The online loan was overdue for more than 40 days before, and then I received such a short message today, asking God to tell me, is this really so serious?

This is a simulated short message, the purpose of which is to threaten the borrower. In fact, a delay of more than 40 days will not lead to a trial. The following is a detailed explanation:

1. Concise answer: This is a false threatening message, so don't worry too much.

2. Detailed description:

-The content of the short message is false: the short message mentions that the defendant needs to appear in court, otherwise the court will make a default judgment and report the judgment result to the national public security financial fraud wanted list. However, overdue repayment will not immediately lead to trial, nor will it be included in the wanted list of financial fraud.

-Lack of legal basis: SMS does not mention specific legal provisions or relevant evidence, nor does it have the real lawsuit number and the name of the basic people's court. These details do not meet the requirements of formal legal procedures.

-Expected effect: The purpose of this threatening text message is to intimidate the borrower and force him to repay the loan. They tried to collect money by causing panic and stress.

3. Summary: Don't worry too much about receiving such a short message. Although overdue repayment will have an impact on personal credit, it will not immediately lead to trial or be included in the wanted list of financial fraud.