First of all, when collecting overdue payments, consumer finance companies usually take a series of internal collection measures, such as telephone collection, SMS collection, letter collection, or submit overdue customer information to professional collection agencies. The collection agency will take various measures such as door-to-door collection and legal proceedings to recover overdue funds.
Secondly, the Social Security Bureau and the Industrial and Commercial Bureau do not participate in the collection of personal debts. The Social Security Bureau is mainly responsible for the management and services related to social insurance, and the Industrial and Commercial Bureau is mainly responsible for the management and supervision of the market economy. The Social Security Bureau and the Industrial and Commercial Bureau have no responsibility and power to collect overdue personal consumption finance.
To sum up, the overdue payment of consumer finance will not require the Social Security Industry and Commerce Bureau to cooperate with the collection. Collection is mainly carried out by consumer finance companies or their entrusted collection agencies, and they will take corresponding collection measures according to relevant laws, regulations and contract provisions. If it is a legal case involving consumer financial disputes, it can be solved through legal channels.
Extended data
Overdue repayment in consumer finance refers to the situation that individuals fail to repay in full or at the agreed time after borrowing from consumer financial institutions (such as banks and small loan companies). Overdue consumer finance will affect personal credit records and may lead to debt disputes.
Collection refers to a series of actions taken by creditors to recover debts. Collection methods generally include telephone collection, SMS collection, door-to-door collection and lawyer's letter collection. In the process of collection, creditors or collection agencies must operate in accordance with the restrictions and norms of relevant laws, regulations and industry norms.
For consumers who have overdue repayment, they can actively communicate with creditors or collection agencies and negotiate a repayment plan to avoid further deterioration of the debt situation. At the same time, consumers should know their rights and obligations, protect their legitimate rights and interests and avoid falling into greater economic difficulties.
Supplementary information: In some extreme cases, if the overdue payment of consumer finance reaches a certain level and cannot be solved, creditors can recover the arrears through legal proceedings. In this case, the court will intervene, but the collection at this time no longer involves the cooperation of the social security industry and commerce bureau and other departments.