I received a text message saying that I had not repaid my loan and wanted to sue me.

Legal analysis: loan prosecution: 1, court prosecution, litigation, court acceptance, the acceptance fee is below 50 yuan 10000 yuan;

2. The court will give you a subpoena after accepting it, and the first time is mediation;

3. If the mediation fails, the court will issue a second summons to confirm the court session time, but "hearing by default" will not affect the judgment. After the judge makes a verdict, the verdict will be sent to you, and the verdict will tell you when the money must be transferred to the court account.

4. If you don't make money at maturity, the company will apply for enforcement and freeze all your bank cards.

Legal basis: Article 119 of the Civil Procedure Law stipulates that 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.

Article 120 of the Civil Procedure Law stipulates that a prosecution shall submit a complaint to the people's court and submit a copy according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Article 12 1 of the Civil Procedure Law stipulates that the indictment shall record the following items: (1) the name, sex, age, nationality, occupation, work unit, domicile and contact information of the plaintiff, the name and domicile of the legal person or other organization, and the name, position and contact information of the legal representative or principal responsible person; (2) Information such as the name, gender, work unit and domicile of the defendant, and information such as the name and domicile of the legal person or other organization; (3) the request and the facts and reasons on which it is based; (4) Evidence and its sources, names and residences of witnesses.