Xiaoying credit card sent a lawyer's letter, saying that I am collecting materials to sue me now, and now I have no money to pay back?

First, don't run, don't turn off your phone, and keep in touch with the platform;

Second, make it clear that you are willing to repay, make a small monthly repayment, try to reach a repayment agreement with the dunner or platform, and then actively repay;

Third, if you encounter violent dunning, you can sort out the evidence and complain to the regulatory authorities, or you can call the police.

Henan Pufeng Law Firm answers for you, hoping to help you, and hope to adopt it ~