If you have the money to repay, the text message will remind you to cut off the repayment.

1. loans overdue is a legal act of creditor's rights and debts. Even a malicious breach of contract is an act of civil liability and will not be detained.

Second, if the borrower defaults on Baidu's loan, Baidu can bring a lawsuit to the court. If it is legal and compliant, the court will accept it and send you a subpoena to defend it in court. When the evidence is conclusive and the relationship between creditor's rights and debts is clear, the court will order you to repay the arrears. If you don't pay it back within the time limit, the borrower can apply for an auction of your property.

3. In case of violent collection, you can call the police to protect your legitimate rights and interests.

Extended materials:

Civil liability, the abbreviation of civil legal liability, refers to the civil legal liability that the civil subject should bear in civil activities because of the adverse civil legal consequences stipulated by the civil law or based on the special provisions of the law. Civil liability is a kind of legal liability, an important measure to ensure the realization of civil rights and obligations, and a civil legal consequence that civil subjects should bear because of violating civil obligations. It is mainly a means of civil relief, aiming at restoring the infringed rights and interests of victims.

Criminal responsibility refers to the legal responsibility that a criminal act should bear, and the two criminal responsibilities of principal punishment and supplementary punishment include investigating its legal responsibility according to the provisions of criminal law. Principal punishment is the main punishment applicable to criminals, which can only be used independently, not separately. The principal punishment is divided into public surveillance, criminal detention, fixed-term imprisonment, life imprisonment and death penalty. Deprivation of political rights and confiscation apply independently and cannot be applied additionally. Supplementary punishment is divided into fine and property punishment. Expulsion can also be applied to foreigners who commit crimes independently or additionally.

References:

Baidu Encyclopedia-Civil Liability

Baidu Encyclopedia-Criminal Responsibility