Legal analysis: Paying loan arrears in one’s name means: Usually it is an online loan. Overdue text messages are sent to debtors, mostly as a reminder. If the borrower fails to repay the loan after the due date, the borrower needs to pay liquidated damages. If the lending institution chooses to sue, it may be required to force repayment, and the assets in the name of the debtor equivalent to the amount owed will be frozen. If you are sure that there is no loan, then it is undoubtedly a fraud and it is recommended to call the police.

Legal basis: Article 667 of the "People's Republic of China and Civil Code" A loan contract is a contract in which the borrower borrows money from the lender, returns the loan and pays interest when due. Article 668 A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 669: When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender.