My friend borrowed 1200 yuan from a software called Pay Wallet, which is two months overdue. Now a lawyer's letter has been sent to him, asking him to pay back more than 6000 yuan.

This is definitely usury. 1200. After two months overdue, it will pay more than 6,000 yuan, six times higher. This must be usury, and it is impossible to pay back the money. In this case, you can call the police directly at 1 10. After all, the state has clear regulations on online loan interest. What is the highest interest? His interests certainly exceed the maximum interests stipulated by the state, so you don't have to worry about it at all. If he must make you angry, you should call the police. The phone number is 1 10. It seems that his lady doesn't need to be afraid of this. You can call the police at 1 10, and you can repay the principal at most, or you can't violate his agency agreement within the scope of fixed national interest.