After the credit card is overdue, the lawyer may not be prosecuted for sending a lawyer's letter to the door, because the lawyer's letter is only a legal document. Its main purpose is to remind and urge customers to fulfill their repayment obligations as soon as possible. At the same time, it also acts as a deterrent to customers, telling customers in disguise that if they continue to fail to repay their loans within the time limit, they may be sued to the people's court and punished by law.
Most of the lawyer's letters received after the credit card is overdue are mailed to the door by the credit card center. If a lawyer sends a letter to your door, don't panic too much. This is not a prelude to prosecution. As long as it is received normally, you can explain the reasons for the arrears to the lawyer, show your attitude and repay the arrears as soon as possible. But now that you have no money for the time being, you deserve a three-month grace period. If the repayment is overdue for three months, the lawyer may send a reminder letter to the door, and those who fail to collect it many times may face prosecution.
After the credit card is overdue, it is still a normal collection process for lawyers to send lawyers to collect it. Customers don't have to worry too much, and they won't go to court directly. They just remind you that you should repay the loan, and they will tell you what the legal provisions will do if you don't repay the loan. For example, if you don't repay the loan, the bank will sue directly, you will face sentence and fraud, you may go to jail or become a deadbeat, which will also affect your children. Under their shock, most customers will repay the loan as soon as possible.
Sending a lawyer's letter to the bank after the credit card is overdue does not mean that the bank will sue, because at this time, the bank feels that its rights and interests have been damaged and has the right to send a lawyer's letter to warn the other party, just to remind customers. If the bank really wants to sue, it will not send a lawyer's letter to the door, but will issue a subpoena directly through the court. After receiving the summons, you must actively respond to the lawsuit and appeal for your legitimate rights and interests, otherwise the court will try in absentia, which is particularly unfavorable to you.