No matter how long it is overdue, there is a possibility of being sued. The law does not stipulate that the online loan platform must first send a message or make a phone call to collect after it is overdue. The online loan platform can directly sue. However, the online loan platform should sue to the court with jurisdiction, and the court that meets the legal conditions will file a case.
 How long will an ordinary online loan be prosecuted if it is overdue?
 As long as it is overdue, it may be sued. If it is sued after the online loan is overdue, the court meeting the following conditions will file a case:
 （1） The plaintiff is a citizen, legal person or other organization that has a direct interest in the case;
 （2） There are definite defendants;
 （3） There are specific claims, facts and reasons;
 （4） It falls within the scope of civil litigation accepted by the people's court and under the jurisdiction of the people's court to which the lawsuit is filed.
 What if the online loan can't afford to be sued?
 Where to complain about online loan overdue harassment of family members?
 You can call the police. It is illegal for the online loan platform to harass family members after the online loan is overdue.
 Law of the People's Republic of China on Administrative Penalties for Public Security
 Article 42
 Whoever commits one of the following acts shall be detained for not more than five days or fined not more than 500 yuan; If the circumstances are relatively serious, he shall be detained for not less than five days but not more than 10 days and may also be fined not more than 500 yuan:
 （1） Writing threatening letters or threatening the personal safety of others by other means;
 （2） Openly insulting others or fabricating facts to slander others;
 （3） Fabricating facts to falsely accuse and frame another person in an attempt to subject another person to criminal investigation or public security administration punishment;
 （4） Threatening, insulting, beating or retaliating against a witness or his close relatives;
 （5） Repeatedly sending obscene, insulting, intimidating or other information to interfere with the normal life of others;
 （6） Peeping, taking pictures, eavesdropping, or spreading other people's privacy.
 If there is any unclear or new situation, we suggest you directly ask questions online to understand the situation of the communication case. The idle lawyers of the intelligent matching platform will give you detailed and targeted answers, and try to explain the general situation to avoid incorrect answers due to incomplete information and poor communication. I wish success in safeguarding human rights.