Legal analysis: Small loan companies will adopt different debt collection methods according to different overdue degrees. For borrowers who are slightly overdue, small loan companies will remind them to repay by SMS or phone. For borrowers who ignore SMS and telephone collection methods, small loan companies will include loans in debt collection procedures. For those who insist on not paying back, the collection staff will take the way of door-to-door debt collection. If the borrower fails to pay the money for more than 3 months, and the legal collection by the lending institution is still fruitless, the lending institution may bring a lawsuit to the court according to the contract. Those who still refuse to repay their debts after the judgment constitute the crime of refusing to execute the judgment, and if the circumstances are serious, they will go to jail.

Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.