Is it true that the living expenses of the US Mission depend on SMS?

No, this is a collection to scare you and ask you to pay back the money. Let's popularize legal knowledge first. Your problem is a civil economic dispute at best, and you can only sue in court. It's all criminal cases that want to arrest people. Obviously, you don't know the law at all. Moreover, all small loans will not be collected at home, because if you come to the door, it will only cause big problems. In case of conflict between the two sides, it will only make them prostrate. What's more, up to now, many people have received such a notice, but in fact no one has come to the door, you can rest assured. As for prosecution, it is the same. This is against the rules. How can it be legal? It's asking for trouble! However, it should be noted that overdue online loans will have a serious impact on comprehensive big data. You can use a third-party platform to query, such as the data in WeChat, to avoid problems such as ID card risk list, small loan risk list and loan blacklist without knowing it. At the same time, if the micro-loan you use is consistent with the credit information, the credit information stain will occur after the deadline. Once the credit information and comprehensive big data are destroyed, the comprehensive credit qualification will be destroyed, and it will be difficult to apply for a loan in the future. This is the platform's largest means of lending risk control. As long as you need a loan in the future, whether it is a bank or a small loan, their arrears will be solved. But even if the repayment can be negotiated, the interest can be reduced as much as possible and re-phased. If it is rejected, it will have some effect to complain to the CBRC, Black Cat and other platforms.