Judicial complaints are sent to my household registration by SMS.

First of all, determine whether you are really maliciously defaulting on the loan. If not, it is obviously false.

Secondly, it is generally seen that more than 99% of such short messages are scams.

Finally, there is a consultation telephone number on it, so you can call and ask. If it really doesn't work, you can call the police and let the real police help you solve the problem.