it can be staged. The borrower should be prepared to respond to the lawsuit after receiving the notice of being sued, because it is extremely unwise to refuse to respond to the lawsuit because the arrears are overdue. After being sued, the borrower should not only actively respond to the lawsuit, but also negotiate an installment repayment plan with the bank, and apply to the bank for reducing the late payment fee and overdue interest, so that the borrower can repay the loan as soon as possible after reaching an agreement with the bank.

Extended information:

Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to return the loan principal and interest to the lending bank according to the loan time limit agreed in the loan contract without going through the relevant extension or lending procedures, thus causing the loan to exceed the agreed time limit.

according to the provisions of China's civil procedure law, if loans overdue is not sued by the creditor, the consequence of the debtor's failure to appear in court is that the court can make a default judgment, and the debtor will bear the adverse consequences of the judgment.

article 144 of the procedural law: if the defendant refuses to appear in court without justifiable reasons after being summoned by summons, or withdraws from court without the permission of the court, he may make a judgment by default.

if the borrower fails to repay the bank loan within the time limit, not only should he bear the corresponding legal consequences, but also the corresponding guarantor should bear the legal responsibility. Generally speaking, after the bank loan is not repaid within the time limit, the bank can ask the guarantor to repay, and at this time, the guarantor needs to bear joint and several guarantee responsibilities. In other words, the guarantor needs to bear the amount of overdue bank loans. However, this doesn't mean that you don't have to give money, and the guarantor can recover after paying off within the scope of responsibility. Therefore, the loan should be repaid in time.

Therefore, when using a credit card, you must use it within your repayment ability. Otherwise, it will not be a glorious thing to be sued by the bank. Moreover, once the dishonesty is recorded, it will have a great impact on your later period. Now is an era of paying attention to credibility, and overdue will also have a bad impact on your reputation.