What should I do if I receive a reminder letter after half a year?

Legal analysis: If it is overdue, it is likely to be prosecuted. I suggest you pay it back as soon as possible. If you don't pay back the arrears, you will not only face high overdue penalty interest, but also face enforcement, directly withdraw the money from your bank account, and even seal up your house and vehicle for repayment at a discount.

Legal basis: Article 67 1 of the Civil Code. If the lender fails to provide the loan according to 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.