A few years ago, Internet finance was very developed, and various consumer finance software appeared on the Internet, such as Gitzo. Users of this kind of consumer finance software only need to fill in their personal data on it, and then they can get the loan amount after their system evaluation. This kind of software is very easy to get loans, so many people borrow money on it unscrupulously, which eventually leads to overdue. After loans overdue, the lender will call the borrower's hometown directly. What should we do in the face of this situation?

1. After consulting with the lending institution about loans overdue, the first thing users should do is to negotiate with the lending institution. If the overdue interest is too much for them to bear, they can negotiate with the lending institution to reduce the interest and then repay the loan. If there is violent collection by lending institutions, users can complain to the regulatory authorities. For example, in the China Banking Regulatory Commission, if the lending institution has illegal collection, it can also call the police directly.

Second, consult with the staff responsible for collection. If the post-loans overdue lender entrusts a third party to collect money, the user can consult the collection person at this time. Users can choose one-time repayment or installment repayment, but how to repay remains to be determined through consultation with the collection personnel. In the process of consultation with the collection personnel, users should pay attention to saving the recording or written evidence to prevent the collection personnel from going back on their word.

Third, solve the problem through legal channels. If the loan institution fails to repay the loan after collection, and the loan institution calls the user's hometown. At this time, users can also consider solving problems with lending institutions through legal channels, and users can demand the return of principal and interest stipulated by law. At the same time, users can also divide it into 60 stages according to legal requirements. If a repayment agreement is reached through negotiation, users need to strictly abide by the repayment agreement and repay on time to avoid overdue again.