Legal analysis: According to the relevant laws and regulations of our country, if the debtor fails to repay the loan within the time limit, the creditor can sue the debtor as long as it is overdue for one day, but in practice, the debtor usually fails to repay the loan after being urged.

Legal basis: Article 119th of the Civil Procedure Law of People's Republic of China (PRC).

The prosecution must meet the following conditions: (1) the plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.