Is the collection message sent by the law firm credible?

This may be true. Repayment should be made as soon as possible. Evade legal responsibility. If it fails to pay back within the time limit or fails to pay back after two reminders, the parties concerned will be prosecuted. First of all, after repeated dunning, if the parties still do not repay, they will file a civil lawsuit with the court. After the people's court hears the case, if the parties still fail to repay the loan, they can transfer the case to the public security organ for investigation and formally establish it as a criminal case. After investigation, the public security organ will transfer the case to the procuratorate for public prosecution.