Consumer finance sent a text message saying that it was maliciously owed.

Legal analysis: first ask about the specific situation. In case of malicious breach of contract, it shall be handled through negotiation in time. If there is no loan or malicious breach of contract, the other party may be cheating and calling the police. Treatment of malicious default on payment: It is suggested to sue the court for repayment as soon as possible. After the judgment requires the other party to repay, if the other party fails to perform the court judgment during the performance period, it may apply to the court for compulsory execution; After accepting enforcement, the court will inquire about the property, vehicles, securities and deposits under the debtor's name according to law; In addition, if the debtor has no executable property under his name and refuses to perform the effective judgment of the court, there will be negative information records such as overdue repayment in his personal credit report.

Legal basis: Article 119th of the Civil Procedure Law stipulates that 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.