Ali Jin Fu recruited

Your situation does not constitute fraud. The crime of fraud includes the crime of loan fraud, which uses false documents and facts for the purpose of illegal possession to make the other party deliver property and money to you based on misunderstanding.

According to your description, you don't cheat. Then the fact that you pay back one after another is enough to prove that you have the intention of repayment and have no purpose of illegal possession, so this is a simple overdue loan and belongs to a civil dispute.

The other party can sue in court because you have overdue behavior after the loan expires. If you sue, the other party will file a lawsuit in your local court, asking you to repay the money and pay the late fee. After the court accepts the case, you will be informed that you have 7 days to reply, indicating whether you have any objection to the court acceptance, and then both parties will submit evidence and wait for the court summons. The civil litigation of financial lending is only repayment and late payment at most, so don't worry too much.

In addition, according to your description, if a firm calls for a lawsuit, it will generally not be unable to tell the name of the firm, because if the other party's appeal is normal, it needs to be informed in a clear way to have legal effect, just like a lawyer's letter needs to be stamped with an official seal. To say the least, if the other party really sues, it also needs to submit its own information to the court and the defendant. So I guess this is more likely to be a scam and harassing phone calls.