My client's son is 26 years old. In the past two years, he borrowed 30,000 yuan from the online lending platform. Because he didn't pay off, the interest has now become a debt of 654.38 million.

Recently, my client often receives harassing calls from debt collection companies entrusted by online lending platforms, asking him to help his son pay back the money. I am a customer who can't stand being disturbed. Come and ask me what to do.

I told him not to worry, because he had no legal obligation to repay his son's debts. It is legally untenable for people on the online lending platform to come to him to pay back money for their sons. He wondered, isn't it natural for his father to pay his debts and his son to pay his debts? Why doesn't he need to pay his son's debts now?

This is because his son has reached the age of 18 when he borrowed from the online lending platform, and he is a person with full capacity for civil conduct. The debt owed by the son to the online lending platform belongs to the son's own debt and should be repaid by the son himself.

Therefore, as long as he does not provide guarantee for his son's loan to the online lending platform, there is no reason for the online lending platform to let him pay back the money for his son.

After listening to it, he suddenly realized, and then according to my suggestion, according to the key number (such as 950**) rule, the phone number of the debt collection company was blacklisted. A few days later, he came to give me feedback and said that he had never received a harassing call from a debt collection company.

I also reminded him that the loan interest rate of this online lending platform generally exceeds the upper limit of interest rate protected by law, and there may be cases of beheading interest and excessive liquidated damages. Otherwise, his son's loan of 30,000 yuan could not become more than 654.38+10,000 yuan in just two years. His son doesn't have to repay the interest and liquidated damages that exceed the legal interest rate ceiling. If it has been repaid, it can be claimed to offset the outstanding loan principal and interest. Therefore, even if the son pays back the money himself, it doesn't have to be as high as 6.5438+10,000 yuan.

Finally, I hope that young people can establish a correct concept of consumption and live within their means. Never fall into the whirlpool of online loans in order to spend in advance. The suicides caused by campus loans and online loans that are frequently exposed now are the lessons of blood. Isn't it shocking enough?