About "the cash loan company has closed down, do you still have to pay back the money you owe?" This question, Bian Xiao sorted out the user's answers from multiple channels, so that everyone can understand it more comprehensively.

1, wonderful answer:

I don't think online lending depends on whether the court accepts it. This is a rogue company. You must use legal weapons to protect yourself. Isn't this a slap in the face? The most important means of collection is telephone collection, which brings harassment to your normal life, harassment to your relatives, friends and colleagues in all directions, and makes you a talk when others drink and chat. So, I think it's hard to say what the future wind direction will be. Maybe some companies will go bankrupt completely and the boss will run away. This situation is also very common. Large companies such as Alipay and Micro-loan are due to repay, and other small loan companies are repaid.

2. Wonderful answer:

There are five reasons to report Qujing Fan Hui usury company. First, it was originally called Pratt & Whitney, but later it was changed to Fan Hui without the knowledge of any colleagues and customers, and the legal entity was also changed to be more conducive to dunning. Second, the beheading rate is above 10%. Third, I don't know the handling fee of Cheetos. Fourth, the interest rate is much higher than the national regulations. Fifth, the phone kept exploding for 24 hours during dunning, which facilitated insulting messages. Sixth, the social people who carve dragons and paint phoenixes have come to the door!

3. The following opinions were praised by 18 people and discussed by 19 times:

The bankruptcy of the cash loan company does not mean that the creditor's rights relationship between the borrower and the lender is eliminated. It's like, if you borrow someone else's money and nobody has an accident, you still have to pay it back, but only to his heir. In addition, this company may borrow money from others, and the creditors of cash loan companies are usually banks, so your debt relationship may be transferred to the creditors of this closed company. For example, if you borrow someone else's money and someone dies unexpectedly, but he also borrows someone else's money, then its carrier will definitely find you. How to solve it between you can be through litigation or negotiation. Of course, it involves the question of how much money to pay back. The annualized interest rates of general cash loan companies are much higher than 24%. If you don't pay back, more than 24% of the interest can be exempted. Of course, cash loan companies will generally control the interest rate within the legal protection range of 24%, while others will be charged in the name of service fees and handling fees. The non-performing rate of normal operation of cash loan companies is 30%, which is covered by high interest rates. If you don't pay back the money, it is already within the cost budget of the cash loan company, which is beside the point. The judicial interpretation is clear: "The interest rate agreed by the borrower and the lender shall not exceed 24% of the annual interest rate. If the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.

4. Wonderful answer:

China's online loans are all liars, please pay back the money. However, is it unreasonable to return money to others and harass family members? Should I accompany a little compensation for mental damage to others? Since you are so kind and lend money to help others, why do you make every family miserable?

5. Wonderful answer:

Although the general cash loan companies don't have the credit information system of the People's Bank of China, many online loan companies use the risk control system, so it won't affect your credit information, but it is more difficult for you to borrow money from other online loan platforms.