Is it true that the visiting notice text message said to come to the residence at 6 pm?

The short message of foreign visit notification is fake.

Normally, not. This is just a means to collect the company, and its purpose is to use the debtor's fear to force the debtor to repay the loan in advance. The country now explicitly prohibits violent collection. You just need to save the short message. If necessary, you can call 12378 to report to the banking supervisor, and they will be honest. However, you still have to pay back the money. Work hard and get ashore as soon as possible.

In addition, there is no such thing as leaving a record in civil litigation caused by arrears disputes, and leaving a record generally exists in criminal cases. It's just that after the court makes an effective judgment, you still can't perform it. The other party may apply for enforcement, and the court may take enforcement measures such as freezing property and including it in the list of people who have lost their trust.