1. Under normal circumstances, the bank will call first, and after half a year's notice, it will make a dunning lawsuit, and finally wait for a summons to file a lawsuit;

1. For the first notice, you need to be able to accurately state your name, card number, ID information and ID number, as well as how much money you need to pay back and the date of the final repayment period;

2. Usually call again around the sixth month to remind and prepare the notice of prosecution;

3. If it is not returned at the due date, it should be a court summons, which will usually be sent to the home or the institution where it is located. This requires my signature;

Finally, the trial was held in court.

There are several ways for the court to serve the notice of bank prosecution:

1, direct delivery

Direct service, also known as service, refers to the way that the people's court sends a special person to directly serve the litigation documents to the addressee for signature. Direct delivery is the most basic mode of delivery. In other words, everything that can be served directly should be served directly to prevent the delay of litigation and ensure the smooth progress of litigation procedures. Under normal circumstances, if the addressee is a citizen, the citizen will directly sign for it. When a citizen is absent, it can be signed by an adult family member who lives with him. However, in divorce cases, if I am absent and there are no other adult family members at home, it is not appropriate to use the other party's signature, because both parties have interests; If the addressee is a legal person, it shall be signed by its legal representative or the person in charge of the legal person responsible for signing; If the addressee is another organization, it shall be handed over to its principal responsible person or the person in charge of receiving the goods of the organization for signature; If the addressee has an agent ad litem, he may give it to him for signature; If the addressee entrusts an agent to the people's court, the agent shall sign for it.

2, lien service

Lien service means that when the addressee refuses to serve the litigation documents unreasonably, the addressee places the litigation documents at the addressee's residence according to law, which has the legal effect of service. The addressee or an adult family member living together refuses to accept the litigation documents. The addressee shall invite the representatives of relevant grass-roots organizations or units to be present, explain the situation, record the reasons and date of refusal on the service receipt, and leave the litigation documents at the addressee's residence, which shall be deemed to be served with the signatures or seals of the addressee and witnesses.

3. Delivery by mail

Service by post means that the people's court sends the documents served to the addressee by registered mail through the post office. Practice shows that court mail service is usually a way of service when the addressee's residence is far from the court and it is difficult to deliver it directly. Mail delivery should be accompanied by a delivery receipt. If the date of receipt indicated on the registered letter receipt is inconsistent with the date of receipt indicated on the delivery receipt, or if the delivery receipt is not sent back, the date of receipt indicated on the registered letter receipt shall be the date of delivery.

Legal basis: Article 122 of the Civil Procedure Law of People's Republic of China (PRC).

Prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.