1 First, distinguish between true and false messages.
Although the text message at the beginning of 12368 is the text message mentioned by Kay, it may not actually be a prosecution message. If this message has a T unsubscribe, obviously not. There is no specific case number, enforcement court, etc. Don't believe it in text messages. If so, it depends on whether the court has issued litigation documents.
Anyway, if it is really sued, the sued borrower will not only receive the words of the case number and the enforcement court at the beginning of 12368, but also receive the litigation documents of the court and inform the court date. These conditions are indispensable.
2. It is best to actively appear in court.
If it is really sued, the borrower had better pay attention to the court time and actively appear in court to respond. After all, evasion can't solve the problem. Even if you don't go to court, you will still be sentenced to absence, and the borrower still has to fulfill the corresponding responsibilities.
However, if the borrower can attend in person, he can take the initiative to negotiate with the lending platform before the court decides. If the court mediates, he may even get himself an opportunity to negotiate repayment, such as reducing interest or signing a personalized repayment agreement to ease the repayment pressure.