1. How do lawyers charge for legal negotiation and repayment?
1. Appointment for lawyer consultation: legal consultation on creditor's rights and debts.
Charging standard: the law firm charges RMB 200 yuan per hour for interviews; The hourly fee for the interview at the designated place in Shanghai is RMB 500 yuan (reminder: please make an appointment for consultation in advance, 1 hour or less 1 hour).
2. General agency fees
Pay the lawyer's fee for the debt in advance, and all the money recovered shall be owned by the creditor; The actual expenses incurred in the process of debt collection shall be settled according to the facts, including: investigation fees, evidence collection fees, litigation or arbitration fees in the first and second instance, execution fees, industrial and commercial fees, transportation and accommodation fees, etc. ;
3. Semi-risk cost:
The creditor pays part of the service fee in advance and a small part of the recovered money afterwards (10%-50%); The actual expenses incurred in the process of debt collection shall be settled according to the facts, including: investigation fees, evidence collection fees, litigation or arbitration fees in the first and second instance, execution fees, industrial and commercial fees, transportation and accommodation fees, etc. ;
4. All-risk expenses:
Creditors do not pay any fees, but pay a higher proportion (20%-50%) of the recovery;
Scope of application: customers have accumulated a large number of accounts receivable over the years, and there are a large number of debtors, which are distributed in different provinces, with different years of arrears and different difficulties in clearing debts.
Second, how to negotiate overdue debts?
1, pay attention to the collection phone.
After the overdue period exceeds a certain period, the bank will outsource the collection task to a professional collection company, which will collect it. Now the collection is basically outsourced to a third-party collection company. No matter how the other party collects the money, it is impossible to transfer a collection company. There is no need to negotiate with them, they just want to recover the arrears and complete the task! It doesn't mean the bank. Negotiations can only be made with the bank. Repayment must also be returned to the designated account of the bank. In the face of collection, it is not easy to avoid it blindly, but also to accept it appropriately, otherwise the collection will intensify.
2. Pay off debts and take the initiative.
Before you pay off your debts, sort out your debts, including the platform, how much you owe, interest, etc. After the calculation, combine your income and the necessary monthly expenses to see how much money you can change each month. You must control it, otherwise the overdue collection and interest of the second phase will be heavier. It will be more difficult to negotiate again.
3. Friendly negotiation
If it is a credit card, take the initiative to contact the issuing bank and tell yourself that you are willing to repay, but for some special reasons, you can't pay it off at one time! Because the debtor can't afford the current debt. I want to apply for personalized installment repayment. And tell yourself how many installments you can afford, so that the bank can register well and the debtor can ask for the customer number. Then wait for the bank's reply. (the reason can't be made up, you may have to prove it! Remember, attitude is important! )
4. Wait for the result after negotiation.
After the negotiation, the bank will give the debtor a result, and the debtor will reply whether the debtor can pay by installment. If the debtor needs auxiliary materials, the debtor can basically provide supporting materials. After passing, sign a personalized installment repayment agreement. Some banks are electronic contracts (banks will record them), and debtors can also record them themselves. Some people need to sign offline. After signing, repay the loan as agreed.
After the debt is overdue, the debtor can choose to negotiate with the creditor on his own initiative or borrow money from others to repay the debt first. In any case, the debtor must bear the debt repayment responsibility. If the creditor brings a lawsuit to the people's court, the debtor can of course hire a lawyer to help him deal with the dispute over creditor's rights and debts.