Baidu has the money to send text messages every day to remind you of overdue messages. Can you use it to reply to messages?

No need to reply, but you must repay as soon as possible.

If a customer is overdue, they should not sue if they have enough money. Although loan platforms generally have the right to sue if the loan is overdue for more than three months, after all, litigation requires a lot of material, financial and manpower, so most loan platforms will not sue easily.

Customers only need to pay off the debt quickly and then repair their credit report. If the customer continues to be overdue, accruing more and more penalty interest, and ignores the collection calls, and has money to spend and cannot contact anyone, then he is likely to file a lawsuit in court. After the court's decision, if the customer fails to repay the loan, he or she will likely be included in the court's list of dishonest persons subject to enforcement.