1, debt planning should determine how much principal, interest and overdue penalty interest you owe.

Also determine which platforms you owe money on, whose loan interest is higher, and whose negotiation is easier to succeed.

In this way, you can determine your future repayment ability according to your actual income.

2. Find a suitable negotiator to contact the customer service staff or other staff of the online loan platform as much as possible, and don't negotiate directly with the collection staff.

At most, the collection personnel report the borrower's specific situation and have no other authority.

3. Be sure to master the skills of preparing for negotiation and oral communication to avoid conflicts with the staff of the online lending platform.

Be gentle and actively show your willingness to repay.

Don't be discouraged even if you are often rejected. Apply for many times and communicate actively.

4. Show proof of personal financial difficulties The borrower can prepare a proof of personal financial difficulties and explain in detail the reasons for his overdue.

For example, unemployment or illness, everyone's situation is different, but we should pay attention to it, be realistic, be suitable and irresistible.

5. Prepare a repayment plan according to your own economic strength, listing your current income, monthly fixed living expenses, and the amount available for repayment.

6. Avoid losing contact Once the network is lost, the online lending platform can easily suspect that the borrower is maliciously overdue, and then choose to directly sue the borrower.

Once sued, the borrower may face more than just the consequences of collection and overdue penalty interest.

7. Get involved in the network supervision platform. Borrowers can also directly find some network supervision platforms to intervene, such as the China Banking Regulatory Commission.

If the online lending platform only has no consumer finance license approved by the banking regulatory bureau, once the banking regulatory bureau intervenes, it is very likely that the borrower will negotiate repayment successfully.

8. Ask the court to organize and negotiate online loans. If the borrower fails to negotiate personally, he can actually wait for the online lending platform to sue himself.

After the court accepts the case, it will privately organize the online loan platform to negotiate with the borrower. During the negotiation, the borrower can seize the opportunity to apply for negotiated repayment and reduce the loan interest.

When many people apply for online loans, they are told that they have become black households because of insufficient comprehensive scores. If it is not the illegal households caused by overdue, you need to find other reasons. For example, is it caused by the high frequency of online loan applications? You can find your own unclear places in "Xiaoqi Credit Information". As long as you understand the reasons for becoming a black household, you can improve online loan big data according to the situation.

Extended data:

How to deal with the total harassment of family members due to online loan collection?

If the online loan is overdue, the collector will always call his family to collect it. Users can take the initiative to contact the lending institution to make repayment, so that the collector will not urge the collection again.

After the deadline, the collection staff will call the lender's own phone to collect the money. Only when the lender does not answer the phone for a long time, or refuses to pay back the money after answering the phone, the collection staff will call home to collect money.

Don't call your family immediately after the online loan is overdue. As long as users repay as soon as possible after the deadline, they will only encounter short-term SMS collection.

The more serious the overdue situation, the longer the overdue time, and then the collection staff will call home to collect it.

I don't want my family to know that my online loan is overdue. Please pay off the overdue debt as soon as possible.

Online loans only do telephone collection, and users can only solve the collection problem through repayment.

In case of illegal collection or violent collection, users can protect their legitimate rights and interests by calling the police.