Many people panic as soon as they see the pre-litigation and sue, and anxiously break their original repayment plan (overdue payment is usually negotiated to suspend interest first (credit card processing first, online loan second)), and quickly raise money to repay. In fact, No need to. Many people will receive a text message from the Yingtan Mediation Center after their credit card and online loan are overdue. The content is written in a formal way. It is probably because you have not paid the debt on the xx platform. The platform has sued you and we are here to go to court. Pre-mediation.

There are areas that specialize in P2P/online lending, that is, all kinds of online loans go to that city to set up a branch, and then the online contract signing locations are agreed to this place by default. The court concentrates on online loan litigation. This so-called mediation center, Yingtan Financial Dispute Mediation Center, is just this kind of institution. It is a private mediation institution. Simply speaking, it is a collection agency, or it is covered with this layer of falsehood. It wears the appearance of a "court mediation agency" but is actually engaged in debt collection.

Please look for the real notice of prosecution (12368). In addition to this number, other text messages with T-order and pre-trial mediation with phone numbers are just collection methods.

If you receive the 12368 text message, you can go to the People’s Court online service and select the area to see if there is any information about you. Don’t panic when you receive a lawsuit. The court will call you for pre-trial mediation.

Investments failed during the epidemic, resulting in seven credit cards being overdue, with a principal of more than 300,000 yuan. Now the penalty plus interest has increased to more than 400,000 yuan. Other small loans, online loans and other platforms have borrowed tens of thousands more. , my current salary is only a few thousand yuan, which is not enough to repay the monthly interest. Now the legal department of the bank has contacted me and said that I will sue. WeChat and Alipay have also been frozen. My parents have no income in their hometown. I still have a mortgage, and I still have to pay back the interest. I have to raise a child. Is there any way you can help me? I want to start my life again