"I have owed more than 7,000 yuan for two years, and Alipay is indeed likely to sue. After all, the customer overdue time is really too long. If the customer fails to repay the loan within the time limit and the dunning fails to reply for many times, Alipay has more reason to sue. Moreover, everyone needs to pay attention to the fact that if it is overdue for more than three months, it will be judged as malicious overdue, and Alipay will have the right to sue.

Of course, in real life, Alipay urges customers to repay money mainly by sending text messages and making phone calls, and will not take legal measures easily. The debt of more than 7000 yuan is not particularly high. If the customer fails to repay, Alipay may also list it as bad debt/bad debt. And if the customer owes a huge amount, the possibility of being sued will be even greater. If you receive the news that Alipay has provided customer information to law firms, courts, arbitration committees, etc. Basically, Alipay is preparing to sue. If customers don't want to be sued, they must find ways to pay off their debts as soon as possible. If it is still unclear, you can also take the initiative to contact customer service to negotiate and try to apply for an extension. "

legal ground

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.