When you were sued, did you receive a text message or a subpoena first?

If it is overdue, receive a short message from the bank first.

Late payment in court summons is generally a civil case. It usually takes more than three months from prosecution to trial. In the intervening months, you can take the initiative to negotiate with creditors, and after the deadline, you will receive a short message from the bank.

If the bank fails to negotiate overdue prosecution, it will have to wait for the court date. Generally, if the court session is up, the creditor will generally mediate with the debtor for the last time out of court. At this time, creditors will generally make concessions, reduce treatment, and how to repay the loan.

Extended data:

Once the credit card is overdue, the bank will generally notify the cardholder by text message or telephone first; If it is still in arrears, the bank will outsource it to a third-party company for collection; In the end, if the collection fails, the bank will choose to sue. It usually takes at least 4 months from the overdue credit card to the formal prosecution of the bank.

In addition, it should be noted that the so-called bank prosecution SMS here is almost certainly a means of dunning for third-party outsourcing companies. As far as litigation is concerned, the bank is only the plaintiff, not the court, and has no right to notify the borrower (defendant) to respond.