Do you really owe 3000 yuan and say that you will sue in court in the near future?

Legal analysis: generally, no prosecution will be initiated within 3 months after the deadline, and the corresponding fees will be charged after the deadline, and personal credit information will be affected.

1, affecting personal credit information: most lenders in the province are banks or financial institutions. These institutions will check the credit information before lending, and the loan records will be recorded. If it is overdue for three months, the overdue repayment record will also be uploaded to the People's Bank for credit investigation, thus affecting personal credit.

2. Late payment fee: 5% of the outstanding principal in the current period will be charged as late payment fee if it is overdue for three months.

3. Penalty interest: from the last repayment date, 0. 1% of the unpaid principal will be charged as penalty interest every day for these three months.

4. Telephone SMS collection: After the deadline, the borrower will be collected, usually by SMS or telephone.

5. Possible prosecution: If the overdue period reaches the prosecution standard for three months, the province can sue the borrower and apply to the court for compulsory execution.

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

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.

Article 120 A complaint shall be submitted to the people's court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.