What should I do if the online lending platform sends a text message saying that I want to sue?

1, responding

If you receive a text message saying that the loan has been sued, then you need to choose to reply in time;

Step 2 submit a defense

Therefore, relevant evidence can be collected, and the defense can be submitted within the specified time for the court to accept. Generally, it is necessary to attend the court session according to law.

3. Attend the trial on time.

First of all, you should submit a defense and a copy to the people's court within 15 days after receiving the complaint. If a counterclaim is needed, it can be stated in the defense. Secondly, we should make all kinds of preparations to attend the proceedings in court and attend the trial on time according to the summons of the people's court.

Consequences of overdue online loans:

1, telephone and door-to-door reminder

If the final repayment date exceeds three days, the lending institution will ask the borrower for information by phone. If the arrears are delayed, it is likely that the next step will be to collect them at home.

2. Bring a lawsuit to the court

If the collection fails, the lending institution will take out legal weapons to safeguard its rights and interests. Under the way of mortgage loan, the court will advocate the auction of collateral, and the proceeds from the auction will be used to repay the remaining principal and interest, attorney fees, legal fees and other expenses in priority. If there is any surplus, it will be returned to the borrower in full.

3. Personal credit is damaged.

Once a borrower has a loan transaction with a bank, all repayment behaviors will be recorded by the central bank's credit information system and truthfully reflected in the credit information report.

Legal basis:

code of civil law

Article 128

The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receipt. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense.

If the defendant fails to submit the defense, it will not affect the trial of the people's court.