My credit card was overdue and I got 2,000 phone calls saying that the pre-litigation mediation was fake. A pre-litigation notice is a notice before filing a lawsuit. Generally, if it is served by the court, the next step is the court filing stage. However, after a credit card is overdue, many collectors will also mail pre-litigation notice letters to cardholders, but their signatures are not the court, but online loan companies or law firms. Then this kind of pre-litigation notice is not a real pre-litigation notice, and the other party is not suing you. It just wants to scare you with the pre-litigation notice so as to achieve the purpose of making you repay the loan.