That’s right, friend, I suggest you go to the bank to repay as soon as possible. Every bank has to repay, but you don’t want to repay more, because you said you don’t have much money to repay. 30.50 is also paid. Although it is a malicious overdraft, you still have the motivation to repay. There is an intention to repay the loan. The bank can't do anything to you. Even if it complains or sues you, the court will be "indifferent". As for the lawsuit you mentioned: This is what banks do. They first collect the money themselves. If they can't recover it, they will ask a law firm to send a letter. If they can't, they will sue you. Suing usually has no results, and then they will collect the money you owe. Sell ??to a collection agency. The whole process is like this.