标题：借呗花呗都逾期说要起诉怎么办？
摘要回答：如果借呗和花呗都逾期了，并且收到了起诉通知，首先不要慌张。应及时与借呗和花呗的客服联系，说明自己的困难情况，并尝试制定一个还款计划。同时，可以寻求法律咨询，了解自己的权利和义务。最重要的是，要诚实地面对自己的债务，尽快还款，避免逾期带来的更多麻烦。
正文：
大家好，今天我来和大家聊一聊，如果你像我一样，既用了借呗又用了花呗，结果不小心这两个都逾期了，然后收到银行或者网贷平台说要起诉你的通知，该怎么办。
首先，我要说的是，收到起诉通知的时候，不要慌张，不要觉得天要塌下来了。我们要做的是冷静下来，想办法解决问题。
第一步，及时与借呗和花呗的客服联系。 explain to them your situation and try to work out a payment plan. 你可以告诉他们你现在的困难，看看是否可以延长还款期限，或者分期还款。 most of the time, they will be willing to work with you if you are honest and cooperative.
第二步，寻求法律咨询。 if you are not sure about the legal implications of your situation, it's better to get some professional advice. There are many legal aid organizations or lawyers who can provide free or low-cost legal assistance. They can help you understand your rights and obligations and guide you through the legal process.
第三步，诚实地面对自己的债务，尽快还款。 no matter what, you need to face your debt head-on and pay it off as soon as possible. The longer you delay, the more problems you will have, such as increased interest rates, penalties, and even damage to your credit score.
最后，我要提醒大家，使用借呗和花呗的时候，一定要慎重，一定要按时还款。 because if you don't, it will not only cause you a lot of trouble, but also cost you a lot of money in the long run.
希望我今天的分享对大家有所帮助，如果你们有其他的问题，欢迎在评论区留言提问。
