In addition, online lending is a small loan. Unless the loan amount is high and overdue for a long time, online lending institutions may sue users with wisdom.
First of all, we must judge the authenticity of the lawyer's letter. Can be divided into the following two ways to distinguish:
1. Generally, a real lawyer's letter will be stamped with the official seal. According to the name of the law firm on the official seal of the lawyer's letter, check whether it really exists and whether it is completely consistent with the name on the lawyer's letter. There is a formal lawyer's signature and telephone number, so you can call and ask. In addition, it is illegal to carve the official seal privately, and you should bear legal responsibility.
2. The court will generally use a paper version of the lawyer's letter or court summons to let the parties sign for it when they receive the courier. If so, the electronic subpoena or lawyer's letter is usually false.
Second, the general fake lawyer's letter is a means of pressure for the collection staff, with the aim of making the borrower repay the loan as soon as possible. Some loan collectors will let others pretend to be lawyers to contact you. For example, I am a lawyer, and an organization entrusts me to handle a debt owed by you. Most of the first book is fake. Because lawyers mainly participate in the acceptance of prosecution and a lawsuit, they will not directly participate in the collection process. Only after being successfully prosecuted will you have the opportunity to meet the opposing lawyer in the court and the public security bureau.
Third, even if the other party sends you a real lawyer's letter, it doesn't mean that you will be formally prosecuted. As long as the borrower actively contacts the online lending platform, shows his willingness to repay with a good attitude, and negotiates a new repayment plan with the other party to repay on time, the general lending institution will give up the idea of prosecution.