Is it true that the law requires receiving text messages?

This situation is 100% false, and the so-called pre-litigation notice concept does not exist at all.

The collection of some online loan products is very bad, and even deceives borrowers to urge repayment. When you receive such a payment message, you don't need to be nervous about the content of the message. You need to actively repay your debts, and it is best not to touch any online loan products in the future. The online loan product itself does not talk about morality, and the annualized interest rate is also very high. You should try your best to avoid falling into such a debt trap.

First of all, there is no concept of pre-litigation notice.

This truth is actually very simple. If the online loan product really sues the borrower to the court, the court will naturally notify the borrower, and there is no need to notify the online loan product. As far as online loan products are concerned, because many users have overdue amounts of only a few hundred yuan, online loan products cannot sue users for just a few hundred yuan, so these so-called short messages are just routines.

Second, online lending products do everything they can.

Due to the poor credit status of these users who borrow online loans, online loan products will basically not tolerate overdue users, so they will use various means to force users to repay. It is also for this reason that we can see so many news about online loan collection. For users themselves, I suggest that users develop good economic habits and must stay away from all online loan products.

Third, users need to actively repay online loans, but they don't need to repay the part outside the legal protection.

You can calculate the annualized comprehensive interest of your online loan products, which has exceeded 24%. You can choose not to repay the amount after 24%. If the annualized interest has exceeded 36%, the part above 36% will not be protected by law, and you don't need to take the initiative to repay. In addition, you need to repay the principal and interest within the scope of legal protection as much as possible, and don't affect your personal credit because of such overdue problems.