你我贷借款逾期说是要起诉，一文掌握关键与精准解读！

　　标题：逾期借款被起诉？别慌，这样做！

　　正文：

　　一、摘要回答

　　如果你或你认识的人有借款逾期的情况，收到了“你我贷”平台的起诉威胁，首先不用太慌张。这种情况很常见，平台为了追回借款，可能会采取各种手段，包括起诉。但是，解决问题的关键在于及时沟通和采取正确的举措。

　　二、详细解答

　　1. **逾期原因先搞清**：首先，要弄清楚为什么会出现逾期。是因为短期资金周转不灵，还是工作生活出了问题？搞清楚原因后，才能有针对性地解决问题。

　　2. **主动沟通是关键**：一旦逾期，最好的办法就是主动和平台沟通。 explain your situation and ask if there's any possibility of extending the deadline or setting up a payment plan. Most platforms would rather work out a solution with you than go through a lengthy legal process.

　　3. **Document Everything**：Keep records of all your communications with the platform, including emails,短信, or any other form of written communication. These documents can be useful evidence if the case goes to court.

　　4. **寻求法律咨询**：如果事情真的到了起诉的地步，最好咨询一下专业的法律意见。了解自己的权利和义务，做好应对的准备。

　　5. **考虑债务重组**：In some cases, debt restructuring might be a viable option. This means negotiating with the lender to change the terms of the loan, such as reducing the interest rate or extending the repayment period.

　　6. **避免违约**：结束以前当然是要尽量避免逾期违约。Plan your finances carefully and make sure you have enough money set aside to cover the repayments each month.

　　总结：借款逾期被起诉并不是世界末日，关键是要采取正确的举措，主动沟通，保存好相关证据，并考虑寻求法律咨询。只要处理得当，这个问题是可以解决的。