CITIC Bank sent a text message saying that it would sue if it didn't pay back the money.

It may not be prosecuted, but it will be blacklisted with great probability.

It is not feasible to negotiate with the bank to repay 2000 yuan a month.

Since the bank wants to send you a dunning message, it means that the bank has put you on the danger list. So the bank won't accept your proposal to pay back 2000 yuan a month.

The minimum repayment before the deadline is feasible, but the interest is high.

According to your current situation, it is suggested to borrow money from relatives and friends and pay off the debts of the bank first.