The lender sent me a text message to notify me that I owe 1,500 yuan a month. Is this legal?

Illegal. The court will not accept the payment if it is one month in arrears.

The case can be settled through litigation within 2 years, and the statute of limitations should not be exceeded.

Article 135 of the "General Principles of the People's Republic of China and Civil Law" The statute of limitations for petitioning the People's Court for protection of civil rights is two years, unless otherwise provided by law.

Article 136: The statute of limitations for the following actions is one year:

Those who require compensation for physical injuries;

Selling goods of substandard quality Failure to declare;

Delay or refusal to pay rent;

Stored property being lost or damaged.

Article 137 The period of limitation of action shall be calculated from the time when the person knows or should know that the right has been infringed. However, if more than 20 years have passed since the date of infringement of rights, the People's Court will not grant protection. Under special circumstances, the people's court may extend the statute of limitations.

Article 138 If the statute of limitations has expired and the party concerned performs it voluntarily, it shall not be subject to the limitation of statute of limitations.

Article 139: If within the last six months of the statute of limitations, the right of claim cannot be exercised due to force majeure or other obstacles, the statute of limitations shall be suspended. The period of limitation of action continues to be calculated from the date when the reason for suspending the limitation period is eliminated.

Article 140: The statute of limitations is interrupted by the filing of a lawsuit, a request by one of the parties, or the agreement to perform obligations. From the time of interruption, the statute of limitations period is recalculated.