Is what you said in the message true?

Most of these messages are just a deterrent. What does the online loan she borrowed have to do with you? You just showed up in her address book. At most, I'll call you and ask you to contact her to pay back the money. I won't go to your house or shop. Even if you go, you can turn it off and call the police on the grounds of not knowing. Consumer finance is now a small loan company!