I owe JD.COM more than 10,000 IOUs, and I also received a letter from a lawyer. I really have no money to pay it back. What should I do?

When you receive a letter from a lawyer asking to pay off your debts, you can take the following measures to deal with it:

First, keep in touch with lawyers or creditors. Reply to the lawyer's letter as soon as possible, expressing your predicament and the reason why you can't repay immediately. Actively negotiate with creditors to seek deferred payment, installment payment or other solutions.

Second, evaluate the financial situation and make a repayment plan. Carefully review your financial situation, including income, expenses and other debts. Make a reasonable repayment plan according to the actual situation to ensure the reasonable allocation of funds to repay the arrears.

Third, seek professional help. If you feel that you can't handle this problem alone, you can consider consulting a professional, such as a lawyer or financial adviser. They can give you advice and guidance to help you find a solution.

Summary: In the face of the default of IOUs and the receipt of lawyers' letters, it is very important to maintain communication and negotiate solutions with creditors. At the same time, make a reasonable repayment plan and evaluate your financial situation. If it is necessary to seek professional help, you can consult relevant professionals.

Extended data:

JD.COM White Strip is a consumer credit product provided by JD.COM. Users can use IOUs to shop on the JD.COM platform and repay the loan according to the agreed time limit. Failure to repay the loan on time may lead to overdue fees, interest or legal disputes.