If Xiaoge spends money overdue, his address book will be exploded.

1. The first stage, overdue for 1 day to 60 days, overdue for 1 to 30 days, the head office will remind you by phone, the attitude is acceptable, basically no door-to-door visits, the door-to-door is a threat, the card is used as a temptation, and the exemption is low , this period of time belongs to the preliminary collection stage, and it is easiest to exert pressure on users during this period. Since the time is relatively short, and many people are overdue for the first time, their respect for the law still plays a certain role. constraining effect. Many people who are overdue are very scared during this period. The collection officers will not quarrel with each other at this time, but it is not ruled out that a small number of online loan platforms will directly start violent collection. If the money is not repaid at this time, it will enter the second stage.

Second, overdue for 31-60 days, branch owned, outsourced third-party company. Aggressive attitudes, high probability of visits, threats of prosecution, and temptations of reductions and exemptions. Customers who are overdue at this stage are generally facing financial problems. After the initial collection, the collection attitude becomes tough, generally aggressive, and they use harsh words. Collections are often threatened with on-site investigations, legal proceedings, and Section 193. Moreover, according to the law, if the principal is less than 50,000, it must be said that reserve funds, interest, and liquidated damages also count as principal. Some collection agents have even begun to pretend to be public prosecutor lawyers to collect money. If there is no repayment, they usually enter the third stage.

Third, if the debt is overdue for 61-180 days, third-party collection or law firm collection will be outsourced, and the case will be filed and the case file will be sent as a threat. False installment, this time period is the "golden time" for collection, which is what everyone calls "violent collection". If you enter this time period, you will receive countless collection calls, not only from yourself, but also from your own communication The people in the recording will also be affected one after another. In addition, various counterfeit lawyer letters, etc. will appear, and even information from various agencies will be forged. Moreover, this kind of forgery accounts for the majority. The reason is very simple. Even if your credit card is overdue, it will definitely be reported to the credit bureau. However, many online loan platforms are non-compliant, especially the various routine loan platforms. They do not have the authority to ask you for a credit report. This does not mean that you don’t have to pay back the money. As the same saying goes, paying back debts is a matter of course.