Is it true that 360 didn't send me a message for several months overdue and said that he would sue me?

Legal analysis: 1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 522 Where the parties agreed that the debtor should perform the debt to the third person, and the debtor failed to perform the debt to the third person or the performance was not in conformity with the agreement, it shall be liable to the creditor for breach of contract. If the law stipulates or the parties agree that a third party may directly request the debtor to perform the debt, and the third party fails to explicitly refuse within a reasonable period of time, or the debtor fails to perform the debt or the performance is not in conformity with the agreement, the third party may request the debtor to bear the liability for breach of contract; The debtor's defense against the creditor may be claimed by a third party.

Article 523 Where the parties agreed that a third person should perform the debt to the creditor, and the third person failed to perform the debt or the performance of the debt did not conform to the agreement, the debtor shall be liable for breach of contract to the creditor.

Article 524 Where the debtor fails to perform the debt and a third person has a legitimate interest in performing the debt, the third person has the right to perform it on his behalf. However, unless it can only be performed by the debtor according to the nature of the debt, the agreement of the parties or the law. After the creditor accepts the performance of the third party, its creditor's right to the debtor is transferred to the third party, unless otherwise agreed between the debtor and the third party.

Article 525 Where the parties owe debts to each other and there is no order of performance, they shall perform at the same time. Before the other party performs, one party has the right to refuse to perform the request. When the performance of the debt does not conform to the contract, one party has the right to refuse the corresponding performance request of the other party.

Article 526 Where the parties owe debts to each other and have the order of performance, they shall perform the debts first. If one party fails to perform its debts, the latter party has the right to refuse its request for performance. If Party A's performance of debts does not conform to the agreement, Party B has the right to reject its corresponding performance request.