Does consumer finance immediately send a lawyer's letter asking me to pay back the money within five days, or I will go to court to sue?

Loan companies or financial platforms generally entrust third-party institutions to collect debts, such as law firms. If you receive a letter from a lawyer with a large amount of arrears and a long overdue period, and you have not repaid it once since the loan, the law firm may bring a lawsuit to the court in order to complete the collection business at this time. If the amount is small and has been repaid, but it is difficult to repay in difficult times, then the lawyer's letter mostly uses the fear of ordinary people to threaten or intimidate the parties to repay as soon as possible. Because it takes a lot of time to go to court to sue, and the court's loan proceedings against this natural person are mostly settled through court mediation or negotiation, and no judgment can be made. Of course, if you have the conditions, you still have to actively repay.