First, formal online lending.
The forced landing should be treated with a scientific method and a good attitude, and it is not completely non-repayment. Therefore, it is necessary to have a clear understanding of the online loan that you owe, and carefully understand whether it is a platform under a formal platform, which may affect credit reporting. When buying a house and a car, we will not be able to apply for a bank loan, which will have a great impact.
Banks and financial institutions owe a lot of money, and if they are forced to pay it back, they may be sued. Although it will not be punished, the consequences will be very serious.
Second, usury.
If the debt is routine loans, anti-aircraft guns, etc. Then the forced landing will not be punished because they are more afraid of the police and the court than you. Maybe if the money is not returned, their company will close down first and be arrested first.
So, you don't have to worry too much about punishment. Private online lending is a civil case, and there is no case where the police and the court arrest people to freeze property repayment. Corresponding measures will be taken after the court hears the case.
I suggest you sort out the online loans, list them by name, credit information, overdue time, overdue amount and nature, and give priority to repaying the money of bank financial institutions, leaving the rest of the usury platform alone.