Hello, I have a loan of 5,000 yuan, which is about four years overdue. I received this message today. What exactly should I do?

See how your contract stipulates. What is the principal and interest rate, and how to sign the default clause. Whether to prosecute depends on the situation-four years should have exceeded the statute of limitations (the normal statute of limitations is three years), and it is uncertain whether to prosecute legally.

Your question is wrong. Quite problematic: you didn't provide any contract text at all, how much is the annual interest rate, how much is the penalty, and how much is the penalty ... You didn't say anything about the principal, and there was nothing useful! There was only a vague time of about four years, and then he asked me if I should sue and how much should I pay back?

It's nothing. You want me to guess?