I owe you an overdue short message saying that I sent a related letter. What letter did you send?

360 IOUs, if overdue, the platform will send a text message to inform the debtor, and after repeated unsuccessful collection, the creditor's rights and debt disputes will be resolved through legal channels.

There is no real legal responsibility for sending a lawyer's letter. The function of a lawyer's letter is only a means to urge repayment. If you receive such a short message, suggest repayment in time. If you still can't repay, you can only maintain a good attitude and actively respond to the lawsuit.