I owe Guangfa Bank 46.3 months, and the bank said to send me a lawyer's letter.

First of all, don't worry. Sending a lawyer's letter is a way to urge you to pay back the money. It says that I won't take you seriously when I send you a lawyer's letter. No matter what the bank says, you should try your best to pay back the money. Sometimes banks entrust collection companies to collect money, and their attitude will be very bad. No matter what others say, just say that you can pay back the money as soon as possible. The bank won't do anything to you for six months, but you have to find a way to pay back the money yourself. Seriously, banks and collection agencies can make you pay back anything. Jianghu is sinister, and sometimes you have to endure blows.