What if Qian Bao's loan is overdue for more than 147 days, and the other party calls me locally and says that they will sue me?

Online lending is usury. If it is overdue, it will pretend to be a court to sue you.

Sending a text message to arrest you is to scare you, and the court being sued will inform you, not the other party. Online lending is a civil dispute and does not involve criminal cases.

civil code

Article 125 The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receiving the indictment. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense.

If the defendant fails to submit the defense, it will not affect the trial of the people's court.

Article 136 When trying a civil case, the people's court shall notify the parties and other participants in the proceedings three days before the court session. If the hearing is held in public, the names of the parties, the cause of action, the time and place of the hearing shall be announced.

Article 137 Before the court session, the clerk shall find out whether the parties and other participants in the proceedings appear in court and announce the court discipline.

At the hearing, the presiding judge shall check the parties, announce the cause of action, announce the list of judges and clerks, inform the parties of their litigation rights and obligations, and ask the parties whether to apply for withdrawal.

Article 138 A court investigation shall be conducted in the following order:

(a) Statements of the parties;

(2) Inform witnesses of their rights and obligations, witness to testify, and read out the testimony of witnesses who did not appear in court;

(three) to produce documentary evidence, material evidence, audio-visual materials and electronic data;

(4) Reading out the appraisal opinions;

(5) Reading the record of the inquest.

Article 139 A party may present new evidence in court.