Is it necessary for Lightning loans overdue to send a text message immediately?

No, first of all, I will inform you that it is overdue, and then I will know some details about you. If you have a good attitude, it is not a big problem to make an appointment for repayment. If you don't pay back for a long time, or you can't contact, you will send a text message to your address book friends later, and then you will take legal action or contact your family in the place where you live. If you don't repay, outsource it to a debt collection company and ask for repayment at your home address.