Return it as soon as you receive it. A letter from a lawyer? Get out of here! /Really?

This situation is generally unreliable.

Repayment itself is an informal online loan product, and informal online loan products will basically not ask for arrears through legal means, so I guess this is just a means of collection.

First of all, I want to talk about the basic situation of returning it.

You can understand repayment as a service to help users repay their credit cards, but in essence, it belongs to the category of microfinance, which is what we often call online lending. Many people already know the harm of online lending, and it is for this reason that I strongly recommend that you apply for online lending under normal circumstances. This is an act of quenching thirst by drinking poison, which will only make your financial situation worse and worse, and it will not solve the fundamental problem. Repayment is an irregular loan product, and the credit card loan business itself is not compliant. Do not apply for repayment.

Second, it may be a means of collection.

Normal lawyers will not send you a lawyer's letter. Even if the lawyer wants to contact you, the lawyer will contact you through legal channels, and will never contact you through unexecuted personal relationships. To put it simply, when you receive a phone call or text message from such a lawyer, it means that the other party's collector is pretending to be a lawyer to collect your money. This kind of behavior seems shameful, but it is the main job of the collectors, who are exerting certain psychological pressure on the supervisors in this way.

Third, we can find ways to safeguard our legitimate rights and interests.

If you encounter some bad collection behavior in the process of being collected. You can keep valid evidence and take it to the relevant department to report it. Of course, when you are defending your rights, you should also think about how to repay the arrears. After all, these small loans are also protected by law, and the contract has been written in black and white. You should repay the arrears within the scope of principal and normal interest. These websites have obtained the credit information of the central bank, which will directly affect your credit life in the future.