The online loan was overdue, and then sent me a text message saying it was a court session. Is it true?/You don't say.

False, the court will not notify the parties by SMS, but a subpoena, which needs the parties to sign. For many people, these two years are undoubtedly very helpless and painful. Due to the influence of the epidemic in COVID-19, many uncontrollable phenomena appear frequently. Recently, the online loan was overdue, and then I sent a text message saying that it was a court session. Is it true?/You don't say. This news has attracted the attention of many friends and even surprised many people. After learning this news, many small partners have speculated. Apart from the above explanation, is it true?

Choose a formal platform loan

Due to realistic social reasons, more and more people are reluctant to borrow money from relatives and friends because of their face. But I personally remind you that in the case of choosing a loan, you should understand the scale and information security of the enterprise. After all, formal lending institutions are linked to personal credit. When applying for a loan, you should check your credit status. If the repayment is overdue, it will have a negative impact on personal credit. I suggest that you borrow money according to your ability, repay it in time and keep your credit.

Be mentally prepared.

As we all know, the practices of some lending platforms are very unreasonable. When you encounter some difficulties, you should keep the evidence as soon as possible. If lending institutions push their luck, they can choose to call the police or find a mediator to solve this problem. Before receiving the reminder call, I personally suggest that you explain clearly to all the contacts in your mobile phone and be prepared to answer the phone yourself. After receiving the call, you must tell them in advance and insist that you don't know this lender, because it's the only way.

Home is a safe harbor.

If you think that your family can't help you, and you don't want your family to help you pay back the money, forget it. Whatever the problem is, you must make it clear to your family.

The above questions are my personal thoughts. If you have other ideas, you can comment or discuss them below.