What should I do if Lending Bao wants to sue me?

This is a lie. The purpose is to demand payment and be sued to the court. It's not the other party who informs you, let alone a text message. It is the court that serves you with a lawsuit and summons, and you need to sign for it. You should reply and appear in court according to the notice of the court. This is a usury company, and the interest is illegal. It won't sue you, just scare you. Article 125 of the Civil Procedure Law The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall file a reply within fifteen days from the date of receipt. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or 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. Article 136 When trying a civil case, the people's court shall notify the parties and other participants in the proceedings three days before the court session. If the hearing is held in public, the names of the parties, the cause of action, the time and place of the hearing shall be announced.