According to the information obtained, how long the online loan will not be prosecuted depends on the risk control regulations of the online loan platform and the performance of the borrower.
A platform with strong risk control
For a platform with strong risk control, legal measures can be taken if the online loan does not exceed 3 months. However, if the borrower can actively communicate with the online lending platform, explain his difficulties and agree on a solution acceptable to both parties, then the time of being sued can also be postponed.
Platform with weak wind control
For platforms with weak risk control, online lending will not last more than half a year, or even more than one year before it is possible to sue. However, the fact that the online lending platform does not sue the debtor does not mean that it will not be collected. Some online lending platforms will not only arrange their own staff for collection, but also hire third-party institutions for collection.
For those who don't pay back their online loans, in addition to the risk of being sued, they also have to face a variety of collection methods. Common ones are:
1, telephone, SMS collection
At the beginning, the main experience of people who don't pay back online loans is phone or SMS collection. The online lending platform will call the debtor from time to time, and even call the debtor's family, friends and work units.
2, door-to-door collection
In the case of fruitless telephone or SMS collection, the online lending platform may arrange for staff to come to the door for collection. In some informal online lending platforms, there may be profiteering and door-to-door collection, which poses a threat to the personal safety of debtors and their families.
To sum up, there is no clear timetable for how long online loans will be prosecuted, but more than three months is more dangerous. In addition, no matter when the online lending platform sues, the debtor will face enormous collection pressure.