1. The reason why you don't answer the phone because you owe the online loan may be to temporarily avoid the collection behavior of the collector. Some people may feel depressed, stressed, or looking for a solution to the debt problem. Therefore, they may choose not to answer the phone to get some breathing space.
2. Not answering the phone may be dissatisfied with the collection method. Some collection agencies may use excessive or infringing personal rights to collect money, which makes borrowers unwilling to answer the phone. In this case, the borrower can choose to defend his rights and take measures not to answer the phone.
However, not answering the phone can't solve the problem, it's just a temporary way to escape. Default may also lead to more serious consequences, such as damage to credit records and legal proceedings. Borrowers should actively face the problem of arrears, negotiate with creditors to formulate a reasonable repayment plan and solve the arrears as soon as possible.
4. It's not appropriate for the IOUs not to answer the phone, because according to the Contract Law of People's Republic of China (PRC), all parties who sign the contract have the obligation to fulfill their contractual obligations. If the borrower fails to fulfill the repayment obligation, the creditor has the right to take legal measures to recover the arrears.
Extended data:
-If you don't answer the phone, the collector may take other ways to collect the loan, such as texting, door-to-door collection, and contacting relatives and friends.
-In China, default may affect an individual's credit record, which will have a negative impact on his future credit rating and application for other loans.
-The borrower can actively negotiate the repayment plan with the creditor to seek a reasonable solution to avoid further deterioration of the financial situation.
-You can ask relevant departments or consumer rights organizations for help and get more help and suggestions.