1. Negotiate repayment again: actively communicate with the collection party, explain the bankruptcy of CreditEase, and propose a reasonable repayment plan. The collection party will usually negotiate with the borrower to make repayment arrangements again to reduce the burden on the borrower.
2. Seek legal aid: If you can't reach an agreement with the collection party, you can consult the legal aid agency to provide relevant evidence and safeguard your legitimate rights and interests. These institutions can provide advice and help according to law to help borrowers solve debt problems.
3. Understand the collapse of the platform: timely understand the specific circumstances of the collapse of CreditEase, including platform announcements and media reports.
4. Establish contact with other investors: * * Think and take action to safeguard your rights and interests.
5. Recover the arrears through legal channels: If the investor fails to repay the principal and interest of his investment in CreditEase, he can ask for a refund through legal channels, and usually he needs to bring a lawsuit to the court to recover the arrears through legal judgment.
6. Report to the relevant departments: You can report to the relevant departments and ask for the recovery of investment. The regulatory authorities have the responsibility to supervise the operation of the online lending industry, including investigating the closed online lending companies.
7. Participate in the bankruptcy liquidation procedure: As a creditor, you can participate in the distribution according to your own equity ratio in CreditEase.
8. Protect personal credit records: If illegal fund-raising is involved, it can be handled by the police, and the police can trace it after filing a case to reduce losses. If it is a formal financial management, the financial management contract is not illegal, and the depositor's money is within the legal scope and cannot be recovered. If it is a purchased wealth management product, if negotiation fails, it can be resolved through litigation.