Others owe tens of millions of dollars and have not been prosecuted. Why are you being sued for tens of thousands or even thousands? The specific situation of each of us is different, and banks generally make a comprehensive evaluation based on the debtor's work, income, liabilities, asset composition and other factors. In fact, strictly speaking, the amount of arrears will reach a certain numerical index after it is overdue, and there is no doubt that it will be prosecuted.
For example, credit cards, generally speaking, if a single card is overdue for more than 50,000 yuan, the bank may judge whether you have financial fraud, but it does not mean that you will definitely sue if your single card is overdue for more than 50,000 yuan.
In addition to the amount, there are other reasons for the platform to evaluate your repayment ability and decide whether to withdraw funds through prosecution. Simply put, they just want you to pay back the money by suing you. If they sue, you can't pay back the money, and they won't take the trouble to sue you.
If the debtor has a stable income, or some people think it is a good work unit, such as listed companies, foreign companies, state-owned enterprises, central enterprises and so on. Then the probability of being sued will increase.
Because a stable job means you have a stable income, you won't give up your job because you are in debt, so you will try your best to collect money and repay it. In addition, if there are assets in the name, such as real estate, automobile products, shares, etc. It is easy for the other party to sue you after verification, because the repayment rate of such people after prosecution is quite high.
If the debtor is not only unwilling to repay the debt, but also evades the bank's collection, such as losing contact for a long time, changing his mobile phone number or even changing his address, then the prosecution rate can be said to be 100%. This is easy to understand, because the other party can't get the money back in the usual way, and they don't know how to contact you except to sue you.