Is it true or false to say that Qian Bao will sue me? He also said that all my bank accounts would be frozen.

If you owe less, you won't be prosecuted. If you owe tens of thousands of yuan, you may be sued in court. The court has the right to freeze accounts only after prosecution, usually when the plaintiff applies for property preservation or applies for enforcement after winning the case.

Loans overdue will have some bad influences. The analysis is as follows:

1. If it is overdue, it will be charged with 50% penalty and 0.05% daily overdue fine. And it is calculated according to compound interest. The longer the overdue period, the more money you have to pay.

2. After the deadline, the personal credit report will leave a bad record. With a bad record, it will be very difficult to borrow money from banks to buy a house, a car and a credit card, including online loans, because now the "Xinlian" has been established, and banks and online loans will receive credit information in the future. The information of Xinlian is shared by the loan platform. So there will be records in the expired places.

3. A few days overdue, the bank just sends a text message to remind the user to repay. After one month overdue, the bank customer service will call the user to urge the repayment.

4. If the user doesn't repay after two months, the bank will forward it to the debt collection company, and the debt collection company will call your family and users to collect it, and then the attitude will be bad.

If the repayment is not made after three months, the bank will initiate judicial proceedings and bring a lawsuit to the court, and then the user will receive a lawyer's letter or a court summons. At that time, the court will freeze users' assets, including real estate, cars and bank accounts. If there are funds in the bank accounts, they will be used for repayment and payment of prosecution fees.

6. If you go to court to sue, users will be blacklisted as "untrustworthy". If you are blacklisted, you can't fly, take the high-speed train, stay in a star-rated hotel, be a leader, director or board member of an enterprise, your family will be implicated, and your children can't go to private schools. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment.

7. So you'd better not owe the bank money, and the consequences will be very serious. The loan should be repaid on time. If you do have difficulties, you can take the initiative to consult with the bank, and the bank will reduce some overdue interest according to the actual situation.

In addition to the above consequences, the borrower may be sued if it is overdue. Although banks rarely use this method, if the borrower owes too much, it does not rule out that banks will also sue in court. So I suggest that you pay back on time and don't have the idea of default, otherwise it will really bring you a lot of trouble.