Collection is a way to deal with overdue collection, but in order to consider the cost, door-to-door collection has been rare. Many online lending companies provide loans to users through online platforms. The company entities are located in economically developed areas such as Beishangguang, and many users are all over the country. Door-to-door collection is a high-cost return for online lending companies, unless the amount owed is high. The online loan company will choose a local law firm as a lawyer's agent to help the online loan company to collect money, so sending a text message saying that door-to-door collection is probably a strategy for the collection department to panic customers and repay in advance.

First, there are many online loan traps, so be careful.

Many people think that online lending is fast and the approval effect is good. Even some banks can't approve projects, so they can easily bring money with them, and the daily interest rate is very low. This is the view of young people who don't know much about online lending. In fact, the interest of online loans far exceeds that of bank loans, and users are often charged high borrowing costs under the pretext of borrowing costs, so there are many online loan traps, and it is easy to fall into the loan trap if you are not careful.

Second, plan personal consumption reasonably and stay away from non-performing loans.

In daily life, personal consumption ability is directly proportional to personal income ability. The higher his income, the stronger his spending power. In order to simply improve his spending power, if he goes to the online loan or applies for a credit card from the bank, his spending exceeds his personal income, it will easily cause a lot of huge debts to individuals. The expenses after consumption need to be repaid, and his personal income ability is limited, and his repayment ability is also limited. Therefore, it is necessary to plan his personal consumption reasonably and stay away from non-performing loans.

Third, don't be overdue and return the arrears in time.

Although online lending companies have many routines, they will fall into their routines if they are not careful, and the interest is much higher than that of banks. However, if they make personal loans in online lending companies, they need to repay on time according to the loan contract. If it fails to repay the loan on time, it is very likely that the online loan company will upload its personal credit information to the credit center, which will have a negative impact on personal credit, and it will also be great for personal influence in the later period, so it is necessary to repay the loan in time during the repayment period.