The first step is to stop all loans and seek the understanding and help of your family. Don't use loans to support loans, which will only make online loans more and more, and all platforms will be overdue.
The second step is to understand your dishonesty and try to repay the loan. Check your credit through the credit information center to find out which online loans have entered the credit information system and which ones have not, so as to give priority to repayment. More importantly, find a job and work hard to make money, negotiate with banks or lending institutions, extend the repayment period or return it in installments.
The third step is to collect rational responses in the face of profiteering. Send a statement in the circle of friends in advance to explain that you are suffering from profiteering collection, apologize for the possible harassment of everyone, and suggest that you hang up these ridiculous phones, leave new ones for everyone, and reduce the use of old phone numbers.
Extended data
1. How to negotiate repayment of overdue online loans?
1. Take the initiative to negotiate and repay: Don't wait for the overdue dunning of online loans to come before you want to negotiate. You can take the initiative to contact customer service to negotiate repayment before the deadline, give a grace period or directly reduce interest. If the customer service disagrees, you can call several times.
2. Be affectionate and sincere: When communicating with the collection staff, you need to be sincere. Don't just say that you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.
3. Be reasonable and keep evidence: If there are irregularities such as membership fees and audit fees in online loans, or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge and negotiate, pay due attention to your words, and don't use language violence.
Second, the nature of the website, the consequences of non-repayment of online loans:
1, formal online loan. Everyone is familiar with formal online loans, such as Alipay. The interest rate is slightly higher than that of banks or similar to that of banks, and all of them are qualified to lend. In the face of this part of the online loan not being repaid, the first thing to face is being collected; Secondly, the credit information will turn black; In the end, it may be confiscated or prosecuted at home.
2. Informal online loans. This kind of online loan is very common, and its typical characteristics are high interest, upfront fee, membership fee, short loan period and terrible collection. At least 98% of cash loans are not compliant! IOUs, 7 14 micro loans, cash loans, etc. You can hardly find one that fully meets the national regulations. If this part of the online loan is not returned, the online loan company will lose a lot and there will be no other legal consequences!
Formal in name, but informal in fact. Usually online lending platforms, such as Nine X and Pai X, etc. Most of them belong to p2p, and claim to be compliant for qualification reasons. However, its actual operation is on the edge of the law, and there are irregularities in many places.
This part of the online loan is not returned, and the worst result is to face litigation! Their purpose is whether you will continue to repay the loan and pay high interest. They don't want to take legal measures. Therefore, for this kind of online loan, the best way is to pay back the money once it is violently urged, so that you can effectively avoid excessive interest.
So no matter what angle we look at the problem of online lending, there are many risks. It is still recommended that you consume rationally and lend money in principle.