In fact, it's very simple, just don't panic and don't run away. After all, you still have to pay back the money you owe, no matter how positive you are. So adjust your mentality, don't panic, don't ignore it, and do the following process first.

First of all, we should verify the authenticity of the court summons. After all, collection agencies now like to pretend to be public security law, so they need to verify the authenticity. Specifically, if you look at the official seal, everything without it is fake; Again, it depends on the case number, and those without case number are also fake. If you have both, then call and ask. Find the phone number of the court that sent you a subpoena from the Internet, call your case number and ask them to check the authenticity. Don't be embarrassed and don't worry about anything. This is the duty of the court.

If it's false, it's not a small crime to fix the evidence and then accuse them of impersonating the public security law.

If it is true, don't panic to do the next step.

Look at the location of the stadium. If it is far away from you, it is inconvenient for you to go, and you have never been to that place, you can file a jurisdictional objection with the court. You can search how to write it online and send it to the court by courier. Remember to use the mail and keep the courier receipt.

If it's not far from you, then go. You can ask for mediation first. There is legal support for asking the bank to pay you by installments for up to 60 months. Don't be afraid that the judge won't support you. You must go, and the judge will force the bank to accept your terms. After all, judges also have a mediation rate.

Then we can put aside everything, work hard to make money and go ashore as soon as possible. Never owe money. In addition, the installment agreement cannot be broken twice, so you must choose the installment according to your own strength.

Second, what should I do if I can't afford more credit cards?

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. General banks provide the total energy of three, six, nine, 12, 18 and 24 periods. You can choose the number of periods according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation. If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

What should I do if my credit card is not collected?

Bian Xiao reminds you that when we receive a subpoena, we should check whether it is true or not, and then take measures to deal with it. It is best to find a way to repay the loan in time and actively communicate with the bank. I hope the above content can help you. If you have any other questions, you can click the button below to consult a creditor's lawyer.