I received a text message from a law firm asking me to prepare the information for responding to the lawsuit.

Legal analysis: it is normal for online loans to be overdue and not returned. Don't worry too much. As long as you keep in communication with the platform and negotiate repayment, basically the platform will not sue. After all, legal proceedings also require costs, and you can check the interest of the platform. If the monthly interest rate exceeds two points, you only need to repay the principal and the interest with the highest monthly interest rate of two points.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.