It is the money owed to Jingdong Finance. Now I really received a letter from a lawyer. What should I do?

You owe money to Jingdong Finance, and now you have received a letter from a lawyer. If not, sue for enforcement. Enforcement means that your money will be sealed in the bank to pay off your debts. If the bank has no money, the real estate and automobile products under your name will be seized and auctioned to pay off debts. Personally, you will be considered as an untrustworthy person, and you will not take it back to deal with it in the future, so it is very troublesome. If you can find a way to pay it back, you'd better pay it back, otherwise it will be inconvenient for you to do anything in the future.