Rong Sheng sent a short message from his lawyer.

That is usually sent to you by a third-party dunning company. They will try their best to force you to pay back the money. The bank will not sue soon. Usually one year before the prosecution. So in the meantime, please call the bank as soon as possible to negotiate installment repayment and pay it back slowly. A little over a month. Credit cards are different from loans. If the loan is not paid off, you won't go to jail. Detention 15 days at most, only twice a year. Credit cards are guilty of credit card fraud. It is a crime not to pay back the money. If you really sue, you will be locked up for several years. So think about it. If you can borrow money from your friends, you'd better pay it back first.

After the credit card is in arrears, you will be sued by the bank to the court, and you will receive a text message to remind you to go to court. You must first judge whether this short message is true or not.

Because at present, many credit card collection services of banks are entrusted to third-party collection agencies, and some informal collection agencies will pretend to be public security laws and send some legal documents to debtors in order to put pressure on them.

Therefore, when you receive a short message reminding you of the court session, you must first judge whether this short message was sent to you by the court or a third-party collection agency.

According to the normal litigation procedure, the court can't just send you a text message to remind you of the court session time. Under normal circumstances, you will receive a court summons before the trial, and the service methods of the summons are mainly as follows:

1. Direct service: The court judge, clerk or judicial police will directly serve the litigation documents that should be served to the person to be served, his agent or adult family members living together.

2. Entrusted service: if it is difficult to serve directly, the service method of entrusting other courts to serve on its behalf.

3. Service by post: the service method that the court service personnel will mail the litigation materials that should be served to the addressee.

4. Lien service: the addressee refuses to sign for the litigation documents directly served by the court. After the addressee invited the personnel of relevant institutions to be present, the relevant personnel witnessed the way to leave the litigation documents at the addressee's residence and complete the service.

5. Forwarding to the addressee: the way to deliver the serviceman and the detained and reeducation-through-labor personnel in the army to the addressee through the political department or prison administration department at or above the regiment level.

6. Announcement service: also called quasi-service. It refers to the delivery method of publishing an announcement in a newspaper or other carrier, which produces a delivery effect after a certain period of time.

In addition to the above six ways, with the consent of the addressee, the people's court may serve the litigation documents by fax, e-mail or other means that can confirm receipt.

However, at present, there is no way to serve the court summons by SMS. Therefore, before you receive the SMS notification of the court session, if you don't receive any court summons and you can contact normally, the court doesn't need to send a summons through an announcement, then you can refuse to appear in court.

However, according to the normal litigation procedure, it is impossible for the court to send you a short message to inform you of the court session without serving a summons on you. So I guess you suddenly received a notice of hearing, which is probably just a means used by a third-party collection agency to scare you.

If you are sure that false information is sent by a third-party collection agency, you can ignore them. After all, at present, not all bank users will sue the court in the case of credit card arrears, and banks don't have much time to go to court. If everyone's credit card overdue amount is relatively small, for example, within 1 000 yuan, and the overdue time is relatively short, less than 6 months, it is basically impossible for the bank to sue everyone in court. Only if the overdue amount is relatively large, such as more than 65,438+0,000 yuan, and the overdue time is more than 6 months, it is possible for the bank to sue everyone in court.