1, correctly face the crazy harassment of the collection staff, and don't blindly choose to compromise. Liability is only a civil dispute from a legal point of view. They harass and attack you and your friends in your address book with all kinds of words. This kind of behavior is illegal. In this case, we must collect evidence and safeguard our legitimate rights and interests through legal means. You can even sue the other party directly and ask the other party to compensate you for your injury.

2, identify the true and false lawyer letter Now many collections will send a lawyer letter to the user. Users should know that the lawyer's letter has no legal effect. But that doesn't mean we can ignore it. If you want to take the lawyer's letter seriously, you'd better pull a personal credit report and online loan big data from the central bank's credit report or the official account of Lan Bing Data WeChat to check your credit status. See if your ID card and mobile phone number are risky. Your online loan history details and blacklist information have detailed data. If there is indeed a record of non-performing loans, it is recommended to deal with it as soon as possible and negotiate repayment with the platform.

3. Different liabilities are treated differently. For credit cards and online loans with credit information, give priority to repayment, and try to repay them after the deadline, because credit information is too important for everyone. Once the credit information is blacklisted, it will bring you great trouble. For online loans and informal loans without credit information, the interest rate is extremely high. For illegal routine loans, it is necessary to call the police in time. Some large online loans have to be repaid through legal channels, and only the principal and statutory interest can be repaid.

4, set a good attitude, online loans are overdue, and mentality is crucial. In the face of numerous harassing calls and text messages, you can directly block them. Excessive collection can be directly ignored, out of sight, out of mind, to avoid excessive pressure on collectors. Of course, in addition to shielding the collection, we must also find ways to make our hearts stronger. Don't dwell on the arrears, but focus on how to make money.

If you are an office worker, while doing your job well, you might as well engage in sideline and part-time jobs to increase your income. Nowadays, the mobile Internet is highly developed, and many projects can do part-time jobs in their spare time, such as self-media industry and short video production industry, which are all good projects. Debt is not terrible. The terrible thing is that I am anxious, like an ant on hot bricks who can't find the direction. Calm down and think, analyze your current situation, make a repayment schedule and plan the unfinished road. I believe that one day you can make a comeback.