Violent collection, is it true.

The short message of foreign visit notification is fake. generally not. This is just a means to collect the company, and its purpose is to use the debtor's fear to force the debtor to repay the loan in advance. The country now explicitly prohibits violent collection. You just need to save the short message. If necessary, you can call 12378 to report to the banking supervisor, and they will be honest. However, you still have to pay back the money. Work hard and get ashore as soon as possible.

in addition, there is no such thing as leaving a record in civil litigation caused by arrears disputes, and leaving a record generally exists in criminal cases. It's just that after the court makes an effective judgment, you still can't perform it. The other party may apply for enforcement, and the court may take enforcement measures such as freezing property and including it in the list of people who have lost their trust.

The online loan collection process is mainly divided into the following stages:

1. Early overdue: within one week after overdue, the debtor will receive text messages and phone calls from the online loan platform continuously. If your mobile phone is on, he will call you all the time, but the tone is not so strong, and he will gently advise you to repay as soon as possible, otherwise there will be some adverse effects, such as high overdue fees, affecting personal credit information and so on.

2. Mid-overdue period: within 1-3 months after the overdue period, the collection efforts of the online loan platform will increase a lot. Some collection personnel will add the debtor's WeChat, directly treat the debtor with threats, insults and other attitudes, and inform your relatives and friends in the address book that you are a debtor, so that friends around you will know that you are a debtor.

3. Late overdue period: overdue for more than half a year will have two consequences. One is that the online lending platform does not urge, making this account a bad debt and a bad debt. Another consequence is to package your debt to a third-party collection company. It is said that their means of collection will be even more ruthless, and the possibility of home recovery is not ruled out.

to sum up, the intensive collection of most online lending platforms will be concentrated within half a year, and it will be difficult to overcome it after half a year. However, the consequences of overdue online loans can not only be violent collection, but also cause the borrower's reputation to be damaged, and he can't enjoy basic credit services, and he can't get credit products with good personal credit when he encounters emergency capital turnover again in the future.