Legal analysis: The cause of action for owing money is generally a civil economic dispute. The parties may bring a civil lawsuit to the court or demand repayment from the other party, and may require the other party to pay overdue interest. Overdue interest refers to the penalty interest caused by loans overdue, specifically the overdue penalty interest of the borrower who fails to repay the loan according to the contract. In general, the creditor may bring a lawsuit against the debtor to the court or apply to the relevant department for arbitration.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If there is no agreement or unclear agreement on the loan term, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.