Legal analysis: when private lending is sued, it is best to actively respond to the lawsuit, and it is best to entrust a professional lawyer to handle it, collect relevant evidence that is beneficial to you, submit a defense to the court within the specified time, and put forward corresponding defenses against the other party's claims. At the same time, you can also actively negotiate with each other to reach a mediation agreement.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 122 Where a civil dispute brought by a party to a people's court is suitable for mediation, it shall be mediated first, unless the party refuses to mediate.

Article 125 The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receiving the indictment. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense.

If the defendant fails to submit the defense, it will not affect the trial of the people's court.

Article 126 The people's court shall inform the parties concerned of their litigation rights and obligations in the notice of accepting the case and the notice of responding to the lawsuit, or orally.