What should I do if I owe a loan and receive a text message from a debt company?

First of all, if you have money, pay it off as soon as possible. If you have no money, it is better to borrow it from friends and relatives first, pay back the online loan and then return it to them.

Secondly, what should I do if I have no money after receiving the debt collection message?

First take the initiative to apply for an extension and pay a certain extension fee. Then find a way to pay back the money as soon as possible.

Improve your earning skills.

Mining the existing resources around you is also the fastest way to make money.