Dear ~ Hello, I am honored to answer your question about why you received the legal text message. The following is my analysis result from the legal point of view: the online loan has not been repaid due, or loans overdue, or maliciously breached the contract after borrowing, or maliciously overdrawn the credit card. The following reasons will be informed by the legal department: 1, loans overdue. 2. The online loan will not be repaid when it expires. 3. Malicious breach of contract after borrowing. 4. The credit card is maliciously overdrawn. Legal affairs refer to the staff responsible for handling legal affairs in enterprises, institutions, government departments and other legal persons and unincorporated organizations. If you receive a text message, you must mediate first. If you don't cooperate, you must apply for enforcement, that is, "bear the serious consequences of being restricted from high consumption, being blacklisted by the state for dishonesty, and being fined"; The enforcement agency of these compulsory measures should be the court. The general process of creditor's rights disputes is as follows: submission of appeal materials (that is, filing a complaint)-trial (that is, filing a lawsuit)-judgment (how much and how long to repay, including interest, which has legal effect)-mediation-enforcement. The general process is like this, and it will be different according to the situation. And both parties will be informed of every step, especially if there is a phone.