Each financial institution has its own post loan management process. It has different processing methods from one month to three months to six months to one year. In the early stage, it is a telephone collection, a friendly reminder, followed by an increasingly tough language attitude, followed by a lawyer's letter, a report letter, an indictment, etc. It is not ruled out that long-term overdue will lead to the transfer of your creditor's rights to a third party. The quality level of the third-party collection company is uneven, and there will be some collection behavior in the gray area.