2. Telephone collection: the collection staff of Wancheng Finance will contact the customer by telephone, asking them to repay as soon as possible, and understand the customer's willingness and ability to repay.
3. SMS collection: If the customer can't be contacted by phone, Wancheng Finance will send a message to urge the customer to repay.
4. Door-to-door collection: Telephone or SMS collection is invalid, and the collection staff will visit customers at home and conduct face-to-face collection.
5. Legal channels: If the customer refuses to repay or is unable to repay, Wancheng Finance will recover the arrears through legal channels, including prosecution and arbitration.
6. Asset disposal: If the customer is still unable or refuses to repay the loan, Wancheng Finance can take asset disposal methods such as seizure and auction.