What does the pre-litigation mediation notice sent by Jingdong Finance mean?

The pre-litigation mediation notice sent by JD Finance is to send the pre-litigation mediation notice to overdue borrowers in the name of the court mediation center. According to the relevant public information, if you have the repayment ability, you can take this opportunity to negotiate with the other party, apply for reducing unreasonable interest and expenses, and reach a new repayment plan.