Is it true that you texted to sue?

Legal analysis: if it meets the conditions for prosecution, it will be prosecuted. If the borrower has been in arrears, it is very likely that the other party will sue. I'm just saying I won't sue directly. After the user is overdue, I will go through SMS notification reminder, telephone collection, door-to-door inspection, prosecution and other processes.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC) must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.

People's Republic of China (PRC) Civil Code

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.