Hello, I made a loan with Jiufu. Now their company has gone bankrupt. Do I still need to repay it?

Repayment is required, and late repayment will affect personal credit.

1. Several stages of overdue online loans

The first stage, overdue from 1 day to 60 days

Overdue from 1 to 30 days, the head office will send reminders by phone, attitude Fairly acceptable, basically no door-to-door visits, threats of door-to-door visits, temptation to open a card, and low deductions and exemptions. This period belongs to the initial collection stage. It is easiest to put pressure on users during this period because the time is relatively short and there are many This is also the first time that a person has exceeded the deadline, so the fear of the law in his heart still plays a certain role in restraining him. Many people who are overdue are very scared during this period. Collection officers will not quarrel with each other at this time, but it is not ruled out that a small number of online loan platforms will directly start violent collection. If the money is not repaid at this time, it will enter the second stage.

2. Overdue for 31-60 days, the branch is located in the branch or outsourced to a third-party company. Aggressive attitudes, high probability of visits, threats of prosecution, and temptations of reductions and exemptions. Customers who are overdue at this stage are generally facing financial problems. After the initial collection, the collection attitude becomes tough, usually aggressive, and they use harsh words. Collections are often threatened with on-site investigations, legal proceedings, and Section 193. In addition, the law is randomly spread, and if the principal is less than 50,000, it must be said that reserve funds, interest, and liquidated damages also count as principal. Some debt collectors have even begun to pretend to be public prosecutor lawyers to collect debts. If there is no repayment, the third stage will usually be entered.

3. If the debt is overdue for 61-180 days, third-party collection or law firm collection will be outsourced, and the case will be filed and the case file will be sent as a threat. False installment, this time period is the "golden time" for collection, which is what everyone calls "violent collection". If you enter this time period, you will receive countless collection calls, not only from yourself, but also from your own communication The people in the recording will also be affected one after another. In addition, various counterfeit lawyer letters, etc. will appear, and even information from various agencies will be forged. Moreover, this kind of forgery accounts for the majority. The reason is very simple. Even if your credit card is overdue, you will definitely get a credit report. However, many online loan platforms are non-compliant, especially the various routine loan platforms. They do not have the authority to ask you for a credit report. This does not mean that you don’t have to pay back the money. As the same saying goes, paying back debts is a matter of course.