I won't go to jail, this is a civil debt dispute, and there is no criminal responsibility from beginning to end. As long as you don't owe the bank credit card debt and there are no other cases involving punishment, there is no imprisonment.
It is civil for you to owe a loan, and imprisonment is a criminal punishment. These are two different things. Besides, it is useless for them to send a lawyer's letter. If the amount is small, there is no civil lawsuit, which is not enough for litigation costs. They mainly call for collection.
Is it serious for online loans to receive lawyers' letters overdue?
The consequences of a lawyer's letter are more serious. The lawyer's letter is the legal evaluation and other information sent by the other party before the formal prosecution. The recipient will not be prosecuted for completing the legal responsibilities as required, but will be prosecuted for failing to complete or refusing to complete the legal responsibilities as required. A lawyer's letter only represents a statement, not a court approval. If the client and lawyer use their powers to forge or forge a lawyer's letter to the victim, it is illegal and criminal. When the victim is intimidated, threatened, lost, etc. He should call the police and hold the parties and lawyers accountable.
Article 125 of the Civil Procedure Law of People's Republic of China (PRC), the people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receipt. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense. If the defendant fails to submit the defense, it will not affect the trial of the people's court.
Gitzo's 10,000 loan is three years overdue. What if I have sent a lawyer's letter? Will I go to jail?
I won't go to jail, no matter how long it is overdue, I won't go to jail even if I don't pay it back. Because you are a civil debt, imprisonment is a criminal punishment-how can a civil debt like you lead to a criminal punishment? It doesn't exist.
Saying "not yet" downstairs is a lack of basic legal knowledge.
Of course, it is natural to pay back debts; But you ask, "Will you go to jail?" The answer is no, people's debts are not criminally responsible.
What should I do if I receive a lawyer's letter from Gitzo Loan?
First of all, you need to further verify the authenticity of the lawyer's letter, and second, you need to actively repay it.
Gitzo loan is an online loan. Although Gitzo is relatively formal, the interest rate of Gitzo's products is very high, even reaching the level of usury. I suggest you check your loan interest first. You don't need to repay more than 35% interest, you need to take the initiative to repay the arrears. As for your question about the lawyer's letter, I will answer it in detail through the following points.
First, this lawyer's letter may not be true.
The reason is actually very simple. Nowadays, many small loan companies will send professional collectors, who will increase the psychological pressure on borrowers through various means, and the so-called lawyer's letter is one of them. In other words, this is just a collection method, and it doesn't need to be too serious. If the overdue amount is large and the overdue time is long, it is necessary to reconsider the authenticity of the lawyer's letter at this time.
Second, malicious overdue may indeed receive a letter from a lawyer.
One of the criteria for malicious overdue is the maximum amount, and the other is that the overdue time is particularly long. If your overdue amount has exceeded 30,000 yuan and the overdue time has exceeded 6 months, a lending institution will indeed take you to court. But for those users whose loan amount is not very high, these so-called lawyer letters are probably just a scam.
Third, you need to actively repay the arrears.
Whether this lawyer's letter is true or not, you need to actively repay the arrears. Gitzo's installment loan to the bank for credit investigation means that your overdue behavior has been reflected in the credit investigation. Now is the credit society, a person's personal credit will affect all aspects of life, I suggest you cherish personal credit and don't do anything that hurts personal credit. Not only that, a large number of malicious overdue will also make you bear legal responsibility, and then it will not be worth the candle.
To sum up, you should actively pay off your debts and don't borrow such online loan products in the future.