Bai Hua owes more than 20 thousand, won't he go to jail

Generally speaking, there is no sentence for not paying. The protection of civil rights and interests is time-limited. According to the provisions of the liability for breach of contract, the borrower has the right to sue the borrower if he fails to pay it back within the time limit. Generally, if you owe a loan for three months, you will be sued, because if the loan amount is overdue for more than three months, it will basically be judged as malicious overdue, and you can sue regardless of the amount.

Generally speaking, you won't go to jail without paying the money. If you don't pay back the money, it is generally a civil dispute, not a criminal dispute. For the overdue situation of customers, Alipay mainly urges the other party to repay as soon as possible by sending text messages and making phone calls.

If the customer is overdue for a long time, and the amount owed is high, and there is no response to repeated reminders, and there has been no repayment or even contact, then Alipay can bring a lawsuit to the court and urge the customer to repay through legal means (generally overdue for more than three months, it has the right to sue, but it will not be easily sued).

Being sued doesn't mean that you will be sentenced, but you need the customer to repay the arrears in time according to the verdict after the court decision. If the court refuses to repay the loan after the judgment, the court is likely to enforce it, freeze the customer's property and bank card, and deduct funds from it to pay off the arrears; And it is possible to include customers in the list of untrustworthy people. At that time, I am afraid that customers' daily consumption and travel will be restricted. As a personal consumer credit loan product in Alipay, users need to repay on time within the specified repayment period after using Huabai. If the user is overdue, the following adverse consequences will occur:

1, resulting in overdue interest. Users can enjoy the interest-free period by paying back on time after using the flower buds. If the user has overdue behavior after using the flower buds, the system will charge overdue interest from the overdue date, and as the user's overdue time increases, the overdue interest will be more and more.

2. Affect personal credit. If the user fails to repay the arrears of Huabai within the specified repayment period, once the overdue behavior occurs, the system will report the overdue record of the user to Sesame Credit, which may lead to a decrease in Sesame Credit Score. Now, most users' flower buds have been connected to the central bank's credit information system. After the overdue behavior occurs, the system will report their overdue records to the central bank for credit investigation, resulting in personal credit damage.

3. bear the legal consequences. After Bai Hua's overdue behavior occurs, Alipay will take collection measures for users, and all kinds of short messages and phone calls will affect users' normal life. For serious overdue cases, such as large overdue amount and long overdue time, Bai Hua may also sue overdue users to recover the arrears.

Legal analysis:

People's Republic of China (PRC) Civil Code

Article 188 The limitation of action for requesting the people's court to protect civil rights shall be three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.