What should I do if I am sued by the guarantee company after the car loan is overdue?

Legal analysis: 1. Pay off the debt as soon as possible, because you bought the car with a loan, so the car is used as collateral. If your car loan is overdue, the licensed lending institution can apply to the court to detain the car for auction. Therefore, when your car is detained due to overdue, you'd better pay off the overdue principal and interest as soon as possible. 2. Consultation. If the overdue car is still unable to repay the car loan after being detained, you can also negotiate with a licensed lending institution to see if you can give a certain grace and re-specify the repayment plan.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 17 The basic people's courts shall have jurisdiction over civil cases of first instance, except as otherwise provided by this Law.

Article 18 The Intermediate People's Court shall have jurisdiction over the following civil cases of first instance: (1) Major foreign-related cases; (two) cases that have a significant impact in the region; (3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 119 A prosecution must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.