360 years in loans overdue, there are still 300 outstanding. Now contact me and say that you want to sue.

Hello, I will answer your questions according to the information you provided:

First of all, 360 IOUs have not been returned to 300 yuan for three years, and now the other party contacts you and says that they will sue.

Details are as follows:

1. Legal proceedings: When the borrower fails to repay the loan on time, the creditor has the right to pursue the borrower's responsibility through legal proceedings. This may involve the following steps:

A. Creditors contact you: Creditors may contact you by phone, text message or written form to ask for loan recovery.

B. Prosecution procedure: If the creditors decide to take legal action, they will submit an application for prosecution to the court and list you as the defendant.

C. hearing: once the court accepts the application for prosecution, a hearing will be arranged. You need to appear in court to defend and provide relevant evidence.

D. Judgment and execution: The court will make a judgment based on the statements and evidence of both parties. If the judgment is in favor of the creditor, the court may take compulsory measures to recover the debt.

2. Possible consequences:

A. Responsibility for payment: If the court decides that the creditor wins, you may need to pay the arrears and possible interest and expenses.

B. Bad credit record: Overdue debts may damage your credit record, thus affecting future loan and credit card applications.

C. Enforcement measures: If the court decision is not fulfilled, the creditor may apply for enforcement, including freezing bank accounts, seizing property or wages, etc.

3. Summary:

360. There is still an unpaid amount after three years overdue. The other party contacted you and said that they would sue. According to China's laws, creditors have the right to recover debts through legal procedures and can take compulsory measures to recover debts. Overdue repayment may lead to payment liability, credit record damage and risk of implementing measures.

Extended data:

Legal procedures and consequences vary from region to region and specific circumstances. I suggest you consult professional legal advice when facing the threat of litigation. You can seek legal aid or negotiate with creditors to reach a solution to avoid further legal disputes and losses.

Please note that the above answers are for reference only. Please consult relevant legal professionals for specific suggestions.