1. How do lawyers charge for overdue online loans?
Lawyers who specialize in handling overdue online loans are not less than 20,000 yuan. Cases that do not involve property shall be collected through negotiation between 6000- 100000 yuan according to the nature, complexity and time required for work; If foreign-related civil, economic and administrative cases do not involve property, the agency fee shall not be less than 20,000 yuan.
If the online loan is overdue, it will bear a high overdue fee. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.
At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.
Second, where can I find online loans if I can't afford to be sued?
You can go to the court to inquire. If you are really sued, the court has filed a case and will receive a subpoena from the court. If the online loan is overdue, you can go through the formalities of deferred repayment. If the payment is not made in accordance with the agreement on postponement or installment payment, the creditor may apply for enforcement. When the borrower does not cooperate and has a bad attitude, it will generally be handed over to a special collection agency, which will bomb the debtor by phone or dunning phone. As long as the party receiving the money does not harm the debtor or damage the debtor's house, it is legal. After the online loan is overdue, the debtor should communicate with the creditor first. If the communication fails, the debtor should repay as soon as possible.
Overdue online loans generally do not go to jail. Because this is a civil dispute. However, if there are malicious evasion of debts and intentional loan fraud, it may constitute loan fraud and loan fraud; If the circumstances are serious, it constitutes a crime of refusing to execute the judgment or ruling and needs imprisonment.
According to the relevant laws and regulations, if a bank or other financial institution obtains a loan by deception, causing heavy losses to the bank or other financial institution or other serious circumstances, in any of the following circumstances, it will defraud the bank or other financial institution of a loan for the purpose of illegal possession, and the amount is large, which constitutes the crime of loan fraud, and criminal responsibility needs to be investigated and sentenced to fixed-term imprisonment.
It takes 20,000 yuan for a lawyer to handle overdue online loans. If you owe an online loan and have not been sued, you can go to the local court to inquire. To apply for online loan, you need to provide the lender's ID card, bank card and valid mobile phone number, as well as prepare the lender's work information and income certificate. After accepting the loan, the lending institution shall conduct an audit, communicate with the lender, clarify the loan matters and sign a loan agreement.