For claims that have expired within the statute of limitations, the creditor issues a debt collection letter to the debtor. Although the debtor has signed for the debt but has not signed the debt collection letter, it only means that he has received the debt collection letter. , the legal consequences of re-confirmation of the original debt cannot occur.

If you do not repay the online loan in time after receiving an overdue online loan collection letter, you will be sued by the online loan platform. After the online loan is overdue, the online loan platform’s collection methods include:

1 , SMS notification: for borrowers who are overdue for less than one week;

2. Telephone inquiry: when the overdue borrower is about one week overdue, the overdue person will receive a collection call;

3. Door-to-door collection : This method of collection is costly and is generally targeted at debtors with large loan amounts and long overdue periods;

4. Mail a lawyer’s letter or a reminder notice to the borrower’s residence;

5. Mail the court summons for prosecution.

What are the legal consequences of overdue online loans?

1. Debt collection. Online loan platforms will entrust relevant institutions to collect debts from debtors;

2. Be included in the list of dishonest persons.

3. The property is frozen and seized. Bank deposits will be frozen, and houses and cars under your name will be seized.

4. Bear high interest rates. Failure to repay online loans overdue will only lead to higher and higher interest rates, and eventually you will bear high interest rates.

3. How to file a lawsuit if you refuse to repay an online loan after receiving a collection letter?

1. Write a civil complaint, stating your name, gender, age, ethnicity, occupation, and work unit , address, contact information and other information;

2. Prepare copies of the identity cards of the original and defendant parties;

3. Prepare relevant evidence materials to prove the existence of the dispute;

4. File a lawsuit with the people's court with jurisdiction.

IV. Under what circumstances is a refusal to repay an online loan suspected of being a crime of refusal to enforce the law?

(1) Refusing to report or falsely reporting property status, violating the People’s Court’s restrictions on high consumption and related Refusal to execute consumption orders and other acts, and still refuse to execute after taking compulsory measures such as fines or detention;

(2) Forging or destroying important evidence about the person subject to execution's ability to perform, using violence or threats , using bribery methods to prevent others from testifying, or instigating, bribing, or coercing others into giving false testimony, preventing the people's court from ascertaining the property status of the person subject to execution, making the judgment or ruling unenforceable;

(3) Refusal to deliver The property and bills specified in the legal document are to be delivered, or the refusal to move out of the house or land makes the judgment or ruling unenforceable;

(4) Collusion with others, through false litigation, false arbitration, false settlement, etc. Impeding execution in a manner that renders judgments and rulings unable to be executed;

(5) Using violence or threats to prevent execution personnel from entering the execution site or gathering crowds to make noise or attacking the execution site, rendering execution work impossible;

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(6) Insulting, besieging, detaining, and beating execution personnel, making it impossible to carry out execution work;

(7) Damaging or snatching execution case materials, official execution vehicles and other execution personnel Equipment, execution personnel's clothing and official execution certificates make it impossible to carry out execution work;

(8) Refusal to execute court judgments and rulings, causing creditors to suffer heavy losses.

I hope the above content will be helpful to you. If you still have any questions, please consult a professional lawyer.

Legal basis: The "Reply of the Supreme People's Court on the Legal Effect of the Borrower's Signature or Seal on the Collection Notice after the Limitation Period of Action" stipulates:

"For debts exceeding the statute of limitations, During the statute of limitations, if the credit union issues a notice to the borrower to collect the overdue loan, and the debtor signs or seals the notice, it shall be regarded as a re-confirmation of the original debt, and the creditor-debtor relationship shall be protected by law.

” This approval confirms the legal effect of the debtor’s signature (signature or seal) on the creditor’s reminder notice after the expiration of the statute of limitations, which means that the debtor’s signature is a re-confirmation of the original debt. "Reconfirmation of the original debt" means:

(1) The reminder notice issued by the creditor to the debtor clearly calls for the due amount;

(2) The debtor signs or seals the reminder notice instead of just signing the reminder notice;

(3) The debtor has the subjective desire or objective behavior to continue to perform the debt.

If the creditor issues a debt collection letter to the debtor for a claim that has expired within the statute of limitations, and the debtor has signed for it but has not signed the debt collection letter, it only means that he has received the debt collection letter. , and has no other legal meaning.

It is completely different from the signature or seal of the debtor on the reminder notice in the above approval. It cannot be presumed that the debtor has expressed intention to repay the debt that has expired, and no legal reaffirmation of the original debt can occur. as a result of.