What should I do if I receive a text message saying that I will be sued after the deadline?

You need to know whether this information is Alipay's information, because Alipay will directly transfer relevant cases to third parties, and collect users in this way.

If you receive a short message from the collection agency, your overdue time will not exceed 6 months, and you will basically not face the risk of being sued. The so-called prosecution message is just a means of collection. In other words, the most important thing you need to do is to pay back on time.

If it is overdue, all debts should be paid off as soon as possible to avoid serious impact on life. When you pay off your debts, remember to live within your means and stop overdrawing so maliciously.

First of all, talk about the issue of prosecution and collection.

Such problems often occur when credit products are overdue. Although there is no word "now" in the name, it is actually a credit product. When the user has overdue behavior, Alipay will inform the user at the beginning to remind the user to repay in this way. After more than three days overdue, Alipay will directly hand over the relevant cases to a third-party collection agency, and the collection agency will send personnel to collect them for you. Because the collection commission of the collection agency is particularly high, it will exert psychological pressure on users by any means, and recover the arrears in this way. It is precisely for this reason that most of the collection messages are actually false news, just the working means of the collection personnel.

Second, you may also face a real lawsuit. I suggest you pay back the money as soon as possible.

If it is overdue for a long time, at least more than 6 months, Alipay will take back the collection case and file a lawsuit directly with the bank to recover the borrower's arrears in this way. Alipay will not sue users alone, but will protect rights through batch prosecution. If you encounter a real prosecution problem, it will not only affect your personal credit, but also involve legal responsibility. I suggest you repay the loan as soon as possible.