Is it true that you said in the text message that you would sue me in court?

Generally speaking, it is not credible. Because if the platform sues the defaulting user to the court, the court will ask the parties to collect it. If it's a text message starting with 1069, it means that it's an overdue filing text message sent by the platform independently, and it's not the real filing transmitted by the court. Many netizens said that they had encountered this kind of situation, but after some inquiries, it was determined that this was just the psychological pressure of the platform to the non-payers. I hope that in this way, overdue loan personnel can make up the loan as soon as possible in the near future. If you are still very suspicious, you can directly call the local court for detailed inquiry. If your overdue is caused by objective reasons, there is another way to negotiate with the platform in advance and work out a repayment plan suitable for both parties. Then after that, the platform will not continue to harass you, or increase the pressure on you in the form of text messages, and it is good to repay on time in the agreed way. After loans overdue, don't borrow money to repay the loan, so the loan will be bigger and bigger, and it will not be finished in the later period, so you can only upload the overdue information to the credit information network, which will cause trouble to your subsequent life. On the other hand, we can continue to work hard to increase income, so as to repay the loan on time and land successfully. Loans are risky and need to be taken seriously.

Legal basis: Article 109 of the Criminal Procedure Law. When a public security organ or a people's procuratorate discovers a criminal fact or a criminal suspect, it shall file a case for investigation within its jurisdiction.