If your online loan is overdue and your address book is exposed, you can try this:

1. Negotiate with debt collectors. Negotiation requires skill. First of all, you must repeatedly express your willingness to repay and reassure the other party that you are not the kind of person who goes after the "old guy". But we are currently unable to repay it. Afterwards, you need to give the other party a clear repayment schedule based on your true situation. In fact, online loan companies will provide accommodation time as long as they confirm that you are willing to repay.

2. When repaying the loan, be sure to pay it back one by one, and pay back one household before repaying the next. If you choose to repay a little from each platform, especially for debtors who have borrowed from multiple platforms, they may not even be able to pay back the interest, and they will never be able to clear their debts and go ashore.

3. Take precautions against exploding address books. Exploding the address book is indeed a very cruel move, and currently there is no particularly good way. However, if you are worried that the other party will blow up your address book, you can imitate the following template and vaccinate your relatives and friends in the address book in advance:

In the face of the pressure exerted by the debt collector after the payment is overdue, just ignore it , this is to prevent the collector from causing mental harm to himself. If you are indifferent to him, he will not be able to hurt you. After expiration, it is important to maintain a good attitude. By doing so, you can face the debt crisis with a peaceful heart.