Really. Regular banks will usually call you directly, or they can't communicate with you and sue directly. According to the available information, this is not a formal notice from the court or other agencies, but a collection text message. You can call to inquire about your situation

How to punish malicious credit card overdrafts: The Supreme People's Court and the Supreme People's Procuratorate jointly issued an explanation on several issues concerning criminal cases that impair credit card management in December 2014. Effective on March 16th. Explanation:

1. A person who defrauds public or private property, if the amount involved is relatively large, shall be sentenced to fixed imprisonment of not more than three years, criminal detention or public supervision. , shall also be fined;

2. If the amount involved is huge, or if there are other serious circumstances, he shall be sentenced to a fixed term imprisonment of not less than three years but not more than 10 years, also shall be fined;

3. If the amount involved is particularly large or there are other particularly serious circumstances, he shall be sentenced to imprisonment for not less than 10 years or life and a fine or a fine of property. According to the explanation, malicious overdrafts held in excess of 10,000 yuan but less than 10,000 yuan should be considered a "large amount" stipulated in Article 196 of the Criminal Law; if the amount exceeds 100,000 yuan but less than 1 million yuan, it should be considered It is a "huge amount" stipulated in Article 196 of the Criminal Law; if the amount exceeds 1 million yuan, it should be confirmed as "especially large" stipulated in Article 196 of the "Criminal Law".

After a lawsuit is filed in court, the court will provide you directly with a paper petition and summons that you need to sign. The court will issue a summons. The subpoena has the judge's contact information. You can call or go to the courthouse to investigate the case. [Legal Basis] Article 85 of the Civil Procedure Law: Litigation documents shall be provided directly to the person to be served. If the person to be served is a citizen, the document should be signed by an adult family member and his absent adult family member; if the person to be served is a legal person or other organization, it should be signed by the legal representative of the legal person, the organization The principal person in charge or the person in charge of receiving documents of a legal person or organization; if the recipient has an agent advertisement, he can send it to his signing agent; if the person to whom the service is to be granted has appointed the recipient to the People's Court , the document should be sent to the recipient for signature.

Article 125: The People's Court shall provide the defendant with a copy of the complaint list within five days from the date of submission of the case, and the defendant shall submit a reply within 15 days from the date of receipt. The name, gender, age, nationality, occupation, work unit, residence and contact information of the respondent should be recorded; the name and residence of the legal person or other organization and the name, position and contact information of the legal representative or principal person in charge. The People's Court shall send a copy of the defense to the plaintiff within five days from the date of receipt of the defense. If the defendant fails to submit a reply, it will not affect the trial in the People's Court.