What does Hua Bai's notice of lawsuit mean?

similar warning, repay as soon as possible.

This is just a normal collection process, so don't worry too much. There is still a long time between sending a lawyer's notice and formal prosecution. If you don't owe much, Alipay generally collects users with similar situations and then handles them centrally, so it may be fine if it is overdue for one or two years.

and the legal letter you received, this is a similar warning, asking you to pay back as soon as possible. Anyway, you will pay it back next month, so don't worry too much.