When banks are unable to recover arrears through collection methods, they will usually resort to prosecution, so this is a normal rights protection method for banks. Don't be afraid when you hear about being sued. Some people will even look for so-called "connections" to cause trouble, but often the end result is to be cheated.

Under normal circumstances, credit card debt is only a civil dispute and does not involve criminal penalties. Therefore, even if the bank wins the case, the court will only require you to pay off the debt and late fees within a certain period. If the credit card is overdue, the bank will file a lawsuit. What to do with text messages?

1. Actively respond to the lawsuit

When being sued by a bank, we only need to actively respond to the lawsuit and actively cooperate with the work of the court. We must not ignore it and ignore the court hearing, because even if A default judgment can be entered without going to court.

2. Repay the debt

If you are able to repay the debt, there is nothing to say and you should just pay back the money and be done with it. Otherwise, after the court judgment takes effect, the bank can apply for compulsory execution, freeze your bank card and other property, and may convert the property into execution money through auction, sale, etc., and repay it to the bank.

If there is no money to repay the debt, then during the execution stage we need to actively submit a personal property declaration to prove that we do not have the ability to fulfill the judgment.