Today, I received an email from a local asset management company entrusted by CITIC Bank, saying that I would contact within three days, or I would be sued.

In your case, you don't feel how much money you owe, but you should know that the bank has interest. As long as it doesn't pay off, it will bear interest according to the total amount owed, and it will bear interest every day, so your debt of more than 5,000 yuan is not a small figure now. It is definitely not the first time for the bank to make a dunning, right? In the bank's view, you just want to breach the contract, so the bank is going to sue you. As for asset management companies, to put it bluntly, it is to collect debts from banks. According to you, now the other party is ready to sue.