Q: I am unable to pay back 15, yuan due to gambling, debt, four credit cards and six online loans. What are the consequences of overdue? Will you go to jail if you don't pay back the consequences?

A: Juntong legal online consultation will answer the overdue situation for you.

1. Pay off the arrears as soon as possible. 2. Negotiate the repayment details with the bank. 3. Take legal channels, that is, go to court. First of all, the best way is to pay off in one lump sum, even if you borrow it from your parents, brothers, relatives and friends. This is the best way. Of course, I won't give you unreliable advice such as usury or private high-interest loans here. It is to negotiate with the bank for repayment, for example, you can offer higher interest than normal repayment, or mortgage real estate and other financial proof. If the bank is unwilling to negotiate, it will have to take legal channels. Again, regardless of how black the bank is, interest plus late fees are so much. Now people have rules and regulations, and you really owe money. People also act according to the rules and file a lawsuit with the bank. You can't win basically, and you may go to jail! 1. According to Article 196 of the Criminal Law, a malicious overdraft constitutes the crime of credit card fraud, and shall be sentenced to fixed-term imprisonment of not more than five years, criminal detention and a fine of not less than 2, yuan but not more than 2, yuan. 2. What is malicious overdraft? According to the relevant judicial interpretation, malicious overdraft refers to an overdraft of more than 1, yuan. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. According to relevant regulations, a malicious overdraft of 1, to 1, yuan shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 2, yuan but not more than 2, yuan shall be imposed; Malicious overdraft of 1, to 1 million yuan can be punished with fixed-term imprisonment of not less than 5 years and not more than 1 years, and a fine of not less than 5, yuan but not more than 5, yuan. 3. If the overdraft amount is less than 1, yuan, although it is not up to the criminal filing standard, the risk still exists, but it will enter the bank blacklist and be sued by the bank for repayment. The bank will not let the money you spent turn into a bad account, and they will sue you for repayment, and with the passage of time, the arrears will generate late fees, interest and other expenses! In addition, malicious overdraft will seriously affect the credit of cardholders. Once it is included in the blacklist of personal reputation of banks, all banking businesses, especially investment loans, will be negatively affected, which should not be underestimated.