Is the law firm's dunning legal?

This is legal. As long as there are legal debts, no matter who you call for debt collection, it is legal to collect debts on behalf of creditors.

Within the statutory limitation of action, if there is evidence to prove it, you can bring a lawsuit to the people's court where the defendant is registered, and apply for enforcement after the court makes a judgment. The statutory limitation of action is 3 years.

Legal analysis:

As long as the creditor has signed an authorization with the law firm (including the creditor's perennial legal consulting firm), it is completely legal for the law firm to send a lawyer's letter for dunning. If the repayment is not made, the legal department will report the dunning situation.

If you suddenly receive a reminder message from a lawyer, then all this is fake. The lawyer's dunning message has no legal effect, and this inexplicable message is usually sent by a third party entrusted by some units, mainly for dunning and urging, but it has no legal effect.

First, after receiving this reminder message, you must first determine whether you have overdue online loans or online loans. Because generally speaking, third parties will not send messages to you on their own initiative. Most of the reasons may be that you received a reminder from a third party on the Internet in loans overdue. In this case, although the text message sent shows that it is a lawyer's letter initiated by a court or a lawyer, it is just a routine, because generally speaking, the court will not release the information of the relevant units. Therefore, receiving this message only needs to deal with the problem and repay the loan, and there will be no big problem.

Second, on the other hand, it is a scam. First of all, you should think about whether your ID card has been lost recently, because there may be some people who use other people's ID cards to apply for loans without my knowledge. If this happens, don't panic, call the police in time and let the police investigate and handle the matter. Because a regular lawyer's letter has some relevant official seals and court signatures, because only one lawyer sends something that has no legal effect.

Don't panic when you are urged by a lawyer, you should know the law and abide by it, and protect yourself with legal weapons. After receiving the text message, you should learn to judge whether things are true or not, don't be deceived easily, and call the police in time when you encounter fraud.

Legal basis:

According to the Contract Law of People's Republic of China (PRC)

Article 201 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.