The overdue debt collector from China Construction Bank came to my door with a debt agreement and asked me to sign it. Should I owe a word?

Look at the content of the agreement. If you agree, sign it. If you disagree, don’t sign it. Either repay the loan immediately or continue to negotiate with the bank.

The consequences of overdue payment: 1. Penalty interest. Usually, when a loan is not paid off on the interest payment date, the bank will temporarily list it as a collection payment and call the borrower within 7 days to remind the borrower to pay. If the loan is made up within 7 days, the bank will not charge any late payment fees. However, if the payment is not made for more than 7 days, the bank will classify the loan as "collection" and "delayed payment", and you will have to pay late payment fees or penalty interest. Each lending institution has different penalty rates. For example, Citibank's penalty rate is an additional 50% interest on the original interest rate. 2. Add them to the blacklist and record them in bad credit files. The day after the loan is overdue, the lender's name will appear in the bank's internal system, and a bad record will inevitably be left on the credit report. If you haven't paid for more than 3 months, it's very serious. The borrower will have a bad credit record on the Joint Credit Information Center, commonly known as "blacklisted", and may be retained for more than 3 years.

3. Affect future loans and credit card applications. As long as you are on the blacklist, your mortgage and car loans will be affected. Penalty interest is only a monetary loss, while a bad credit record is a loss of intangible assets, the impact of which cannot be compensated by money.

4. Unable to enjoy loan discounts. If you have a mortgage loan, if there are many overdue repayment records in your past loan history, even if you are not on the blacklist, in addition to the penalty interest for late repayment of the mortgage loan, you may not be able to successfully obtain the preferential interest rate of the bank mortgage loan, or even be Say no to a new mortgage. 5. Unable to fly, high-speed rail, or drive a car, and their children cannot attend aristocratic schools. For persons subject to execution who refuse to implement court judgments and rulings, once they are blacklisted, they will not be able to fly, their children will not be able to go to high-cost schools, and they will not be able to serve as the legal representative of a new company; there will be more in the future Punishment can make life difficult.

6. It may affect personal career. For students whose student loans are overdue and have been overdue for more than 90 consecutive days, the bank or school may publish the name, photo, ID number, and overdue information in the media, and may also notify the employer, and the bank may also sue. 7. Sued by the bank and executed by the court. If you are sued, the court will take property preservation measures based on the creditor's application, freeze the deposits of the lender and loan guarantor, and seize real estate, vehicles and other corresponding properties. After the judgment is made, it will be enforced in accordance with the law. 8. Those with serious circumstances will be punished by law until they are sentenced. If one has the ability but refuses to execute a valid legal document, the person subject to execution will be subject to legal sanctions, including judicial detention until he or she bears criminal responsibility. Collectors come to your door to ask for a signature and whether to sign or not

The credit card is overdue and they come to your door to sign and you cannot sign.

If you come to your home with an overdue credit card and ask for a signature, the other party will sue you if you sign. Many collection agencies will add some clauses to the agreement that are not conducive to the debtor. If the debtor signs, he will be in a passive state. In our country, human rights are higher than creditor's rights. If you find that the situation is not conducive to your legal rights, you can refuse.

Overdue credit card collections are generally a precursor to prosecution. When a debtor has been delinquent for a long time and the amount is large, the collection company will send at least two people to the debtor's residence to collect the debt. If the debtor cannot handle the debt in time, the bank will initiate prosecution proceedings.

After your credit card is overdue, don’t believe those online offers to help you deal with your debt. These are usually scams, and finding ways to make money or borrow money to pay off debt is the right approach. After the due date, you must calm down and express your willingness to repay the debt to the collection company. If the other party has illegal collection, you must keep good evidence to safeguard your legitimate rights and interests. Can parents sign the documents for themselves when debt collection comes to their door?

Must sign in person.

If a third-party debt collector comes to your door and requires the lender's signature, as long as there is no inappropriate behavior, it is considered a legal debt collector. At this time, the lender should conduct friendly negotiations with the third-party collection agency to show that it has a strong willingness to repay, and then hope to be able to waive some overdue penalties and interest. If third-party debt collectors accept the lender's request after communicating with the lending institution, they will no longer come to collect debt. If there is violence in door-to-door collection, the lender can directly call the police.

There are many means of collection, but most of them are illegal.

It can be mainly divided into two categories. One is to use the borrower's personal privacy to collect debt. The other is to threaten force. Those who use personal privacy to collect debts, such as using the phone number information provided by the borrower, call and send text messages to the borrower's relatives and friends at that time, forcing you to show up to pay. Some people use the borrower's QQ account to find the QQ accounts of relatives and friends, and some use the borrower's photos at the time to conduct illegal activities. How to deal with third-party collection visits

After the credit card is overdue, it is legal and compliant for the bank to conduct door-to-door visits. Debtors need to pay attention and try to cooperate with the bank's work, but they don't need to be too nervous, let alone avoid or ignore it.

The procedures for external bank visits have detailed regulations. If it exceeds the scope of these regulations, it will be a violation. Understanding the bank's above-mentioned procedures will also help debtors deal with their own debts.

1. Departure: Collection personnel will not come to the door alone. Each visit is usually attended by two outside visitors, carrying the debtor's credit card debt collection materials, letters of introduction, recording pens, cameras and other equipment.

2. Notification: The bank will call the cardholder to explain the visit time. The person in charge will record the arrival time and notify the foreign visitor of the exact location and visit time at any time.

3. Taking photos and recording: The foreign interviewer takes photos and records of the environment around the target address, and records the entire process.

4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his intention, check the customer's mobile phone, home phone number, contact address and other information, and ask the customer to sign for payment. Notice or lawyer's letter, etc. If the debtor is not present and relatives or family members are present, the interviewer will inquire in detail about the relationship between the debtor and the debtor to understand the financial situation and current situation of the debtor, ask the related person to convey the repayment information and ask the related person to make repayment as appropriate. Ask the relevant person to sign a reminder notice or lawyer's letter on their behalf.

If no one is at home, the interviewer will first call the cardholder’s home phone number, listen for phone ringing inside the door, and then call the debtor’s mobile phone to verify the residential address. At the same time, experienced foreign interviewers will conduct interviews and surveys around the debtor's residence, and collect relevant information about the cardholder from the cardholder's neighbors, property owners, neighborhood committees, village committees, police officers, and security guards. If the cardholder has a fixed private mailbox, the foreign interviewer will put the legal notice into an envelope, mark "Do not open and read unless you are the person" and put it into the borrower's mailbox.