I saw your question again and would like to express my opinion again. Maybe that lawyer is not a real lawyer. I suspect it is someone inside the bank who is pretending to be a lawyer, because if it is a lawyer, the formal approach should be to first issue a lawyer's letter to you in the name of the law firm. The letter will explain that you have accepted xx The bank is entrusted to act as the bank's agent to collect payment from you, and will describe your loan process, list your repayment status, and inform you of the amount owed and the final repayment deadline. If you cannot repay within the deadline, the law firm will accept the entrustment of xx Bank and submit an indictment to the court. Therefore, if you receive a call from a lawyer again, you'd better express that you want to meet for a detailed discussion and ask him to come out so that you can check his lawyer's ID. Of course, the ultimate goal is not to refuse to repay the debt, but to extend the repayment period to the maximum extent and gain as much fundraising time as possible for you.
To take a step back, even if the bank does sue you to court, you don’t have to be afraid. Just actively raise funds to repay the money. If you can pay it back before the trial, the judge will mobilize them to withdraw the lawsuit. If you still can't pay it back in court, you can also ask the judge for mediation in court and ask the judge to give you a reasonable grace period based on your actual difficulties. Anyway, I believe you will get through this.