First, several stages of overdue online loans
The first stage is 1 to 60 days overdue.
The overdue time is 1-30 days, and the Head Office has sent a reminder. Attitude is acceptable, basically close the door, open the card to test, reduce. This period belongs to the initial collection stage, which is most likely to cause pressure to users. Because the time is relatively short, many people are overdue for the first time, and the awe of the law in their hearts still plays a certain role. Many overdue people are afraid at this time. The collection personnel will not collide with each other at this time, but it is not excluded that a small number of online lending platforms will directly start violent collection. If you don't pay back the money at this time, you will enter the second stage.
2. If the payment is overdue for 3 1-60 days, the branch will outsource it to a third party company. Aggressive attitude, high probability of door-to-door, threat of prosecution and temptation of relief. Customers who are overdue at this stage generally face economic problems. After the initial collection, the collection attitude began to be tough, generally aggressive and abusive. Regular collection meetings will be held under the threat of door-to-door investigation, legal proceedings and 193. And the law is indiscriminate and universal. If the principal is less than 50 thousand, it must be said that the reserve fund, interest and liquidated damages are also considered as principal. Some collectors even began to pretend to be public security lawyers to collect money. If there is no repayment, it will generally enter the third stage.
3. If the overdue time is 6 1- 180 days, the third party will be outsourced for collection, and the law firm will collect it, threatening to file a case and issue the case file. False staging, this time period belongs to the "prime time" of collection, which is what everyone calls "violent collection". If you enter this time period, you will receive countless collection calls, not only yourself, but also people in your address book. Will be affected one after another. In addition, there will be all kinds of fake lawyer's letters and even forged information of various organs. Moreover, this kind of forgery accounts for the majority, and the reason is simple. Even if your credit card is overdue, you will definitely report the loss. However, many online lending platforms are non-compliant, especially various conventional lending platforms, and they have no authority to let you grant credit. That doesn't mean you don't have to pay back the money. Nevertheless, it is natural to pay back the debts.