What should China Merchants Bank do if it sends a text message four months overdue and says it will sue?

If China Merchants Bank sends a text message saying that the lawsuit is overdue for four months, it can take the following measures:

1. First of all, reply to the bank message in time to express your willingness and cooperative attitude.

2. explain in detail the reasons for your difficulties, such as unemployment, illness, and current repayment plan.

3. Make suggestions, such as requesting to suspend the prosecution, renegotiating the repayment method or extending the repayment period.

Summary: After receiving the notice of prosecution from China Merchants Bank, we should first keep calm, actively communicate with the bank and explain the reasons for breach of contract. At the same time, I put forward reasonable repayment suggestions to show my determination and efforts to solve the problem.

Extended data:

Banks usually collect overdue loans by phone or SMS first. If China Merchants Bank decides to sue you, they need to provide relevant evidence to the court and pay the corresponding fees. The court will judge whether to accept or not according to the situation, and finally make a judgment.