Save it. Is it true to sue me?

Legal analysis: whether to prosecute depends on the overdue amount and time. The amount is large enough and the time is long enough to sue. Moreover, I usually communicate with you several times before the prosecution, and most of them are overdue 1 year. Generally, the amount of several thousand yuan will not be prosecuted, that is, making dunning calls, sending text messages, or harassing contacts around. This is a small online loan, and the amount is generally not too large. Unless your situation is particularly bad, there is a high probability that you will not be prosecuted. After all, they also have to consider the collection cost and success rate. If the amount is too small to sue, the input and output are not proportional. By the way, although there is a high probability of not prosecuting, it is recommended to close the case as soon as possible. The funds in the province are directly paid by banks, and the credit records are also displayed by banks. If it is overdue, it will be recorded. It is recommended to deal with it as soon as possible. This kind of small consumption staging will have a bad influence on credit reporting, not to mention overdue. It has a negative impact on other things that may involve credit investigation in the future, and it is relatively large.

Legal basis: Article 23 of the General Principles of Loans: 1. The type, term and interest rate of the loan operated shall be announced and negotiated with the borrower. Two, the credit content of the loan review and the conditions for issuing loans should be made public. Three, the lender should consider the borrower's loan application, and timely reply whether the loan. The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months; Unless otherwise stipulated by the state. Four, the borrower's debt, finance, production and operation should be kept confidential, except for inquiries according to law.

Article 119 of the Civil Procedure Law of People's Republic of China (PRC) must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.