First of all, Alipay has the right to hand over the overdue user's loan account to the corresponding legal department for handling. This means that Alipay can bring a lawsuit to the court, asking the user to refund the overdue payment, and may generate additional fines, interest and litigation costs. Please remember that in this case, the court can issue a subpoena to inform you to appear in court.
Secondly, Alipay can also entrust a professional collection company to collect money at home. These collection companies will usually contact you and ask you to pay off the overdue amount or make a repayment plan. If you refuse to repay or fail to reach an agreement within the time limit, the collection company can take other measures such as home visit and telephone collection to urge you to fulfill your repayment obligations.
To sum up, I owe Alipay a loan of more than 9000 yuan and it is nine months overdue, so my family is at risk of being sued for collection. Alipay has the right to hand over the overdue user's loan account to the Legal Department, and then take legal measures to recover the arrears. At the same time, Alipay can also entrust a professional collection company to collect at home. In this case, it is suggested that you pay off your debts in time or communicate with Alipay to make a reasonable repayment plan to avoid possible legal disputes and collection actions.
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Overdue loan account may also have a negative impact on your personal credit record. Personal credit records play an important role in applying for loans, credit cards and renting houses. Therefore, timely performance of repayment obligations is very important for maintaining personal credit status.
In addition, please pay special attention to the fact that the above answers are only based on general assumptions and speculations and cannot represent the actual situation. The specific handling method may be different due to personal circumstances, changes in Alipay policies or laws and regulations. I suggest you consult a professional or get in touch with Alipay official customer service to get accurate and up-to-date information.