What should I do if I receive a letter from Bai Hua?

1. Verify the situation: Under normal circumstances, it is not easy to sue users who borrow flowers, and some lawyers' letters are likely to be a means of pressure by collectors. So first of all, we need to verify the situation and determine the authenticity of the lawyer's letter. We can judge from the following aspects: regular lawyer's letters are stamped with the official seal of the law firm, with the lawyer's name, address, telephone number, email address and other contents, which can be directly verified by telephone; The formal lawyer's letter contains the terms of case number, arrears information, court jurisdiction, invalid litigation and so on. We can inquire about the case information in official website of the Judicial Bureau according to the case number; Formal lawyer's letters generally have attachments, such as power of attorney, copy of contract, repayment record and other materials.

2. Raise repayment funds: If it is confirmed that the lawyer's letter is true and legal, it is necessary to find ways to raise repayment funds, settle the payables within the time specified in the lawyer's letter, and notify the other party to cancel the lawsuit. If you are short of funds, you can take the following measures: you can borrow money from relatives and friends with good relationships and good economic foundation to repay the loan. When borrowing money, you need to explain the reasons honestly and agree on the repayment date. If the amount owed is relatively large, you can consider borrowing more money from relatives and friends, which makes it easier to borrow money. It should be noted that you must repay on time, otherwise it will be difficult to raise your head in front of relatives and friends in the future. If you have certain assets under your name, such as houses, cars, calligraphy and painting, antiques, jewelry, etc. We can selectively sell some assets to repay the debts owed by the borrowers. However, this method also has certain defects. On the one hand, it is eager to sell, and it is easy to be bargained, resulting in losses; On the other hand, it may be difficult to find a seller for a while, and the processing cycle is longer. Br>3. Negotiate with the platform: If it is really impossible to repay, you should take the initiative to contact Alipay customer service, explain the situation to the customer service staff, actively express your willingness to repay, put forward a request for negotiating repayment, and strive to handle the second phase or postpone repayment. In order to facilitate the negotiation of repayment, we need to pay attention to the following points: in the communication with Alipay customer service, we need to maintain a sincere attitude, truthfully explain the situation, do not exaggerate the facts, and do not mention unrealistic requirements, so it is easier to gain the goodwill and trust of the platform. In order to win the trust of the platform, it is necessary to provide difficult proof materials, such as unemployment certificate, disease diagnosis certificate, credit report and so on. It should be noted that the difficulty vouchers provided must be true and effective. We need to work out a reasonable and feasible repayment plan according to our debt situation and economic situation, so as to reflect our willingness and ability to repay, and thus promote the negotiation of repayment. Generally speaking, it is very difficult to negotiate repayment, and a successful negotiation is often unrealistic. Therefore, it is necessary to negotiate with Alipay platform for many times. During this period, the repayment plan can be adjusted appropriately to try to satisfy the other party and facilitate negotiation and repayment. In the negotiation process, we try to seek some reputable third parties to guarantee for us, increase the trust of the platform and improve the success rate of negotiation repayment.

4. Actively respond: If we are unable to repay the loan and the platform does not agree to negotiate, then we must prepare for the lawsuit and apply for legal aid. At the same time, it is necessary to keep relevant evidence, such as loan contract, repayment record, medical certificate, income certificate, etc. Defend yourself, strive for leniency from the court, and reduce your responsibilities and losses.