Guangdong Development Bank filed a short message.

A lawyer's letter is not binding, but a new legal opinion sent to you by a lawyer. You may default on the bank loan. I suggest you:

1), repay as soon as possible, otherwise the bank will sue you. After entering the proceedings, some of your daily necessities and bank accounts will be seized and frozen. After the property is preserved, 90% of these properties will no longer belong to you. If the repayment is not made in time, the court will force the auction, and once this execution procedure is started, it will be irreversible.

2) If you really can't repay in full, you can make a sincere repayment plan so that the bank can't sue you for the time being.

I hope the above answers can give you some help.