Is it true that Hengchang Financial sent a text message saying it wanted to sue?

False.

If you want to sue, you will receive a summons from the court. As long as you do not receive a summons from the court, it is a false lawsuit. In addition, when the court sends the summons, you need to sign for it in person. The courier will come Photos need to be taken when delivering the documents to show that the documents have been delivered. Therefore, as long as a court summons is not received, it is a false prosecution. After an overdue payment occurs, it is recommended to negotiate with the platform to extend the repayment, otherwise it will be recorded in the credit report.

The legal action notice text messages you receive are fake and are mostly fraud. The court will not call you or send you text messages, but will only send you a summons. Regardless of whether you are the plaintiff or the defendant, after the case is accepted and filed, the court will serve you a written summons. The summons will state the cause of the case, court time, location and other detailed information. If you are notified of a court hearing by other means, you can go to the court that notified you to inquire. If it is true, you need to receive a summons. Whether the notice of legal action is true or false must be based on the court's summons.

When encountering an overdue credit card collection, don’t avoid the collectors, don’t have unnecessary conflicts with the collectors, and don’t play “missing”, because as long as you are overdue, you will pay as usual every next month, there is nothing wrong with that. Worried. Negotiate repayment with the bank: If there is a problem with your personal financial ability and you are unable to repay the entire amount, you can settle. Negotiate repayment and ask the bank to extend the repayment period or reduce the interest, but do not avoid the bank's collection. In this case, credit card interest will only increase.

What are the consequences of an overdue credit card?

1. Incurring penalty for overdue credit cards;

2. Overdue interest;

3. Non-performing Credit record;

4. Criminal liability for malicious overdrafts;

5. Credit card overdue repayment records will be recorded in the central bank’s credit reporting system, resulting in a bad credit record;

6. If the overdue amount is large, the bank will directly prosecute the cardholder for credit card fraud and malicious overdraft.

Legal Basis

"Civil Procedure Law of the People's Republic of China"

Article 147 The court record clerk shall record the court proceedings All activities shall be recorded in a transcript, signed by the trial personnel and the clerk. The court transcripts shall be read out in court, and the parties and other litigation participants may be notified to read them in court or within five days. If the parties and other litigation participants believe that there are omissions or errors in their statement records, they have the right to apply for corrections. If no corrections are made, the application should be recorded. Court transcripts shall be signed or sealed by the parties and other litigation participants. If the person refuses to sign or seal, the situation shall be recorded and attached to the file.