Is this legal notice true? You sent me a short message and a mobile phone number. I really owe a credit card. Is the bank collecting the text message sent by the company?

Really. Regular banks usually call you directly, or they can't communicate with you and sue directly. According to the available information, this is not an official notice from the court and other institutions, but a short message collection. You can call to ask about your situation.

How to Punish Malicious Overdraft of Credit Cards: the Supreme People's Court and the Supreme People's Procuratorate jointly issued the Interpretation on Several Issues Concerning Handling Criminal Cases of Impairment of Credit Card Management, which came into effect on 20 14 12 16. Explanation:

1. Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined;

2. If the amount involved is huge, or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than six years, and shall also be fined;

3. If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment, and shall also or only be fined. According to the explanation, if the amount of malicious overdraft exceeds 10000 yuan and is less than 10000 yuan, it should be considered as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount exceeds 654.38+10,000 yuan and is less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount exceeds 1 10,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

After being sued by the court, the court will directly provide you with paper complaints and subpoenas that need your signature. The court will issue a summons. The summons has the contact information of the judge. You can call or go to court to investigate the case. [Legal Basis] Article 85 of the Civil Procedure Law: Litigation documents shall be provided directly to the addressee. If the addressee is a citizen, it shall be signed by adult family members and their absent adult family members; If the addressee is a legal person or other organization, the legal representative, principal responsible person or person in charge of receiving the document shall sign for it; If the recipient has an agent advertisement, it can be sent to his signature agent; Where the addressee designates the addressee to the people's court, the document shall be sent to the addressee for signature.

Article 125: the people's court shall submit a copy of the defendant's complaint within five days from the date of filing the case, and the defendant shall submit a reply within 15 days from the date of receiving the complaint. The name, gender, age, nationality, occupation, work unit, residence and contact information of the interviewee shall be recorded; The name and domicile of the legal person or other organization, as well as the country of the legal representative or the name, position and contact information of the 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.