If the credit card is overdue for a long time, it is indeed possible for the bank to contact the law firm for collection after several times. Therefore, there are indeed cases where lawyers call to urge cardholders to repay as soon as possible. In addition, the bank may also package it to a third-party collection company, and special collection personnel will collect it. And if the bank refuses to repay after repeated collection, the bank has the right to do so. Of course, banks will not do this unless they have to. Article 196 of the Criminal Law of People's Republic of China (PRC) commits one of the following acts, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) using a forged credit card; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
What if the credit card arrears law firm calls me?
After the law firm calls to urge the credit card to be returned, it should contact the issuing bank in time and repay it in installments after consultation. Long-term non-repayment of credit cards is a violation of criminal law and will be investigated for criminal responsibility, but it needs to reach a certain amount and time. According to the above, those who do not meet the conditions of malicious overdraft of credit cards will not go to jail. However, the issuing bank will be blacklisted for its failure to repay the credit card.
How much is the overdue lawyer's fee for credit card?
For property cases, according to the amount or price of the litigation request, the credit card litigation fee shall be paid in installments according to the following proportion:
1. If the price does not exceed 10000 yuan, each piece shall be paid to 50 yuan. 2. For the part exceeding10,000 yuan to10,000 yuan, press.
2.5% pays 3. 2% will pay 4 for the part exceeding 6,543,800 yuan to 200,000 yuan. More than 200 thousand yuan to 500 thousand yuan, according to
1.5% pays 500,000 yuan to 1 10,000 yuan, 1% pays 1 10,000 yuan, 0.9% pays 72 million yuan to 5 million yuan, and 0.8% pays 8. Pay 0.7% for the part exceeding 6,543,800 yuan to 20 million yuan, 0.6% for the part exceeding 20 million yuan, and 0.5% for the part exceeding 20 million yuan.
Legal basis:
Article 25 of the Lawyers Law of People's Republic of China (PRC) * * * lawyers shall be entrusted by the law firm, sign a written entrustment contract with the client, collect fees in accordance with state regulations, and record them truthfully. Law firms and lawyers shall pay taxes according to law.
How much is it to hire a lawyer for overdue credit cards?
) does not involve property relations: 2000-30000 yuan/piece.
Up and down fluctuation range: 20%
But the cost is less than 2000 yuan, according to 2000 yuan.
(two) involving property relations, the disputed subject matter shall be levied at the following rates:
tender prices
6% of the part below 65438+ 10,000 yuan (including 65438+ 10,000 yuan)
10-5% of 500,000 yuan (including 500,000 yuan)
50- 1 ten thousand yuan (including 1 ten thousand yuan) 4%
1-5 million yuan (including 5 million yuan) 3%
500-100000 yuan (including100000 yuan) 2%
65438+50 million yuan (including 50 million yuan) 1%
50 million yuan or more is 0.5%.
Up and down fluctuation range: 20%
But the cumulative cost is less than 2000 yuan, according to 2000 yuan.
(3) Time charging
1. Charging standard: 200 yuan-2,000 yuan per hour. The law firm and the client shall agree on the hourly charging standard and settlement method within the above range.
2. Up and down fluctuation range: 20%
(four) increase the number of counterclaims, counterclaims can be reduced according to the above standards.
(five) the case sent back for retrial, handled by the original lawyer, can be reduced or exempted according to the original fee standard.
(6) Risk agency fee
The maximum agency fee shall not be higher than 950% of the amount of the subject matter agreed in the contract, except for legal services with market-regulated prices.
Credit card overdue lawyer sends a lawyer's letter at home, right?
Maybe, but sending a lawyer's letter to your door is more about urging customers to repay.
After the credit card is overdue, it may not be accepted for the lawyer to send a lawyer's letter to the door, because the lawyer's letter is only a legal document. Its main purpose is to remind and urge customers to repay loans and fulfill their obligations as soon as possible. I also want to play a deterrent role to customers, telling customers in disguise that if you continue to overdue the loan, ordinary people may be punished by law.
Most of the lawyer's letters received after the credit card is overdue are mailed to the door by the credit card center. If a lawyer sends a letter to your door, don't panic too much. This is not a prelude. As long as it is received normally, you can explain the reasons for the arrears to the lawyer and show your attitude. You should pay back the arrears as soon as possible, but you have no money for the time being, and you should get a grace period of three months. If the repayment cannot be continued after three months overdue, the lawyer may send a reminder letter to the door, and repeated collection may be fruitless.
After the credit card is overdue, it is still a normal collection process for lawyers to send lawyers to collect it. Customers don't have to worry too much, and they won't go directly. They just remind you that you should repay the loan, and they will publicize the legal provisions on what will happen if you don't repay the loan. For example, if you don't repay the loan, the bank will pay directly, and you will face a sentence, go to jail or become a deadbeat, which will also affect your children. Under their shock, most customers will repay the loan as soon as possible.
It does not mean that the bank will send a lawyer's letter to the door after the credit card is overdue, because at this time, the bank feels that its rights and interests have been damaged and has the right to send a lawyer's letter to the other party to warn the other party, just to remind customers. If the bank really wants to, it will not send a lawyer's letter to the door, but directly issue a subpoena. After receiving the summons, you must actively respond to the lawsuit and appeal for your legitimate rights and interests, otherwise you will be tried in absentia, which is particularly unfavorable to you.
Is it useful to find a lawyer when the credit card is overdue?
Legal analysis: Is it useful to find a lawyer when the credit card is overdue? It depends. In general, if you suspect that your credit card is in arrears, you can communicate with the bank first, and you can pay less if you agree. If there is malicious overdraft of credit cards, the cardholder uses two credit cards for activities, and the larger amount constitutes a crime. In this case, it is of little use to find a lawyer. It is suggested that the credit card should not be overdue as much as possible.
Legal basis: People's Republic of China (PRC) Criminal Law Amendment 1. One article is added after Article 177 of the Criminal Law as one of Article 177: "Whoever obstructs the management of credit cards under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan: "(1) Holding and transporting a forged credit card knowingly, or holding and transporting a forged blank credit card knowingly, with a relatively large amount; "(2) Illegally holding another person's credit card in a large number;" (3) using false identification to defraud credit cards; (4) Whoever sells, buys or provides forged credit cards to others or steals, buys or illegally provides credit card information of others by fraudulent means shall be punished in accordance with the provisions of the preceding paragraph. "Any staff member of a bank or other financial institution who commits the crime mentioned in the second paragraph by taking advantage of his position shall be given a heavier punishment."
This concludes the introduction of credit card arrears lawyers and credit card arrears lawyers. I wonder if you found the information you need from it?