The legal notice received from the bank is not a lawsuit, but a lawyer's letter from the bank. If the parties fail to reply or negotiation fails, the bank may bring a lawsuit. \x0d\ A lawyer's letter refers to a professional legal document produced and issued by a lawyer who accepts the entrustment of the client, discloses and evaluates relevant facts or legal issues, and then makes demands to achieve certain effects. A lawyer uses a lawyer's letter to make a legal evaluation and risk assessment of a fact, with the purpose of informing the client of the legal facts with the legal scale and the lawyer's judgment, so that the client can get his own "legal evaluation", that is, "conveying the law to express his own meaning". Its essence is a legal act of entrusting an agent to express his will, which plays an important role in safeguarding the legitimate rights and interests of the parties. \x0d\ The usual steps of civil litigation are as follows, but not necessarily every procedure: \x0d\ In case of dispute-obtaining evidence-notifying the other party or sending a lawyer's letter-negotiation and mediation-mediation fails to apply for arbitration-prosecution-judgment-appeal-second instance-retrial-appeal.