First of all, please don't worry too much. In view of the situation you described, I give the following suggestions:

1. Communicate with the borrower: communicate with Paipai Loan as soon as possible, indicating that you are really unable to repay the arrears at present, and ask them to provide some solutions. They can consider extending the repayment period, adjusting the interest rate or making other reasonable repayment arrangements.

2. Seek legal aid: If you use words that threaten you, you can consult local legal aid agencies or law firms to understand your rights and interests and countermeasures. Legal aid agencies can provide you with specific legal advice and assistance to help you solve this problem.

3. Seek financial support: If you really face financial difficulties, you can consider seeking financial assistance from relatives and friends, or consult local social assistance agencies to see if there are relevant loans or assistance projects available for application.

Summary: When dealing with this loans overdue issue, the most important thing is to keep communication, get in touch with borrowers as soon as possible, and actively seek legal aid and economic support.

Extended data:

China's Contract Law stipulates the rights and obligations of both borrowers and borrowers, including the handling of overdue repayment. If the situation is complicated or can't be solved, it is recommended to consult a professional legal institution for more specific legal advice.