The loan interest of online loans is generally high, and it has no legal effect on the interest beyond the legal provisions. The court can make a judgment according to the regulations.

After the judgment takes effect, the online loan company can apply for enforcement. The case entered the enforcement procedure. Judging from the enforcement work of most courts, people who have been executed fail to fulfill their judgment obligations, and they will basically be included in the list of people who have lost their trust, which is what everyone calls "Lao Lai". A little more troublesome is that once the court enforces it, it may freeze your bank account, WeChat and Alipay payment account, resulting in your credit card or mortgage overdue.

The premise of judging a faithless person is the court's judgment.

As long as no one sues you, you won't be labeled as a faithless person …

Online loans generally do not sue, as long as you pay them back slowly, they will not sue easily, after all, it is irregular …

Hang in there and pay off the mortgage and credit card slowly …

All you have to do is be careful not to downgrade your credit card, so that your capital chain will not break.

Last month, the online loan was overdue, and the loan was stopped and forced to go ashore. There are six or seven, with a total amount of more than 100,000. Several credit cards, and a small amount will be returned normally. China Merchants Bank and China Everbright Bank each have 20,000 pieces, requiring personalized customer service staging. The answer is not overdue, and negotiation can only be held after the deadline. Everbright gave me a plan, suggesting that I apply for an extension of six months based on the policy of epidemic period, because personalized staging is at least two months overdue. If the economic situation does not improve after two months, it is not too late to apply again. Because she said that once the card is personalized, it will be deactivated and cannot be used. I firmly say that the goal is to pay off slowly and don't want to use it anymore. If you set a card, you are caught in a vicious circle. The point you pay back every month becomes interest, and the principal will never decrease. This is a very painful lesson. The second application for investment promotion failed, and it is three days overdue today. I am going to communicate with the bank again.

Online loans can't be managed now, and they can only be overdue for the time being. Every day, all kinds of calls are bombarded indiscriminately, and most of them are not answered. I didn't pay attention to those text messages that threatened to cancel or give loans again. This may be a routine collection. Recently, many people have said that they want to send a lawyer's letter and go to court. And abusive people harass my emergency contacts every day.

I feel very anxious every day, my hair is falling off one by one, and I am trying to find a part-time job and do things. I really hope to find a direction, earn money well and go ashore as soon as possible.

First, he will sue you, the court will decide and then enforce it. Those who don't implement it will be classified as untrustworthy.

Don't overdue mortgages and credit cards, and take the time to negotiate online loans.

Make money quickly and recharge funds.

If the online loan is not prosecuted, it is just that your credit information has been hacked, and it is difficult to get a loan and it is difficult to apply for a credit card.

If online loans sue you, you may be listed as untrustworthy by the court. It is suggested that if there is a lawsuit, it is best to actively respond to the lawsuit, explain the actual situation to the court, such as the credit card and mortgage being repaid, and personal income, and strive to reduce interest rates and repay by installments, and try to avoid enforcement. As long as there is no deliberate failure to pay back the money, there will be no situation of breaking the trust of the executed person, and at most it will only be a high limit.

As long as there is a creditor's lawsuit, if the debtor fails to fulfill his obligations under the effective legal documents, the court will basically include it in the crime of breach of trust.

No company has the right to list a citizen as an executor of bad faith unless a court ruling is sent! If a company's capital dares to override the law, then the consequences will be at its own risk [cool drag]

Simple answer: if the interest rate exceeds the national interest rate, it will not be recorded in the credit report. For online loans that meet the national interest rate, once the credit report is filed at the prosecution meeting, it will become untrustworthy and have a bad record.