Why does my husband always send me text messages when he owes Yixin money? Will he be prosecuted?

Because the wife is an immediate family member, she will not be prosecuted for long-term debt.

If you don't pay the bill for more than 3 months, it will be very serious! If the loan bank collects the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.

When a lender signs a loan contract with a lending institution, there are usually relevant provisions of loans overdue in the contract. Generally speaking, overdue loans will generate additional penalty interest, each lending institution is different, and the amount of penalty interest and the interest generated are also different. Loans will have corresponding interest and expenses, and overdue loans will lead to additional expenses, which is very uneconomical. When a borrower applies for a loan in a bank, the bank will adjust the loan interest rate according to the borrower's credit record and qualification. Generally speaking, high-quality borrowers with good credit are more likely to get loans with lower interest rates. If the borrower suffers credit damage due to loans overdue, even if he gets a bank loan, it is difficult to achieve a lower loan interest rate.