I took out a mobile phone mortgage with Home Credit and haven’t paid it back for 6 months. It has been 8 months now. He sent me a text message the day before yesterday saying that it was because I was

I took out a mobile phone mortgage with Home Credit and haven’t paid it back for 6 months. It has been 8 months now. He sent me a text message the day before yesterday saying that it was because I was suspected of committing criminal acts.

It’s probably true that you haven’t repaid the loan, but it will only be a civil lawsuit at most, so don’t be afraid. It’s not cost-effective for them to litigate. However, this may have an impact on your credit record. In the future, when working, applying for a credit card, etc., everyone will look at you through colored glasses. You may lose a big thing because of a small thing, so you have to think carefully.