In reality, these loan companies rarely sue debtors, and they don't collect money at home, mainly through telecommunications. And it's been six years, and the statute of limitations may have passed. Of course, creditors usually don't make such low-level mistakes. Normally, during this period, the other party should have interrupted the limitation of action.

First of all, whether the creditor will sue you is not a question of how long you are overdue, nor how much money you have borrowed, but how much money you owe, how far the other party is from you, and how high the cost of suing you is. In other words, are you worth spending money to sue, announce and enforce?

You only said that you borrowed 38,000 yuan and didn't pay it back for six years. What's the use? ! You have to find out how much money you are short of! Haven't you paid back a penny?

Second, there is no need to sue, and the possibility of door-to-door collection is also very small-for the same reason, the cost is too high. I'm in business, not quarreling with you.

Third, they usually use collected and exploded address books. There is no way to blow up your mobile phone and your family's phone. Those collection companies give you an address book, call and send messages to all your telephone contacts, tell them that you don't pay your debts, and even bother your contacts, so that your contacts can call you to ask what happened and put pressure on you. This kind of thing is difficult to solve except paying back the money.

Finally, although the court of domicile has jurisdiction, if you live in a foreign country for a long time, the jurisdiction should belong to the court of your habitual residence. Therefore, it is unlikely that the other party will sue you, mainly by collection.

To sum up, the other party has the right to sue, but whether it will sue depends on the other party's wishes. If it is an online loan, they often use collection instead of prosecution.