I owe Alipay a loan. How long should I sue?

I owe Alipay a loan and sue after three months. If the loan amount is overdue for more than three months, it is basically judged as malicious overdue, and you can sue regardless of the amount. At the early stage of overdue, Alipay mainly urged customers to repay by sending text messages and making phone calls. Usually, customers are overdue for a long time and owe a large amount. In addition, there was no response to repeated reminders, and no one could be contacted. Alipay will bring a lawsuit to the court and let customers repay as soon as possible through legal means. Customers can also take the initiative to contact Alipay customer service to negotiate and try to apply for an extension of the repayment period and repay the arrears in installments. If the customer does not have the repayment ability and does not intentionally pay overdue, Alipay will consider it as appropriate.

Article 188 of the Civil Code of People's Republic of China (PRC) requires the people's court to protect civil rights for three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.

How to go through the prosecution procedure?

Prosecution procedure:

1, write a complaint, take a copy of the note+a copy of the ID card+a 1 inch photo to the local court for filing, and after filing the case;

2. After filing the case, see which court your case belongs to, and then serve the defendant with a court summons;

3. Open a court session and state the facts and reasons in court;

4. After the trial, the court issued a judgment and both parties signed it;

5. If there is no appeal within 15 days after receipt, the judgment will take effect;

6. The judgment will stipulate that the defendant will pay off the arrears within a few days after it takes effect. If the defendant does not pay at that time, he can apply to the court for enforcement until he gets the money he deserves.