You will be notified to file a case when you receive a text message.

Put your heart in your stomach, my friend. It seems that you usually need to learn a little legal knowledge. It's true that you have loans overdue, but this is entirely a civil act between you and the loan platform, and it doesn't involve any criminal offence at all. In other words, even if you are sued by a building, it can only be a civil lawsuit. There is no such thing as a sentence or a fine. The Renhe law firm you mentioned above is outsourcing collection. The reason why I told you this is to take advantage of your lack of knowledge in this field to cause your mental panic and psychological fear, thus prompting you to actively contact it and negotiate repayment.

It is unnecessary to be nervous, but you must pay back the money. I believe that no one will deliberately overdue, they are forced. There is nothing to be afraid of. Take the initiative to contact them and tell them your actual situation and repayment plan. You don't need their permission, just go back according to your plan. No one can sue you as long as there is repayment.