It is generally true that overdue online loan visitors come to your door, but only legal and compliant door-to-door collections are protected by law. In other words, if the loan debtor is overdue, the online loan platform can To the extent permitted by law, the loan debtor is required to collect debts, usually by making phone calls and other methods. It cannot be generalized. If the debt is owed by a compliant financial institution, such as a credit card or legal online loan that is overdue, there will still be visits from collection personnel, but the requirements must be legal and compliant. When credit cards and online loans are overdue, you often receive collection calls or text messages, saying that a foreign visitor entrusted by a certain credit card or online loan platform is coming to visit, and asking what time to leave someone at home to receive you, etc. This usually happens. This is a means for debt collectors to put pressure on debtors, and they may not notify you when they actually visit. First of all, when a financial institution comes to visit, there are usually two people. Before entering, they will show relevant documents and audio and video equipment to explain the purpose of the visit. If it is a third party entrusted by the financial institution, the debtor can ask the other party to issue an entrustment document to confirm the identity of the visiting person. and qualifications. If they are regular outsiders, they have received relevant training and their behavior will be more standardized. The purpose of the outside visit is generally to understand the actual situation of the debtor and negotiate repayment, so debtors who meet the above conditions do not need to I'm afraid, since I do owe money, face-to-face communication is not a bad thing. Secondly, during the communication process with foreign visitors, the debtor himself must also record and videotape the entire process, and clearly inform the other party to avoid affecting the effectiveness of future evidence. Moreover, the other party will also pay attention to his words and behavior, and foreign visitors also have their work During the process and communication, don’t be nervous or feel guilty. Fully explain your difficulties and express your willingness to repay. Repayment will take time. They will explain the debtor’s arrears in detail and inform them of the failure to repay in time. The consequences to be borne, as well as the subsequent measures that financial institutions may take, such as recovering debts through litigation, becoming a defaulter, etc. As for the mentioned content, the debtor must have the ability to judge on his own. Thirdly, do not easily promise the repayment time because you are afraid or want to get rid of the debt collection as soon as possible, otherwise it will bring you more trouble. If the foreign visitor asks the debtor to sign a document, if the debtor is unsure, ask Can the other party not sign? If the other party requires the signature, the debtor can show the document in front of the video camera and explain that he signed it involuntarily to protect his rights and interests. In addition, general foreign visits People will ask if their family members are at home? Do their family members know about the debtor's debt? The debtor can emphasize that the debt is caused by the debtor himself and has nothing to do with his family members. At the same time, he has the conditions to bear independent responsibility, and if the debtor is not at home, his family members are You can refuse reception. The foreign visitors can only understand the situation and do not have the right to investigate, so the family members are not obliged to cooperate. After the foreign visitors understand the situation in detail, they will compile the materials and feed them back to the financial institution to determine whether the debtor is indeed in difficulty and unable to repay, or whether he wants to pay back the debt. It’s not that scary to be a deadbeat, so it’s not that scary to come to your door. But don’t lose your ability to make subjective judgments just because you’re afraid of being called to your door. It’s not a bad thing to calmly face objective treatment. You need to appease your family, adjust your mentality, and work hard to make money, so that you can repay your debt as soon as possible. Clear debts. In fact, door-to-door collection is targeted at loan debtors with serious overdue situations. Generally, loan debtors will only be called or sent text messages for collection. If the debtor is seriously overdue, the loan debtor can choose to proactively contact online loan platforms. Negotiation, but the loan platform can choose to file a lawsuit directly with the People's Court.