Nowadays, peer-to-peer lending has become a common way of micro-loan, which facilitates the borrowing needs of many users. However, even if it is a convenient way of peer-to-peer lending, many users will inevitably lead to overdue repayment for various reasons. So, what should I do if the online loan phone is overdue? Try these solutions!

1, face the call rationally and keep calm. In the face of collection calls, everyone's first reaction may be emotional excitement and anxiety, but this situation will reduce the user's reason. Therefore, in the face of this situation, users should keep calm, don't be overly nervous and angry, and try to communicate rationally and peacefully with the collection personnel to understand the specific situation of arrears and put forward their own repayment plans. Of course, in the process of communicating with the collection staff, users need to protect their own safety and privacy, and don't disclose their personal information easily.

2, master the legal provisions, understand their rights and obligations. Although overdue repayment is a wrong behavior, the collection personnel must also abide by the corresponding laws and regulations and must not use excessive and threatening violence. If the collector uses insulting language or other improper means on the phone, he can keep the evidence and call the police in time. At the same time, users also need to know their rights and obligations, and don't be deceived and misled by the collection staff. If the repayment requirements put forward by the collection staff are too harsh, users can negotiate repayment according to the law and their own time, while protecting themselves.

3. Seek suitable solutions and take effective measures to repay the loan. If you really can't pay off all your debts, you should actively find other ways, such as borrowing from friends and family, to solve the repayment problem in time. While looking for other repayment channels, users also need to make repayment plans and scientific repayment plans to reduce the occurrence of interest and fines.

It can be seen that users must calmly handle the network loans overdue collection calls, rationally face the collection calls, remain calm, master the legal provisions, and understand their rights and obligations. Only in this way can we effectively avoid economic losses and protect our legitimate rights and interests.