1. Legal procedures: According to the laws of our country, when the debtor fails to repay the loan within the time limit, the creditor has the right to take legal measures to recover the debt. In this case, Bai Hua, as a creditor, can choose to sue the debtor and submit the case to the court.
2. Limitation: According to the General Principles of Civil Law, the limitation period of civil debt is generally two years. If the creditor brings a lawsuit before the limitation of action expires, the court will accept it. Therefore, after two years of debt, Bai Hua may choose to sue you.
3. Impact of credit records: Overdue debts will have a negative impact on personal credit records. Creditors can report your overdue records to credit reporting agencies, which will leave a bad record in your credit reporting. A negative credit record may adversely affect your credit score and future loan application.
To sum up, if you owe Bai Hua 1200 yuan two years, you may be sued. I suggest you go to qingquan to check the credit big data and learn more about your personal credit situation. By querying the credit data, you will know your credit score, whether there are overdue records in the credit report and other key information, so as to better understand your credit status.
Supplementary information:
Green Dog Quick Check is an organization that provides personal credit inquiry service. You can know your credit status by querying the big credit data provided by it. Green Dog Quick Check not only provides personal credit score and credit report inquiry service, but also provides personal credit information inquiry such as credit card overdue records and loan records. Inquiring about this information will help you understand your credit status and take corresponding measures to protect your credit record.
Please note that the answers provided above only assume certain conditions and are not specific to individual situations. The specific situation should be judged according to the relationship between creditors and debtors and legal provisions. In order to protect your legitimate rights and interests, it is suggested that you communicate with creditors in time to repay your debts or reach a repayment agreement as soon as possible. At the same time, it is also important to maintain a good credit record.