If you are not sued for owing online loans, you will generally repay them as soon as possible. If you are unable to repay, you can negotiate with the online loan platform before being judged by the court to see if you can repay it in installments, or postpone the repayment by IQ. Otherwise, we'll have to prepare for the lawsuit. What should I do if I owe online loans and I am not prosecuted? First, what should I do if I don't owe online loans? For those who owe online loans, the creditor's main purpose is to make the debtor repay, and naturally he will not sue me. Otherwise, the debtor needs to be prepared to respond to the lawsuit. Second, the current collection method of online loans is 1. SMS notification is generally used for short overdue days, no more than one week. 2. Tell me by phone and start calling yourself to ask how long it will take to repay. 3. Contact the list in the address book. Here is a reminder that all the apps on the online lending platform will read your address book or upload your own mobile phone service password. They can only choose some people you often contact. 4. Start short message bombing and abuse debtors in online forums such as Post Bar. 5. Intimidate and threaten borrowers. 6. Send a lawyer's letter or reminder letter to your address. 7. Court summons. Three. If the responsible borrower fails to repay the loan, he shall pay liquidated damages or penalty interest to the lender. Payment of liquidated damages refers to the payment of a certain amount of money to the other party according to the provisions of laws and regulations or the loan contract when one party fails to perform or fails to fully perform its obligations stipulated in the loan contract. This is an economic sanction against the defaulting party for breach of contract, which is punitive. Liquidated damages are divided into statutory liquidated damages and agreed liquidated damages. The so-called statutory liquidated damages refer to the amount, range, scope and payment method of liquidated damages stipulated by laws and regulations. When one party breaches the contract, it shall pay liquidated damages to the other party. If the losses caused to the other party by breach of contract exceed the liquidated damages, it shall also compensate for the insufficient liquidated damages. If the borrower fails to use the loan according to the purpose stipulated in the contract, the borrower has the right to recover part or all of the loan, and charge a penalty interest at the interest rate stipulated by the bank for the part used in violation of the contract. If the borrower fails to repay the loan on time, the lender has the right to recover the loan within a time limit and collect the penalty interest according to the regulations of the bank. If the Lender fails to provide the loan on time due to the Lender's responsibility, it shall pay liquidated damages to the Borrower according to the default amount and days. The calculation of liquidated damages is the same as that of penalty interest. The "penalty interest" here belongs to the statutory liquidated damages. The above is the related content compiled by Bian Xiao. If you owe an online loan, you won't be sued. At this time, you should actively negotiate with the online lending platform, and then pay back all the arrears. If you don't repay the online loan in time, you will face dunning, and some dunning methods are more violent. If you have other needs, please do one-on-one legal consultation online.

Legal objectivity:

Article 243 of the Civil Procedure Law: The parties must perform legally effective civil judgments and orders. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution. Mediation and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution. Article 245 If one party fails to perform the creditor's rights document which has been given compulsory enforcement effect by the notary office according to law, the other party may apply to the people's court with jurisdiction for enforcement, and the people's court applying for enforcement shall enforce it. If the notarized creditor's rights document is indeed wrong, the people's court shall rule that it will not be executed, and serve the ruling on both parties and the notary office.