If the text message talks about filing a case, you can check to see if there is a filing number. Based on the filing number, you can check the case details on the official website, then you have indeed been prosecuted. Don't panic, please check the authenticity first. Before the court files a case and sends you a summons, it will send you a case notice and a text message about the case filing. Regarding the question of "Is it true that a text message saying a case has been filed when a credit card is overdue?", let me introduce it to you in detail below.

1. Is it true that someone who sent a text message saying a case was filed when the credit card was overdue? 1. Don’t panic when you receive a text message such as a lawsuit. Check the authenticity first. Before the court files a case and sends you a summons, it will send you a case notice and a text message about the case filing. 2. If the text message talks about filing a case, you can check to see if there is a filing number. For actual filings, you can check the official website of the local court. Prosecutions in other places are very rare. If you can check the case details on the official website based on the filing number, then you have indeed been prosecuted. 3. If your case cannot be found on the court’s official website, or the text message says that you have been sued, with no details except a bunch of consequences, then it is a collection of debt to scare you. When you are overdue for a long time, the collection power falls into the hands of the outsourced collection service, who will say anything to get you to pay back the money. However, even if the text message is fake, just because you are not being sued now does not mean that you will never be sued.

2. How long does it take to file an overdue credit card lawsuit? 1. Generally, you will be sued when you are more than 3 months overdue, owe more than 1,000 yuan and fail to pay back the money, which violates the bank's prosecution standards. It also takes a while for the court to accept the case, usually within a week. From the filing of the case to the prosecution, it takes at least a month. 2. As for the trial of the case, if the trial is conducted in a simplified procedure, it usually takes about 20 days. If you go through the complete process, it will take about 3 months. According to regulations, appeal cases should be concluded within three months from the date of filing of the second instance case. 3. There is also a chance of going to jail. If you overdraft by 50,000 or even 500,000, there is no limit. The more you deliberately overdraft, the worse the overdraft will be, and you will end up in jail for malicious overdraft. If you are sued, take it seriously.

What to do if you encounter problems such as unpayable credit card debt, overdue interest, excessive interest, collection, etc.

Remind you: It is recommended to leave professional problems to professionals to solve. When you encounter problems such as unpayable credit card debt, overdue interest, excessive interest, and collections, use the right method. It only takes three steps to teach you how to stop interest payments, avoid lawsuits, and solve your credit card overdue problems! For specific solutions, please click the consultation button , contact the credit and debt professional team to get solutions.