After a period of overdue, many people will receive calls from self-proclaimed law firms, saying that Industrial Bank has outsourced its debts, and then either repay them according to its own policies or send a lawyer's letter to the credit bureau for prosecution. What does this situation mean?
Everyone here knows that this is false. The lawyer's letter needs to be issued by the law firm and stamped with the official seal of the law firm, and then needs to be signed by the representative of the law firm. It must be more than two pages of professional paper with anti-counterfeiting labels. Instead of the so-called pictures on the internet, it can be a lawyer's letter. Before receiving a formal lawyer's letter or court summons, this situation is nothing more than one of the bank's collection methods.
2. What are the consequences of the overdue transfer of Industrial Credit Card to the law firm?
According to the above situation, it is basically false to hand over the overdue repayment of Industrial Credit Card to the law firm. There are no other consequences except the consequences of overdue collection. The following series will introduce in detail the real cases accepted by the law firm, and cardholders may face prosecution.
Prosecution should meet the following two basic conditions: the overdue amount should be large enough and the overdue time should be long enough. If the overdue amount exceeds 50 thousand and the overdue time exceeds 3 months, the bank is likely to sue. If the cardholder explicitly refuses to repay within these three months, then the prosecution is affirmative.