If China Merchants Bank sends a text message saying that it will sue four months after the due date, you can take the following measures:

1. First, respond to the bank’s text message in a timely manner and express your willingness and cooperative attitude .

2. Describe in detail the reasons for your difficulties, such as unemployment, illness, etc., and your current repayment plan.

3. Make suggestions, such as requesting a stay of prosecution, renegotiating the repayment method, or extending the repayment period.

Summary: When you receive a notice of prosecution from China Merchants Bank, you must first stay calm, actively communicate with the bank, and explain the reasons for the default. At the same time, make reasonable repayment suggestions to show your determination and efforts to solve the problem.

Extended information: Banks usually first collect overdue loans through phone calls or text messages. If China Merchants Bank decides to sue you, they will need to provide relevant evidence to the court and pay appropriate fees. The court will decide whether to accept the case based on the circumstances and make a final judgment.