The solution to this situation is as follows:

1. According to the information on the Lulin website, respond calmly. After receiving a collection call, the borrower must answer it.

2. Verify the other party’s information. After receiving the collection call, the borrower must “verify the other party’s identity.”

3. Communicate with relatives and friends in advance. When the loan is overdue, the collection staff will most likely call friends in the borrower's address book.