Finance is almost a year overdue. You sent me a message today saying that you have the right to sue me. Is it true?/You don't say.

This situation is true. Generally speaking, banks will tolerate users' arrears for three months. After three months, if the customer still fails to repay, the bank will truthfully upload the bad credit information, arrears and overdue information to the credit information center, which has a great impact on personal credit information. If it is still overdue after three months, the bank will contact the customer for collection, and the bank will choose to entrust a law firm to conduct legal proceedings to safeguard its own rights and interests.

First, the reasonable consumption and protection of credit information.

Many young people don't know much about credit reporting and don't know what credit reporting stands for. In fact, personal credit information, like personal identity card, represents a person's credibility. In today's society under the framework of credit system, personal credit information has a great influence, which affects all aspects of life, whether in employment or in future life. Therefore, when online loan business such as credit card is involved in daily life, we should carefully change personal consumption habits, properly consume and protect personal credit information.

Second, don't avoid it, contact financial institutions in time to communicate and deal with it.

If an individual cannot repay in full due to practical reasons, he should contact financial institutions in time to communicate the repayment situation and truthfully fill in the personal income certificate. Banks will communicate with customers according to their personal income and pay back in installments. If banks still evade their debts, bank prosecution will have a lifelong negative impact on people, and individuals will become criminals and bear criminal punishment.

Third, financial institutions have the right to sue users who fail to pay their debts and protect the rights and interests of enterprises.

Since ancient times, it is natural to pay back debts, not to mention money owed to banks. After the bank loan is used for personal consumption, it is unreasonable for individuals to repay the bank in law and morality. Therefore, it is better to communicate with the bank in time and let the bank withdraw the lawsuit in time in order to ensure personal credit information and not to assume legal relationship in the future. The purpose of bank prosecution is only to recover the arrears, so it is enough to communicate with the bank in time.