Consumer finance owes more than 10 thousand, sue immediately

Legal analysis: if you don't return the money, you won't be sentenced. The money you owe is a civil liability, and the sentence is a criminal punishment. If you owe money, you don't have to bear criminal punishment. If the money is not repaid, the creditor may apply to the people's court for property preservation and payment order, or bring a lawsuit, or apply for enforcement after winning the case.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.