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问题	花呗逾期本地电话打来说要到当地法院告我？
释义	法律分析：一般的民间借贷纠纷是民事纠纷，不会直接涉及刑事责任，但是当事人仍然有偿还义务。法律依据：《中华人民共和国民法典》第五百四十五条债权人可以将债权的全部或者部分转让给第三人，但是有下列情形之一的除外： (一)根据债权性质不得转让; (二)按照当事人约定不得转让; (三)依照法律规定不得转让。当事人约定非金钱债权不得转让的，不得对抗善意第三人。当事人约定金钱债权不得转让的，不得对抗第三人。
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