What should I do if I receive a dunning letter from Alipay?

Legal analysis: Generally, if the loan amount is overdue for more than three months, it will basically be judged as malicious overdue, and regardless of the amount, you can sue. If the borrower still doesn't repay the loan after the short message reminder and telephone reminder from the staff, Ant Financial will send a dunning letter to the borrower after the account is frozen. At this time, it is basically preparing for prosecution. Extended data:

As can be seen from the loan contract of Ant Borrowing, if the borrower fails to repay in full and on time as stipulated in the contract, it has already constituted a breach of contract, then Ant Financial can solve the dispute through legal channels, such as providing the borrower's information to the collection company, law firm, court, arbitration commission and other competent departments. It can be seen here that if the borrower's information is provided to law firms, courts, arbitration committees and other competent departments, it is basically preparing for prosecution, but it is really unclear how long it will take to sue ants for IOUs. Although it is said that ants are overdue for a few days and a small number of them are overdue, the risk of being sued is small, but overdue will definitely have an impact on credit reporting. It is serious to suggest paying off the arrears as soon as possible. Otherwise, your personal credit record will definitely have a disgraceful overdue record.

Legal basis: Article 392 of the Civil Code of People's Republic of China (PRC). Where the secured creditor's right has both things and people guarantee it, if the debtor fails to perform the due debt or the parties agree to realize the security interest, the creditor shall realize the creditor's right in accordance with the agreement. If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.