What if I receive a letter from a lawyer?

Legal analysis: the lawyer's letter itself will not have legal consequences, just a warning. Can communicate with each other in time; Actively take responsibility; Apply for legal aid.

Legal basis: Article 676 of the Civil Code of People's Republic of China (PRC). If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.