The bank is urging you to repay as soon as possible through litigation. After all, suing you is not their purpose. Banks are legal usurers, and they only care about whether the money they put out can be recovered. Therefore, I suggest that you immediately raise funds to prepare for repayment. Contact customer service before repayment to find out how to handle it. It's best to record the phone call in case they break their word. Don't be afraid.