The short message of foreign visit notification is fake. Normally, not. This is just a means to collect the company, and its purpose is to use the debtor's fear to force the debtor to repay the loan in advance. The country now explicitly prohibits violent collection. You just need to save the short message. If necessary, you can call 12378 to report to the banking supervisor, and they will be honest. However, you still have to pay back the money.

You need to see if you have received a summons from the court. If you receive a subpoena from the court, the message you received may be true, but if you don't receive a subpoena, the message is probably false.