The installment music was overdue for half a year and sent a text message saying that it applied to the judicial organ for filing a case.

Legal analysis: If we have negotiated with Staging Music and returned all overdue funds, we will not file a case, because Staging Music will cancel the filing application. But if you keep putting it off, not only will you be put on file, but you may also receive a subpoena from the court after a while, and even be forced by the court to freeze all the funds in your name, so I mean that you borrowed money after all, so you should pay it back as soon as possible. Under normal circumstances, overdue loans will not be prosecuted. The other party sends a text message saying that it has been submitted to the court, which is usually a means of collecting repayment. If it is really sued by the court, it may be a good thing for the borrower. You can negotiate with the lending platform to repay the loan in installments or even only repay the principal and interest. But if it is overdue for one year, it means it has been a long time. Although it may not be sued in court, if the collection continues to be harassed by short-term phone calls, it will also bring great trouble to daily life and work. Therefore, you should pay back the money as soon as possible and give yourself a peaceful living environment.

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

Article 6 The judicial power of civil cases shall be exercised by the people's courts.

The people's courts try civil cases independently in accordance with the law and are not subject to interference by administrative organs, social organizations or individuals.

Article 119 A prosecution 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.

Article 123 The people's court shall guarantee the right of prosecution enjoyed by the parties according to law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and refuse to accept it; If the plaintiff refuses to accept the ruling, he can appeal.