Send me a text message from Sesame Credit. How should I deal with the debt evasion?

Legal analysis: The user receives a short message from Sesame Credit, which says that the arrears to be retained will be treated as bad debts. That's a collection message sent by Sesame Credit to remind users to pay back the money. As long as the user pays off the debt as soon as possible after receiving the text message, Sesame Credit will not hang up the Internet to escape the debt. If the user still doesn't pay back the money after receiving the short message, the information of the user's debt evasion will be submitted to online arbitration.

Therefore, if you don't want your online credit to be damaged, users must take the initiative to return the arrears to be retained.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.