1. What should I do if the defendant goes to court after the online loan is overdue?
1, settlement through negotiation: negotiate with the lender, repay the loan, and request the plaintiff to cancel the lawsuit.
2. Respond actively:
(1) Sign for all kinds of litigation documents served by the court, including the notice of responding to the lawsuit, summons for court session, notice of giving evidence, etc.
(2) You can conduct your own litigation. (Personally, you don't need to ask a lawyer. After all, it is better to ask a lawyer to keep the money for repayment. After all, it is not a very complicated case.)
(3) submit a reply. According to the law, the defendant shall submit the defense within 15 days after receiving the copy of the complaint.
(4) Collect and submit evidence. Be sure to read the notice of proof of the court in detail and give evidence in strict accordance with the requirements of the court.
(5) Attend the court session on time. The court is a place where the two parties to a lawsuit directly reason face to face, so there is a saying of "see you in court".
Attending the court session can explain his position to the judge. If the lender violates the rules, he can provide relevant evidence to the judge. The judge will not take sides and will give a fair judgment according to the law. If he does not appear in court, the court can also conduct a trial in absentia.
If you really can't appear in court on time due to objective reasons, you can apply to the court to change the date of the trial.
(6) after the court's ruling and judgment come out, if you are dissatisfied, you should appeal in time. The appeal period for ruling is 10 day, and the appeal period for judgment is 15 day, counting from the day after receiving the ruling and judgment.
Second, online loans will not be prosecuted if they are overdue.
Everyone chooses professional and formal online lending platform loans, so that it is more transparent, fair and equitable, whether in penalty interest or other links. At this stage, some informal online lending institutions are no different from usury. Now if you want to verify whether an online lending platform is professional and formal, the best way is to verify it through relevant documents. Professional and formal platforms often have business licenses, tax registration certificates and so on issued by state authorities. In addition, you can also see if this platform has a fixed business place and has been established for several years.
It is best to go through the mode of on-the-spot investigation, because on-the-spot investigation is the most intuitive and effective way to understand an enterprise. In the process of inspection, everyone must see whether the certificate has expired. Don't just look at the copy and ignore the original.
Online loans that are overdue for 3 months will be prosecuted, and this will directly affect the credit investigation of the parties. At this stage, such an online lending platform has become the best investment and financial management method for many young and fashionable people. Not only is it very convenient to operate. The most important thing is that it is superior to the traditional investment and financial management methods in terms of profitability, safety and convenience, so that everyone can have a more convenient operation and a reliable investment and financial management operation. I hope that through the above brief introduction, I can help you understand the knowledge of overdue online loans.
Internet loans overdue can be solved through negotiation, but there are often many overdue payments, but only when they are sued will they be willing to negotiate with each other. Therefore, at this stage, it is also necessary to pay attention to friendly negotiation with the other party on installment repayment, or negotiation on expected repayment. In any case, at this stage, it is definitely impossible to avoid solving the problem.