Information > General article > Raiders channel > Novice loan >  text

The online loan owes a few thousand pieces, will the collection really come to the door?

Time: 2018-06-28         Source: Ring Man         Author: quit line and Man

Today, I want to talk to you about a person that every brother will meet - collection.

Of course, if you have been repaying on time and never overdue, then you have no chance to deal with this group (this must be a good thing).

Speaking of collection, each network lending platform has different collection methods. At present, most of the collections are by telephone bombing, SMS bombing, and violent collection. I believe many borrowers have already encountered or are facing the threat of such collection.


If you owe a few thousand dollars, will the collection of online loans really come to the door?

The first thing to say is that it is not impossible to collect the door if it is seriously overdue. But there are several characteristics:

The amount is generally not too small

Communication is fruitless or bad when dunning

Overdue time is too long.

Therefore, if there is only one or two thousand overdue debts, the basic daily phone calls, text messages, and WeChat remind you to pay back. At this time, don't ignore it, keep good communication!

At some point, the communication atmosphere is OK, just negotiate with him, maybe you can apply for repayment discounts, such as appropriate interest reduction, it is definitely good for you. (Do not believe that only the principal is paid off) It is not impossible, but the chances are small.

The collection of the real door-to-door is basically not the staff of the online lending institution. If you actually come to the door later, this means that your loan information has been transferred to the "third-party collection company."

At this time, the most sensible approach must also first indicate your willingness to repay, not a malicious overdraft, but it is really incapable of repaying. This is very important.

In addition, even if you are really on the door, you don't have to be too scared. As long as he makes any illegal behavior, you can alarm to protect the rights of yourself and your family! Of course, you should never take the initiative to provoke conflicts. You can talk as well as you can, and any impulsive behavior is negative for yourself and your family.


What is the most sensible way to cope with the collection?

If you are unable to repay, you will face overdue

I suggest that you let go of everything and confess with your family. Find friends and relatives to pay off your debts first, so as to avoid the impact of credit investigation. If this method does not work, you can find out whether there is a low-interest, long-term loan suitable for you, and all kinds of small loans. I have to pay back, and I am doing a proper repayment plan and gradually pulling myself ashore.

If you have been overdue for a few days, the collection has found you.

After receiving the call from the recipient, you first ask him for the job number and then tell him. Now talk to you to record the whole process, and then continue to talk.

Explain that you have a good willingness to repay, and are willing to communicate and coordinate to make a repayment plan that everyone accepts.

This repayment plan should be made according to the actual situation, not what he said. Even if you go to the court, you lose the case, and the court's executive court will consider the situation comprehensively.

Secondly, if the collection interferes with your normal life and work, etc.: You can collect relevant evidence to complain to the CBRC or report to the public security organ, and the court will sue if necessary!

Now they are saying that "civilization collects money, and it is necessary to pay according to law." If their actions are not standardized, the court will not help him. They naturally cannot go that step.

Remind you that online lending is risky and you need to be cautious when borrowing money.


[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to:

Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
you may also like
  • Online loans owe thousands of dollars, will someone really pick up the door?  Many people who have borrowed overdue for a long time will hear the reminder on the phone saying that they will pick up the door and even sue. If the online loan owes a few thousand pieces, will someone really pick it up? First of all, if the overdue is serious and the amount of funds is relatively large, the door-to-door collection is...
  • I owe a few thousand online loans, and the other party actually wants to collect the goods?  There have been a lot of netizens who often send messages to Pastoral in the message and backstage to ask questions about overdue and collection. I will give you an answer today. I owe a few thousand dollars to the online loan, will it be violently collected at home? The possibility of owing thousands of door-to-door collections is relatively small. After all, there are also...
  • I owe a few thousand dollars to the online loan. Will the collection be attended?  Speaking of collection, as long as the online loan has overdue people, they basically hate them. Of course, if you have been paying back on time, then you certainly have no chance to experience the power of a violent collection. The usual use of the collection is the phone bombing, SMS group sending, P map,...
  • I owe a few thousand dollars to the Internet, and I am reminded that I will not go home again. Is it true?  Speaking of violent collection, as long as people who have overdue online loans, they hate them. Of course, if you have been paying back on time, then you certainly have no chance to experience the power of a violent collection. The usual use of the collection is the phone bombing, SMS grouping, and some still...
  • I owe a lot of online loans, how can I let the collection not harass me?  The most objectionable to all borrowers is not the platform, but the collection. In particular, there is no collection of the bottom line, sending false and dirty messages to contacts, leaking personal information of lenders everywhere, threatening intimidation, etc. So is there anything that can be collected without harassing yourself and friends? First small...