Unable to Pay Off Online Loans, Can They Be Prosecuted?

[Suba]

I have a friend who is also a migrant from another city. She frequently purchases items from e-marketplaces with Pay Later and other online credit options, resulting in significant debt. A few months ago, she lost her job and could no longer afford to pay her installments. She attempted to return all the items she purchased, but they refused. Could this be considered fraud or embezzlement? Should I help her?

 

[gwolf666]

What is happening with your friend does not appear to be fraud or embezzlement, since she is not acting intentionally or unlawfully. However, your situation does reflect a financial management problem and possible misuse of credit, which can be risky. The fact that you cannot return the products, even if you try to do so, suggests that you are trapped in a debt that you cannot cover, which is a common challenge when relying too much on credit options.

The best thing you could do for her is to help her look for options to manage her debt. Perhaps you could contact the companies you owe debt to to negotiate a more affordable payment plan, or seek financial advice. Helping her find viable solutions would be the most productive and supporting her emotionally during this difficult time is also important.

 

[Suba]

You're right, even though she hasn't violated criminal law, she has debts and billing over the phone is like terror, and I intend to help pay off her debts in the near future.

 

[Stardom22]

An indebted person is not a free man for that matter. When you clear all your debts you live freely.

 

[Starmix]

@Suba , don't help her. Why should you help this person who has no brain? Since she lost her job, it means she is not a full-time regular employee, so what she was doing was insane. She should learn a lesson. She should sell those items and add some amount to pay her debts.

 

[kit_hung]

I have a friend who is also a migrant from another city. She frequently purchases items from e-marketplaces with Pay Later and other online credit options, resulting in significant debt. A few months ago, she lost her job and could no longer afford to pay her installments. She attempted to return all the items she purchased, but they refused. Could this be considered fraud or embezzlement?

The issue of your pal is not fraud or theft because she initially took the items with a legal agreement. The problem came after she lost her job and failed to pay her debt. It is common for stores to refuse to return used items. needs to talk to creditors so they can reorganize how to pay those debts slowly.

 

[eLdavis]

From what i have heard, you cannot be prosecuted by the law for not being able to pay back your online loan