JD.COM is already late. Indeed, he sent a lawyer's letter and someone came to visit.

It is true to send a lawyer's letter, but it is false to come to the door. It is true that JD.COM sent a lawyer's letter after the deadline, but the door-to-door short message is a collection means for the collection staff, with the purpose of putting pressure on the debtor and causing psychological panic, so that the debtor can pay off the debt as soon as possible. Door-to-door collection itself is illegal, and the collection personnel have no right to do so. Under the influence of human, material and financial resources, this method will basically not come to the door. Please note that when the loan institution fails to collect the principal and interest, it will collect it by telephone, SMS, lawyer's letter, etc. A formal lawyer's letter needs to be stamped with the official seal, with the lawyer's signature and contact number.