I have been in arrears of 3000 yuan for one year. Is it true that I received a text message saying that I was included in the lawsuit? What will happen?

It is true that you receive a text message saying that you want to be included in the litigation project, and you may face the following situations:

1. legal proceedings: the overdue loan has reached one year, and the creditor can choose to include you in the special proceedings, which means that the creditor has the right to pursue the repayment of the debt through legal channels.

2. Litigation procedure: Once the debtor is included in the special litigation, the creditor can file a lawsuit through the court and notify the debtor. Then, the court will arrange a hearing, and the debtor needs to appear in court to defend the arrears.

3. Asset freezing: In the course of litigation, creditors can apply for asset freezing to ensure the repayment of debts. This means that the debtor's funds and property may be frozen and may not be transferred or disposed of without authorization before the debt is paid off.

In short, if you have been overdue for 3000 yuan for more than one year, and you have received the short message included in the lawsuit, then you may face the risk of legal proceedings. I suggest you get in touch with the creditors as soon as possible, learn more details, seek solutions, and avoid further impact brought by litigation.

Extended data:

Legal action is a formal legal procedure to resolve disputes between creditors and debtors. The debtor's overdue repayment may lead the creditor to pursue the debtor's legal responsibility by legal means. Once the creditor lists the debtor as a special lawsuit, the debtor will face legal proceedings and possible asset freezing. Therefore, after loans overdue, we should actively communicate with creditors and negotiate solutions to avoid further legal risks.

The above is the answer that your overdue loan will be included in the special lawsuit, and I hope it will help you. For more detailed information and suggestions, please consult a professional lawyer or local court.