According to the Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Prosecution Standards of Economic Crime Cases (2006 54 38+0 04 654 38+08), the starting point for the conviction of "malicious overdraft" is 5,000 yuan.

According to the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (Fa Shi [2009]19. 16, 2009), the starting point of conviction of "malicious overdraft" is 1 10,000 yuan.

So you owe money for 3300 months, which belongs to the civil category. If you ignore the prosecution, according to the facts of the case and relevant laws, you will lose the case, and you will have to pay 3,000 yuan and interest, as well as legal fees (the losing party will bear).

If the judgment is ignored after it is served and becomes effective, the other party will apply for enforcement. Generally speaking, if enforced, unless you really have nothing, everything you have may be "enforced" except the necessities of life. If you have other bank (financial institution) deposits, securities funds and other wealth management products, you will also be "executed". And you have to pay an "execution fee".

Bottom line: A legal "mistake" is like a problem with your body. You should treat as soon as possible, and you can't delay it. The longer we delay, the more serious the consequences will be. If you have a sore, you can buy antibiotics earlier. If it drags on, you have to cut some meat to cure it. If you don't cut the meat, you may have to amputate it. ...

Therefore, in this case, it is best to find a way to borrow several thousand yuan at once (including 3,000 yuan and interest, plus legal fees), return the money to Bank of Communications, and ask Bank of Communications to drop the lawsuit. In this way, the money should be returned, but the legal fees have been increased. Otherwise, if it is delayed, not only will the bank's credit be lost, but its legal responsibility will be aggravated, and its reputation in society may also be affected. For 3000 yuan, it is not worth leaving a bad impression for many years to come.