Is it true that the letter is overdue and the notice before the complaint is made?

After the deadline, these letters of lawyers, letters of collection, letters of notification and various letters of collection sent to you through collection, even in the form of short messages and emails, only play the role of notification and have no legal effect. Some lawyers' letters will be considered as malicious fraud and sentenced to three to five years. This situation simply does not exist. As long as they pass the truth, the loans handled by the real-name registration system are only overdue.

In short, as long as it is not a court summons mailed by 12368 and a short message sent by 12368, the above letters are only notices of overdue collection, and they are all routine collection procedures. After the overdue period, collect money and keep the evidence of non-return. Once you are charged, it will become evidence in court. Therefore, no matter which collection method is overdue, it is to recover the arrears. After everything is stable, negotiate repayment with the platform in time, stop loss in time, and don't be serious with the collection staff. It's basically useless