1. A positive answer
Alipay will prosecute the amount of loan arrears, but it is not clearly stipulated.
Second, the specific analysis
In real life, Alipay has the right to sue when the overdue time is more than three months.
However, because litigation takes a lot of time and energy, Alipay will not sue easily.
unless it is really overdue for a long time, and the amount owed is not low, and Alipay has failed to respond to repeated reminders, and has not repaid or even contacted anyone, it is estimated that Alipay may bring a lawsuit to the court to urge repayment as soon as possible through legal means.
if you don't want AliPay to sue you, you'd better get into the good habit of paying back on time and try to avoid overdue.
after overdue due to failure to pay, you should also find ways to pay off the arrears as soon as possible.
if you really can't pay it off at the moment, you should also try your best to pay it back a little bit, so that Alipay can see that it has the will to repay actively, and don't directly avoid not paying it back.
You can also contact Alipay customer service to negotiate and try to apply for an extension.
online loan big data can clearly reflect the recent application of online loans by users, whether online loans are repaid on time, and whether identity information is suspected. You can check with credit inquiry tools such as "Beijian Quick Check" to get a detailed risk report.
3. How much do I owe for online loans before I can be sued?
If a user owes money to an online loan for more than 3 months, the lending institution can sue, but there is no requirement for the amount owed, which means that the lending institution can also sue if it only owes money to 1 yuan.
However, when the amount of arrears is low, the lending institution will sue. Even if the overdue arrears are recovered, the cost of prosecution may be higher than the recovered arrears.
Therefore, most lending institutions will not choose to sue users unless the amount owed is high or users are suspected of fraudulent loans. Criteria for filing an overdue lawsuit for online loans
1. Overdue time: When the borrower is overdue for more than three months, the online lending platform will consider the borrower maliciously overdue or unable to repay the arrears. In order to ensure the safety of funds, the online loan platform can choose to sue the borrower directly. Most of these cases are civil cases. The consequences that the borrower needs to bear include assets being auctioned, becoming untrustworthy, and even going to jail.
2. The overdue amount is large: borrowers have good personal qualifications, while online loan platforms often provide higher loan amounts. Generally speaking, the principal of more than 1, yuan is likely to be sued by the lending institution. And the principal of more than 5, yuan, plus malicious overdue behavior, is likely to go to jail.
The main purpose of the loan platform to sue the cardholder is to make the debtor repay the loan owed by the debtor. If it is sued, it is best to pay off the debt as soon as possible, so that it will not be prosecuted. Otherwise, the debtor needs to be prepared for litigation.
however, if you are temporarily unable to repay, the lender can also take the initiative to contact the loan platform, explain to the customer service of the platform why you are temporarily unable to repay, and show that you are willing to repay, and then try to negotiate with the platform for repayment, and pay on time according to the agreement after negotiation. As long as the lender is willing to repay, the loan platform will not easily sue overdue users. Moreover, the cost of prosecution is very high, and most loan platforms are unwilling to use prosecution to recover the arrears. No matter how much money is owed to the online loan, the online loan platform can sue, but in practice, it is usually a long time before the loan of more than 1, yuan is sued, and the online bag platform should also consider the litigation cost.
Harmfulness of online lending:
(1) It is usurious
Some lawless elements target colleges and universities, seize the characteristics of college students' lack of social experience and weak awareness of prevention, and carry out short-term and small-scale loan activities. On the surface, this kind of loan has little profit, but in fact, the interest rate they get is 1 times or more than that of banks. What's more, they use "usury" to carry out other criminal activities, such as defrauding students' collateral and deposit, or using students' personal information for telephone fraud.
(2) It will breed bad habits of college students
Due to different family backgrounds, college students will inevitably have different economic conditions and consumption levels. College students who are not yet fully mature and stable in thought can easily form blind comparison psychology. Since their financial resources are mainly provided by their parents, once they have this mentality, those expenses will definitely not meet their daily needs. Therefore, their consumption will be limited. Once online loan companies use slogans such as "zero interest" and "quick arrival" to promote them, they will be easily attracted. According to the survey and statistics, the items that college students consume online loans are mainly digital products such as mobile phones, computers and SLR. In addition, tourism and clothing are also their main consumption contents. Due to the temptation of comparison psychology and related items, these students are likely to obtain funds through online loans, and develop bad habits such as alcoholism and gambling. In serious cases, they will skip classes and commit suicide because they cannot repay.
according to the civil procedure law of the people's Republic of China: article 3 the provisions of this law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and between them for property relations and personal relations.
Liability for loan non-repayment:
If the borrower fails to repay the loan, it shall pay liquidated damages or penalty interest to the lender. Payment of liquidated damages refers to the payment of a certain amount of money to the other party in accordance with the provisions of laws and regulations or the loan contract, when one party fails to perform or fails to fully perform the obligations stipulated in the loan contract. This is an economic sanction against the defaulter's breach of contract, which is punitive. How much do I owe online loans before I can be sued? What is the general judgment when the loan is sued?
after loans overdue, the borrower will receive the phone call and the collection message sent by the collection staff. If the borrower fails to repay the loan, the lender may choose to collect it at home or even contact the borrower's family or work unit. How much do I owe online loans before I can be sued? What is the general judgment when the loan is sued?
how much do I owe online loans before I can be sued? In fact, strictly speaking, after loans overdue, as long as the online lending platform is willing, no matter what the overdue amount of the borrower is, it has the right to sue the borrower. No matter whether the borrower owes 1, yuan or 1, yuan, as long as the borrower's overdue time exceeds 3 months, the online lending platform can choose to sue the borrower. However, for online lending platforms, it takes a lot of time, manpower and material resources to sue borrowers. Moreover, if a lawsuit is filed by an online lending platform, in addition to paying legal fees and lawyer fees, it is also necessary to go to the court in the borrower's area, which is not very cost-effective. Therefore, from the actual situation, if the overdue amount of the borrower does not exceed 5, yuan, it is unlikely that the online lending platform will choose to sue the borrower.
what is the general sentence for being sued for owing online loans? If the borrower has a good attitude and is really unable to repay after being sued, there is a high probability that he will be sentenced to compulsory execution and the borrower will become a "untrustworthy executor". If the borrower has the ability to repay the debt but does not repay it maliciously, or even has a tendency to repay the debt maliciously, then he may be sentenced to criminal responsibility by the court and sentenced to a maximum of seven years in prison. The above is the related content sharing of "How much money will be sued if you owe online loans?" I hope I can help you!