First of all, it is natural to pay back debts, so when there is a call for collection, we should actively face the call for collection, tell the truth and negotiate with it.

For example, the recent capital turnover is really difficult, can you apply for deferred repayment or waive the penalty interest. It can not only effectively avoid the explosion of the address book, but also give yourself some buffer time to prepare for repayment. When the borrower is present, the online lending platform will obtain the address book information of the borrower. At first, the borrower will not explode the borrower's address book, but first remind the borrower to pay off the debt quickly, otherwise it will affect the credit. If the borrower fails to repay the loan, or fails to answer the collection call, the probability of being exposed by the address book will be great after repeated collection without results.

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1. What if the online loan is overdue?

If the online loan is overdue, its address book will be exploded. If it is violently collected, you can obtain evidence from the local industrial and commercial department or China Internet Finance Association to collect information. The best way is to repay the loan on time to avoid overdue. Because if it is not overdue, the online lending platform will not collect it. If it is not collected, it will naturally not be exposed to the address book. Of course, some people are overdue because they really haven't arrived yet. And if you can find out whether the interest has arrived, you can ask the other party. The borrower only needs to repay the statutory interest.

2. What if the online loan cannot be repaid?

(1) Actively negotiate with the online loan platform: If the online loan is overdue, you can contact the online loan platform in advance and apply for deferred repayment or multi-period repayment. Many online lending platforms will give borrowers a certain grace period for repayment. Some loans,

(2) Sorting out debts: If you owe a lot of online loans, be sure to find out your repayment date, whether the loan is on credit, loan interest rate and overdue fee. Consider returning it later. Some people need to calculate the penalty interest after loans overdue, and the longer it takes to pay back, the more debts they need to pay back, so they should be settled as soon as possible.

(3) Increase income and go ashore as soon as possible: online loans cannot pay off debts as soon as possible. The most important thing is to make more money. If you are in your own salary or sideline, you can increase your income.

Second, online loans are still not available. How can we prevent him from exploding the address book?

If they bomb you, you should be happy. They have no other way to urge you to repay.

Third, how to prevent online loans from bombing the address book?

First, first of all, a reasonable online loan will not blow up your mobile phone. Second, in fact, online lending is also to make money. As long as he can get through to you, he won't bomb your address book. Third, negotiate with the online loan company to repay, as long as the interest is within a reasonable range, it should be repaid! If you return it, there will be no bombing of the address book. Fourth, tell your friends in your address book directly. If you encounter such calls, you will be blacked out directly. It will be fine after a long time. They will also consider the cost.

Fourth, how to prevent the address book from exploding when the online loan is overdue?

If the online loan is overdue, you can try this:

1, negotiate with the collection. Negotiation is skillful. First of all, you have to repeatedly show your willingness to repay, so that the other party can rest assured that you are not the kind of person who grabs "Lao Lai". But it is really unable to repay at present. After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company determines that you are willing to repay, it will give you accommodation time.

When you pay back the money, you must pay it back one by one, and then return it to the next one. If you choose each platform, it will be even less, especially those who borrow from multiple platforms. I am afraid that even the interest will not be paid, so you will never be able to pay off your debts.

3. Do a good job of preventing the address book from being exploded. Exploding the address book is indeed a very malicious move, and there is no particularly good way at present. However, if you are worried that the other party will explode the address book, you can imitate the following template and give the relatives and friends of the address book a vaccination in advance:

In the face of pressure exerted by the collector after the deadline, just ignore it. This is to prevent collectors from causing mental harm to themselves. If you are indifferent to him, he can't hurt you. It is important to keep a good attitude after the expiration. Only in this way can we face the debt crisis with a peaceful attitude.