Generally speaking, it is not true that Heng Chang Financial sent a text message saying that it would sue, but it was sent by the collection staff.
If you want to sue, you will get a subpoena from the court. As long as you don't get a subpoena from the court, it's false litigation. In addition, when the court issues a subpoena, you need to sign it yourself. When the courier comes to deliver the package, you need to take photos to show that the documents have been delivered. So as long as you don't receive a subpoena from the court, it's a false prosecution. It is recommended to negotiate with the platform to postpone repayment after the deadline, otherwise it will be recorded in the credit report.
It is recommended that you:
Contact the official customer service of Heng Chang Finance and ask if this message is really sent.
Consult professional legal institutions or lawyers to understand relevant legal procedures and countermeasures.
If you find someone cheating in the name of Heng Chang Finance, you should report it to the local police immediately.