What should I do if my credit card is overdue and various text messages say I will sue?

1. What to do if various text messages say that you will sue for an overdue credit card?

If your credit card is overdue and various text messages say that you will sue, we can first verify whether it is true. Was sued. If we are sued, we need to actively repay the debt and get the bank to drop the lawsuit.

If the matter has reached the stage of going to court, we need to actively respond to the lawsuit and cooperate with the work. If the court makes a ruling, we must repay the loan in time if we are able. Otherwise, once the bank applies for enforcement, the court will auction off our house, car and other property, and then convert this part of the money into execution money and repay it. to the bank.

2. Whether the various text messages saying that we will sue for overdue credit cards are true or false

If the bank sends a text message saying that because we are overdue, the bank is preparing to sue, this may just be the bank asking us to A way of saying repayment. Because prosecution is not the purpose of the bank, but the means of the bank. If the bank has not received the amount owed, it may sue the person concerned to repay the corresponding amount.

As for whether the bank will actually sue, it depends on whether the bank is ready. If the bank has collected various materials, it may indeed take the cardholder to court.

3. How to negotiate with the bank to resolve an overdue credit card

For the repayment of relevant amounts after overdue, we can return the money through negotiation with the bank.

Generally speaking, if you want to negotiate with the bank, you can negotiate with the bank by calling the bank's hotline. At the same time, some banks will choose to come to your door for credit card collection. If credit card collection comes to your door, we can negotiate with the collection staff, which can also effectively solve the problem.

The consequences of being overdue are still very serious. If you do not handle it in time, you may face the risk of litigation. Contact a legal advisor to solve your overdue troubles.