Overdue debt cases are officially filed and can be queried through the following methods:

1. Directly dial 12368 and transfer to manual query.

2. Follow the China Mobile Micro Court official account on WeChat, then log in, perform real-name authentication, and then select my case to know whether you have been sued.

3. Log in to the China Judgment Documents Network to check whether you have been sued and sentenced in absentia.

4. Log in to the China Enforcement Information Disclosure Network. This will check whether you have any cases being executed, whether you have been listed as a dishonest person subject to execution, whether you have been subject to high-level restrictions, etc.

The impact of overdue loans:

1. Overdue repayment will affect personal credit. If a borrower borrows money from the bank and fails to repay it overdue, a bad credit record will be left on his or her personal credit report. In the future, it will be very difficult to apply for a credit card or loan. Most of them will be rejected, which will cause a lot of trouble to personal production and life.

2. The most direct consequence of non-repayment of a credit loan is high penalty interest, and you may also be required to pay a certain amount of liquidated damages. Even the principal and interest add up to a large expense. The result of not repaying the loan on time will increase your financial pressure.

3. If the loan is not repaid overdue, the lender will face various collections. Banks or financial institutions have their own collection systems. When the loan is overdue, the junior collection agency will send you text messages or call you to demand payment. If the debt is not repaid for a long time, or in serious cases, there may even be face-to-face collection by debt collectors. This overdue person must be mentally prepared and find a way to pay off the money as soon as possible before the problem can be resolved.

4. If the loan is overdue for a long time and the amount is relatively large, the lender may be sued by the financial institution. After the lawsuit is accepted and the court pronounces its verdict, the lender's assets may be seized. This is a "repayment ruling" that the lender must execute. Otherwise, the court will seize the property and other assets under your name in accordance with the law and use the proceeds from the auction to repay the debt.

5. In serious cases, you may be jailed. Normally, incidents such as borrowing money and not repaying it are civil disputes and will not rise to the criminal level. However, if some lenders refuse to comply and insist on non-repayment, and the circumstances are serious, the court will also hold the borrower criminally responsible. Depending on the circumstances, serious cases will lead to imprisonment.

Legal basis:

"Civil Procedure Law of the People's Republic of China"

Article 125 The People's Court shall, on the date of filing the case, A copy of the complaint shall be sent to the defendant within five days from the date of receipt, and the defendant shall file a defense within fifteen days from the date of receipt. The defense statement shall state the name, gender, age, ethnicity, occupation, workplace, residence, and contact information of the defendant; the name, residence, and name, position, and contact information of the legal person or other organization and the legal representative or principal person in charge. The People's Court shall send a copy of the defense to the plaintiff within five days from the date of receipt of the defense. If the defendant fails to submit a statement of defense, it will not affect the trial of the People's Court.