First, I've heard people say that the collector is false except for asking you to pay back the money. Although it's a bit exaggerated, it makes sense, because their job is to collect debts, and they try their best to force you to pay back the money, so lying has become their daily life. Finally, I want to tell you that all kinds of threats, collection threats, such as prosecution, imprisonment and freezing of property, are false, whether online loans or credit cards. They have no right at all.
Second, after the deadline, many collectors try their best to scare you and let you repay their performance. You should know that all telephone calls, text messages, WeChat, or any information sent to you in the form of letters such as lawyers' letters, collection letters and warning letters have no legal effect, let alone any compulsion. So you don't have to worry, these are all collections that pretend to dig your psychological defense line, and many online loans are illegal. It's illegal. I won't sue you.
Of course, if it is overdue, it must be treated rationally. We can't be intimidated by collections, and we can't ignore them. It's best to put a right attitude, face it positively, make a reasonable repayment plan, do more part-time jobs and increase income. In fact, many netizens received the so-called bank filing notice, and most of the short messages were forged by the collection staff. The purpose is to put pressure on you to pay off your debts as soon as possible and let them get a commission. Of course, it may also be true, so the first thing we have to do is how to distinguish the authenticity of the filing notice.