What should I do if I receive the short message of arrears filing notice?

Legal analysis: 1. When you receive a short message of filing notice from a third-party collection agency, you should first calm down and judge whether the message is true or false.

2. If you owe a credit card, the bank's collection phone must be answered to avoid being labeled as malicious overdraft.

Legal basis: Article 7 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Specific Application of Law in the Trial of Fraud Cases According to the provisions of Article 14 of the Decision, fraudulent activities are conducted by credit cards, and the amount is relatively large, which constitutes the crime of credit card fraud. If the perpetrator commits the acts specified in items (1), (2) and (3) of the first paragraph of Article 14 of the Decision, the amount of fraud is more than 5,000 yuan, which is a "large amount"; If the amount of fraud is more than 50,000 yuan, it is a "huge amount"; If the amount of fraud is more than 200,000 yuan, it belongs to "the amount is extremely huge". "Malicious overdraft" refers to the behavior that the cardholder evades tracing for the purpose of illegal possession, or knows that he is unable to repay, the overdraft amount greatly exceeds the amount allowed by the credit card, or fails to return it within 3 months from the date of receiving the dunning notice from the issuing bank.