After the due date, the thing I fear most is the phone call.

I may never forget the time when I was overdue.

From the first day, from 8 am to 8 pm, he greeted me, my family and friends all day long. He used all kinds of tricks, all kinds of messages, all kinds of threats and threats.

I answered a few calls at first, but then I realized that answering the phone didn’t solve the problem.

Because different platforms will have different people contacting them, and if several platforms are overdue, there will be a lot of calls, dozens or even hundreds of calls a day is standard.

If you spend all your time answering phone calls, it will affect your work and your mood.

After answering several calls, I chose not to answer and muted the call.

From that time on, I didn’t expect that the silence would last for three months.

The reason why I didn't answer was that I understood Xiao Cui's ultimate goal.

And I, for the time being, do not have the ability to achieve what he wants.

One party wants money and the other party has no money. No matter how much you say on the phone or how good the attitude is, it is useless and there is no solution.

The ultimate goal of the non-stop phone calls is to get you to pay back the money you owe. When you pay back the money, they complete the performance target and get the commission or bonus they deserve.

As long as you don't pay back the money, the phone will not stop calling!

It has nothing to do with how much you owe!

They will ask you a variety of questions on the phone, and each question is specifically asked to put pressure on you or trick you. Here I share with you two of the most common questions. Let's see how you would answer them if it were you. These two questions are also pitfalls I have encountered before.

When the debt collector asks you, if you can't pay it back, why did you borrow in the first place? Did you deliberately defraud the loan? Where did you use the money? If you know you can't pay it back, why did you borrow?

Once before, I answered that I didn't think too much about it. I just wanted to borrow it first and then I would pay it back. But now I can't pay it back.

I suggest you answer in another way, please refer to the following:

1. It's not the first day that I borrowed money from you. I have been paying it back normally before, and you should be able to see my repayment record. Who doesn't have accidents and emergencies? In the past two years, due to the impact of the epidemic, my income has been declining. Who could have thought that this day would come? You may also understand this situation. Accidents are everywhere.

Can you guarantee that if you leave this morning, you will be back in the evening? Can you guarantee that your life will be smooth sailing without any accidents?

Use more rhetorical questions.

Finally, this accident has completely disrupted my plans. I am now working hard to make ends meet and to earn money. I will definitely pay it back when I have money.

2. Many debt collectors will make harsh remarks on the phone as soon as they receive a call: Are you so-and-so? Are you not going to repay the loan you borrowed from our platform?

Because of this issue, I had many arguments with the debt collector of Dishuidai9. It was this question that irritated me. He kept asking me the same question over and over again. His tone became higher and higher, and his attitude became worse and worse.

At that time, I was just in the Dao period and was not calm enough. Now I think about it, it was just a routine.

At this time, don't be led astray by the other party, and don't follow the other party's words and say, "Yes, I just don't want to pay it back, what can you do to me?"

The phone calls from the debt collectors are all recorded. Once you say this, the other party will use various means such as malicious default. To put it bluntly, they are waiting for you to say this. A considerable part of the rhetoric is designed around evidence of your malicious non-repayment.

If you receive such a call, you must stay calm and try to answer like this

I have made it very clear that I don't have the money to pay back now, and I didn't expect it to turn out like this. How about you lend me some money first to get through today's difficulties? It can also be regarded as supporting your work. I don't want to cause you any trouble.

I am also working hard, and I will pay you back when I earn money.

Everyone should know that overdue credit card or online loans are basically civil disputes. Even if the bank sues you and the court makes an enforcement order, if you refuse to repay the loan, you will be considered a dishonest person. At most, you will not be able to buy airplane or high-speed rail tickets, but your freedom will not be affected.

It is inevitable to be asked to pay debts after you owe them. Just remember that no matter who is collecting the debt, you don't owe him any money. He is just an employee.

Don't spend too much energy and time on debt collection.

Living seriously, working hard, and striving to resolve these problems as soon as possible is the best explanation for yourself and your family.

Another reminder: whenever you receive a debt collection call, remember to turn on the recording and keep it as evidence.

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