Identifying the authenticity of a lawyer's letter is the first step.
First of all, we must know that the credit card is overdue for a long time, and the bank will entrust a third party to collect it. They will send a lawyer's letter to the debtor in the name of the law firm, telling the overdue debtor that they will sue if they don't pay back the money.
So receiving a letter from a lawyer means that you are really being sued? Don't panic, the lawyer's letter only plays the role of informing, and it doesn't mean that it has been sued. Moreover, some lawyer's letters are collected and forged by a third party, with the purpose of pressuring the debtor to collect debts, so you should distinguish the authenticity as soon as you receive the lawyer's letter. Generally, the lawyer's letter is paper, which will have the official seal of the law firm, the lawyer's name, contact number and so on. , and can be confirmed by phone. Generally, a real lawyer's letter will not be notified by email.
The lawyer's letter is just one of the means of formal collection. It has the function of informing the debtor that it may not sue, but it may not be notified if it does.
2. How to face the facts and collect lawyers' letters
If you receive a fake lawyer's letter, don't worry about being sued. Instead, you can complain about the collection. Even if we receive a real lawyer's letter, it is not necessarily a lawsuit. It can be proved that we were sued by a court summons or a short message from 12368. According to the case number, you can check the public information on the China judgment document online.
What if I receive a letter from a lawyer after the deadline? Distinguish authenticity in time. If it is true, we must deal with it in time. Be sure to find a way to pay off the arrears and contact the bank to negotiate repayment by installments. If the bank does not agree, you can consult a professional institution. If you choose to ignore it and fail to solve it in time, and the bank really goes through legal procedures, then generally we will receive a subpoena from the court in about two weeks, so we should actively respond to the lawsuit.
Facing the rising consumption level and unstable income, we should plan our income scientifically and reasonably, pay attention to personal credit information, use credit cards rationally, and face the setbacks in life with a positive attitude. In daily life, we can beautify personal credit card bills with the help of POS machines and other tools to avoid overdue. However, everyone still needs to pay attention to the habit of using cards and do their own financial planning. After all, reasonable consumption is the life we want.