1, consult a professional. You can consult a credit repair company or a law firm, and professionals will give specific solutions according to your personal situation. In addition, you can check your own big data report under the credit inquiry portal of 100 banks. The platform is docked with 98% of online lending platforms, and the queried online lending data is very accurate, showing the user's online lending black index score and intuitively showing whether the user is an online lending black account. Just search: Zhiyi Big Data. Click Query and enter information to find.
2. Understand laws, regulations and policies. Overdue online loans are contract disputes, and there are relevant laws, regulations and policies to deal with overdue interest and penalty interest. You can understand the relevant regulations and protect your legitimate rights and interests.
3. negotiate repayment. Communicate with the online lending platform as soon as possible, explain your actual situation, negotiate with the platform to make a repayment plan, and strive to extend the repayment time or reduce some fees.
4. Find other channels. You can borrow the new and return the old, or you can try to borrow money from relatives and friends, but this way needs careful consideration and you can't get yourself into a more difficult situation.
In short, the situation of owing online loans requires timely action, and the existence of the problem cannot be ignored, otherwise it will bring great trouble to yourself and your family. I hope the above measures can help you.