The online loan is overdue. If you have paid five social insurances and one housing fund after working, can the debt collector use these to find your workplace?

First of all, it must be clear that online lending institutions do not have the right to check your personal information. If an online lending institution inquires about your address book, work unit, etc. and other personal and private information, it is actually illegal. In other words, you need to have a clear concept. If an online lending institution finds your workplace and threatens or harasses you, etc., then you need to call the police to collect evidence for later rights protection.

Of course, if you are overdue and an online lending institution sues you and has entered the litigation stage, then the court can verify your personal account and five insurances and one housing fund. Therefore, once an online lending institution sues you and enters the enforcement stage, it is very likely that as soon as your salary is paid in the future, your account will be emptied to repay the debt. There is no need to have any illusions about this. This situation is It's bound to happen. Of course, you can rest assured that as long as it does not enter the litigation stage, online lending institutions have no right to inquire about your personal account. Repayment

In fact, it is easy to borrow and repay, but if the online loan is overdue, if it is a regular online loan, your personal credit will be lost if you refuse to repay. And now some large companies will also check an individual's credit report when recruiting. If you have bad credit, you won't be able to find a very good job. Therefore, if an online loan is overdue, you must find ways to repay it, or actively negotiate for repayment, and cannot lose contact. If the collection agents have been unable to contact you, then it will be deemed that you have maliciously failed to repay, and they will also sue the law to protect their legitimate rights and interests. Generally speaking, after being sued, if you are unable to repay the money, then you will be put on the credit blacklist, which will have a considerable impact on you.

Communication

In fact, after you find a job, you may wish to communicate with the collection staff of online loans and express that you are about to start a new job. After you have the salary, you can repay the loan on time and request installments. payment. In this case, most online loan collection agents will consider your opinion. After all, they also want to recover the money.

If your online loan is overdue, and you have paid five social insurances and one housing fund after working, even if you can trace your work unit through these, there is a high probability that they will not dare to collect illegally, so you don’t have to worry about this.