The legal person sent me a text message and owed me money.

1, confirm whether it is really due to the formal legal notice. Generally speaking, a lawyer's letter is a relevant letter sent by a law firm to two lawyers after they have accepted the entrustment of the obligee and signed a legal service contract. The contents of the lawyer's letter include title, signal, basic facts, legal application, legal responsibility, signature, date and so on.

2. Go with the platform or the bank to verify the authenticity of the legal announcement. Whether there is fraud, if it is true, negotiate with the other party for reasonable repayment, such as asking for interest reduction or penalty interest. If the negotiation between the two parties has been unsatisfactory, it is better to sue directly.

First, if the credit card is not delayed for too long, will it affect your family?

To some extent, it may have an impact on family life.

1. If the credit card is not returned, the bank will certainly not sit idly by. Collection personnel will be arranged to collect by telephone, SMS and door-to-door collection. The first two kinds of collection may be aimed at the card owner, but if the card owner loses contact, the bank will start with his family, which will naturally affect his normal life.

2. If the cardholder owes more than 90 days, and the amount is relatively large, telephone collection and SMS collection are ineffective, then someone may collect it. At that time, there may be physical conflicts between the two sides, which may affect the family, so the personal safety of the family is likely to be threatened.

3. If the credit card is in arrears and the cardholder is overdue for more than 3 months, the bank will bring a lawsuit to the court. If the cardholder has the ability to repay after the judgment of the court, but refuses to repay, the court may list the cardholder as the person who has lost his trust. By then, the cardholder's children will not be able to attend high-fee schools.

5. If the cardholder fails to repay the debt, it will affect the credit of his spouse. After all, during the marriage relationship, both husband and wife enjoy credit reporting. If one party's credit is not good, the other party will also be implicated.

Second, will the credit card be dunned if it is unable to repay?

Financial institutions have the right to collect.

Lending is essentially a contractual relationship. As a creditor, financial institutions have fulfilled their contractual obligations and given you loans. As a debtor, we must fulfill our obligations and repay on time. After your default is overdue, the creditor has the right to urge you to fulfill your contractual obligations through legal collection. When you receive the collection information from financial institutions, it is suggested that you actively cooperate and get in touch with lawyers in time to avoid entering the proceedings, otherwise once you file a lawsuit, there will be no room for transfer.