Trust and wealth can't receive text messages when borrowing money.

You're overdue. Letter Er Fu gave your file to a third-party collection company, so you are now confronted with a collection company, not a letter and wealth. Now all the words and sounds you receive are fake. You only need to know this, because those threats are to scare you into paying back the money as soon as possible.

Now you don't have to pay attention, they will take the initiative to contact you, such as communicating with WeChat friends. In short, if you want to pay back the money, borrow it from the APP and pay back the money from the APP entrance. Don't listen to them asking you to remit money to an account.