What should I do if the financial platform sends a text message to let me go to court?

Legal analysis: For credit cards or loans overdue, the collection company will send a short message to remind the repayment, and if it cannot provide a substantive solution, it will sue the court to recover the arrears. In this case: 1, you should take the initiative to contact the other party and give the other party an attitude that you only occasionally forget to repay or pay attention. 2. If the overdue loan repayment is due to turnover or financial problems, it is necessary to communicate with the other party about the expected specific time or give the other party a specific loan repayment plan. 3. Overdue repayment will reduce the integrity. If the other party submits this item to personal credit, it will bring the problem of poor credit, which will affect loans, travel, employment and family. Whoever defrauds banks or other financial institutions of loans for the purpose of malicious non-repayment and illegal possession shall bear criminal responsibility if the amount is huge.

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) commits one of the following acts. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) obtaining loans by other means.