Legal analysis: loans overdue does not return or prosecute, but only involves civil cases. As long as you provide false information or collude with others to defraud the loan at the end of the loan application. The investigation will not involve criminal offences, nor will anyone be summoned.

Legal basis: Article 676 of the Civil Code of People's Republic of China (PRC). If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.