The “micro-credit payments” function introduced by the U.S.C. has been widely accepted because of its ease and speed. With the use of Twitter, users can perform purchases, transfers, payments, etc. on Twitter, and even on Twitter. Micro-credit payments have permeated people ' s daily lives and become part of their lives. Sometimes, however, micro-credit payments can cause problems, for example, in the collection of credit claims on the micro-credit account, which makes it difficult to recover arrears because of the unreliability of the micro-credit record. So, how do we prosecute the only outstanding amounts that we have on the Web? The following are possible solutions:

How are we going to sue only for the amount of money we've recorded

I. FINDING THE OTHER BY WILDING THE PRIVATE INFORMATION

If there is a problem with the loan or loan on a micro-letter, first it is the information of the other party, by means of an inquiry to the other party, a request for repayment, a request for repayment of the money or a negotiation. In private conversations, it is possible to record every transfer with a micro-payment function, which can provide strong evidence for future litigation. If the counterparty does not agree or does not pay off, it may submit to the People ' s Court a micro-creditor ' s private information, and if the counterparty acknowledges the information, the content has a higher probative value and can be used as evidence by the creditor。

II. Application for enforcement proceedings using payment certificates

In the process of micro-credit payment, a “transaction certificate” will support the transfer. When the creditor wishes to recover the arrears, if the counterparty refuses to return or abandons the repayment contract, it may apply to the People ' s Court for an enforcement procedure by way of a payment certificate to prove that the counterparty has indeed made a payment relationship with the creditor, thus forcing the counterparty to return the arrears in whole or in part. This approach, of course, requires the authenticity and accuracy of documents, otherwise it will be more difficult to prove additional evidence。

III. Commissioning of third-party companies

In the case of poor or under-empowerment of the debtor, consideration could be given to entrusting it to third-party companies for professional services. A number of professional third-party networks that attract companies and are familiar with the use of legal knowledge for litigation and negotiation can efficiently recover arrears. At the same time, such companies can improve the reliability and viability of recovery by filing and certifying micro-credit information。