannot take too tough measures to collect debts.
-In China, P2P lending is regulated, and lending platforms must obtain corresponding licenses to operate legally. If the loan platform violates the law or infringes on the rights and interests of borrowers, you can report complaints to the relevant regulatory authorities.