Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

How to deal with overdue online loans? What should I pay attention to?

Although online lending is terrible, it is not hopeless.

In those years when online lending rose, many people made profits, while many people were miserable, ranging from tens of thousands to hundreds of thousands.

Some people have touched the bottom line of law and morality because of online loans.

Others suffer from depression and unemployment because of online loans.

What's more, because I can't stand the pressure of online loan collection, I choose an extreme way to bid farewell to this world forever.

In fact, it is unwise. Although online lending is terrible, it is not hopeless.

As long as you keep a clear head and master some essentials and skills, it is usually easy to land successfully, just a matter of time.

After reading the real experience of many people who successfully landed after the online loan was overdue, I summarized the following points.

1. Don't support loans with loans.

The collection will put pressure on you by all means. At this time, you may be unable to resist the deception and intimidation of collection and go to raise funds everywhere.

Some people even hesitate to borrow usury, which will only make their future road narrower and narrower, deeper and deeper, and more and more debts.

People who "support loans with loans" may bear multiple debts at the same time, just like one stone after another.

Second, treat the collection rationally.

Once the online loan is overdue, it will inevitably be hidden phone calls and text messages, and later it will receive various letters (mostly lawyer letters and subpoenas), most of which are forged.

In fact, no matter what kind of collection method, their purpose is only one, that is, to recover the loan. Therefore, in the face of collection, you don't have to struggle. Just remember, you won't be forgotten by the collection until the loan is paid off. Get used to it.

If you think about it from another angle, if the arrears are overdue, then I believe that few people will think about paying off the debts!

Of course, if you collect too much, it has seriously affected your life. You must pay attention to collecting evidence and complain in time.

Third, selective repayment.

When you are heavily in debt, there are not only overdue online loans, but also credit cards or bank loans overdue.

In this case, if you still have a certain income, you must pay back the credit card and bank loan first, because if the credit card amount is large, it may rise to a criminal case if it is overdue, and loans overdue, the bank, is likely to be prosecuted, unlike online loans, most of them will not be prosecuted. Even if sued, it is only a civil dispute and does not involve criminal responsibility.

In addition, if you owe a lot of online loans at the same time, you can give priority to repaying the credit report (how to know that there is no credit report on the loan, you can print the credit report at the local people's bank).

In the case of too much debt, it is suggested that not every family should pay it back. Since it hasn't been paid yet, simply don't pay it back for the time being, accumulate funds first, and then negotiate with each family.

Fourth, be kind to yourself and your family.

After the deadline, the best way is to tell your parents not to let them bear the burden for you, but in this case, you must tell your parents in advance to prepare them psychologically. It is better to say a lot of yourself than to say a lot of others' words.

Because even if you don't say it today or tomorrow, the day after tomorrow will be when you call your parents from a strange phone, and you will find that it is better to tell your parents in advance if you know it early.

Many parents don't know what online lending is, and they are scared by a phone call from the collection staff, which will make parents worry. It is better to let parents know what online lending is in advance. We are not bad people or sinners who use online loans.

Let's face it, as before, let go of the burden, face it bravely, work hard and make money.